The SPS Advantage Customer Financing Made Easy! - PowerPoint PPT Presentation

The SPS Advantage Customer Financing Made Easy! www.securepaymentsystems.com | Las Vegas  San Diego  Denver  Tampa | 844.430.1281

WHAT IS EZPAY ADVANTAGE? Advantage™ is a deferred payment program that allows consumers to extend their payments for goods or services over 3, 6, 12, or 18 months utilizing their bank issued debit card . KEY FEATURES • Real-time transaction processed in seconds • Application can be completed on any web enabled device • Credit scoring as low as 525 • Guaranteed settlement funded in three business days Available in 36 states • • Program is either Retail Installment or Rent to Own www.securepaymentsystems.com | Las Vegas  San Diego  Denver  Tampa | 844.430.1281 3/1/2019 2

CUSTOMER NEED  61% of Consumers Have Impaired Credit or Have No Credit Available  44% of Consumers Say They Would Have To Borrow Money For An Emergency Over $400 www.securepaymentsystems.com | Las Vegas  San Diego  Denver  Tampa | 844.430.1281 3/1/2019 3

BENEFITS FOR MERCHANTS  Provides Customer Buying Power  No POS Equipment or Apps Necessary - Only Internet Access Required  Process Application in Store or Customer Device  SPS assume all Liability for Approved Transactions  Approved Deals Funded in Full in 3 Business Days www.securepaymentsystems.com | Las Vegas  San Diego  Denver  Tampa | 844.430.1281 3/1/2019 4

BENEFITS FOR CUSTOMER  3, 6, 12, or 18 Month Payment Terms  Up to $4000 in Buying Power  Credit Scores as Low As 525 Accepted  Instant In Store Decision or Pre-Approval  Application completed in Store or on Personal Device  No Paperwork  Payments Made With Bank Issued Debit Cards www.securepaymentsystems.com | Las Vegas  San Diego  Denver  Tampa | 844.430.1281 3/1/2019 5

PRODUCT AVAILABILITY www.securepaymentsystems.com | Las Vegas  San Diego  Denver  Tampa | 844.430.1281 3/1/2019 6

MARKETING AND PROMOTION ADVERTISE FLEXIBLE PAYMENT PLANS WITH PROMINENT POINT OF SALE MATERIAL Point of Sale 2.75” x 4” Window 6” x 8.5” Wall Card 5” x 6” Table Easel / Register Sticker Web Banners www.securepaymentsystems.com | Las Vegas  San Diego  Denver  Tampa | 844.430.1281 3/1/2019 7

SAMPLE 12 MONTH FEES BY CREDIT QUALITY Sample 12 Month Payments By Credit Quality www.securepaymentsystems.com | Las Vegas  San Diego  Denver  Tampa | 844.430.1281 3/1/2019 8

MERCHANT FEES Annual Subscription Fee $195 Monthly Program Fee $29 Discount Rate on Purchase Price 5% 3/1/2019 9

MERCHANT RETURN ON INVESTMENT New Customers and Upsell Opportunities One New Sale Weekly Month Total Annual Total Average Sale $1,000 $4,000 $48,000 $1,500 $6,000 $72,000 $2,500 $10,000 $120,000 $3,000 $12,000 $144,000 One New Sale Bi-Weekly Month Total Annual Total Average Sale $1,000 $2,000 $24,000 $1,500 $3,000 $36,000 $2,500 $5,000 $60,000 $3,000 $6,000 $72,000 One New Sale Monthly Month Total Annual Total Average Sale $1,000 $1,000 $12,000 $1,500 $1,500 $18,000 $2,500 $2,500 $30,000 $3,000 $3,000 $36,000 3/1/2019 10

Customer Application Process www.securepaymentsystems.com | Las Vegas  San Diego  Denver  Tampa | 844.430.1281 3/1/2019 11

Merchant Account Credentials www.securepaymentsystems.com | Las Vegas  San Diego  Denver  Tampa | 844.430.1281 3/1/2019 12

MERCHANT PORTAL Merchant Selects Processing Option Send it to a customer’s phone or email Send it to a customer’s phone or email www.securepaymentsystems.com | Las Vegas  San Diego  Denver  Tampa | 844.430.1281 3/1/2019 13

CUSTOMER APPLICATION USE EZPAY ADVANTAGE TO SEND AN APPLICATION WITH THE FINAL PURCHASE AMOUNT TO YOUR CUSTOMER’S CELL PHONE OR EMAIL SO THEY CAN FILL OUT ON THEIR OWN. $1200 3/1/2019 14

CUSTOMER APPLICATION SCREENS Consumer Opens Product Link Provided by Merchant and Completes Application for your purchase from ABC Merchant for $1200.00 for your purchase from ABC Merchant for $1200.00 for ABC Merchant – Customer Application Income information Annual Income Please enter your personal information below. Personal information (Optional) All information, including address and phone $ 30,000 Mary number, should match the applicant Job information Company Name / Source of Income Employment Status Date of Birth: Bernard Employed / W-2 Secure Payment Systems 01 1990 Jan customer1@gmail.com Employer Phone Enter only your 4 last SSN digits: (844) 430-1281 555-555-1234 XXX XX 6220 Worked here for 2 mos 5 yrs Billing Address (Optional) I agree to Terms and Conditions & YES Please select your Military Status: 123 Las Vegas Blvd I consent to Electronic Communications Non-Military Active Guard / Reserve / Active Reserve Duty / Dependent of an active duty Las Vegas service member Continue > Your Driver License information Driver License Number State of Issuance 89001 Nevada 123456789 Nevada I understand that by clicking on the ‘Continue’ button immediately SMS Verification Code following this notice, I am providing ‘written instructions’ to Secure Enter the 5 digit code we sent to your phone Ship to my billing address Payment Systems under the Fair Credit Reporting Act authorizing Secure Payment Systems to obtain Information from my personal credit profile 54321 Didn’t receive the message? Call me or other information from Credit bureaus. I authorize Secure Payment Continue > Systems to obtain such information solely to pre-qualify me for financing options. NEXT > www.securepaymentsystems.com | Las Vegas  San Diego  Denver  Tampa | 844.430.1281 3/1/2019 15

APPROVAL CRITERIA AND ACCEPTANCE PROCESS Online Decision Components Online Customer Acceptance Merchant Notification And Settlement  Credit Score  Customer Is Presented  Merchant Receives Immediate Finance Agreement Which Email Notification of the  Income Includes Detailed Payment Completed Sales Agreement  Employment Status Information  Details of the Sales Are Posted Real  ID Validation and Negative File  Customer Electronically Time in the Merchant Portal Databases Accepts Agreement and  The Purchase Price Is Settled to Makes Down Payment With a  Multi-Dimensional Risk and Merchant’s Bank Account In 3 Bank Issued Debit Card Fraud Prevention Tools Business Days  Upon Successful Payment the Finance Agreement Is Immediately Emailed to the Customer www.securepaymentsystems.com | Las Vegas  San Diego  Denver  Tampa | 844.430.1281 3/1/2019 16

APPROVAL AND OFFER SCREEN Consumer Presented with Payment Options Congratulations Mary! You are eligible for the following offer(s). Please select an offer to continue: $113.96 monthly in 12 payments More details $222.22 monthly in 6 payments More details $336.13 monthly in 4 payments More details www.securepaymentsystems.com | Las Vegas  San Diego  Denver  Tampa | 844.430.1281 3/1/2019 17

CUSTOMER SELECTS OFFER Congratulations Mary! You are eligible for the following offer(s). Please select an offer to continue: $113.96 monthly in 12 payments More details Type of Offer: Loan Purchase Price $1,200.00 Monthly Payment: $113.96 Down Payment Due Now: $113.96 Select This Offer > CUSTOMER ACCEPTS $222.22 monthly in 6 payments More details $336.13 monthly in 4 payments More details www.securepaymentsystems.com | Las Vegas  San Diego  Denver  Tampa | 844.430.1281 3/1/2019 18