Solution Overview
Value Proposition
• Replacing manual processes with
streamlined electronic work flow driven
processes.
• Provide Enterprise Mobile Business Suite “EMBS” for small, medium &
enterprise businesses
• Reducing time, costs, repetitive actions in duplicate entry
• Proven business model demonstrated through similar offerings
• Positioned for explosive growth
• Innovative provider of turnkey payment and mobile solutions for business & enterprise
• Provide Business Customers with a superior “Customer Experience for end user” • Optimizing payments to
increase business,
opportunities to create improved efficiency & additional profits
• Providing growth & new payment streams to
“Financial Organizations, Cellular Carriers, ISO’s, Businesses & Enterprise”
Integrated approach using Android tablets or smartphone. Provides small, medium & enterprise business with EMBS to deliver a superior customer experience:
• “Out of the Box Solution” for Small & Medium Business • Custom Business Solution for Enterprise
• Single entry from: Call Centre - customer entry – invoice - tax– payment – customer portal – reconciliation of funds received.
• Customer management, payment history with future CRM benefits • Invoicing with multi currency and product / service items
• Integrated tax tables with reconciliation for tax payments
• Cash Management of receivables with daily cash out of electronic payments, check, cash and customer credits
• Business – Enterprise customers provided with portal completed invoices, receipts and quotes “customer approves a quote to be invoiced by business” • Call Centre for Customer Care and Enhanced Offerings
• EMBS Certification PA-DSS (Payment Application Data Security Standard) Q1 2012
• PCI-DSS (Payment Card Industry Data Security Standard)
PIN Payment Solution “PPS” Framework
PPS Enterprise Mobile Business Suite “EMBS” supported through an extensive secure framework. PPS is currently working to connect EMBS platform to support acquiring for credit and debit in Canada, US and with future connections in Europe and other global markets. P ay m en t G at ew ay s Payment Application E n te rp ri se M o b ile B u si n es s S u it e “E M B S
” Business LayerWeb Services
Custom Interfaces Electronic Invoicing
& ERP Interface’s
P IN P ad (P IN E n tr y) EMV / CHIP MagneticStripe Contactless Custom Interfaces Transaction Gateway
Terminal and PED Management PPS Accounting and Management Solution Framework “ERP” Web Services Business Layer Merchant/Agent Profiles and Setup
User Role Management
A cq u ir in g a n d M er ch an t B u si n es s G at ew ay
Settlement, Fee’s & Reporting PPS Issuing Gateway Account Management and Authorization Acquiring Gateway to Visa MasterCard Interac or USB Portal – Administration & Reporting P P S P o rt al s PPS Administration ISO Management Merchant Management Customer Reporting Call Centre Customer Portal, ERP and Internal Business Applications Web Services Business Layer E n te rp ri se C u st o m er ’s
EMBS Version Control & Automated updates
Call Centre
PPS Call Centre Module Integrated to EMBS Tablet. Managed by PPS or Business or Enterprise. Enhanced customer support with notification management.
C al l C en tr e P o rt al o r S ec u re W eb S er vi ce Managed by PPS, Business or Enterprise Create/Edit Customer
Schedule Service Call – Time, Date Dispatch Call to Specific EMBS
User with Tablet
Sends Electronic Notifications to Customer. Email, SMS or IVR-VXML EM B S T ab le t
Tasks Managed by Date and Time Create Initial Quote for Customer
Update Work to be Completed Schedule Optional Follow-up Call
Customer to Agree on Work Completed and Sign Work Order
Process Initial Payment as a Deposit or as a Payment in Full Setup Reoccurring Payment for
Monthly Payments E n d C u st o m er P o rt al
Quotes for Customer Approval Invoices and Receipts Statements with Balance Owing Notification’s and Customer Care
Enhanced Business Solutions
Create Invoices
Customers Process Payments
Invoice creation is simple & quick with custom
product & service items. Support for multiple tax types & currency. Invoice emailed direct to
customer are a few of the features.
Customer details with add & edit of customer details, history of all financial transactions with ability to support customer location using Google Maps. Payment processing supporting “POS Merchant Services” with a secure terminal connecting to smart device. Cash Management
Getting paid is fully managed. Track
payments from credit cards, checks, cash and fully managed accounts receivables.
Existing Market Solutions
PPS offering a diverse platform that has been modeled from similar
highly successful market offerings.
• Squareup.com offers a swipe card reader for smart devices to process a credit card payment. Sold through Verizon, Best Buy, Wal-Mart & other Big Box. Growing Daily with over 1 million users processing over 2 billion
annually at a merchant discount rate of 2.75% of November 2011 .
• Freshbooks.com web based invoicing and expense management supporting multi currency and ecommerce payments. Based in Toronto with over 3.5 million users at November 2011. Over a million users added in the last 9 months. Average monthly fee from $20 - $40.
• Xero.com web based accounting solution based in New Zealand with over 55,000 users October 2011. Monthly fee from $20 – $40 per month.
• Wave Accounting Solution wed based accounting solution based in Toronto that provides a comprehensive solution and invoicing for no charge to
PIN Payment Solutions Inc. based in Toronto Canada, developer and provider of payment systems solutions enabling customers through 20 plus contracted
professionals with extensive experience in business and product development, security, payments, application development and mobile applications.
Background in providing innovative solutions through its founder Ian McNeill that have had successful pilots with:
• Partnership with RBC as a 25% equity holder with a 4 million dollar investment with Pay Linx corporation that was a TSX venture company. The partnership with RBC proved to be a invaluable learning experience touching 70 top payment professionals within RBC.
• Government of Alberta for issuance and authorization of payment cards for check replacement for Social Assistance and
• Health Spending Accounts pilot concept with Great West Life Canada’s largest Insurance Company.
• Formed innovative partnership with Axcess Canada to conn payment processing and Financial Product Management solutions together.
