Bill Payment & Cellular Phone Service Providers. The Wave Of The Future For Merchant Retailers.

Business Owners!makes it critical for retailers to carry airtime for all of
Increase Profits and Attract New Businessthe popular national and regional prepaid wireless
Were you aware that there are literally millions of UScarriers or operators in their area, something that
households that do not have a checking account.retailers didn't have to worry about with phone cards.
Millions of these households need your businesses toToday there is an average of six major carriers or
use this highly needed conveniently way to pay all ofoperators offering prepaid wireless in each of the top
their monthly bills!. How many of these customers are20 U.S. markets. Trying to inventory product for all six
yours? Now you can offer them an option...Billcould mean that prepaid wireless alone could account
Payments & Cellular Services.for as much as 25 percent of a conveience stores
Options to pay any bill, to any biller, in any fashion. Atotal in-store inventory costs. Many retailers simple
nationwide network Bill Payment Services.cannot afford the cash outlay required to successfully
Start generating revenue by offering your customerssell prepaid wireless services.
a service that "closes the loop" on Electronic BillRetailer trying to minimize inventory costs often create
Payment & Cellular Phone Service.out-of-stock problems. In general, stock outages cost
Convenience, Saves Time and Saves Money Forthe average retailer 6% of its sales, resulting in loss of
Your Customersbillions of dollars every year and high customer
Millions of Americans adults don't have a checkingdissatisfaction.
account, 25%-35% of all bills are paid by walk-inTo make thing worse, today's airtime hard cards, also
customers. You can make it easy for your customersknow as vouchers, scratch cards, replenishment cards,
to pay their bills, people who have limited transportation,recharge cards, and hanging cards, increase the
prefer paying in cash, want to make late payment,likelihood of fraud. The biggest problem seems to be at
don't trust the mail or want a receipt by Bill Paymentthe point of sale where easily concealed, high-value
Service, a Federally established owned service.airtime cards can be the target of both retail
There is no longer a need for customers to purchasecustomers and employees alike. To prevent
money orders, then mail, or go to each biller location,comsumer theft, retailers often put cards under lock
customer bill payments is processed electronically inand key but still suffer losses due to employee
your place of business, no money orders, no stamps,pilferage. In the conveience store industry, it is believed
no envelopes, no gas expense, with no loss time takenthat as much as 80 percent of the store's shrinkage is
off from work.attributable to employees. Retail employess often feel
The Pay All Bill Payment Service will provide aunderpaid and rationalize theft as a way to make up
competitive advantage for all types of businesses. Thefor what they're owed. As prepaid wireless airtime
Bill Payment Services will attract new customers, alongcards often range in denominations from $10 to $150,
with establishing repeat customers for your business,employees can easily conceal thousands of dollars of
plus customers will purchase other goods and servicesproduct in their pockets or purses. Cards are also
while visiting your place to pay all of there household billattractive because they can be easily converted to
payments, we can't emphasize this enough, this billcash on the street by offering them for sale at a
payment service system will help your businesses indiscount of their face value. Because they're close
so many other great ways with goods and servicescash equivalents, prepaid wireless cards have become
you retail presently.tantamount to an underground currency in some
This service is a great traffic builder, encouraging yourplaces including Europe. Because of the proliferation of
customers to come back month after month. Gettingtheft reduction is the number one investment priority
customers into your stores to pay all there bills is goingamong convenience store executives.
to become more and more simple, once customersAdditionally, each of the supply chain participants lacks
get used to, and know they can pay all billers their, Itefficient inventory controls and reporting while battling
will become a habit!. Bill Payment Solutions that sharesfraud. Because of the difficulties they face, and
a common vision with you about how your businessretailers that sell traditional hard cards are in dire need
can win in your market. This will be exciting of yourof cost-effective distribution solutions.
business becoming need-fillers for your customers, theElectronic Distribution Solutions
new emerging innovating Bill Payment Service, CellularPrepaid Wireless Direct products and services solve
Service Providers concept.the distrbution problems of retailers that sell prepaid
Bill Payment Services. The Wave Of The Future!.wireless (mobile) and other prepaid services.
SMART Solutions.Retailer. Retailers are increasingly demanding electronic
Electronic Distributiondelivery for the significant benefits they derive.
How Electronic Distribution WorksBy delivering prepaid products electronically, on
The Problems of Distributing Prepaid Services withdemand, with point-of-sale activation(POSA)
Hard (Scratch) Cardstechniques, Prepaid Wireless Direct essentially allows
Introductionany retailer to sell prepaid wireless or other prepaid
One of the most significant developments in theservice without carrying any inventory. This eliminates
prepaid telecom industry in the last few years hasprepaid inventory costs that acted as enormous cash
been the emergence of electronic distributionbarriers, prohibiting many retailers from selling prepaid
technologies, such as Prepaid Wireless Directwireless or other prepaid services. What once tied up
point-of-sale activaton (POSA) will completelythousands of dollars in inventory, now requires no up
reconstruct the way in which prepaid services arefront cash from retailers. Now virtually any retailer not
sold.only can afford to participate in selling prepaid services,
How Electronic Distribution Worksbut also can expand their product portfolios to include
Prepaid Wireless Direct electronic distribution systemsphone cards, wireless, dail tone, credit cards, internet
enable any prepaid sevice to electronically transmitand more. In addition, they can also afford to represent
their services to virtually any retail location. Prepaidall of the popular prepaid wireless service providers in
Wireless Direct provides an integrated POSA solutiontheir areas.
comprised of flexible and compact point-of-saleAlso, because products are automatically replenished
terminal equipment, proprietary software, transactionalat POSA terminals electronically in PIN or real-time
communications, protocols, and professional servicesformats, retailer never run out of inventory. With
to assist retailers with implementation.Prepaid Wireless Direct POSA solution, retailers avoid
Once in the retail environment, consumers simplythe heavy costs of out of stocks and resultant
select a product from point-of sale signage or displayscustomer dissatisfaction.
and make the approprate payment to the clerk whoOnce installed in a retail location, the POSA terminal
then inserts a wallet-sized thermal card into the POSAvirtually eliminates theft by retail customers and
terminal. After pushing a few key corresponding to theemployess. Because only inactive products are on
desired product, terminal prints a prepaid PIN along withdisplay, retail customers can no longer steal valuable
usage instruction on the card. Prepaid Wireless Directairtime. And because all retail employees are assigned
also supports PIN-less delivery whereby the terminalunique passwords required to accesss the POSA
makes a real-time connection service provider. Aterminal, the system creates an audit trail that details all
credit is instantly issued to the customer's account.sales activity by date, time, shift and employee. This
Within moments of purchase, customers can useaudit trail provides a monitoring system that virtually
services.eliminates employee theft. With the POSA system,
The types of retail environments that are beginning toretailer no longer need to count and reconcile scratch
switch to electronic delivery include wireless shops,card inventory amounts at the beginning of every shift.
supermarkets, conveience stores, check cashers, foodPOSA also reduces shelf space requirements and
marts, university shops, electronics stores, hotels andsimplifies a retailers job by consolidating all prepaid
many more.products into one convenient POSA platform. POSA
The Problems of Distributing Prepaid Services withdelivers operating flexibility to the retail marketplace
Hard (Scratch) Cardsthat traditional point of sale products fail to provide.
Prepaid Wireless Direct has developed electronicRetailers also have 24/7 online access to reports that
distribution services to address the many problems ofshow real-time sales activity by each of their locations.
distributing prepaid mobile and other prepaid servicesRetailers can also print real-time sales report directly
through hard cards. Hard cards are also known asfor their POSA terminals. Reports can drill down to
scratch cards because the customer scratches asales activity at individual retail outlets by product, clerk,
panel on the back of the card to reveal a PIN or otherday, and time. Reports come standard but may be
secret code.customized to match the retailers unique information
The current and traditional distribution methodology ofneeds. Retailers use sales activity reports can also
most prepaid services involves the prepaid serviceshighlight sudden changes in sales at a particular
involves the provider printing scratch cards,location. Subsequent investigation often reveals a
warehousing them and fulfilling orders to distributors.simple solution to boosting sales such as replacement
The distributors purchase large quantities for providers,of signage that has been taken down by a window
warehouse them and fulfill retail orders. And retailerswasher. Timely awareness of problems and simple
purchase the cards from distributors, manage theremedies often make a significant difference to the
inventory and sell the cards to consumers.amount of sales at retail.
Each participant in the distribution chain encountersPrepaid Wireless Direct is proud to be leading the way
problems with scratch cards.in the electronic distribution of prepaid services through
Retailer Problems. Under today's traditional hard cardretail environment. By delivering unique, industry-first
distribution format, most retailers struggle on severalfeatures and benefits, while supporting a growing list of
fronts to offer prepaid productsplatforms, methods, suppliers, and products. Prepaid
Retailer have a difficult time carrying the inventoryWireless Direct is poised to lead the electronic
costs of prepaid services. The recent growth anddistribution movement into the future. In addition to its
popularity of prepaid wireless intensifies the problem.current suite of products. Prepaid Wireless Direct
With prepiad mobile, airtime denominations are muchintends to introduce many more electronic product
more expensive the phone cards that most retailersdelivery solutions as it continues to leverage the leading
are familiar with. It's common for one prepaid wirelesstechnologies to create cutting-edge, customized
provider to offer 5 or more different airtimeproducts for emerging customer segments.
denominations that range in price form $20 to $150Whether you are a small business retailer or a large
each. To make things worse, prepaid wireless airtimeretail chain store, Prepaid Wireless Direct has the
is carrier specific, meaning that Verizon prepaidSMART solutions for you and your customers. Retail
wireless customers cannot top up (recharge orlicensing provider of walk-in electronic bill payment
replenish) their accounts with AT&T, Cingular orservices for financial banking Bill Payment Institute
any other providers's airtime, and vice versa. This& Cellular Services Technologies Systems.