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Spotlight Innov
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“Now, with customers having more control over when, where, and how they make a purchase, the leverage and power has
shifted firmly in favor of the consumer,” Gardner surmises. “Today's commerce requires a willingness to adapt and evolve
with customer-driven needs, and meeting all of these unique preferences is now easy from a payments perspective.”

Since payment technology integration has also become a norm in the retail vertical, in order to stay relevant and efficient,
retailers now have no other choice but to shift toward offering customers a fully integrated payment experience. And, with
the payment process now embedded into the customer’s entire shopping journey, sales professionals need to introduce
the right payment technologies to enhance their merchant client’s end-to-end customer experience.

Gardner encourages his NAB sales partners to leverage the company’s omni-commerce solutions and multi-channel
integrations, ultimately positioning retailers for long-term success by creating a fully integrated experience from shopping
to check out.

“Retailers and merchants can firmly plant the seed of brand loyalty if the shopping experience is taken to the next level
for each customer,” Gardner concludes.
Be Part of the Revolution

If you would like to be part of a company that is committed to helping retail clients stay ahead of their competition
by offering a dynamic set of products and services, you are invited to give NAB a look. To learn more about NAB, its
technologies and retail offerings, or to inquire about becoming an NAB sales partner, visit the NAB website https://www.
northamericanbancard.com/ or contact the company directly at 888.229.5229.

SAePay is a family-owned business based in Los
Angeles, CA. For over 15 years, the company has
been assisting merchants with payment solutions
U to fit their needs. USAePay's payment gateway
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:

Diversifying the payment gateway

H istorically, merchants have used the payment gateway exclusively to track electronic payment data. In most

scenarios, this data is accessed online through a portal account or an integrated POS program, giving the
merchant access and insight to transaction activity during a specified period of time.

Since many merchants handle over-the-counter or online sales in a business-to-consumer (B2C) setting, they routinely
turn to the gateway dashboard to see daily transaction totals, keep an eye on cash flow trends and determine whether
any debits have been charged back against the bottom line. Though invoicing isn’t a common practice for these B2C
merchants, they do occasionally need to bill customers for outstanding purchase balances, support fees or remote sales.
Of course, business-to-business (B2B) merchants also send invoices to clients for services. However, the management of
invoicing activity has generally been handled outside of the gateway portal.
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