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Spotlight Innovators

Impact PaySystem leaders expect to see this list continually expand as the CBD industry matures and new products
continue to be introduced. “The rise in CBD usage will no doubt increase the development and sale of newly created
CBD products,” said Dee Karawadra, Impact PaySystem’s Chief Executive Officer. “With this new domestic program, our
company is now positioned to support this emerging industry well into the future, and we look forward to seeing how it
will evolve over time.”
Accessible boarding option

If you are currently working with CBD or hemp customers that are processing offshore, and/or looking for a stable
domestic CBD electronic payments solution to offer new prospects, Impact PaySystem invites you to learn more about
their program by visiting www.impactpays.com or calling 877.251.0778. You can also contact Impact PaySystem via email
at info@impactpays.com to inquire further about establishing a selling relationship with the company.

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:

Diversifying the payment gateway

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
H 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.

“Invoicing was not a standard feature in the early payment gateway models,” said Vlad Galyuz, Vice President of Product
Development at USAePay. “The initial purpose of the gateway was only to track real-time transactions coming to the
merchant through frontline electronic payment channels.”