Omnichannel Payments

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1 Omnichannel Payments

2 The Connected Consumer The way consumers buy goods and services is changing profoundly We now exist in a truly global, connected and digital world. A world of choice that lets us purchase however and whenever we want. As consumers, we can choose to interact with brands online, offline or simultaneously with a combination of the two. Those brands may be local businesses, or on the other side of the world. Either way, we expect brands to provide us with simplified and joined up experiences, with products and services provided as and when they are needed. We are becoming more and more astute, with online reviews, showrooming, price comparison websites and social media all providing us with a proliferation of digital information to make more informed choices. When we buy, particularly using digital and mobile channels, we increasingly seek easier buying experiences. But, at the same time we are also careful consumers. Careful about the brands we build relationships with and careful about the data we share with them. By the very nature of sharing our payment and contact details with a business, we are entering into a relationship of trust. If our payments data is breached in a high-profile security hack or our contact details abused by irrelevant, over-aggressive marketing, then the relationship collapses.

3 Seizing the Opportunity Ultimately, this changing environment presents both challenges and opportunities for businesses today Against this backdrop of rising consumer expectations, delivering better customer experiences is critical. By understanding key customer journeys across all channels, you can deliver a more coherent and seamless service. Many businesses are also seeking growth through expanding their geographical reach and entering new markets. With this in mind, it is important to tailor the payment choices and the added value services you offer to the consumers you are serving. In our view, leveraging insight from your payment data, regardless of the point of interaction, through a single payment platform should be a goal for today s businesses. Ultimately, businesses must carefully balance the consumer expectations around convenience, with the need to ensure payments are secure. Of course, as well as achieving growth and better customer experiences, it is critical for businesses to look at ways to reduce the overall cost of their payment processing. Outsourcing and simplifying your business s payments processes can provide significant opportunities to reduce costs. At the same time, it remains imperative that all your customers card and payment details are processed and stored securely and in accordance with increasingly complicated regulatory and PCI compliance requirements. This is a complex and costly exercise for any business, especially if you are operating across multiple channels and markets. Finally, at a time when the market is innovating rapidly, any payment solution you invest in has to be able to support your business needs now and in the future, by offering both choice and flexibility.

4 Key Payment Drivers Rewards & Value Adds Managed Service % Driving customer interactions Our experience of working with many of Europe s biggest brands gives us a unique insight into today s marketplace and tomorrow s trends. These trends inform our strategy, which in turn drives our roadmap. We have identified eight key focus areas: Digital Wallets Mobile POS Customer interactions Security & Compliance Contactless & NFC Omnichannel International Security and compliance Security is an intrinsic part of the payment process. Being vulnerable to a data breach poses very real commercial risks to your brand, both in terms of fines and customer abandonment. Our solutions remove card data from all your channels, from the latest PCI validated Point to Point Encryption software in-store to hosted Paypages online. This ensures your card data is secure, which protects your brand and saves you money, by reducing the burden of PCI DSS compliance. Omnichannel Your consumers could be browsing in-store, researching online and completing payment via their mobile. Understanding how your customers interact across all your channels is critical to delivering a consistent experience to your customers. Our omnichannel payment platform provides this insight through tokenisation, which also ensures fast and convenient commerce. International Consumers could be entering your online store from anywhere in the world. Accepting their preferred, local payment methods, language and currency will help you tailor your checkout experience and convert more sales. As does offering international spenders in the UK a range of value added services, such as tax-free shopping and dynamic currency conversion. Contactless and NFC The growth of contactless payments is accelerating in many environments, as consumers expect to be able to pay quickly. We support the latest contactless technologies across all the major schemes, including both low and high value contactless on a range of devices, from cards to mobile phones. % Mobile POS Enabling your customers to beat the queues, mobile devices can also help in-store staff to provide a better customer service, by allowing them to have information at their fingertips. By liberating your tablet-enabled sales staff from the cash desk, you have the opportunity to reconnect with customers in a whole host of ways. We provide a flexible range of mobile POS implementations and advise on the best model for your customers and your business. Managed Service Payments is a complex business undergoing profound changes, driven by technology, regulation and consumer expectations. Outsourcing to a single managed service provider like The Logic Group can offer long-term savings by optimising your payment processing. We invest heavily in our services, infrastructure and people. This enables us to deliver a best-in-class managed service that allows you to focus on your core business priorities. Rewards and Value Adds The connected consumer is becoming used to instant gratification before, during and after engaging with their brand of choice. In a highly competitive market, incentives and offers are constant. Whether it s a mobile stamp card or a targeted coupon at till to a non-loyalty scheme member, we deliver services that allow you to offer more personalised and relevant communications, that leverage insights from your payments data, to drive further customer engagement. Digital Wallets Digital wallets enable consumers to carry virtual payments and loyalty cards on any mobile device. This technology can make paying more convenient and more rewarding for the consumer. Whether it s integration with PayPal, MasterPass or V.me, we are at the forefront of helping our clients harness new technologies to deliver even more convenience, security and rewards to their customers.

5 Our Omnichannel Payment Solution The Logic Group s payment solutions ensures that whenever and however customers want to pay, it is always secure, always convenient and always rewarding. We provide secure, innovative services that deliver the convenience and ease of use expected by today s consumer. The Logic Group offers a single payment platform across all channels that delivers exceptional customer experience. It facilitates a wide choice of payment options, addressing both the needs of the consumer and the challenges faced by retailers. Our PCI compliant platform is built to manage all of your customer interactions across your multiple channels. With many of Europe s leading brands as our clients, our omnichannel solutions process three billion transactions per annum and help businesses process all types of transactions quickly and reliably, while always ensuring data is managed securely. Our service comes built-in with value-added services that you can take advantage of easily, through a single integration, including cross-channel tokenisation, mobile wallets, estate management, real-time fraud checking, loyalty and much more. Our service is built to be flexible. We can provide a tailored solution based on the choices that large businesses demand. Choice of the latest PIN pads, acquirer connections, payments types, currencies and added value services we will work with you to configure your unique payment solution. Our Managed Payment Service In-store We enable brands to accept all types of payment and loyalty interactions through cards, mobile and wearable devices. Our software operates on a wide choice of fixed and mobile payment devices. Online and Call Centre We support the flexibility demanded by the modern consumer. We are able to quickly and securely process your payments online, over the phone and on mobile with one click and optimised checkout experiences. Mobile We help brands to join the connected and digital world by enabling simple mobile payment and loyalty experiences via mobile devices. Supporting All Channels Choice of PEDs/MPOS devices P2PE validated solutions Tap to pay/scan to pay Low/high value contactless Automated offline processing Integrated with leading EPOS providers Hosted payment page 3D Secure Real-time fraud validation Alternative payments/wallets One click payments Click and collect Integrated to leading ecommerce providers Hosted payment page iframe CSS styling Call masking solutions (DTMF) Integration using tokens Mobile-optimised payment page MPOS solutions Mobile loyalty programmes In-app payments Location based services Stored card support Single point of interaction Solve Centurion Platform Authorisation & settlement Encryption & tokenisation Data & insights Estate management Fraud checking Loyalty & value add services PCI Compliant 3 rd Party Connections Acquirers Card schemes Alternative payments Fraud providers Dynamic currency conversion Tax free shopping Mobile platforms Gift and pre-paid providers Benefits Fast, secure and reliable processing platform 24/7 service Globally load balanced platform Dual data centres Service oriented architecture Tailored test services Protect your payment data PCI DSS Level 1 compliant P2PE validated solutions Tokenisation solution Simplifying business processes Single reporting suite Estate management Proactive service management Choice of acquiring connections to optimise costs Delivery of excellent customer experience One-click powered by tokenisation Account updater services Support checkout conversion analysis Targeted offers and coupons Maximise payment choice Debit, credit, purchasing, gift cards, store cards All major schemes Visa, MasterCard, Amex, Diners, Discover, JCB, Union Pay* Alternative payments Support own brand wallets Protecting your business against fraud Velocity checking Real-time bespoke fraud checking White lists Tailored services for the global consumer Multicurrency Multilingual Alternative payments Dynamic currency conversion *2015

6 An Expert Team to Support You Our Managed Payments Service is designed to deliver a world class omnichannel payment solution for your business. Our technology is backed by the best team in the business from our payments consultants who can help tailor the platform to meet your specific requirements, to our support and dedicated service management teams. Our proven track record with many of Europe's largest businesses, means you can trust The Logic Group to deliver leading omnichannel implementations. With The Logic Group, you can stay focused on what you do best, while we get on with delivering your customer payment solution. About The Logic Group The Logic Group sees a future where everything comes together. A future where every customer interaction paves the way for opportunity. We believe payments, loyalty and insights can work together to deliver outstanding results. Our payments solutions ensure that whenever and however your customers want to pay, it is always secure, always convenient and always rewarding. Our loyalty services, whether they are member-based programmes or the latest mobile promotions, can help you attract and inspire new and existing customers. Both your payments and loyalty data give you insights, which sit at the heart of our vision. These insights allow you to understand your customers, enabling you to have a more focused and relevant dialogue. Contact us to discuss your omnichannel payments requirements The Logic Group Enterprises Limited Logic House Waterfront Business Park Fleet, Hampshire GU51 3SB United Kingdom phone +44 (0) fax +44 (0) visit Registered in England, Number The Logic Group

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