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TheMobileBuzzMobileBuzz
The
G
Getting up etting up GS: What issues should ISOs be thinking about
GS: What issues should ISOs be thinking about
when they seek to partner with mobile payment
when they seek to partner with mobile payment
providers?providers?
to speed on BG: One of the main things an ISO needs to think BG: One of the main things an ISO needs to think
to speed on
mobile payments
mobile payments about is that they need a partner that can give about is that they need a partner that can give
them multiple solutions. them multiple solutions.
A good partner will be able to offer them a solution A good partner will be able to offer them a solution
W sion in mobile payments, what do ISOs yments, what do ISOs for the small guy who needs a solution just for his for the small guy who needs a solution just for his
ith all the talk about the impending explo-th all the talk about the impending explo-
i
sion in mobile pa
weekend tradeshows and outdoor markets, while weekend tradeshows and outdoor markets, while
and merchant level salespeople need to chant level salespeople need to
and mer
still being able to offer the big merchant the enter-still being able to offer the big merchant the enter-
W know about this growing sector? Ben know about this growing sector? Ben
Goretsky, Chief Executive Officer at e-commerce gateway etsky, Chief Executive Officer at e-commerce gateway
Gor prise mobile solution. prise mobile solution.
provider USA ePay, offers timely advice.rovider USA ePay, offers timely advice.
p GS: What technical details concerning mobile pay-GS: What technical details concerning mobile pay-
ment schemes should sales agents know about?ment schemes should sales agents know about?
The Green Sheet: What types of mobile payment The Green Sheet: What types of mobile payment
schemes are being offered today, and do they all, schemes are being offered today, and do they all, BG: The number one thing they should ask their BG: The number one thing they should ask their
by definition, need to have a gateway component?by definition, need to have a gateway component? merchant is, where do you need to process? merchant is, where do you need to process?
Mobile is mobile, but if the merchant thinks that Mobile is mobile, but if the merchant thinks that
Ben Goretsky: Here's what I see being offered – Ben Goretsky: Here's what I see being offered – they can go into the middle of the desert and still they can go into the middle of the desert and still
The Quick and Easy. Solutions like Square started The Quick and Easy. Solutions like Square started expect to get perfect reception for their mobile expect to get perfect reception for their mobile
this. … It's really made for the merchant who is this. … It's really made for the merchant who is transaction, then it's up to the ISO to give them a transaction, then it's up to the ISO to give them a
sick and tired of all the different rates and fees sick and tired of all the different rates and fees dose of reality. dose of reality.
and just wants a solution that they can enter in an and just wants a solution that they can enter in an
amount, swipe the card and have the customer be amount, swipe the card and have the customer be ISOs should also find out what the merchant is ISOs should also find out what the merchant is
on their way with an emailed receipt. on their way with an emailed receipt. trying to do. Does the merchant need a customer trying to do. Does the merchant need a customer
database? Do they need to have inventory con-database? Do they need to have inventory con-
The Sophisticated Merchant – This is the solution The Sophisticated Merchant – This is the solution trol? Do they need to run reports? Do they have trol? Do they need to run reports? Do they have
that is like a POS but not quite the POS. that is like a POS but not quite the POS. multiple sales people using the solution? Knowing multiple sales people using the solution? Knowing
what the merchant needs and what the merchant's what the merchant needs and what the merchant's
It can offer you the ability to put a product in It can offer you the ability to put a product in environment is, is very important. environment is, is very important.
when calculating the amount (basically adding when calculating the amount (basically adding
in the ability to do line items) and then it calcu-in the ability to do line items) and then it calcu- GS: How should ISOs pitch mobile payment solu-GS: How should ISOs pitch mobile payment solu-
lates the total for you (maybe even adding auto-lates the total for you (maybe even adding auto- tions to merchants?ons to merchants?
ti
tax) when checking out your customer; some of tax) when checking out your customer; some of
these may also have a simple customer database. these may also have a simple customer database. BG: They should pitch it to them as the solution BG: They should pitch it to them as the solution
Square's Register, Intuit's GoPayment and a few Square's Register, Intuit's GoPayment and a few they need if they are running a legitimate busi-hey need if they are running a legitimate busi-
t
others are good examples of this. others are good examples of this. ness. Why does that sound so harsh? It's really not hy does that sound so harsh? It's really not
ness. W
meant to, but it's somew
meant to, but it's somewhat true. The merchant hat true. The merchant
The "Real" Merchant – This is the merchant who The "Real" Merchant – This is the merchant who who processes one credit card a week doesn't need
who processes one credit card a week doesn't need
needs the real deal solution when it comes to needs the real deal solution when it comes to merchant services, and agents shouldn't be wasting
merchant services, and agents shouldn't be wasting
mobile payments. mobile payments. their time on that merchant.
their time on that merchant.
The solution needs to have things like an advanced The solution needs to have things like an advanced The merchant who needs to process multiple credit
The merchant who needs to process multiple credit
customer database with saved payment methods customer database with saved payment methods card sales on a daily basis because they are run-
card sales on a daily basis because they are run-
and customer incentive discounts; a robust product and customer incentive discounts; a robust product ning a legitimate business will need the agent's
ning a legitimate business will need the agent's
database with inventory control and management database with inventory control and management solutions. These merchants are looking for the
solutions. These merchants are looking for the
of inventory between multiple locations; ability of inventory between multiple locations; ability better rates, they are looking for the customer
better rates, they are looking for the customer
to sync reports quickly and in real-time regarding to sync reports quickly and in real-time regarding support and they are looking for someone educat-
support and they are looking for someone educat-
transactions, orders, customers and products; abil-transactions, orders, customers and products; abil- ed in the field of mobile payments to provide
ed in the field of mobile payments to provide
ity to sync with your accounting software … all ity to sync with your accounting software … all all these to them.
all these to them.
with the proper security, provisions and permis-
with the proper security, provisions and permis-
sions, as well as a professional interface. Clearly they are not using solutions like Square
sions, as well as a professional interface.
Clearly they are not using solutions like Square
because the price is amazing or the customer sup-
because the price is amazing or the customer sup-
All of these need a gateway to connect to. They all port is great, they use it because no one else has
All of these need a gateway to connect to. They all
port is great, they use it because no one else has
need the transactions to pass through this 'gateway
need the transactions to pass through this 'gateway come along and told them about or educated
come along and told them about or educated
backend' that will store the transaction data in a
backend' that will store the transaction data in a them about what else is out there which would
them about what else is out there which would
secure cloud.
secure cloud. better fit them.
better fit them.
36
36
The
G
Getting up etting up GS: What issues should ISOs be thinking about
GS: What issues should ISOs be thinking about
when they seek to partner with mobile payment
when they seek to partner with mobile payment
providers?providers?
to speed on BG: One of the main things an ISO needs to think BG: One of the main things an ISO needs to think
to speed on
mobile payments
mobile payments about is that they need a partner that can give about is that they need a partner that can give
them multiple solutions. them multiple solutions.
A good partner will be able to offer them a solution A good partner will be able to offer them a solution
W sion in mobile payments, what do ISOs yments, what do ISOs for the small guy who needs a solution just for his for the small guy who needs a solution just for his
ith all the talk about the impending explo-th all the talk about the impending explo-
i
sion in mobile pa
weekend tradeshows and outdoor markets, while weekend tradeshows and outdoor markets, while
and merchant level salespeople need to chant level salespeople need to
and mer
still being able to offer the big merchant the enter-still being able to offer the big merchant the enter-
W know about this growing sector? Ben know about this growing sector? Ben
Goretsky, Chief Executive Officer at e-commerce gateway etsky, Chief Executive Officer at e-commerce gateway
Gor prise mobile solution. prise mobile solution.
provider USA ePay, offers timely advice.rovider USA ePay, offers timely advice.
p GS: What technical details concerning mobile pay-GS: What technical details concerning mobile pay-
ment schemes should sales agents know about?ment schemes should sales agents know about?
The Green Sheet: What types of mobile payment The Green Sheet: What types of mobile payment
schemes are being offered today, and do they all, schemes are being offered today, and do they all, BG: The number one thing they should ask their BG: The number one thing they should ask their
by definition, need to have a gateway component?by definition, need to have a gateway component? merchant is, where do you need to process? merchant is, where do you need to process?
Mobile is mobile, but if the merchant thinks that Mobile is mobile, but if the merchant thinks that
Ben Goretsky: Here's what I see being offered – Ben Goretsky: Here's what I see being offered – they can go into the middle of the desert and still they can go into the middle of the desert and still
The Quick and Easy. Solutions like Square started The Quick and Easy. Solutions like Square started expect to get perfect reception for their mobile expect to get perfect reception for their mobile
this. … It's really made for the merchant who is this. … It's really made for the merchant who is transaction, then it's up to the ISO to give them a transaction, then it's up to the ISO to give them a
sick and tired of all the different rates and fees sick and tired of all the different rates and fees dose of reality. dose of reality.
and just wants a solution that they can enter in an and just wants a solution that they can enter in an
amount, swipe the card and have the customer be amount, swipe the card and have the customer be ISOs should also find out what the merchant is ISOs should also find out what the merchant is
on their way with an emailed receipt. on their way with an emailed receipt. trying to do. Does the merchant need a customer trying to do. Does the merchant need a customer
database? Do they need to have inventory con-database? Do they need to have inventory con-
The Sophisticated Merchant – This is the solution The Sophisticated Merchant – This is the solution trol? Do they need to run reports? Do they have trol? Do they need to run reports? Do they have
that is like a POS but not quite the POS. that is like a POS but not quite the POS. multiple sales people using the solution? Knowing multiple sales people using the solution? Knowing
what the merchant needs and what the merchant's what the merchant needs and what the merchant's
It can offer you the ability to put a product in It can offer you the ability to put a product in environment is, is very important. environment is, is very important.
when calculating the amount (basically adding when calculating the amount (basically adding
in the ability to do line items) and then it calcu-in the ability to do line items) and then it calcu- GS: How should ISOs pitch mobile payment solu-GS: How should ISOs pitch mobile payment solu-
lates the total for you (maybe even adding auto-lates the total for you (maybe even adding auto- tions to merchants?ons to merchants?
ti
tax) when checking out your customer; some of tax) when checking out your customer; some of
these may also have a simple customer database. these may also have a simple customer database. BG: They should pitch it to them as the solution BG: They should pitch it to them as the solution
Square's Register, Intuit's GoPayment and a few Square's Register, Intuit's GoPayment and a few they need if they are running a legitimate busi-hey need if they are running a legitimate busi-
t
others are good examples of this. others are good examples of this. ness. Why does that sound so harsh? It's really not hy does that sound so harsh? It's really not
ness. W
meant to, but it's somew
meant to, but it's somewhat true. The merchant hat true. The merchant
The "Real" Merchant – This is the merchant who The "Real" Merchant – This is the merchant who who processes one credit card a week doesn't need
who processes one credit card a week doesn't need
needs the real deal solution when it comes to needs the real deal solution when it comes to merchant services, and agents shouldn't be wasting
merchant services, and agents shouldn't be wasting
mobile payments. mobile payments. their time on that merchant.
their time on that merchant.
The solution needs to have things like an advanced The solution needs to have things like an advanced The merchant who needs to process multiple credit
The merchant who needs to process multiple credit
customer database with saved payment methods customer database with saved payment methods card sales on a daily basis because they are run-
card sales on a daily basis because they are run-
and customer incentive discounts; a robust product and customer incentive discounts; a robust product ning a legitimate business will need the agent's
ning a legitimate business will need the agent's
database with inventory control and management database with inventory control and management solutions. These merchants are looking for the
solutions. These merchants are looking for the
of inventory between multiple locations; ability of inventory between multiple locations; ability better rates, they are looking for the customer
better rates, they are looking for the customer
to sync reports quickly and in real-time regarding to sync reports quickly and in real-time regarding support and they are looking for someone educat-
support and they are looking for someone educat-
transactions, orders, customers and products; abil-transactions, orders, customers and products; abil- ed in the field of mobile payments to provide
ed in the field of mobile payments to provide
ity to sync with your accounting software … all ity to sync with your accounting software … all all these to them.
all these to them.
with the proper security, provisions and permis-
with the proper security, provisions and permis-
sions, as well as a professional interface. Clearly they are not using solutions like Square
sions, as well as a professional interface.
Clearly they are not using solutions like Square
because the price is amazing or the customer sup-
because the price is amazing or the customer sup-
All of these need a gateway to connect to. They all port is great, they use it because no one else has
All of these need a gateway to connect to. They all
port is great, they use it because no one else has
need the transactions to pass through this 'gateway
need the transactions to pass through this 'gateway come along and told them about or educated
come along and told them about or educated
backend' that will store the transaction data in a
backend' that will store the transaction data in a them about what else is out there which would
them about what else is out there which would
secure cloud.
secure cloud. better fit them.
better fit them.
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