TRANCENTIVES

A Patented Incentive-Based Tender Type Steering
and Interchange Optimization Platform

For merchants that accept credit and debit cards for payments, card network interchange fees are a fact of life. Historically, there has been no effective way for merchants to influence customers to opt for less expensive payment forms. However, with TranCentives, now there is a way. TranCentives is a patented, incentive-based, tender type steering and interchange optimization platform that enables billers to provide their customers with incentives to choose cards with lower interchange costs.

Rapid
implementation
time with minimal
integration

Merchant can
configure incentive
options for their
customers

Highly beneficial
to merchants with
recurring payment
transactions

Significant cost
savings

HOW TRANCENTIVES WORKS

Through real-time integration at the point of purchase, TranCentives calculates the total cost of an individual
transaction and offers the customer incentives to switch to a lower cost payment method. The incentives are defined by the merchant and can range from discounts and coupons to loyalty points and complimentary products and services. For recurring payments and repeat customers, switching payment types to lower costs payment methods can optimize interchange costs and result in dramatic savings for the merchant.

TRANCENTIVES™ MAKES CHOOSING A LOWER COST
PAYMENT METHOD EASY FOR CUSTOMERS

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  • Customer keys in initial payment card at checkout
  • Alternative lower-cost payment methods identified
  • Incentive offered to customer for choosing
    lower-cost payment methods
  • Customer enters a different payment method
  • Savings calculated at checkout

SUPPORT FOR MULTIPLE INDUSTRIES

The TranCentives API was designed specifically with merchants and acquirers/processors in mind. It can be integrated rapidly into checkout, payment, and recurring billing processes. The benefits of TranCentives are applicable to businesses across multiple industries, such as merchants with recurring payment transactions and retailers with high-ticket product sales.

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