How Every Company Charges Every Other
كيف تُحاسب كل شركة الأخرى
The complete billing matrix — commissions, subscriptions, cost allocations, revenue shares, per-unit fees, and spreads. Every dirham tracked, every flow documented.
6 Billing Models — One Ecosystem
Every inter-company charge falls into one of these six models. Clear rules, no ambiguity.
Transaction Commission
عمولة المعاملات
A percentage of every transaction processed. Scales with volume. Used when the provider directly enables revenue.
SaaS Subscription
اشتراك شهري
Fixed monthly fee per merchant, per employee, or per company. Predictable recurring revenue.
Cost Allocation
توزيع التكاليف
Infrastructure costs split by API calls, storage, and headcount. Used for shared backbone services.
Revenue Share
حصة الإيرادات
A percentage of revenue generated through the service. Aligns incentives — provider earns only when the client earns.
Per-Unit Fee
رسوم لكل وحدة
Fixed fee per delivery, per employee, per course, per service rendered. Clear, simple, auditable.
Spread / Margin
هامش الربح
Markup on cost — buy at wholesale, sell at retail. Captures margin on financial products and supply chain.
Complete Billing Matrix — Every Provider, Every Client
Click each company to see exactly what they charge, who they charge, the rate, and a real example.
Locked Billing Rules
One Tourist, 10 Revenue Events
Watch how a single tourist generates revenue for 8 different companies in 24 hours — and how each company bills the others.
Settlement & Reconciliation — The Rules
How money moves between companies. Automated, auditable, non-negotiable.
Daily Settlement
All merchant payouts settled T+1 (next business day). Merchant receives order amount minus commission minus gateway fee.
Weekly Inter-Company
Sister company invoices reconciled weekly (every Sunday). Net amounts transferred Monday. Auto-calculated by Rabtul.
Monthly Cost Allocation
Rabtul infrastructure, shared services, and group overhead allocated monthly by the 5th. Based on API calls + headcount + revenue.
Quarterly True-Up
Quarterly review of all inter-company rates. Adjustments for volume changes, new products, SLA breaches. Group CFO sign-off.
SLA Penalty Credits
If a provider misses SLA (e.g., Rabtul <99.99% uptime), automatic credit of 2x the affected billing amount to the client company.
No Double-Dipping
A single transaction generates revenue for max 3 companies. Example: Order → Wasil (commission) + RTMN Finance (gateway) + Nuqta (coin fee). No more.
Internal vs External — The Pricing Principle
Sister companies ALWAYS get a better deal than external clients.
| Service | External Rate | Internal Rate | Savings |
|---|---|---|---|
| Rabtul Infrastructure | AED 5K-50K/mo + usage | Cost allocation only | 40-60% |
| Adzy Advertising | 20-35% revenue share | Cost + 10% performance bonus | 50-70% |
| Wasil Fleet Delivery | AED 10-25 per delivery | AED 5-15 (at cost) | 30-40% |
| Inventora Warehouse | 15-25% margin | Cost + 5% ops margin | 60-75% |
| NextaBizz Procurement | 5-12% commission | 0% commission (seller pays) | 100% |
| Nuqta Cross-Sell | 5-12% affiliate commission | 2.5-6% (50% discount) | 50% |
| BizOne Merchant Data | N/A (not sold externally) | AED 10K/mo + usage | At cost |
| RTMN Finance Treasury | N/A | AED 0 (shared service) | 100% |
The Golden Rule
Sister companies never pay profit margin to each other for core services. External clients subsidize the ecosystem. This creates an unbeatable cost advantage — every RTMN company operates at 30-70% lower cost than competitors who use external vendors. The savings compound across all 11 companies, creating a structural moat no single-product competitor can match.
Revenue at Scale — AED 1-2B+/yr
| Company | Primary Revenue Model | Revenue Range |
|---|---|---|
| RTMN Finance | Gateway + APR + BNPL MDR + FX | AED 164-330M |
| Wasil Apps | Order commission + delivery + subscription | AED 180-360M |
| Adzy Media | CPC/CPM + influencer + sponsored | AED 114-230M |
| BizOne Tech | SaaS subscription + gateway fee | AED 104-210M |
| Nuqta Corp | Cashback fee + membership + breakage | AED 89-175M |
| Inventora | Inventory margin + warehouse SaaS | AED 87-175M |
| NextaBizz | B2B commission + logistics margin | AED 84-170M |
| Travel Co. | Booking commission + ride fees + airport | AED 74-150M |
| Rabtul | Cost allocation → PaaS licensing (Y3+) | AED 64-130M |
| Eventora+ | Ticketing + vendor commission + SaaS | AED 44-90M |
| Vertical Services | Per-service + per-employee + SaaS | AED 40-80M |
| TOTAL | Combined ecosystem revenue at scale | AED 1,044-2,100M |