Peer-to-Peer Credit Card Deal Directory

Executive Overview

This platform connects shoppers who do not hold specific bank credit cards with credit cardholders who have unused discount quotas. Rather than acting as an escrow or payment gateway, the platform operates as a curated lead-generation directory, monetizing through pay-per-contact reveals and subscription passes.

SUPPLY SIDE

Cardholder Requirements

Bank & Card Tier: Full details (e.g., HDFC Infinia, Axis Magnus, ICICI Emeralde).
Platform Eligibility: Merchant app (e.g., Amazon, Flipkart, MakeMyTrip).
Offer Structure: Max discount cap, discount %, and minimum order value.
Available Limit: Current available spending quota on the card.
Expected Fee/Commission: Desired reward amount (e.g., Flat ₹200 or 2% share).
Weekly Liveness Verification: One-click active ping response every 7 days.

DEMAND SIDE

Offer Receiver (Buyer) Requirements

Account Authentication: Mobile OTP + basic identity profile.
Platform Fee Payment: ₹49 per contact reveal OR ₹199 Power Pass subscription.
Intent Declaration: Active cart value confirmation before unlocking.
Anti-Scam Acknowledgement: Agreeing never to pay direct upfront cash without order proof.
Feedback Rating: Must mark transaction complete and rate responsiveness.

Required Technical Infrastructure & APIs

Service Category	Recommended Provider(s)	Operational Purpose	Estimated Cost
KYC & Identity Verification	Setu, Signzy, Eko, Perfios	DigiLocker / Aadhaar eKYC to verify cardholders and buyers without storing raw documents.	₹1.50 – ₹3.00 per verification
Virtual Number & Masked Calling	Exotel, Knowlarity, Twilio	Routes calls/SMS between parties using proxy virtual numbers to prevent platform leaking.	~₹0.80 – ₹1.20 / min (Dual-leg) + ₹200–500/mo line rent
SMS & WhatsApp Auth	MSG91, Kaleyra, Twilio	Weekly liveness pings, OTP logins, and instant deal notifications.	₹0.15 / SMS \| ₹0.12 / WhatsApp message

Key Operational Guardrails

Zero Direct Cash Transfer Rule: Buyers receive explicit warnings never to transfer money before receiving valid order tracking numbers or invoice details.
30-Minute Temporary Hold: When a buyer unlocks a contact, the cardholder's listing is reserved for 30 minutes to prevent multiple buyers from contacting the same exhausted card limit.
Automated Unlisting: Offers automatically archive if the cardholder fails the 7-day liveness ping.