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Spotlight Innovators

SAePay is a family-owned business based in Los
Angeles, CA. For over 15 years, the company has
been assisting merchants with payment solu-
U tions to fit their needs. USAePay's payment gate-
way supports most of the major platforms in the credit card
industry and works with some of the leading check plat-
forms. USAePay is pleased to work with most of the larger
merchant service banks in the US and Canada.

What’s New:
Bridging the EMV divide

ith the 2016 introduction of the EMV (Europay, Mastercard and Visa) cardholder security migration in the
United States, merchants of all types were charged with upgrading their POS systems to ensure compliance.
Of course, the benefits that EMV introduced far outweighed the challenges of going without its built-in
W protections. Nevertheless, the new card brand mandate also carried with it a host of business impacts.

For enterprise-level retailers, EMV-capable POS devices and transaction technologies were sluggish at first. Fortunately,
technology providers in the payments industry have diligently been working since the migration deadline to develop
and implement technology version updates and additional EMV acceptance options; all with the ambition of speeding up
transactions and providing merchants with other frictionless alternatives.

Better solutions for smaller and more mobile merchants did not evolve as quickly, but these innovations have also begun
to emerge in the marketplace. In fact, a few of the newly created mobile-friendly EMV solutions are addressing the need
for affordable EMV, as well as many other pain points these dynamic merchants are faced with

“Industry-wide change often motivates creativity, and since the onset of the EMV migration, the payments industry has
been successful in providing merchants of all types with new solutions that enhance performance and functionality,” said
Martin Drake, USAePay President, “By introducing flexible POS solutions that transcend the idea of a fixed countertop
device, we are in effect, meeting the entire retail market at its point of need.”
One innovative solution

USAePay looked at the EMV migration as an opportunity to launch its newly integrated technology, designed to help
bridge the EMV migration gap for the smaller retail merchant. The idea behind USAePay’s latest payment gateway
application is to seamlessly integrate into an on-the-go merchant’s day-to-day working environment by enabling fully
compliant payments to be accepted via any web browser. The browser-based application can handle any type of payment,
including card-based swipe, hand-keyed and contactless transactions.

The groundbreaking technology powering USAePay’s new payment gateway application is certified to work with a
majority of payment processing platforms, making it a universal and convenient option for most merchants that aren’t
tied to a storefront POS system. The application utilizes a web-based interface, or console, that enables the merchant
to easily accept credit and debit chip card payments using any desktop or laptop computer. To enable the application,
merchants pair their certified EMV devices to USAePay’s gateway through any WiFi network, and then they can start
processing payments immediately.

According to USAePay’s CEO Ben Goretsky, the new EMV solution is a first-of-its-kind industry answer to giving smaller
merchants the ability to process EMV in an all-in-one environment. “Using any browser, on any computer, merchants can
now process EMV payments quickly and securely through our merchant console interface,” Goretsky stated.

A partnership offering versatility
All USAePay partners are now able to easily enable a merchant account supported by the company’s gateway with the
ability to process EMV-compliant contactless (Apple Pay and Samsung Pay) and swipe transactions through a browser.
Compatible to work with macOS and Windows-based web browsers, USAePay’s browser-based payment gateway
application functions through a merchant’s choice of EMV-certified hardware from providers such as Verifone, Ingenico,
and Castles; thereby providing every USAePay partner with an immediate EMV-ready solution to offer their merchant
customers.

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