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        solutions are virtual, customizable and continuously up-  "It was important to me to be compliant in the eyes of the
        dated, according to Austin Mac Nab, managing partner at   card brands, which have a bigger voice in the merchant
        VizyPay.                                                acquiring world," Mac Nab said. "We worked closely with
                                                                app  developers.  Clover's  legal  teams  helped  us  navigate
        In June 2020, VizyPay released a cash discount app in the   the legalities, which greatly simplified the process and
        Clover app market. Designed to facilitate discounts to cus-  gave us the assurance we needed that we were executing
        tomers who pay in cash, the new app complements the     precisely and according to plan."
        company's existing cash discount program and is avail-
        able to any merchant who uses Clover POS. VizyPay's cash   The app makes it easier for businesses to implement and
        discount app uses proprietary technology to automate    start saving money, Mac Nab added. Merchants can sign
        cash discounting, thereby removing fee unpredictability   up for the program directly on their Clover systems. All
        and helping lower the merchant's costs, Mac Nab stated.   they have to do is download the app and upload their in-
                                                                ventory of products or menu items to a Clover POS device.
        "We wanted to take the stigma away from cash discount
        programs," Mac Nab said. "Some of the signage that is be-  "When a customer pays with cash, the merchant can se-
        ing used places the program in a negative light. In reality,   lect the VizyPay Cash Discount Tender option and choose
        our cash discount program is helping our small business   cash  or  check,  and  the  system  will  automatically  apply
        partners reduce and eliminate monthly processing fees   the cash discount to the balance due," Mac Nab said. "The
        and save millions of dollars."                          customer's receipt will show the cash discount received at
                                                                checkout. This is another example of how mobile apps and
        Leveraging existing technology                          marketplace models help participating merchants build
        Mac Nab mentioned he was attracted to Clover because of   customer loyalty and trust."
        market share and finely tuned infrastructure. While his
        initial plan was to build technology to give away free to   Dale S. Laszig, senior staff writer at The Green Sheet and managing
        his merchant customers, he soon recognized that he could   director at DSL Direct LLC, is a payments industry journalist and content
        make the solution available to all merchants who use the   development specialist. She can be reached at  dale@dsldirectllc.com
        Clover app market.                                      and on Twitter at @DSLdirect.







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