Corporation
Point of Sale, Internet-Delivered
Payment and e-Commerce Solutions
(HINT: please use the left mouse button instead of the “ENTER” key
to go through the presentation)
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Requirements for QSR
e-Payment Systems
1. Fast Customer Cycling
2. Customer Base Retention & Expansion
3. Cost Justifiable
4. Simple to Learn and Operate
5. Integrity of Transactions
6. Host capture/Batch editing
7. Transaction Data on Demand
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The Power of a Secure, Internet-Driven Solution
• One least expensive, full-time Internet connection for
multiple payment terminals
• Payment authorizations in 1-3 sec vs. 15-45 sec (dialup)
• More customers can be served during peak hours,
more revenue, fewer “walk-offs”
• Host capture, no transactions lost in terminals
• Complete transaction & receipt information is
available instantaneously and securely on the Web
• Streamlined monitoring and reconciliation
• Highly efficient chargeback resolution
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What Taco Cabana says…
"Speed of service is what interested us in
the PayMate product.
What we have is much more than speed of
service enhancements. Host capture of data at
the time of sale and signature capture to a
hosted site are two benefits that free the
managers from having to deal with
chargebacks and terminals that fail and have
unprocessed transactions. This moves the
credit card industry from the antiquated
batch processing of data to a more real-time
capture of data. It is also one more step
towards broadband being the only connection
needed for a restaurant.“
Brian Callahan, CIO, Taco Cabana
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OUTLET / HOME
OFFICE

Secure Web Interface
 Real-time Data Access
 On-demand Receipt Retrieval
 Efficient Reconciliation
POINT OF SALE
(POS)
Internet
Payment Terminals






Credit Card
Processors
Credit/Debit/Gift/Smart Cards
Customer Activated
Virtual PIN Pad
e-Signature Capture (opt.)
e-Receipt Capture (opt.)
Advertising
Internet
PayMate Transaction Server





24/7 Security, Support & Back-Up
Real-Time Status Monitoring
Automatic Alarm Messages
Transaction Data Storage and Back-Up
Electronic Receipt Storage
PayMate Internet Appliance
POS System
 Integrated Payment System
 Maximum Payment Efficiency
 Protected LAN Environment







Full-Time Internet Interface
High-Speed Payment Authorizations
Internet Firewall
VPN (Virtual Private Network)
Stand-in / Dial-up Backup to ISP
Remote Status Monitoring
Remote Upgrade Facility
PayMate System - siNET
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Electronic Signature & Receipt Capture
• Lowest Rates
• Fast, Efficient Chargeback
Resolution
• Printer Paper Savings
• No Paper Receipt Storage
• Store Manager Can
Concentrate on Running
the Business
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Benefits to QSRs
BENEFITS WITH ESTIMATED, KNOWN MONETARY VALUE
MONETARY BENEFIT OR COST REDUCTION
AMOUNT
# of TOTAL /
/ STORE
Stores MONTH
/ MONTH
Credit card transactions as fast as cash = more customers
10 add'l customers/store/month x $8.50 /ticket at
served during peak times + repeat customers satisfied with faster
60%Gross profit (sales price - food & material cost)
service.
$51
500
$25,500
Customer always maintains possession of the card, minimizing
employee fraud.
2 occurrences /store/month x $10/occurrence
$20
500
$10,000
Signature and receipt are captured electronically, and can be
immediately reconstructed on-demand. This eliminates the need
for printed store copies of receipts to be stored in "shoe boxes"
for possible later use and optimizes resolution of charge backs.
1 chargeback/store/month x ($10.00/chargeback loss
+ $15.00 fee/chargeback)
$25
500
$12,500
Electronic receipt capture vs. paper receipts
Paper savings resulting from elimination of printed,
store copies of receipts: 10 rolls/store/month x
$2.80/roll
$28
500
$14,000
$36
500
$18,000
One secure Internet connection enables simultaneous operation
of all payment terminals and the office computer. There is no need Elimination of new line installation charges + 2 phone
for multiple phone lines, one for each payment terminal. The
lines/store/month x $18/phone line/month
store saves by minimizing the number of phone lines at each loc
TOTAL ----- KNOWN MONETARY BENEFITS: MONTHLY
$160
500 $80,000
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Benefits to QSRs
BENEFITS WITH UNKNOWN MONETARY VALUE
PayMate.net's Web interface facilitates and enables efficient
reconciliation of accounting issues between individual stores and
corp. office.
COST REDUCTION
AMOUNT
# of
TOTAL /
/ STORE
Stores MONTH
/ MONTH
???
500
Unknown
estimate
Full-time Internet connectivity speeds up network communication
Outlet operations time savings
with the home office, suppliers, etc.
???
500
Unknown
estimate
Secure Internet use eliminates need for dedicated (private) "800"
lines between outlets and home/operations office.
Dedicated line (private network) service savings
???
500
Unknown
estimate
Electronic signature & receipt capture & retrieval as related to
labor time.
(a) Accountant's time savings resulting from
optimized resolution of charge backs
(b) Savings resulting from elimination of paper receipt
storage
???
500
Unknown
estimate
Accounting time savings
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PayMate’s Robustness Features
• RUF (Remote Upgrade Facility):
– Allows PayMate to add features, maintain new releases via
the Internet
• Server Status:
– Maintains operational status of deployed units and rapidly
alerts support personnel of service interruptions
• Stand-in Processing:
– In the event of loss of connections between client and
server or between server and authorizer, PayMate
• Will establish back-up, dial-ISP connections, where possible
• Will provide secure storage of pending transactions with automatic
submission when communications are re-established
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PayMate.net Rises Above the Competition
Feature
Dial-Up
Leased
line/Frame Relay
(Dedicated)
Satellite
(Dedicated)
Wireless
(via mobile phone
networks)
PayMate Advantage?
Speed
Poor (15-60 sec)
Good (~3sec)
Good (~3 sec)
Good (~ 3 + sec)
but variable.
Best (1-3 sec)
Reliability
Good
Excellent
Variable (weather
related)
Good
Excellent. On-Site Auth. &
Back-up Dial connection
prevent service interruptions
Service Coverage
Very Good
(wherever phone
connections
avail.)
Good
(requires
significant
investment)
Very Good
(Requires significant
installation investment)
Spotty
Very Good
(w/ DSL, Cable,
and VSAT)
Multifunctionality
Limited
Web access, Email, and
Advertising with
very specific
payment
terminals
Connectivity to
most payment
terminals and
enterprise
systems
Good.
Expensive custom
systems used by
large, multi-lane
establishments
Good.
Applications provided
via private satellite
connection
Varies with terminal and
service.
Web access, E-mail,
Advertising, Real-time
reporting only with few,
expensive payment
terminals
Best.
PayMate Appliance provides
Internet firewall for LAN,
Router, Back-up facilities,
Web access, E-mail, Realtime reporting, Advertising
Custom h/w and
s/w interfaces
required
Special h/w and s/w
interfaces required
Connections restricted to
wireless-specific payment
terminals and few, new
store management systems
Flexible connectivity to old
and new payment terminals
and store management
systems
Simple
Very Complex &
Expensive
Complex & Expensive
Simple
Simple
Connection
Flexibility
Installation
complexity
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PayMate.net Rises Above the Competition (cont’d)
Feature
Dial-Up
Leased
line/Frame Relay
(Dedicated)
Satellite
(Dedicated)
Wireless
(via mobile phone
networks)
PayMate Advantage?
Base
Communication
Cost/month
Low, $50-$300
Multiple lines
may be required
High, $150-$1000
Medium, $150 - 200
Similar to dial-up
Lowest, $40-$100.
One line used
simultaneously by many
payment terminals
Cost of Transaction
Delivery to
Processor
1 - 3 cents >
PayMate
0 cents
2 - 3 cents
3 - 12 cents > PayMate
2 - 3 cents
Simultaneous Use
of existing phone
line for multiple
POS terminals,
fax/voice, and
computer
No. Different
uses must be
sequenced, one at
a time
No. Dedicated
connection
required
No. Dedicated
connection required
No. Wireless connection
required
Yes, with DSL existing line
is used simultaneously by all
payment terminals,
phone/fax, and in-store
computer
Smart Card
Program
implementation
Requires
replacement of
existing with
new, smart-card
terminals
Requires
replacement of
existing with new,
smart-card
terminals
Requires replacement
of existing with new,
smart-card terminals
Requires replacement of
existing with new, smartcard terminals
Requires only
inexpensive,
smart card reader
that connects to Appliance.
Other Upgrades
Limited to
payment terminal
downloads
Limited to
payment terminal
downloads
Limited to payment
terminal downloads
Limited to payment terminal
downloads
Facilitates broad range of
application and equipment
upgrades with no/minimal recertification requirements.
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PayMate Installations
Campus Cafe
…And MORE Coming soon!
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Thank You For Your Attention!
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