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Spotlight Innovators

scheduling software is flexibly designed for a range of businesses, including individual operators and multilocation
businesses that use appointments to manage clients and staff. "The Digital Age is upon us," Horsley said. "We want to help
our clients succeed today while preparing them for the challenges they will face tomorrow."
We want to hire you!

SpotOn is actively recruiting new sales people, so if the SpotOn product solution sounds like it might be the game changer
or jumpstart your selling career needs, you are invited to check out the company at www.spoton.com or contact their sales
recruitment office directly at 415-306-9488.

SAePay is a family-owned business based in Los
Angeles, CA. For over 15 years, the company
has been assisting merchants with payment
U solutions 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
platforms. 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.”

Serving today’s business model
Fast forward, and the world of business has changed dramatically. Customers of all types are using mobile devices to
purchase both online and in the store. Businesses are also issuing less paper checks to pay B2B vendors and are now
paying many invoices electronically. Consequently, the landscape of electronic payments and the gateway technologies
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