Take a look at our SignaPay Insights presentation where we will educate and discuss the main payment product offerings that are expected to grow, available solutions that can help with merchant and ISO retention, and operational enhancements that can improve the efficiency of a payments business.

1. SIGNAPAY INSIGHTS
PAYMENTS
INITIATIVES

2. Contents
MAIN PAYMENT PRODUCT
OFFERINGS EXPECTED TO GROW
AVAILABLE SOLUTIONS THAT CAN
HELP FOR MERCHANT AND ISO
RETENTION
OPERATIONAL ENHANCEMENTS
THAT CAN IMPROVE THE
EFFICENCY OF A PAYMENTS
BUSINESS

3. Main Payment Product Offerings
Expected to Grow

4. Main Payment Pr oduc t Offer ings
Cash Discount Programs
A cash discount program occurs when a merchant decreases the price for
cash purchases and offers merchants an alternative to credit card
processing. Cash discount programs are not credit card surcharges because
they do not levy a fee that is added to a credit card transaction.

5. Main Payment Pr oduc t Offer ings
Benefits of Cash Discount for Merchants
• Service fees are collected by the technology provider who then pays off
the credit card charges on behalf of the merchant, essentially removing
the need for any back-end accounting or complex statements.
• The merchant will usually see their credit card fees dramatically
reduced with only a small technology fee to pay at the end of the
month.
• All those service fees add up to thousands in savings every year.
Upgrade equipment, give a raise, or just take a much deserved vacation
with your fee savings.

6. Main Payment Pr oduc t Offer ings
Gateway with Cash Discount
A gateway is a tool/application that gives a merchant the ability to accept
card transactions for payment, in place of the traditional table-top merchant
terminal. Generally, a gateway also provides additional services such as
reporting and fraud management.
In years past, gateway solutions were used primarily by e-commerce and CNP
merchants, as an integration point with their shopping carts and/or web-site.
Now, gateway applications are becoming more common with retail/brick &
mortar merchants.

7. Main Payment Pr oduc t Offer ings
iPOS Solutions
iPOS (integrated point of sale) solutions are integrated hardware and software
solutions which combine payment processing and business management tools for
businesses.
iPOS solutions have traditionally been implemented at large-merchant locations
(ie. hospitality industry chains – hotels/restaurants) due to the networking
capabilities and price points.

8. Main Payment Pr oduc t Offer ings
iPOS Solutions
In recent years, due to decreasing development and hardware costs, the costs of
purchasing and operating iPOS solutions have become more feasible for all
merchants. Small & mid-sized merchant’s in all business sectors are now able to
acquire solutions that give them more capabilities.

9. Available Solutions For
Merchant and ISO Retention

10. Mer c hant and ISO R etention
Analytics
• Utilizing demographic and settlement data to analyze merchant activity.
• Focus on data and power of using our aggregated data to analyze attrition
risks.
• Mine potential sales and service opportunities for ISO’s.

11. Mer c hant and ISO R etention
Targeted Reporting
• Audience – ISO’s and merchants.
• Types of reports – Activity, services utilized/not utilized, potential
opportunity.

12. Mer c hant and ISO R etention
Marketing Campaigns
• Audience – ISO’s and merchants.
• Types of campaigns – We Want You Back, Cash Discount, Products &
Services.

13. Operational Enhancements That
Can Help Improve The Efficiency of
A Payments Business

14. Oper ational Enhanc ements
CRM
Customer Relationship Management: Tool
used by companies to manage potential
leads and active accounts.
Also serves as a crucial communication
tool for Sales and Operations staff.

15. Oper ational Enhanc ements
Data
Management/Analysis
• Utilizing our data to increase
communication with our ISO and
merchant customers.
• Enhancing our data to increase
internal process flows, thereby
decreasing process timeframes.

16. Oper ational Enhanc ements
Benefits and
Opportunities
• Improved speed and efficiency (go-to-
market).
• Improved communication to ISO’s and
merchants.
• Improved retention of ISO’s and
merchants.