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1 Flexible and secure payment solution acceo tender retail payment solution tender-retail.acceo.com

2 Take control of your payment transactions ACCEO Tender Retail is a specialized middleware that handles all aspects related to electronic payment transactions including the critical communication interface between the point of sale and the transaction processor while giving merchants the power to choose the most cost-effective payment processors. If you accept electronic tender, ACCEO Tender Retail can help you lower your costs and increase customer satisfaction, while reducing the risk of customer data breaches. Time-tested, scalable and exceedingly flexible, Tender Retail s flagship application is the culmination of over 20 years of dedication to payment processing software. Stable, secure and almost infinitely adaptable, ACCEO Tender Retail is the middleware solution of choice for thousands of mid- and highvolume retailers in every vertical across North America.

3 Flexible and acquirer-agnostic Because every merchant is unique, ACCEO Tender Retail is developed from the ground up to integrate seamlessly into any retail infrastructure, regardless of volume or legacy systems. It is designed with the knowledge that every infrastructure is different and ease of integration is paramount, and it is fully load-tested to meet the most rigorous requirements of any major national retailer. ACCEO Tender Retail supports all major card types, and allows the retailer to select the payment processor of its choice. ACCEO Tender Retail can handle all aspects of the transaction process: PIN pad interaction, communications protocol, bank specific message processing and receipt formatting. It can even support instant online credit applications, dynamic currency conversion and e-commerce payments. What s more, ACCEO Tender Retail is designed for today and tomorrow. As banks change, as processors evolve, as new payment methods are introduced, ACCEO Tender Retail will remain at the forefront easily adaptable, exceptionally reliable and dedicated to empowering merchants.

4 ACCEO Tender Retail adapts to your business Features Certified with North American financial institutions PCI PA-DSS certified and fully compliant with all PCI DSS requirements Handles all communication for a wide range of certified PIN pads and RFID devices Capable of processing PIN Debit, EMV chip card, all types of credit cards and private label cards including gift cards, loyalty cards and phone cards Minimum system requirements Current Windows or Linux operating system Pentium 4 processor or higher 2 GB RAM 160 GB hard disk space LAN adapter EMV certified Key benefits Ability to select and change your payment processor allows you to take advantage of the most appealing offerings without impacting your ; you can take advantage of the lowest transaction processing fees. Limitless flexibility and scalability means you are in control of your own future when it comes to implementing new programs like gift or loyalty cards or wireless transactions. Allows for simplified monitoring and advanced remote management, while instant online log files and alert management allow for preemptive client support. Allows simple configuration of information specific to each station and new terminals can be added and activated while the server is still running. ACCEO Tender Retail Manager The ideal complementary solution to ACCEO Tender Retail to help with remote management and data investigation.

5 Since our inception, ACCEO Tender Retail solution has evolved to help numerous businesses optimize their payment systems, including parking, reservation systems, transportation, general and speciality retail, public services, recreation, travel, entertainment, and hospitality. ACCEO Tender Retail clients include, but are not limited to, high-volume merchants, groceries, pharmacies, governments, restaurants, and self-serve kiosk operators. Security PCI compliance ACCEO Solutions is proud to have payment solutions compliant with all Payment Card Industry (PCI) merchant and software developer requirements. Our ACCEO Tender Retail solution currently surpasses the association s strict Payment Application Data Security Standard (PCI PA- DSS) and we are committed to the continuous improvement necessary to meet PCI s rigorous, ongoing auditing process. ACCEO Tender Retail was designed to help you comply with the Payment Card Industry Data Security Standard (PCI DSS). Point-to-point encryption ACCEO Tender Retail supports many point-to-point encryption (P2PE) and end-to-end encryption (E2EE)solutions in order to protect the cardholder data from the entry point to the acquirer s secure decryption system. Card data is encrypted as the card is swiped, tapped or inserted, and thus does not enter the merchant s system. Tokenization In order to offer a superior customer service, you sometimes need to store some cardholder information. Because PCI standards require that cardholder data be secured when stored in payments systems, you need a solution that supports tokenization. By running with solutions that remove cardholder information and replace it with a random value, or token, ACCEO Tender Retail ensures that no sensitive data is stored at the merchant s level.

6 ACCEO Tender Retail Centralized (SERVER BASED) NETWORK CREDIT CARD NETWORK ACQUIRER DEBIT CARD GIFT CARD LOYALTY PROGRAM ACCEO TENDER RETAIL PHONE CARD ACCEO Tender Retail Decentralized ACCEO TENDER RETAIL ACCEO TENDER RETAIL ACCEO TENDER RETAIL ACCEO TENDER RETAIL NETWORK CREDIT CARD ACQUIRER DEBIT CARD GIFT CARD LOYALTY PROGRAM PHONE CARD S

7 ACCEO Tender Retail Enhancements ACCEO Solutions is dedicated to continuously providing the industry standard in functionality with ACCEO Tender Retail enhancements. Whether it s pay-at-thetable, kiosks, mobile transactions or payment via a simple wave of a credit card in front of a reader, ACCEO Tender Retail allows forward-thinking retailers the flexibility to maximize these cutting-edge opportunities in their own unique ways. EMV Chip Cards The adoption of chip-embedded credit and debit cards over traditional magnetic stripe cards opens up a whole new world of security and convenience benefits for merchants and consumers alike. However, complete compliance with the stringent requirements needed for EMV accreditation can provide a hurdle for many merchants. ACCEO Tender Retail s EMV enhancement available as an easily integrated option for ACCEO Tender Retail takes care of all that. Fully EMV certified with all the major processors, the EMV enhancement is essential for merchants looking for a fast, affordable and complete launch to the next level of fraud prevention and customer satisfaction. Regardless of volume or infrastructure, every merchant can realize the benefits of ACCEO Tender Retail s EMV integration: Increased fraud protection Reduced liability for chargebacks Greater operational efficiency no more receipts or receipt storage to verify signatures Global compatibility essential for any merchant visited by international tourists Secure transactions at offline or unattended locations Allows the use of wireless terminals

8 Contactless Payment Merchants looking to build their brand image, increase ticket size and drive throughput can provide their customers with the possibility to tap or wave their card at a reader and speed through the payment process. ACCEO Tender Retail s contactless payment enhancement is the simple, cost-effective way to realize these benefits without the expense of major system upgrades. Specifically designed to handle the demands of highvolume locations with frequent low-ticket transactions, contactless payment is a simple add-on to ACCEO Tender Retail that utilizes an RFID-driven reader to handle contactless transactions while still operating on an existing magnetic stripe infrastructure. Contactless is perfectly suited to high-volume service and retail environments. More benefits for merchants Customers retain their card: Say goodbye to time-consuming magnetic stripe card transactions. Queues disappear: No more fishing for change, fumbling for signatures or waiting for PIN entry. Loyalty increases: Enhance your image while providing cutting-edge convenience and service. Built-in security: Contactless cards use a dynamic data authentication process that instantly validates acceptability. Plus, less cardhandling means less opportunity for skimming and identity theft.

9 Mobile Payment Mobile Because some customers would rather leave a store than wait in line to pay for their purchases, the line busting approach is an interesting solution for retailers looking to retain those clients while offering superior customer service. By having your salespeople walk around the store with a mobile point of sale that includes a handheld checkout device, you can minimize the waiting lines while mitigating the risk of seeing your customers having second thoughts before purchasing items. Whether your salespeople are equipped with smartphones or tablets, and whether these devices are equipped with card readers or docking stations, ACCEO Tender Retail will integrate smoothly into your mobile, while keeping transactional data as secure as regular point of sales do. Smartphone contactless payment The mobile market shows no signs of slowing down, as billions of people around the world own a smartphone. We find more and more uses for them, and a lot of smartphone owners can t even leave the house without them. It has even been proven that you are more likely to forget your wallet at home than your mobile phone. In light of this, it seems obvious that contactless payment with smartphones will become increasingly popular. Payment systems equipped with ACCEO Tender Retail can carry-out smartphone transactions in a seamless and secure way. Our ACCEO Tender Retail solution is compatible with various mobile payment applications, including Apple Pay. Customers with NFC-enabled smartphones can register their card information in a mobile payment app. At checkout, they simply have to tap their phones on the payment terminal or wave it in front of the device. Stored value and loyalty cards A series of components can be added to ACCEO Tender Retail that give merchants the opportunity to provide their customers with a variety of stored value offerings, such as gift cards, and loyalty programs without investing significant time and money in modifying existing systems. These components are fully integrated within ACCEO Tender Retail one platform manages all card transactions meaning no standalone hardware and easy reconciliation of purchases, redemptions and promotions across multiple stored value and loyalty programs. Our stored value and loyalty cards enhancement incorporates the same renowned flexibility that has made every ACCEO Tender Retail application the industry standard. We ve partnered with the leading providers to develop a one-stop solution that gives merchants the freedom to instantly switch to the provider that best suits their needs at any given time. Minimize expenditures and maximize customer relationships all with a few mouse clicks.

10 How to contact us Head office 2 Lansing Square, Suite 400 Toronto, ON,M2J 4P8 Canada Phone: Fax: North American sales Production support acceo tender retail payment solution If your business deals with electronic payments, opt for a payment solution that will keep you ahead of the competition. Find out more about ACCEO Solutions products and services today! tender-retail.acceo.com Printed in Canada 1601

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