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S Spotlightpotlight I Innovatorsnnovators

SAePay is a family-owned business based in
Los Angeles, CA. For over 15 years, the com-
pany has been assisting merchants with pay-
U ment 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:

USAePay: Powering the mobile

payments ecosystem

magine intelligent money that makes recommendations based on consumer spend while letting shoppers add
points and miles at checkout. Today’s mobile payments do all these things and more while providing more choices
than ever before in how, when and where people can pay. Mobile payments were on the rise even before a global
I pandemic. When Covid-19 raised concerns about touching physical surfaces and currencies, touchless and contact-
less payment methods enabled people to safely transact by tapping their phones and cards at POS terminals and kiosks.
Vlad Galyuz, vice president, product development at USAePay, expects these solutions to remain a preferred payment
method long after Covid-19.

“These payment methods are here to stay even after the pandemic because of their convenience, security, and overall
adoption on the merchant and consumer side,” Galyuz said. “USAePay is ready to facilitate mobile contactless payments
with our range of point-of-sale integrations and contactless-enabled payment terminals.”
Fast, simple, seamless
Merchants and consumers have always enjoyed speed, convenience and control when transacting with mobile devices,
Galyuz noted. And behind the scenes, USAePay connects technologies, card brands and service providers to deliver fast,
simple and seamless mobile commerce. These modern payment methods enable merchants to accept payments from
anywhere and allow consumers to browse and buy from the comfort and safety of their own homes and devices. As
mobile adoption grows, end-users are looking for stores and brands that offer these payment options. Merchants find that
mobile platforms help them attract new customers and deliver valuable insights into shopping habits and preferences. This
information includes purchase information, from amount spent to the most- or least-used payment method. Merchants
can use these insights to create targeted, personalized offers and messaging.

The mobile consumer
Today’s consumers have never had more options for paying and consequently, merchants are implementing multiple
types of solutions to appeal to their customers’ diverse payment preferences.

Apple Pay acceptance

USAePay helps merchants accept Apple Pay in physical stores, websites and iOS mobile apps. When deploying in retail
applications, this involves equipping merchants with NFC-capable POS devices that support Apple Pay. When deploying
in apps and on websites, merchants need to obtain an Apple merchant ID, processing certificate, domain registration and
merchant identity certificate. Developers can use the USAePay Payment Engine and support to integrate their iOS apps
into retail payment terminals.

Mobile wallet acceptance

USAePay partners with leading POS providers in numerous industries, using NFC technology to support a range of mobile
wallet schemes, including Android Pay, Samsung Pay and more. A full list of supported POS/ERP systems is available on
our website. Merchants that accept mobile wallets at physical stores enable their customers to wave or tap NFC-enabled
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