Review of Mobile Payments Platforms created by Circle Plus Payments. Learn as a small business owner how to process payments without contracts and without paying fees! visit www.circlepluspay.com

1. Empowering the Next 7 billion People to be Part of the
Mobile Payments Revolution
“Payments for All”
Circle Plus Mobile Payments Solutions
Nitish Kannan
CEO
www.Circlepluspay.com

2. Opportunity
2016
“Payments for All”
Overview
o ~7.4 Billion People in The World
o Over 6 Billion Smart Devices by 2020
o Estimated to Eclipse 1 Trillion USD in 2017.
o Maturing Out of Physical Cards by 2020.
o Many Existing Hardware Solutions are Outdated
and Insecure.
o Expense and Error-prone Process Of Updating
o Existing Hardware Is A Leading Cause Of Data
Breaches.
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Tsunami of Opportunity Exists in the Mobile
Payments Space to Empower Every Smartphone
User in the World.
 Any Merchant/Consultant/Mobile Business
Can Accept Credit Cards, Debit cards or Digital
Currency such as Bitcoin
 Global Invoicing to Receive Payments
Global Opportunities
“Payments for All”

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Therefore, An Exponential Problem Requires
Integrated Solutions Which Can Scale Exponentially
Quickly.
 Environmental Friendly, Carbon Neutral
 Adopts Apple Pay and Android Pay
 Bio-metric Authentication and Tokenization
 Meet International Mobile Commerce Needs
 Mobile Purchase – Retail Shops
 Proximity Mobile Payments - Wearables
Solutions Required
“Payments for All”

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Right Now As An Exponential Technology,
Mobile Payment Services are in the
Inception Stage
Mobile Payments Status
“Payments for All”

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Payments Are Being Digitized.
As Cash Transactions Disappear,
Payments Are Becoming Electronic, Via Wallets
and Credit Cards.
Mobile Wallets
“Payments for All”

9. Features Payable
“Payments for All”
• Point of sale features for mobile devices in both iOS
and android.
• Bitcoin acceptance and converts to local currency
instantly.
• Transaction in 165 currencies.
• No hardware attachments and low transaction fees.
• Apple Pay and Android Pay Options Integrated.
• Global mobile payment solution for the future.
• Based on Stripe Connect platform

10. International
“Payments for All”
o Works in 23 countries and growing
o Supports credit cards, debit cards, and bitcoin.
o International payments market expected to exceed
$2.8 trillion USD by 2020.
o Huge opportunities in South America, Europe,
Australia and Japan
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11. Lower Fees
“Payments for All”
o Lowest key-in rate in mobile payment market.
o 3% vs. 3.5%+
o International transactions typically use key-in option.
o International Rates Vary – Europe as low as 1.4%
o Cheaper access to AMEX for small merchants
o 2.9% + $0.30 USD
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Paypal Rates
Keyed-in or Scanned 3.5% + $0.15 USD
Cross-Border Swiped 3.7%
Cross-Border Keyed-in 4.5% + $0.15 USD

12. Future Ready
“Payments for All”
o Supports Crypto currency and accepts Bitcoin
o Converts to local currency via Bitcoin instantly
o Ready for future crypto currency via software
update.
o Why support Bitcoin?
o Bitcoin transactions allow online purchases
without risking personal data.
o International fees are lower than typical
rates (5 to 10% is the typical rate vs. lower
Bitcoin rate)
o Transaction fees are lower when compared
to credit card fees.
o No inflation risk, due to slow rate of Bitcoin
creation, and the limited total pool of
bitcoins.
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13. Built for Scale
“Payments for All”
o Most mobile payments apps are only built for small
merchants.
o Square and Flint limit transactions to $700 -
$2500 per day.
o Money is typically held for risk and compliance
due to outdated merchant service models.
o No transaction limits while on Circle Plus
o Designed for merchants of all sizes
o Designed for merchants who have international
clients
o Designed for small and large merchants
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14. Unique Features
“Payments for All”
o Supports Apple Pay
o Supports Android Pay
o All that’s required is the app and a compatible
smart phone!
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15. Built to Adapt
“Payments for All”
o Platform built flexible enough to adapt to new trends
o With the advent of wearable devices, payments
apps must maintain flexibility.
o Software based – Can easily be adapted to new devices
and form factors
o Ex: Apple Watch
o With one integrated app, can easily be maintained on
any platform.
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16. Retail Stores Mobile
Shopping App
“Payments for All”
 We are also announcing exclusive white label self check out
App for retailers.
 For instance, electronic stores like Carphone Warehouse
could empower anyone who walks into their stores to scan
the Barcode and Pay Via Mobile Device
 Only payment verification as the customer leaves the store
would be required
 Reduces shopping time to couple of minutes instead of long
waiting period for the payment counter
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Walk-in to Store
Location shown
Geo-locate, Geo-Verify
Feature
Login with PIN or Touch ID
Store Card and Checkout
DEMO APP SCREEN SHOTS

17. Retail Stores Mobile
Shopping App
“Payments for All”
 Merchant Can Also Accept Payment as Traditional
shopping without additional checkout counters with a
mobile device
 Apple Pay and Android Pay Solutions Integrated
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DEMO APP SCREEN SHOTS
Review Cart and Checkout
Open Wallet and Pay

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27. Download
And Signup today
http://circlepluspay.com/payable/

28. Summary
“Payments for All”
What is our transactions platform?
Based on Stripe, Payable is operating on a solid
transactions platform that has seen rapid growth
with low technical risk and a simple implementation.
As Stripe adds support for additional payment
methods, Payable will automatically gain support,
expanding our reach. We’re currently looking into
adding AliPay support as well, so we can enter China.
How will Payable outpace the market?
Our strategy of rapid iteration on the app, and effective
marketing will keep us well ahead of the competition in
the coming months. Since our technology is also
software based, we are able to quickly add new features
as the market changes. We adapt to changing
environments and identify solutions that will be simple
and secure.
What is the international potential?
We are present in USA, Canada, Europe and Australia
Thanks to Stripe platform, we’re able to rapidly iterate
to integrate other foreign markets, such as China,
Japan, and Mexico.
Why we will be Prominent
International Payment Solution?
Our vision, our technology, our partners and
innovative solutions we have developed to support
the 7 billion people
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Our Customers

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Our Partners and Processors

31. Are you ready to join us?
“Payments for All”
Since 2013 Our Commitment Has Been To Reach The
Next Billion Users.
Our Mission Is To Craft The Perfect Payment Solution
For Our Merchants And Users!