# 15 — Monetization

## Revenue streams

| Stream | Source | Phase | Notes |
|---|---|---|---|
| Booking commission | % of partner bookings | P3 | Tiered by kind; default 12% stays, 15% activities, 18% restaurants/food, fixed margin on SIM. |
| Order margin | Food / pharmacy / grocery | P3 | Take rate + delivery fee. |
| Premium subscription | Travelers | P3 | AED 39 / month or AED 299 / year. |
| Promoted placement | Partners | P4 | Capped slots per category, marked "Promoted". |
| Affiliate / SIM kickback | Telcos | P3 | Per activated eSIM. |
| Insurance attach | Travelers | P4 | Travel insurance at checkout. |
| B2B API | Hotels / DMOs | P4 | Tiered API access. |

All commission terms live in the partner contract and are stored in `Business.commissionPolicy` (added in P3 schema).

## Premium tier (Phase 3)

**Promise:** priority booking, no booking fees, priority support, advanced AI trip planner, premium-only partner deals.

**Pricing:** AED 39 monthly or AED 299 yearly (≈AED 24/mo). Free 7-day trial during a confirmed booking.

**Targeting:** travelers who confirm a booking in their first session and have ≥ 3 saved items. Soft-prompt at checkout, never an upsell wall.

**Cancel policy:** in-app, 1 tap, no retention friction. Refund if unused for the entire month.

## Partner take rate

Default tiers (negotiable per business):

```
STAY        12% per booking, capped at AED 600
ACTIVITY    15% per booking
RESTAURANT  18% per order
PHARMACY     8% per order
GROCERY      8% per order
SIM         margin = (retail – wholesale)
TAXI        15% per ride (P3+)
```

Promotions reduce *Navi's* take, never the partner's payout below their floor unless explicitly co-funded.

## Promotions & vouchers

- **Code-based** (`PROMO15` style) and **automatic** (cohort-based, e.g. first booking).
- Stored in `Promotion` table, scoped JSON for kind/city/listing.
- Frontend never computes discounts — the API returns the priced cart.
- Audited: who created, who approved if > AED 200 in expected discount value, who used.

## Refund & cancellation policy (default)

| Listing kind | Free cancel | Partial | None |
|---|---|---|---|
| STAY | up to 48 h before check-in | 24–48 h: 50% | < 24 h |
| ACTIVITY | up to 24 h | 4–24 h: 50% | < 4 h |
| RESTAURANT (reservation) | up to 2 h | — | < 2 h: AED 25 fee |
| FOOD/PHARMACY/GROCERY | until accepted by partner | accepted: 50% | dispatched: none |
| SIM | until activated | — | activated: none |

Partners can override with stricter or laxer terms; UI must display the actual policy at checkout.

## Refund SLA

- Auto-approved refunds processed within 24 h.
- Manual refunds: 5 business days.
- Disputes are escalated to FinanceManager + audit log.

## Pricing display

- Always AED with 2 decimals, computed from minor units.
- Show the *all-in* total at the final step ("incl. VAT and fees"); never reveal a hidden charge after payment.

## Anti-abuse

- 1 promo redemption per user per code by default.
- Velocity limits per user per day per kind.
- Refund ratio per user tracked; outliers flagged for support review.
- Partner commission gaming (self-bookings, fake promotions) detected via heuristics.

## Documented assumptions

- The default take rates are starting points; real numbers come out of negotiations and competitive analysis. They are stored as data, not constants.
- Premium is a Phase 3 bet, not a launch necessity.
- Insurance attach (P4) probably uses a regulated UAE broker partner — legal review required before launch.