Merchants

paygenius

  • Less Expensive, Branded Payments
  • Digital Wallets
  • Loyalty Platform to Drive Usage
  • Safe and Easy to Deploy
  • Data and Analytics
  • 1.2m Registered Customers

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BIG COMPANIES ARE CREATING BRANDED PAYMENTS TO:

  • Retain customers, build brands and grow traffic through loyalty programs
  • Save on transaction costs: Reduce credit card fees & bank charges
  • Capture data to improve purchase experiences.

Creating brand-owned payments is a challenge for companies due to ongoing cost, compliance, licenses and security.

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PayGenius CREATES AND MANAGES BRANDED PAYMENTS FOR MERCHANTS

PayGenius is a white label, closed loop platform that allows merchants to offer their own branded, safe digital payments.

  • Independent from (and less expensive than) legacy payment infrastructure (credit cards).
  • Established Fintech platform with ~ 1.2M registered users.

BRANDED PAYMENT
Brandable by Merchant
Reduce Expense
Expense *

2.7%-3.49%

  • Contactless = 2.6% + $.10 per transaction
  • Card on File = 3.5% + $.15 per transaction
* https://www.paypal.com/us/webapps/mpp/merchant-fees
https://squareup.com/help/us/en/article/6109-fees-and-payments-faqs

2.24%-7.4%

  • Processing fees = 1.3 - 3.5%
  • Interchange fees = 1.5% - 3.3%
  • Payment processing fees = .3 - .5%
  • Assessment fees = .14% Avg
https://www.fool.com/the-ascent/research/average-credit-card-processing-fees-costs-america/

1.5%-2%

PayGenius LOYALTY DRIVES USAGE OF YOUR PAYMENT

Improve CUSTOMER LOYALTY and DRIVE USAGE OF YOUR BRANDED PAYMENT through the PayGenius loyalty platform.

  • 1.5m+ Places to Save (Local and National Outlets)
  • 1.27m Travel Providers (Hotels, Car Rental, Airfare, etc)
  • 200k Retailers (Services, Auto, Home &Garden, etc)
  • 64k Restaurants (Local Restaurants and National Chains)
  • 50K Play (Movies, Golf, Ski, etc)
  • And More…

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OR PayGenius CAN INTEGRATE YOUR PAYMENT INTO YOUR OWN LOYALTY PROGRAM

Most loyalty programs require customers to use expensive credit cards to make purchases. By using your own branded payment with your loyalty program, you save money. Savings realized can:

  • Be invested in more robust loyalty offerings
  • Grow awareness and usage of your payment

NEW USER REGISTRATION

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SHOP AND PURCHASE ITEMS

Users shop and select items to purchase.

MERCHANT CHECKOUT

Users are given traditional payments as well as a branded payment option. PayGenius keeps users on your site.

REGISTER

New users register by entering their phone number and linking their bank account.

EXISTING USERS

PURCHASE ITEMS

Customers shop normally and select “Your Pay” as an option to earn loyalty points.

LOGIN

Customers login to their account.

MANAGE ACCOUNT

Customers can fund their payments, track purchases and redeem loyalty.

EASY TO DEPLOY

  • ~ 2 Weeks on average to launch a branded payment.
  • Low touch integration.
  • No integration required for PayGenius loyalty platform.
  • Automated onboarding.
  • Popup window for checkout.
  • More advanced options available.

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DATA AND ANALYTICS

Utilize our aggregated, anonymized data from our database to identify purchase trends and market to new customers.

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BRANDING

Your own payment allows you to keep customers engaged with your platform, build brand equity and:

  • Increase awareness amongst competitors.
  • Improve customer loyalty.
  • Spread word of mouth marketing.
  • Help with price sensitivity.
  • Improve employee loyalty and recruiting.

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Tech-Stack

TECH STACK

  • Secure, closed loop platform
  • 46 Money Transmitter Licenses (working on remaining states)
  • Decoupled from traditional, expensive credit card networks
  • Quick and effective (24/7 transaction processing)
  • Turnkey
  • Complies with federal and state regulators
  • Proven at scale (1.2 m registered users, processed over $20m to date)
  • Since we own the platform, we are not dependent on third party providers

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