apriva overview - z0sqrs-a.akamaihd.net · the leading solution provider of highly -secure payment...

Confidential and Proprietary © 2014 Apriva LLC

Apriva Overview Nationwide Payment Solutions February 27, 2014


Who We Are • Founded in 1999 and headquartered in Scottsdale, AZ • Mobile Commerce and Secure Communications Solutions • Two Divisions: Point of Sale (POS) & Information Security Systems (ISS) • 900+ sales channels • 170 million transactions worth nearly $10 billion processed in 2014 • 220+ employees with a strong engineering concentration • Strong patent portfolio in wireless applications development,

operations, management and security

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We Are Innovators

How We Got Started

• Developed one of the first third-party RIM® applications on the RIM 950™ device and the magnetic card reader in 1999

• Our desire was to have a ‘platform’ to develop wireless applications and push them to devices (we were awarded a patent prior to the iTunes ® App Store or Google Play®). So we: — Built a payment gateway for wireless devices — Developed a POS application — Developed technology (AprivaTalk™) to deal

with unreliable wireless networks — Established relationships with wireless carriers — Set up direct-line connections to processors — Continued to add more terminals and processors

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Apriva is the Market Leader for Secure Communications Solutions

Who We Are

Point of Sale (POS) business competes in the electronic payments industry

Information Security Systems (ISS) business competes in the secure mobile

communications market

Top Secret Devices Commercial Devices

Apriva POS Apriva ISS

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http://www.verizonwireless.com/b2c/store/controller?item=phoneFirst&action=viewPhoneDetail&selectedPhoneId=5069&changingCompletedOrder=

http://www.verizonwireless.com/b2c/store/controller?item=phoneFirst&action=viewPhoneDetail&selectedPhoneId=5069&changingCompletedOrder=


Transport Security Apriva Provides Unsurpassed Transport Security • Independently validated against the strong

encryption and security programs of VISA®, MasterCard®, American Express®, and the Payment Card Industry Security Standards Council™ (PCI)

• We are the ONLY accredited wireless connection to the U.S. Government’s classified network

• Accredited by the Department of Defense for use with classified information

• Our source code was U.S. Intelligence Community reviewed

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Worldwide global mobile payment transaction values are expected to grow by 44 per cent from $163.1 billion in 2012 to $235.4 billion in 2014 and further to $ 721 billion by 2017 with more than 450 million users according to Gartner, Inc.

Why Sell Mobile Payments

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Turn your cell phone into a sell phone.

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AprivaPay Plus Features Key Features:

View sales/transaction history Advanced transaction search Tips Sales tax Invoice number Email receipts SMS receipts Merchant copy on all receipts Resend receipts Wireless receipt printing via Apple AirPrint and

Google Cloud Print Transaction description free form description for

each transaction Quick sale or item mode Inventory items can be defined with set prices,

bar codes and photos Select items from inventory list or scan barcodes Password reset Geotagging (map location of sale on receipt) In-app reporting Card reader test

Settings synchronization save and restore settings

on device or via cloud Inventory synchronization save and restore

inventory on device or via cloud Persistent login available for iOS Demo mode non-activated users can test app Tablet compatibility for iOS and Android Receipt recipients from contacts add contacts

from address book Voice over support features for visually impaired

users Tip reporting included in total sales reports iOS7 support

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AprivaPay Plus Features (continued) Supported devices:

Android smartphones Android tablets iPhones iPads

Supported transactions: Credit sale Cash sale Refund Void combined with refund Adjust merchant issues refund and performs another

sale Partial authorization Partial refund AVS Commercial cards Auto settlement

Card reader support: Anywhere Commerce encrypted Rambler No setup or configuration required

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Supported Peripheral

Rambler 2.0 •Advanced Encryption Standards - AES 3DES Encryption •Plugs into audio headphone jack •Built-in battery

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Confidential and Proprietary © 2014 Apriva LLC 11

AprivaPay Plus: Screen Shots Of Log In & Sale Set Up

Secure Log in

Main Screen

Select Payment Type

Edit Sale Settings


AprivaPay Plus: Screen Shots Of Inventory Set Up & Editing

Adding Inventory

Inventory Can Include: Product Name, Price, Image, UPC and Barcode

Select Item To Edit

Item Edit Screen


AprivaPay Plus: Screen Shots Of Taking A Payment

Adding Items From Inventory

Review & Confirm Sale

Swipe Card


Screen Shots Of: AprivaPay Plus Settings and Sending Receipts

S I G N A T U R E

S E N D R E C P I T

ORDER S UMMARY

C O P Y O F R E C I P T


AprivaPay Plus: Screen Shots Of Reporting or After Sale

Sale History Main Page

Selecting a Past Sale

View By Date Range


Taxi, Limousine, Trucking, Scenic and Sightseeing merchants

Couriers and Messengers

Landscape Architectural Services

Janitorial Services

Carpet, Tile and Upholstery Cleaning Services

Recreational Facilities such as skiing, golf courses (cart services) etc.

Restaurants who offer delivery

Caterers

Exterminating and Pest Control Services

Free standing retail kiosks, carts, etc.

Target Merchant Types

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Seasonal Merchants • Fireworks stands

• Scenic and sightseeing tour companies

• Golf courses (cart services)

• Boat rentals

• Pumpkin Patches

• Christmas Tree Lots

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Traveling Merchants and Events • Food trucks

• Hot dog stands

• Festivals, art fairs, bazaars, carnivals, swap meets, flea markets, etc.

• Concert and Sporting Souvenirs & Concessions

• Parking lots

• Caterers

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Remember Your Current Portfolio • May be using other mobile solution as well as your services

• Higher rates

• Separate reporting

• Swiping gets better rates and chargeback protection than manual entry

• Writing down card numbers increases risk

• Merchants who need several people who take sales at the same time

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How to Sell AprivaPay Plus Sample Qualifying Questions:

1. Do you currently accept credit cards today? • If no, then introduce AprivaPay as an option • If yes, then move to next question

2. Describe how you accept card payments today? Answers may include: • Voice authorization (calling into an 800 number to receive a credit card approval) • Made for purpose dial terminal • Made for purpose wireless terminal • Online terminal (internet-based)

3. What could you do to improve or enhance the way you accept payments today? • If merchant is truly a mobile merchant, the answer most likely will be: Accepting payments

at the point of delivery of service

Confidential & Proprietary 20


Objection: Concerns with cost of made For Purpose Terminals (MFP) Solution: AprivaPay Plus Merchant and delivery staff can use their current smart phones to accept payment Objection: Concerns with security of using a phone to take payments Solution: AprivaPay Plus is more than just complaint, we raise the bar when it comes to security. No data is stored on the phone, it is stored on the Apriva gateway. Apriva also provides secure wireless messaging for the US Government (NSA and Dept of Defense). We use Advanced Encryption Standards (AES) with the maximum (256 bit) key strength for two-way authentication and Encryption keys provide a unique key for each transaction

Objection: Merchant is small and feels they can save money only accepting cash or check Solution: Reinforce the fact that by not accepting cards they are losing money. Statistics show that the average ticket can increase up to 20% by accepting CC payments.

Objection: Merchant either does not accept credit/debit cards; or does not have a mobile device and uses a knuckle buster or writes down the card information. Solution: Statistics show that the average ticket can increase up to 20% if the end customer can pay via a credit card

Overcoming Objections

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Selling Tips

App version is available on • Apple iOS (iPhone, iPad, & iPod Touch) 3.0 • Android™ OS 2.0-3.x and above

24/7 Support • Phone or real-time chat support • Others rely on e-mail or twitter • Sold in person by a person

Verified complaint (PA-DSS) Pricing

• Show Pricing Analysis • Pricing based off merchant’s business, not one-size-fits-all

Funding Times Additional Value Add Services Trusted Relationship

AprivaPay Plus vs. Competitors

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How to Sell Against Smartphone Competitors

• Customer Service – Phone or real-time chat support – Others rely on e-mail or twitter – Sold in person by a person

• Pricing – Show Pricing Analysis – Pricing based off merchant’s business, not one-size-fits-all

• Funding Times • Additional Value Add Services • Security • Trusted Relationship

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• Metro region residential plumbing and air conditioning repair company

• Operates 30 trucks and service technicians

• Maintains two dial-up credit card machines in central office

• Reps write down credit card info and calls it in to the office for the Office Manager to process

• Each Rep accepts an average 30 transactions and does $18,000 in volume each month

Joe’s Plumbing & Air Conditioning

Real Life Example – With AprivaPay Plus

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• Relieves Back Office Personnel

• Eliminates Centralized Processing of Payments

• Chasing Down Declined/Incorrect Credit Cards

• Provides Accounting Efficiency

• Real-Time Web-Based Reporting Versus Paper Slips at the End of the Day

• With a savings of $5 for every $1000 processed :

• $90 per truck per month

• $2,700 per month

• $32,400 annually

Real Life Example – With AprivaPay Plus

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AprivaPay Plus 3.0

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• Localization – (Optional Spanish and French language support based on device default language)

• Tablet design changes – Enhanced user experience

• Push notifications (phase 1 and beyond)

• Check recording and check processing

• Tablet peripheral integration

• Partial refunds phase 2 - Items mode

• Enhanced analytics and reporting

• Restaurant tip mode for tablets

• Duplicate transaction prevention

• Consumer opt-In (Client application to Merchant Portal export)

• Merchant Portal 1.0 – The Web companion


• 24x7x 365 Technical help desk services

• Level 2 support for our resellers’ help desks

• Level 1 support offering for merchants

• ACE (Apriva Customer Education)

— 24x7 Live Chat

— Roles-based views

— Submit feedback

— Personalized notifications

— Personalized support history

— Merchant survey functionality

Apriva Support

Customer Contact Center / Help Desk

https://ace.apriva.com

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http://ace.apriva.com/


Why Choose Apriva?

• Market Leader. The leading solution provider of highly-secure payment gateways in North America

• Performance. Apriva takes pride in exceeding customer’s expectations

• Future-Proof. Broad and deep product roadmap for the payments industry and campus market

• Trusted Provider. Large banks, major corporations , the U.S. government, and international allies entrust Apriva to provide secure gateway services

• System Reliability. Geo-redundant data centers with 99.998% uptime in 2012

• Technology Innovator. Apriva is on the leading edge of providing technology innovation to the POS industry

• Value. Apriva provides the best price-performance solutions in the industry

• Payment Choice. Apriva provides the broadest choice of payment options in the industry

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About Apriva

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Apriva leads the way in wireless payment processing and secure mobile communications. Our customers benefit from fully-managed, end-to-end security solutions that incorporate hardware, software, and network infrastructure, and management tools. That means businesses of all sizes and government agencies use Apriva technology to communicate with confidence – using the networks and devices they favor. Address: 8501 North Scottsdale Road, Suite 110 Scottsdale, Arizona 85253

apriva overview - z0sqrs-a.akamaihd.net · the leading solution provider of highly -secure payment...

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