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Spotlight Innovators

The strength of the security behind USAePay’s gateway is also ubiquitous, meaning the technology and the security
standards that back it up, apply to all of their channels of business. This gives USAePay an economies-of-scale advantage
over some other gateway service providers and helps the security experts at USAePay concentrate on one, end-to-end
solution that is always secure and operationally sound.

If you would like to know more about USAePay’s security practices, gateway technology or the solution set we provide for
your business channel, please visit our website https://usaepay.info/ or contact us directly at 1-866-USAePay.

potOn Transact, LLC ("SpotOn") is a cutting-
edge payments and software company rede-
fining the merchant services industry. SpotOn
S brings together payment processing and cus-
tomer engagement software, giving merchants richer data
and tools that empower them to market more effectively
to their customers. The SpotOn platform offers the most
comprehensive tools for small and medium businesses,
including payments, marketing, reviews, analytics and
loyalty, backed by industry-leading customer care.
What’s New:
Is it time to sell something new?

D espite radical changes in the payments industry, until recently, the art of "selling payments" hasn't changed

much at all. In fact, for enterprise markets, selling electronic payments is still often about rates, basis points,
acceptance types, and getting the most bang for the merchant's buck.

The emergence of the POS and integrated software systems has changed the landscape for payments sales professionals
and this trend is now beginning to open up critical doors for historically underserved niches such as the small-to-medium-
business (SMB) market.

"Traditionally, SMBs have not been able to afford a full-scale, subscription-based business software with an integrated
POS engine," said RJ Horsley, President of SMB software provider SpotOn. "This left a big service gap that was hard to
bridge with a value-based, consultative sale."
A new kind of SMB product

According to Horsley, this is the challenge SpotOn addresses for SMBs, and the viability of its product suite has transformed
the sales process into a qualitative, value-based conversation. "You're no longer the guy trying to convince the SMB you
can offer more," said Horsley. "The SMB sales representative is now repositioned with a realistic set of software and POS
products that were designed with SMB growth in mind."

SpotOn offers SMBs an end-to-end platform that combines processing, business management, and customer engagement
in an integrated subscription service with a diverse set of SMB-enabling tools and capabilities. Participating merchants
can manage payment processing, marketing campaigns, online reviews, loyalty, and customer analytics in one place.
Combining these critical assets enables business owners to attract and retain customers while building brand recognition,
noted Horsley.

"At SpotOn, we view solutions and service through a small business lens, transacting with fellow entrepreneurs in the
same way that we would want business done," Horsley said. "We provide support, training, and month-to-month contracts
with no termination fees and that makes selling a breath of fresh air for the sales representative."
Real solutions = sustainable accounts

The SpotOn philosophy is to provide the SMB with the right solutions to help them expand and scale. "We believe with
the right products and services, customers will stay forever," Horsley stated.

For the sales person, this means you are actually "solution selling" and delivering a software-and-product-focused message
that will solve a real business pain point.
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