PAYWARE MOBILE e105. Service Toolkit. Mobile payment acceptance anywhere, anytime, with anyone

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1 PAYWARE MOBILE e105 Service Toolkit Mobile payment acceptance anywhere, anytime, with anyone

2 MOBILE POINT OF SALE SIMPLICITY INSPIRED BY AFRICAN DIVERSITY AND APPLIED WITH FLAIR

3 PAYWARE MOBILE e105 Transform any smartphone or tablet into a mobile point of sale device by connecting an e105. A customisable application, tailored to meet individual business needs, enables the acceptance of all debit and credit card transactions.

4 WHAT IS PAYWARE MOBILE e105? VeriFone s PAYware Mobile e105 brings cashless transactions to diverse communities in a cost effective, efficient and transparent manner. Never before has an opportunity existed to enable merchants of all sizes and from all walks of life to participate in the formal economy, and harness the power of electronic payment. Our managed service offering enables any service provider to offer this exciting service to their own customers, without having to invest in costly back-end host systems. The e105 connects to smartphones and tablets to provide a secure and mobile transaction tool that enables business owners to accept debit and credit card payments instantly. By simply inserting or swiping a card, the mobile device is transformed into a mobile point of sale device. Africa is the fastest growing mobile market in the world, with an average annual growth rate of 44% since (1) As the proliferation on mobile devices continues, an opportunity exists to harness this technology to enable a truly cashless merchant environment with minimal capital outlay and a more efficient mechanism to manage the merchant as their needs evolve. The e105 is positioned to address this need and enable VeriFone customers to embrace this opportunity. The offering is guaranteed to change the point of sale landscape to offer solutions that are available to anyone, anywhere and at any time.

5 The e105 brings electronic payment acceptance to new markets in an innovative and unique way. Reduce the risk and cost of cash handling and minimise fraud through electronic payments.

6 HOW DOES PAYWARE MOBILE e105 WORK? A secure, EMV-enabled mobile payment system that allows small merchants to use a smartphone or tablet for payment acceptance, the e105 connects directly through the audio jack. PAYware Mobile e105 is modular which means it can also be connected to the smart device via a cable to facilitate payment in an environment where the merchant may not want to hand over their mobile phone or tablet. The e105 provides multi-platform support across all smart devices, whether Android or ios, it is truly form factor agnostic. The device is available as a standalone product, can be integrated into a merchant s own environment or white labelled for reselling purposes. Having a unique understanding of the requirements of the African environment, VeriFone has also packaged the e105 to fit into custom-built enclosures. Whether deployment is kiosk based or will be used in a ruggedized environment, VeriFone will provide custommade hardware that fits your need. Plug into your business, not just your phone

7 ABOUT THE DEVICE PAYware Mobile e105 is a complete solution: Secure EMV chip & PIN and mag-stripe reader Follows operating principles for mobile acceptance solutions defined by global card brands and regulatory bodies Leverages VeriFone s gateway infrastructure for exceptional management tools Offers multi-platform support across a full range of smartphones and tablets, including ios, Android and Windows operating systems Features tethered hand-over option for added convenience Provided as a managed service ENHANCED EFFICIENCY, LOWER COSTS Increases efficiency and reduces operating costs Eliminates manual entry errors Adjustable, two-position connector ensures a snug fit with any supported smart device SECURITY IS TOP OF MIND Fully encrypted card reader ensures that sensitive cardholder data never enters the smart device Significantly reduces the merchant s risk of liability from fraud PCI 3.X approved/sred Software/Security EMV Level 1 and Level 2 Encryption within TRSM Mobile OS: ios, Android and Windows Physical dimensions 61.5 x mm (WxL) Certification EMV Level 1 and Level 2 PCI PTS 3.X, SRED DEVICE PROPERTIES Hardware Smart Card: 100K insertion Bidirectional mag-stripe (track 1 and 2) 13-key, touch tactically discernible PIN pad LEDs for user interaction Connectivity 3.5mm audio jack Micro USB Battery Rechargeable battery Up to 100 transactions per charge Mechanical Adjustable audio jack position Optional extension cable for handover operation Operating System IOS version x.. Android version xx.xx Environment/Durability Operating temperature: 32 to 95 F (0 to 35 C) Non-operating temperature: -4 to 113 F (-20 to 45 C) Relative humidity: 5%-95%, non-condensing XXX ios Android Audio Jack Mag-stripe PIN pad Encryption

8 SOLUTION COMPONENTS PAYware Mobile e105 has four basic solution components, provided as a single managed service: 1. HARDWARE DEVICE 2. DEVICE SOFTWARE We will develop an application on your behalf or we will provide an API for you to integrate into. We will manage the certification process at the acquiring bank to ensure that the application meets globally defined card brand requirements. We will provide interface support to customise skins suited to customer requisites. 3. ESTATE MANAGEMENT VeriFone provides a centrally managed hosted environment to oversee the e105 estate, both from a transaction routing perspective and to handle security or compliance requirements that may change from time to time. This involves: pro-active estate management firmware upgrades to e105 hardware interface with Apple App or Android stores for estate application updates merchant reporting and management tools 4. MANAGED ENVIRONMENT Our managed environment handles the routing of financial transactions to relevant banks and allows for third party applications to connect through us to their host environment. The VeriFone estate management environment provides easy, scalable access to points of presence in the market and allows pro-active data management.

9 THE MANAGED ENVIRONMENT VERIFONE S ESTATE MANAGEMENT ENVIRONMENT Merchant Registration Registered Merchant Registration Merchant Settlement & Transaction Recon Merchant Registration Field Support e105 Software Parameters Transaction Pre Auth Recon Software/Parameter Management Business Rule Processor Settlement Zone Transactions Transactions VeriFone e105 VeriFone Africa Merchant Registration Transaction Switch Bank Merchant Zone Bank Zone

10 Plug into your business, not just your phone

11 YOU RE SUPPORTED EVERY STEP OF THE WAY Realise the full-scale benefits of partnering with us locally through our managed services aimed at taking business one step further with support, security, compliance, technological and other mission critical services. At the heart of our business is a refined five-tiered approach to product and service delivery that ensures a balance is achieved between your point of sale system requirements and guaranteed on-going support. In providing comprehensive serviced payment systems, from supply, installation and development through to on-call support, maintenance and field service, VeriFone Africa truly partners with you. DEDICATED TEAMS OF HARDWARE MAINTENANCE TECHNICIANS TECHNICAL CALL CENTRE FIELD SUPPORT FOR DEPLOYED ESTATES WITH REMOTE MANAGEMENT WORLD LEADING, INTEROPERABLE PAYMENT TECHNOLOGY SYSTEMS SPECIALIST PAYMENT DEVELOPMENT TEAMS

12 GOING ONE STEP FURTHER MERCHANT ON-BOARDING VeriFone will assess the requirements for merchant on-boarding, assisting all stakeholders to: verify the correct details of the merchant identify the acquirer initiate and assist with passing relevant vetting data to credit / financial institutions manage account activity statuses create appropriate associations between client handset, e105 and the bank identifier DISTRIBUTION Allows devices to be sold within a retail environment VeriFone will configure the right device to the right acquirer post purchase Depending on the relationship with the acquiring bank, VeriFone can provide a solution that will support same day activation. SUPPORT Call centre support is provided by our team of skilled technical staff who handle support queries and fault reporting, comprising a fully integrated call logging system managed by up to 25 support, admin desk and on-call technical staff active countrywide. Field support is available in South Africa on an ad hoc basis through VeriFone s team deployed across the country. With a fleet in excess of 60 vehicles, technicians are dispatched from regional provincial offices in the Cape, Kwa-Zulu Natal and Johannesburg while the remaining provinces are serviced via satellite offices.

13 WHO WOULD BENEFIT FROM USING PAYWARE MOBILE e105? Retailers from Cape Town to Cairo and Lagos to Nairobi have one thing in common - they are the embodiment of African diversity. This diversity requires service providers to be flexible and nimble in their approach to providing solutions that are scalable, cost effective and applicable to the merchant s business and that meet their unique needs. The e105 has been positioned to cater to this diversity in a number of innovative ways. HOW PAYWARE MOBILE e105 CAN HELP SEASONAL MERCHANTS Africa is fast becoming a premier tourist destination, during the peak holiday season a range of merchants servicing this sector are hard-pressed to deliver top-class service and manage their businesses. Bed & Breakfasts could benefit from the e105 mobile merchant solution during their busy times, allowing them to take payments across all areas in the business and not just at reception. The seasonal nature of this industry could well mean that B&Bs may find the costs associated with a traditional point of sale device prohibitively expensive during off seasons. Resorts and event outlets, such as elephant sanctuaries and treetop abseiling groups, will benefit from using this solution by offering mobile checkout facilities across resort activities. The e105 is ideally suited for ticketing and kiosk applications at sports stadiums to quickly reduce queues and assist with remote scanning.

14 HOW DOES PAYWARE MOBILE e105 HELP SMALL, MEDIUM & MICRO ENTERPRISES Small, medium and micro mobile businesses, such as the electrician, plumber or locksmith who visit residential homes to fix a geyser, electrical fault or help you to gain access to your home when you re locked out, are now be able to accept card payments on your doorstep. General merchants can take advantage of the POS lite solution for instances where the costs associated with a traditional point of sale device may be prohibitively expensive or unwarranted based on low card-based transaction processing needs. The professional services sector and medical fraternity in particular are empowered to offer their services and take payment anywhere, anytime. HOW PAYWARE MOBILE e105 CAN HELP TRADITIONAL MERCHANTS Many traditional merchants already using POS devices could benefit from being able to offer mobile card acceptance as follows: Restaurants, in providing check-out for patrons at the table Take away and delivery/collection based fast food outlets where meals are collected at a drive-through or delivered to the customer s door. Rural merchants would have a great backup device for their desktop POS Kiosks will enable self-checkout facilities Where payment of goods occurs when the goods are delivered Removing cash from risky POS environments

15 NEXT STEPS OUR FULFILLMENT PROMISE... Through VeriFone s payment integration partnership we are committed to collaborate with content or service partners where we can add value to the customer value proposition from a partner perspective. VeriFone will integrate into third party environments Customise hardware to suited solutions Supply distribution capabilities catered to your needs Shared risk commercial models can be explored CONTACT US VeriFone Africa (Pty) Ltd. 1st Floor, Block F Hurlingham Office Park Woodlands Ave Hurlingham Manor Johannesburg South Africa Tel: +27 (0) Fax: +27 (0) [email protected] FOOTNOTES: (1) The GSM Association

16 VeriFone, Inc. All rights reserved. VeriFone, the VeriFone logo and Intelligent Checkout are either trademarks or registered trademarks of VeriFone in the United States and/or other countries. All other trademarks or brand names are the properties of their respective holders. Reproduction or posting of this document without prior VeriFone approval is prohibited. VF SA Toolkit 08/13 V0.1