11-07 2016 The Perfect POS and Payment Solution For Your Business

www.cpay.
com
5 Years Fastest Growing Processor
A Join Venture
James Lee,
Reliable Business Consultant
CENTRAL PAYMENTS CORP.
M. 917.930.3945
AplusPayments@gmail.com
Dear Whom It May Concern:

On behalf of the Central Payments DIRECT SALES team, I would like to thank you for the opportunity to
Introduce for Todays Best Value On New Type of POS Solution and Merchant Services Powered By Central
Payments . We appreciate your consideration in reviewing our introduction and look forward to continuing
to service your business needs.
Central Payments is A Join Venture With TSYS who is one of the largest United States credit card processor, merchant
acquirer and bank credit card issuers. As of 2013 it was number one for credit card issuers and number two for
merchant processing in the United States[citation needed]. TSYS processes over $1 trillion a year in credit and debit card
transactions.
As one of the fastest-growing payment processors in the country, Central Payment provides competitive pricing,
cutting-edge technology and 24/7 customer care.
We provide payment, loyalty and marketing services to over 60,000 businesses, and process over 8 billion in credit
card sales annually.
Respectfully,
James Lee,
Reliable Payment Processing Partner
INTRODUCING
Todays Best Value

On Your Business
Presented By James Lee
James Lee
Account Executive
For Your Best Payment

Processing Services,
Contact James Lee
at 917.930.3945 or Via email to
Todays Best Value

On Your Business
Todays Best Value With Central Payment

is Started with
A Free POS System & Payment Processing
Equipment
And continues to help Grow
your business
with Endless Recurring Benefits-4 Big Gains
On Your Payment Processing.
James Lee
Account Executive

Contact James Lee
Todays Best Value For Your Business

Starting With A Free Equipment And
Grow With Endless Recurring Benefits
18 years experienced business consultant, James Lee is here to deliver TODAYS
BEST VALUE Making Your Business Most Profitable With A EMV & PCI
Certified Free POS Systems and Payment Processing
Equipment Plus, The Maximum Value On Your Payment
Processing powered by payment industry leaders such as Central Payment
1. Starting With EMV, NFC & PCI Certified, Free POS

System or Terminal that fit your business!
Which Free One Is The Best Fit For Your Business?
Free Terminal
VX680 Wireless
Free Terminal
VX520 DC
All-In-One POS System
Free APP & Card

Reader -CPay Mobile
Tablet Base Mobile POS
2. Grow with Endless Recurring Benefits Such As:

Additional Free Mobile Payment + Free Gift Card Program + Free Online Reporting + Marketing
Solutions & 24/7 support at the top of lowest rate & world top class quality of products and
services Powered BY Payment Industry Leaders
Contact James Lee To BRING THE BEST VALUES

By phone: 917-930-3945
or email to : AplusPayments@gmail.com
Visit To Learn More: http://merchantservicesus.wix.com/payment101
Todays Best Value On

Your Payment Processing
James Lee helps Grow Your Business with Endless Recurring
Benefits through his experience and industry knowledge of 18
years and todays best value powered by payment industry leaders
such as Central Payment.
Contact James Lee, Your Reliable Business Consultant
at 917.930.3945 or Via email to AplusPayments@gmail.com
Grow Your Business with Endless

Recurring Benefits
Your Values
A Complete Acceptance
Credit Card Acceptance
Debit Card Acceptance
EMV Card Acceptance
Electronic Check
Mobile Wallet Acceptance
Value Add Programs

Free Gift Card Program
Mobile Loyalty & Marketing

Program
Processing Method
Phone Order Online
Processing
Pay at The Table
Pay On Delivery
Free Processing Equipment
Reliable Payment
Processing Partner - 18
years Experienced Payment
Processing Consultant - James
lee will help your business make
more sales and success through
global leaders in payment
processing and merchant
acquiring.
We will help you:
Reduce risk on your business

by providing private concern
that guide you to meet all of
the mandatory regulation
such as PCI Operation &
Equipment Compliance, EMV
compliance and IRS 28%
withholding, ETC
Reduce your processing cost
Increase Your Sales and
Profits
A Complete
Acceptance:
Everything you need to
collect non cash payment:
via check card, credit card,
EMV Card and mobile Wallet
such as Apple Pay, PayPal &
Samsung Pay
1.Credit Card Processing
2.Debit Card Processing
3.EBT Card Processing
4.EMV Card Processing
5.NFC Processing
6.Mobile wallet acceptance
7. Check Processing Services
Value add products

Free Gift , Loyalty Cards Program
with Easy Mobile Marketing
Solution & ATMs.
Plus alternative business

loan and Merchant Cash
Advance
A complete free
equipment - EMV & PCI
Certified such as
Free Restaurant POS System
Free VX520 DC
Free Mobile Payment
Free VX 680 Wireless

Terminal
Free Virtual Terminal
Free POS System, Free POS

Tablet, Free Virtual terminals,
Free VX 520& Free VX 680
wireless terminal
24/7 365 Seamless Support
Continued to endless
recurring benefits
Security & Risk Management
Lowest Rate GuaranteeReduce your processing

cost and make more
profits on your business
A complete PCI Security
Program protecting your
business..
EMV Solution
A Supreme Customer
Services - Online Reporting
& 24/7 Customer Support
EMV Deadline is OCT 01, 2015 But Do not pay for EMV Card Processing
Equipment! Just enroll free EMV equipment upgrade program With endless
recurring benefits called today's best values on your payment processing
24/7 365 customer support
Online Reporting
PCI DSS Compliance
EMV Solutions
Fraud and Risk Management
Solutions to Increase Profits

Lowest Fees
Customer Retention
Obtain New Customer
Cost less Marketing
Express Financing
Cash Advance
Business Loan
Discover Your
Business Value in
detail view
James Lee
Account Executive

Contact James Lee
INTRODUCING
HOW
FREEPOS SYSTEM
CAN MAKE YOUR BUSINESS
DIFFERENT
James Lee 917.930.3945 AplusPayments@gmail.com
The World's Finest Bundle As A Service POS System
Why You Should Take An Advantage

With Free POS System Instead of
Paying $10,000 plus on other
similar POS products?....
With Only $39-$69 per month for POS System, You
will get everything You need.
SEE WHAT'S INCLUDED
At The Next Page
917-930-3945
Which Free POS System

Is Best Fit For Your Business?
Let us Choose Right POS System!
r-- -
A Little Bit Of Monthly Services Fee Included

Free of POS Hardware & Software
Free of Hardware & Software For Payment Processing
EMV, PSS & NFC Certified
24/7 365 Unlimited Support
POS System For Retail
RiO
All-In-One Compacted
POS System
Restaurant POS System
$69/month
CPAY POS System

For Restaurant
$69/month
The Point of Sale, Reinvented

Simple but powerful, RiO looks
good on your business
countertop.
Tablet POS System
iPad POS
$8.00/month
As we learn about your business unique needs,

We recommend RIO POS System as a primary choice.
RIO has a great feature helping your business grow and RIO
supports EMV, Mobile Payments & PCI Compliant
http://rio.cpay.com/
Ask James Lee HOW TO BRING THE BEST VALUES

By Calling at 917-930-3945 or email to : AplusPayments@gmail.com
Introducing RIO POS System
RiO
Simple but powerful, RiO looks good
on your business countertop.

The World's First Bundle As A Service POS System

$60.00/Month INCLUDED
A Complete Retail Specific POS Hardware

System
On Site Hardware Servicing**
Advanced Cloud Based Retail Management
Software - V20
Fully Integrated and Certified EMV
Payment Processing*
Future Ready Verifone EMV Pin Pad
Unlimited Cloud Hosting and Back Office
Access
Delivery and Set Up

Unlimited Technical Support
Unlimited Program and Feature Updates
All Inclusive Monthly Fee Locked In For
5 Years*
Hardware Replaced Every 5 Years

Free Gift Card Solution

With RIO
MyGiftCentral Gift Cards
Give the Gift of Giving
Build a return customer base with our gift card program.
MyGiftCentral is the key to brand recognition and loyalty. Choose
from an array of beautiful signature cards or customize your own
design at MyGiftCentral. Gift card popularity is rising every year and is
the most sought after and requested gift for all occasions. Attract new
customers, increase brand awareness, improve sales and reduce fraud
with your new CPAY gift cards.
www.cpay.com/solutions/mygiftcentral
James Lee

Contact James Lee at
917.930.3945 or Via email to
Account Executive
http://cpay.com/
A Revolution On Your Payment Processing
We Double Up Your Benefit

Your Business
Benefits With RIO
POS System
Your Business
Benefits On Your
Payment Processing
Take the great feature

and benefits of RIO POS with your incredible additional
values on Payment processing with Central Payment Payment Processing Industry Leader
INTRODUCING
HOW
Central Payment
Double Up Your Benefit
On Your Payment
Processing
We Double Up Your Benefit With

MERCHANT SERVICES
Powered By Central Payments - TSYS Joint Venture
Central Payments have partnered to provide comprehensive

electronic payment solutions for all brands of credit, debit, EBT,
purchasing and gift cards. With one of the most reliable networks in
the industry, we are committed to providing quick connections and
safe, continuous service.
Regardless of your industry, you can increase sales by offering the
payment methods that your customers prefer
We is Here To Support
Your Business
And Help It Grow
Central Payment is a fastest growing

processor that delivers innovative
solutions driven by customer needs.
About CENTRAL PAYMENTS

As one of the fastest growing and most innovative payment processors in the country,
Central Payments is Join Venture With TSYS who is a United States credit card processor, merchant acquirer
and bank credit card issuers. As of 2013 it was number one for credit card issuers and number two for
merchant processing in the United States[citation needed]. TSYS processes over $1 trillion a year in credit and debit
card transactions.
Central Payment(CPAY) is nationally-recognized as a leading provider of transaction processing services and
social marketing software, providing support to more than 55,000 small, medium and large businesses across
the United States. It annually processes more than 6.5 billion in credit card sales.
The Next Good Reason to Switch To Cpay is Your Reliable

Payment Processing Partner
www.cpay.com
Central Payment
A TSYS Joint Venture
2350 Kerner Boulevard, Suite 300

San Rafael, CA 94901
Central Payment(CPAY) is nationally recognized as a leading provider of transaction processing services. As one
of the fastest growing and most innovative payment processors in the country, CPAY provides best in class
service based on competitive pricing and technology-based solutions. Employing a combination of a highlyexperienced staff and an entrepreneurial approach to conduct business, CPAY is dedicated to maximizing
growth and profit opportunities for its customers.
Founded in December of 2005, by twin brothers Matthew and Zachary Hyman, Central Payment has rapidly
built a national reputation and client base. The co founders have nearly a decade of experience in the
payment card industry.
A nationwide full service credit card processing company with a direct partnership to top tiered global
processor TSYS(NYSE:TSS) and over 60,000 current customers processing over $8b annually
Your Business
And Help It Grow
A Join Venture
The Next Good Reason to Switch To Cpay is Your Reliable
Payment Processing Partner
www.cpay.com
A Join Venture
Central Payment
A TSYS Joint Venture
Learn About More?

Visit www.cpay.com
Download Cpay Presentation
2350 Kerner Boulevard, Suite 300

San Rafael, CA 94901
Your Business
And Help It Grow
Products and Services that work for you

Central Payment - Customer Testimonials
The Perfect POS &

Payment Solution
For Your Business
James Lee
Account Executive

Contact James Lee
BIG GAINS
With Central Payments Corp
Central Payments helps

Never turn a customer
away
Running your salon can certainly keep you busy throughout the day! As an owner,
you understand the importance of serving your customers as best you can, and so
do we! We know you dont have a lot of time to review your merchant account
options and service; thats why Central Payments created simplified merchant
account plans to help your business owners save money, time and increase sales.
we can help your business grow fast.

James Lee 917.745.6147 James.Lee@globalpay.com
BIG GAINS
With Central Payments
CONVENIENCE, RELIABILITY AND

SPEED - WHAT WE HAVE TO OFFER
Small businesses a vital part of our daily lives. We count on its
variety and reliability to provide us with the items we need...all
within a distance that's close enough that we can make our
purchases quickly and conveniently.
Central Payments offers you the same variety and reliability in your
payment processing. Our array of supermarket-specific products
and services lets you focus on producing profits for your
business. And, as far as convenience, our global organization
brings you the best of both worlds - local support with worldwide
service.
Lets check out what we have

to offer.
James Lee 917.745.6147 James.Lee@globalpay.com
TO SET UP A PAYMENT PROGRAM

TO MEET YOUR SPECIFIC NEEDS
Central Payments offers the right mix of features and

functionality to meet your needs:
Open up new revenue streams to increase profitability
Drive revenue by offering customers the flexibility and convenience of using their
preferred method of payment safely and securely.
Credit card including Magnetic type card and EMV card

Debit card including Magnetic type card and EMV card
Mobile Wallet such as PayPal, Apple Pay, Samsung Pay and Android Pay
Gift card and Loyalty Card
Purchasing card
Electronic check processing
Internet, and telephone order processing
Check Processing Options.

As a leader in payment technology innovation, GPay offers a simple, secure and low cost
electronic check processing solution with GPay Check, and its already available in your point
of sale, practice management or software application.
Global Payments offers multiple check processing options, including Check Verification,
Check Warranty and Electronic Check Conversion (ECC) and much more.
Contactless Capabilities.
Increase customer throughput with RFID (Radio Frequency

Identification) technology. With RFID, no signature is required for transactions under $25. This is
especially advantageous for supermarket environments where speed is key.
Payment Solutions in a variety of ways and any spot

Today, restaurant can accept payment transactions in a variety of ways and locations. From
checkout lanes, Pay At the Table and at the spot of food delivery to Internet order transactions,
Global Payments 's payment solutions and services offer greater convenience to your customers.
RELIABLE IN THE BUSINESS

In an industry where uptime is a top priority and uninterrupted
service is expected, supermarkets know they can count on Global
Payments.
Our record for processing uptime far exceeds
industry standards, and we constantly strive to improve even our own
high standards of performance.
But reliability isn't only about uptime. It also means having the
information you need when you need it...whether it's through our
highly trained Customer Care team or analyzing your detailed
transaction information online, anytime.
Exceptional Customer Service. Our colleagues are among the

most highly trained in the industry, spending nearly eight weeks
in specialized training before they take their first call.
Reliable Customer Support

While many claim top-notch support, the depth of knowledge rarely
runs deep. In contrast, GPay CustomerCare is staffed by
experienced professionals who offer valuable services for your
business.
24 x 7 x 365 support by phone, email and online Technology
Hardware and payment account assistance
Dedicated specialists who understand the application through

which you process payments
James
917.930.3945
James
Lee Lee
917.745.6147
James.Lee@WorldPay.us
WHAT CENTALPAYMENTS BRINGS TO THE TAB LE

As specialists in the restaurant industry, Global Payments has a unique understanding of your business
needs, providing affordable, flexible, scalable solutions that grow with your business. In fact, more than
one-third of our US customers are restaurants, ranging from name brands to hometown favorites.
Our customers rely on us to manage the entire transaction,

from point-of-sale authorization through settlement of funds.
Faster Access to Funds. Global Payments strategic partnership with
BBCN Bank can help you receive your credit and debit card funds
quickly, funding is provided on the next day of settlement with a BBCN
Bank business checking account or via bank wire.
The Preferred Provider. Global Payments has formed strategic
partnerships throughout the supermarket industry with major POS and
switch providers, and as a leader in payment technology innovation, we
offers a simple, secure and low cost electronic check processing solution
with Global Pay Check, and its already available in your point of sale,
practice management or software
Special Programs for Restaurant Franchiser and Associations.

Conversions are simplified. We offer a dedicated group of seasoned
industry professionals who manage every aspect of the conversion.
Flexible Programs for Franchises. To support the heavily
franchise-based restaurant industry, Global Pay's core
franchise program is customizable to meet your specific
needs, including:
Set, negotiated pricing to ensure franchisees receive
consistent rates across the enterprise base.
Simple conversion and roll-out plans to minimize impact (and
training) when switching to WorldPay.
Upon agreement, WorldPay will mobilize its nationwide direct
sales organization and do the legwork to sign up your
franchise base.
Industry-leading P2P ENCRYPTION Global Pays EdgeShield is
designed to render cardholder data unreadable, encrypted at the device.
Merchants are unable to view card numbers after the swipe or hand-key.
Unsurpassed Service. Our call center and help desk

personnel are dedicated to one-call resolution. You can depend
on experienced staff answering your questions saving you
time and money.
Native Language Support. We provide customer support in
many languages and dialects.
Monthly Processing Statement. Access your monthly statement

anytime online through our secure, password-protected reporting
site.
4 kinds of big gains

from Central Payments INC
Compliance
Assurance On
Payments &
Equipment
Perfect
Payments &
CRM Solution
1
3
Lower Cost
Increasing
Profits
2
4
World Class
Customer Support
& Fast Funding
A Join Venture
4 kinds of big gains

Offered by Central Payments INC
PERFECT PAYMENTS & CRM SOLUTION
To help our customers make more active sales anytime any where, Global Payments
Inc provides, in the one place, the most appropriate program - Complete full-featured
payment processing service directly and value add services such as gift cards and
membership card programs .
Global Payments Inc enables you to accept all types of regular credit cards and EMV
Cards, signature or pin-base debit, mobile wallet and check payments with the variety
of method such as swiping, inserting or NFC contactless. also Global Payments Inc
offers ACH) services and recurring billing solution.
COMPLIANCE ASSURANCE ON PAYMENTS &

EQUIPMENT
Through a unique collection of complementary security solutions, We delivers one of
the industrys most secure payments platforms Utilizing EMV technology for greater
transaction security and fraud protection at the point-of-sale
Global Payments Inc offers a wide range of point-of-sale equipment & system
conversions and integration services but The EMV & PA DSS Approved only for PCI
compliance assurance.
LOWER COST INCREASING PROFITS

Reduce your overall cost for payment processing with multi-way such this special
discounted pricing program for BBCN Bank Customers, eliminating the profit of middle
man and right payment processing system and operation.
ENJOY PEACE OF MIND KNOWING OUR BEST-INCLASS CUSTOMER SUPPORT & FAST FUNDING
Customer Care Opens 24/7/365days a year with experienced representatives

that speak multiple languages and comprehensive training programs
Advanced Online Reporting With Daily Update including supply packages and
next-morning replacements helps your business keep accepting payments and
making the sale.
Access to funds from card payments as early as the next business day
A Join Venture
Your big gains

from Central Payments
PERFECT
PAYMENTS &
CRM SOLUTION
Perfect
Payments &
CRM Solution
Compliance
Assurance On
Payments &
Equipment
1
3
Lower Cost
Increasing Profits
2
4
World Class
Customer Support
& Fast Funding
A Join Venture
Central Payments Delivers A Complete

Payments Solutions Working
For Your Business
TO SET UP A PAYMENT PROGRAM

TO MEET YOUR SPECIFIC NEEDS
We provide fast, reliable payment processing for the full range of card types, including credit, debit and closed
loop gift cards. Global Payments provides access and advocacy on your behalf to the credit card
associations, including Visa , MasterCard , Discover , American Express and all of the major PIN-secured
debit networks. We also offer connectivity to most Electronic Benefits Transfer (EBT) programs, as well as FSA/HSA
and check processing services.
Our customers have access to innovative payment acceptance programs, including the National Payment Card
Association's ACH proprietary card a private-label debit card product.
Whether it's for a single terminal or multi-lane environment, we offer seamless support and integration with
industry-leading supermarket platforms, including:
Mobile Wallets
such as Apple Pay,
Android Pay and
Samsung Pay
EMV Card
Payment
Solution
A Join Venture
WE DELIVER A COMPLETE PAYMENTS SOLUTIONS

WORKING FOR YOUR BUSINESS
What We Serve
We Help Accept All Major Forms of Payment

At Global Payments, we want to make it easy
for you to do business which is why we provide
access to all major forms of payment
processing.
Credit, Debit & Purchasing Card
Global Payments provides total processing
capabilities for credit, debit, Electronic Benefits
Transfer (EBT), gift, loyalty and purchasing cards
for all major card types and technologies.
Check Payment Processing

CHECK SERVICES-Customizable check
processing systems designed for business:
Money Transfer
Our comprehensive @dvantage line of financial
and information management solutions provides
flexibility with feature-rich systems and support
for multiple communication protocols and input
methods.
Gift Card & Loyalty Cards
Global Payments provides support for Gift Card &
Loyalty Cards processing for merchants from
various businesses and industries.
Mobile Wallets
such as Apple Pay,
Android Pay and
Samsung Pay
EMV Card
Payment
Solution
Your Business Gains With Global Payments

American Express Acquiring Program
What is it?
Global Payments and its participating independent sales
organizations (ISOs) and payment service providers
(PSPs) contract directly with eligible U.S. small
merchants and determine the pricing for American
Express card acceptance. Merchants can now accept and
process American Express the same way they do other
payment cards from major networks.
Reduce overhead by accepting American Express

transactions through Global Payments; and participate in
American Express Membership a powerful network of
consumers, small-businesses and corporate Card
Members to help your business thrive.
Additional Features
Simplified payment acceptance by consolidating your account management and reconciliation via
one provider.
A single, consolidated statement to review.
One provider and deposit funding of all payment types (American Express, Visa, MasterCard,
Discover, PayPal, JCB, Diner's Club International, UnionPay, BC, debit and EBT).
One phone number to call for voice authorization, disputes or questions
Ready. Set. Go
With American Express Acquiring Program,
you get streamlined on-boarding, single
deposit payment, a single statement for all
card transactions and speedy initial set-up
Contact your account executive, James Lee at 917-930-3945 today to learn more
Future Payments For Retailer
POS
Electronic
Check
Conversion
Point of Sale (POS) Electronic Conversion
Using a check reader or imager

connected to a credit card terminal
What is POS Electronic Check

Conversion?
POS Electronic Check Conversion provides the tools for merchants to
accept and process checks electronically at the point of-sale, just like
a credit card.
Using a check reader or imager connected to a credit card terminal,
merchants can process and deposit checks without making a trip to
the bank. By offering more payment options, your business can
increase sales and customer satisfaction.
Benefits POS Electronic Check Conversion

POS Conversion provides safety and security for merchants when
accepting checks in a face-to-face environment.
Check Guarantee.
Fast and Convenient.
The Check Guarantee option provides the security

and peace of mind to accept checks with
confidence.
By following simple guidelines during
the transaction, liability is transferred
from the merchant.
Merchants will enjoy fast access to funds. Deposits are

made into the merchants bank account in 2-3 business
days. Check handling labor and costly banking fees are
eliminated.
And, no more filing paper claims for bad
checks.
Funds for the check are deposited into the

merchants bank account - guaranteed!
Free Detailed Web-Based Reporting
QSP speeds up checkout process

QSP is designed to speed up the checkout
process in quick service environments
such as convenience stores and fast food
restaurants. No drivers license is required
for checks up to $50.00. Approved checks
are guaranteed.
With free online reporting, merchants have access to

full transaction tracking with many features including
billing reconciliation, transaction history, fast access to
batch detail, and much more. Generated reports can be
exported in several popular formats.
Free customer service and technical

support is available to assist merchants.
Build customized
Gift card & Loyalty
programs to
create customer
loyalty
Central Payment provides Gift

Card & Loyalty Programs:
A Means Of Strengthening Competitiveness
And Increase Revenue
Gift cards & Loyalty cards have been a great way to attract new customers and encourage repeat
business...and The most important reason to start a gift card program is to increase sales.
Whether you own a cupcake shop, a dental practice or an online party supply store, I believe every
small business should have a gift card programone that includes plastic gift cards. With a range of gift
card programs available, theres almost no excuse for not having at least some type of gift card to offer
your customers.
INTRODUCING
Central Payments
GIFT CARD PROGRAM
Central Payments
GIFT CARD PROGRAM

Your businesses can
increase sales with a
gift card.
Heres your gift card
solutions that brings
benefits and helps
grow your business.
Maximize profits by offering gift cards a necessity in today's marketplace.

Global Payments offers you a total package solution and gives you the business
edge when you choose the latest in stored-value technology:
Increase revenue from existing customers.
Bring in new customers.
Develop your brand by using "mini-billboards."
Use cards for merchandise credits, coupons, comps and rebates.
Central Payments
GIFT CARD PROGRAM
DID YOU KNOW?

69% of gift card
recipients spent
more than $30
over the original
card value.
Gift cards are

the most
requested
holiday gifts and
the most popular
for birthdays.
57% of consumers
purchased at
least one gift
card in the last
year.
The most
important reason
to start a gift card
program is to
increase sales
DID YOU KNOW?

Gift cards spending increases every year. The most important
reason to start a gift card program is to increase sales
$118 billion spent on gift cards in 2014

$1 billion in gift cards go unredeemed annually
45% of gift card users spend over the face value of their
cards
Gift cards are the most requested item during the holidays
Central Payments offers
Free Gift program
CPAYS Free Gift program Overview

No monthly fees, enrollment fees, cancellation
fees, or fees per transaction
All new merchants are automatically enrolled in program

With new application version 0415
Gift card account automatically set up for new merchants
Merchants must order cards to begin using program
Existing merchants not currently signed up with a gift card
program may also participate
No merchant signature required just enter an account change to
enroll merchant
Free Gift Card Program Is Limited Time Offer!
Ask James Lee Still You Are Eligible
IN-HOUSE ENTOLLMENT PROCESS
Free Gift Card program for

merchants
Agent turns in merchant application with automatic

enrollment to gift card program
No additional steps for agents, ADs, verifications,
approvals, or centrallers
Program enrollment is completely automated and happens
at the time an account is centralled
Merchant can immediately log on to gift card portal and
order gift cards
Gift cards are shipped the same day they are ordered
Once merchant has their terminal and gift cards, they are
ready to begin selling cards and processing gift card
payment transactions
ORDRING AND RECEIVING GIFT CARD

To order gift cards, merchants must go to
the gift card portal: giftcards.cpay.com
Link available on MyStoreCentral
Order cards as needed, at any time
Cards are completely customizable
Premade card designs available for several
of our most common business types
Merchants may upload and use their own
custom design
Merchants are responsible for applicable gift
card and shipping costs
Cards are shipped on the same day they are
ordered
Merchants can use promo

code CPAYGIFT to receive 25
FREE cards on their first order!
Reorder pricing is
as low as below
To Learn More, Sign up For free consultation by calling James Lee at 917-930-3945 or
request via email to AplusPayments@gmail.com
WHO CAN USE GIFT CARDS

Merchants that process transactions by swiping cards (gift cards cannot be
keyed in: no ecommerce or MOTO transactions)
Compatible terminal: vx520,
Coming very soon: vx570, vx680, cpaytablet, cpaymobile, cpayPOS, plus other POS
systems
New merchants can still use their existing gift cards as long as they are compatible
Test gift card on terminal, or
Send gift card in to CPAY tech department for a compatibility test
Existing CPAY merchants that are enrolled in another gift card program (e.g., Sage) cannot
switch to the new CPAY Gift Card program
No MOTO
GOOD FOR MERCHANTS, GOOD FOR CPAY

The gift card program is free; merchants can order 25 free cards and try the program out
with absolutely zero risk and only the cost of shipping
Gift cards are good for business
Revenue is upfront profit
Stimulates purchases customers spend more than face value of card
Brings new customers to business
Increases customer loyalty
Merchants are less likely to switch processing companies
Canceling with CPAY may mean losing the ability to process outstanding gift card
Merchants can use promo code CPAYGIFT to

receive 25 FREE cards on their first order!
Build customized Gift card & Loyalty programs to

create customer loyalty
Introducing SpotOn
World Top Class Loyalty & Marketing
Program Powered By Cpay
Repeat customers are the heart of

every successful company.
Loyalty & Rewards
Programs
What can you do to
increase purchase frequency
and protect your customers
from the offers of competitors?
Reward them.
What is it?
Loyalty or Rewards programs award points or credits to
your customers for shopping with you. Points/Credits are
tracked thru the system and can be used as a secondary
currency to purchase "stuff" at your store. The best
news? There is no additional cost for a loyalty/reward
program for anyone on the system. Merchants pay only
for loyalty cards and additional loyalty transactions. If you
are on one of our packaged plans, transactions will apply
towards gift or loyalty transactions.
What makes it unique?
Loyalty/Rewards cards are different because they don't
contain monetary value - they track customer activity.
You give them to your customers as part of your
marketing campaign to keep the customers that you
have, encourage them to purchase with you more
frequently, help collect demographic data and gain an
edge over your competition.
Research shows that it costs four to ten times

more to acquire a new customer, than to keep
an existing customer coming back. Yet many
merchants continue to overspend on
campaigns to attract new business and
underspend on
securing and building value with the customers
they already have.
Loyalty card programs

Enable merchants to have a
competitive edge
by providing the necessary tool to
operate a comprehensive customer
loyalty and rewards program that will:
1. Identify loyal customers
Identify customers by capturing their contact
and demographic information
2. Track customer spending
Having customers use their loyalty card each
time is the way to track and later promote
relevant offers based on their purchase
behavior
3. Motivate behavior
Using transaction history, create customer
segments and communicate targeted
promotions designed to motivate profitable
purchasing behavior
4. Reward performance
Reward customers purchases with an emphasis
on rewarding behavior that has the most profit
able results for the business
5. Measure results
The data captured will offer flexible operational
reports to show adoption rate, loyalty
penetration, and success of campaigns
Why Do Businesses
LoveProgram
SpotOn?
SpotOn
Loyalty
Keep your customers coming

back for more
Acquire. Retain. Repeat.
An all-in-one marketing program at your fingertips.
Increase your brand loyalty, take control of your marketing campaigns and
develop a great online reputation. With SpotOns powerful tools, its easy to
dissect real-time marketing data to attract new customers and keep them
coming back for more.
Customer-Centric Loyalty
Keep your customers coming back for more.
Develop a loyalty program with custom-built incentives that your
customers want.
www.spoton.com
Why Do Businesses Love SpotOn?

SpotOn-CPay Loyalty
& Marketing Program
Effortless Loyalty. Smarter Marketing.
Merchant is provided with an off-the-shelf tablet and unlimited
rewards cards, for a low monthly fee.
To date over 3millionSpotOn Users with more than 500,000
rewards earned by customers at over 6,000 retail outlets.
Studies show 84% of customer loyalty program members are
likely to choose a retailer with a rewards program over a
competitor.(ACIWorldwide,Jan2012)
SpotOn-Cpay Customer loyalty solutions proven

to grow your business as much as 30%.
SpotOn
Effortless Loyalty. Smarter Marketing
SpotOn
Effortless Loyalty. Smarter Marketing
Your big gains

from Global Payments INC
Compliance Assurance
On Payments &
Equipment
Compliance
Assurance On
Payments &
Equipment
Perfect Payments &

CRM Solution
1
3
Lower Cost
Increasing Profits
2
4
World Class
Customer Support
& Fast Funding
A Join Venture
COMPLIANCE ASSURANCE
ON PAYMENTS & EQUIPMENT
Global Payments
Compliance Assurance On
Payments & Equipment
Central Payments Protects

Your Business
Central Payments maintains that the most effective method for keeping cardholder data safe is a
multi-pronged approach, combining EMV, encryption and tokenization. Cpays Security Suite is the our
answer an advanced security services bundle intended to protect credit card data, prevent
counterfeit fraud, and enhance payment processing security.
Through a unique collection of complementary security solutions, Central Payments d delivers one of
the industrys most secure payments platforms while preparing point-of-sale developers and
merchants for upcoming EMV mandates. When integrated into systems that accept payments,
the bundle protects credit card data while at rest and in transit.
The industrys most secure payment platforms

protects your business
WE PROTECT YOUR BUSINESS WITH
COMPLIANCE ASSURANCE
ON PAYMENTS & EQUIPMENT
1. All payment processing operators including merchants have to comply with
PCI security regulations. So by providing PCI Assurance Program and a secure
payment device passed the security compliance check, we ensure our
customers become PCI compliant who always keep their status as a party
complies with the security regulations because it is most important to prevent
data accidental release. The strong security assurance is very important benefit
with us because our customers can not only stay in safe but also proactively
block the fines and expenses in the case of data leakage accident
2. We provide the proper means of EMV payment chip cards and EMV approved
equipment to protect your sales
3. We provide an automatically disclose the fraudulent payments to reduce the
corresponding fraudulent transactions and prevent economic loss from
chargebacks
The industrys most secure payment platform

protects your business
WE HELP YOUR BUSINESS BECOME A PCI COMPLIANT &

EMV READY
FIRST LET US TALK ABOUT
Are You Ready For EMV?
PCI COMPLIANCE
Do you know it is
discretionary
dangerous as a
drunk driver to
continue driving if
your operation on
your payment
processing does
not comply with
the mandatory
provisions Payment Industry
security Standard
Global Payment helps remove the risk of non-compliance

through support of PCI security assurance and chip card
payment solutions with payment of various PCI Certified
equipment only
To Learn More, Sign up For free consultation by calling James Lee at 917-930-3945 or request via email to AplusPayments@gmail.com
What is PCI DSS?
Global Payment Protects Your Business
(Payment Card Industry Data Security Standard)

The PCI Security Standards Council (PCI-SSC) has officially announced a significant
enhancement to payment security that has far-reaching operational consequences for
all retailers with electronic payment transaction systems. The new mandate
requires that most payment applications must now be audited under the new
PA-DSS (Payment Application Data Security Standard) on a continual basis, which will
help merchants maintain PCI DSS compliance.
Q. What is PA-DSS?
Q Are my payment applications compliant?
Payment Application Data Security Standard (PA-DSS) is
designed to help implement secure payment applications at merchant

locations by confirming sensitive cardholder data such as full
magnetic stripe, credit card security code, or PIN data is not
stored. PA-DSS compliance can only be accurately verified by a
qualified application audit facility.
Managing data security can be a daunting task for
merchants who do not have an onsite technical or security-related

staff. VeriFone has alleviated this headache by obtaining PA-DSS
approval for all payment applications
that operate on VeriFone terminals and providing you
the necessary supporting documentation to ensure your
compliance.* VeriFone is committed to delivering the
PA-DSS APPROVAL
highest level of security by being the first to offer a full
Ongoing testing by third-party labs ensure that all

payment applications follow these new standards
STORED SECURELY
Q What happens if Im non-compliant and

.
Primary Account Number

Cardholder Name
Expiration Date
CARDHOLDER
DATA
suite of PA-DSS approved payment applications.
compromised?
Processor
NOT STORED
Full Magnetic Stripe Credit

Card Security Code PIN
Data**
Merchants are responsible for maintaining site compliance
based upon PCI DSS standards. Non-compliance and/or site

compromise can lead to:
Fines from financial institution
Reimbursement of forensic audit files
Q What are my responsibilities?
Implementing a PA -DSS compliant payment
application into a PCI DSS compliant environment

Configuring the payment application (where
configuration options are provided) according to the
PA-DSS Implementation Guide provided by the vendor
Configuring the application in a PCI DSS compliant
manner
Maintaining the PCI DSS compliant status for both
the environment and the application configuration
Merchants should complete the PCI DSS Self-Assessment
Questionnaire and Attestation of Compliance document
as a statement of compliance.
VeriFones PA-DSS approved applications enable
Litig a tion fees

Loss of reputation and customers
92% of security compromises were Level 4 merchants
(mom-and-pop companies). Losses associated with
breaches increased to $197 per card compromised.**
For more information visit

www.verifone.com/padss
www.verifone.com/security
www.pcisecuritystandards.org/security_standards/pa_dss.
www.pcisecuritystandards.org/security_standards/pci_dss.
merchants to fulfill all of these responsibilities and

achieve PCI DSS compliance.
* Please consult your payment service provider to find out when your application will be available. **
March 2008 Global Compromise Statistics review of 350 breaches by industry-leading security firm
Trustwave.
What Is PCI DSS

(Payment Card Industry Data Security Standard)
The Importance of PCI Compliance

The PCI DSS was designed to make certain all companies that store, process
and transfer credit card information keep that information safe. In other words, if
an organizations customers ever pay directly with a credit card or debit card, then
PCI DSS requirements apply. A payment application, as it relates to PCI
compliance, is anything that stores, processes or transmits card data
electronically, from a POS system in a restaurant to an e-commerce shopping
cart. Using a third-party company to process credit cards will not excuse a
company from PCI compliance, although it may limit the risk of exposure.
PCI compliance levels

Requirements depend on PCI
compliance levels, based on Visa
and/or MasterCard transaction
volume over a period of 12 months.
Level 1 Any merchant that processes more than 6 million transactions a year. Big
box stores and major corporations must complete an annual internal audit conducted
by a qualified PCI auditor. They must also undergo quarterly PCI scans administered by
an ASV. Quarterly scans are used to check for vulnerabilities in operating systems,
services and devices.
Level 2 Any merchant that processes 1 million to 6 million transactions a year. Level 2
companies are not required to undergo an on-site data security assessment but must
complete an annual risk assessment with the appropriate SAQ. They may also need to
provide quarterly PCI scans.
Level 3 Any merchant that processes 20,000 to 1 million e-commerce transactions a
year. Such mid-sized companies must complete the annual risk assessment with the
appropriate SAQ and may need to provide quarterly PCI scans.
Level 4 Any merchant that processes fewer than 20,000 e-commerce transactions a
year, in addition to merchants that process up to 1 million transactions a year. As with
larger businesses, small businesses must complete the appropriate SAQ. Some small
businesses may also need to provide quarterly PCI scans, processed by an ASV.
PCI DSS (Payment Card Industry Data Security Standard)
Cost Of Non PCI Compliance
MasterCard and Visa can charge fines (which are expressed in US Dollars) for
non compliance with the PCI DSS regulations. The fines would be in Sterling
equivalents based on the relevant exchange rates.
MasterCard's quarterly escalating fines

for non compliance are:
Level 1 & 2 Merchants
First Violation Assessment Amount: Up to $25,000
Second Violation Assessment Amount: Up to $50,000
Third Violation Assessment Amount: Up to $100,000
Fourth Violation Assessment Amount: Up to $200,000
Level 3 Merchants
Visa expects level 1, 2 and 3 merchants to demonstrate that they are actively
engaged in the program to become compliant. If they are not compliant the penalty
is:
Level 1 Merchants $25,000/monthly
Level 2 Merchants $5,000/monthly
In addition, Visa asses fines for Prohibited Data Storage. A newly identified Level 1 or 2 merchant
that has not yet validated their PCI compliance must complete an attestation form (PDRA). This form
confirms the merchant does not retain prohibited data and must be submitted by March 31st of the
calendar year following their identification.
Prohibited Data Storage is the storage of sensitive full magnetic data.
Visa assesses escalating fines which are detailed below:
Monthly Prohibited Data Storage Violation Fines

Tokenization is the most effective way of minimizing your PCI compliance footprint
Months
Merchant Level 1
Merchant Level 2
Months 1-3
$10,000
$5,000
Months 4-6
$50,000
$25,000
Months 7 and up
$100,000
$50,000
Reference
www.verifone.com/padss
www.verifone.com/security
www.pcisecuritystandards.org/securi
ty_standards/pa_dss.
Cardholder data breaches have become

a serious issue among big-box retailers
and small businesses, alike.
Since 2004 despite complex PCI requirements more than 1 billion records have
been compromised, raising concerns about the health of digital commerce.
A data breach can be a significant liability for a developer offering payments
functionality, not to mention the impact on merchant operations.
Merchant Breach Example

There is no typical data breach scenario. Cyberthieves
access merchant credit card processing
systems in sophisticated, unexpected ways, often
skimming sensitive cardholder data for months.
Heres an example of how one business was affected
by a recent data breach:
Industry: Self Storage
Breach method: Network sniffer planted on server
Time until discovery: 7 weeks
Records compromised: 450
Associated costs:
Lost business
Detection
Escalation
Customer notification
Remediation
Fines
Legal fees
Total price tag for breach: $46,000
Central Payments helps remove the risk of non-compliance through support

of PCI security assurance and chip card payment solutions with payment of
various PCI Certified equipment only
12 PCI Compliance Requirements
PCI Compliance
Requirements
To establish PCI compliance, an organization must meet all basic standards for handling
consumer cardholder information.
The 12 PCI DSS requirements, as divided into 6 control objectives, are as follows:
PCI regulations also forbid the storage of the following: unencrypted credit card
numbers, CVV or CVV2, PIN blocks, PIN numbers and Track 1 or 2 data. It should be
noted that credit card data can be found in log files, audit trails, databases and
backups.
When addressing the above 12 requirements, there are three steps to help simplify
the process of ensuring
Three of the most concrete way to

comply with PCI data security
standards to General retailers
I.
Operating the business in accordance

with the PCI data security standards.
Remember you can not keep any customer
card details without the secured approved
methods of on the security specifications such
as the global pay recurring Billing and Virtual
Terminal.
II.
Use a processing equipment model

passed only to PA-DSS security checks,
which reduces the odds to be leaking. Please
replace it with equipment provided by Global
Payments
III. Security Self-assessment Questionnaires

Global Payments PCI ASSURE program help s merchants
simplify PCI compliance with online access to security
self-assessment questionnaires.
Once a year, Merchants Should get pass the test called
Security Self-Assessment Questionnaire to be qualified
for PCI Compliant.
FIRST STEP TO COPMPLY

PCI COMPLICACE
1. GET HELP FROM PCI ASSURE SERVICES

Global Pays PCI ASSURE program to help merchants simplify
PCI compliance with online access to security selfassessment questionnaires, regular system scans, breach
insurance and custom security profiles generated from the
business processing activity.
2. Get Pass Security Self-Assessment

Questionnaire
Once a year, Merchants Should get pass the test called
Security Self-Assessment Questionnaire to be qualified for PCI
Compliant.
NEXT STEP IS COPMPLY

PCI HARDWARE COMPLICACE
Upgrade to
PCI Certified
Equipment
Global Payments helps remove the risk of noncompliance through support of PCI security
assurance and chip card payment solutions with
payment of various PCI Certified equipment only
Do you know how

it is important to remove the risk
of non-compliance through a PCI
Certified equipment only
PA-DSS APPROVAL
Ongoing testing by third-party labs ensure that all
payment applications follow these new standards
STORED SECURELY
Primary Account Number
Cardholder Name
Expiration Date
CARDHOLDER
DATA
Processor
NOT STORED
Full Magnetic Stripe Credit

Card Security Code PIN
Data**
Global Payment helps remove the risk of noncompliance through support of PCI security
assurance and chip card payment solutions with a
various PCI Certified equipment
How does your POS Equipment factor into this?

Payment Processing Hardware Compliance
We strive to keep you informed about

important compliance
PCI-PA DSS mandates and regulations
affecting your business.
Current Card Association mandates require that all
merchant acquirers and acquiring processors begin
retirement of PIN Pad and
terminal devices that are not PED compliant (non lab
evaluated), are not TDES encrypted or that are on Visas
known-compromised device list.
Non-compliant devices must be removed from service no
later than
July 1, 2010, and known-compromised devices should be
removed from service as soon as possible.
NON-PED-COMPLIANT DEVICES:
Are typically referred to as non lab evaluated or
vendor attested devices
Typically only support the less secure SDES and do
not support the more robust TDES encryption
KNOWN-COMPROMISED DEVICES:
Appear on Visas known-compromised list
Pose an elevated risk of breach of cardholder
information
Can subject merchants to a risk of fines up to
$500,000 per incident from Visa , MasterCard or
other Card Associations if cardholder information
is compromised in any way
NON-COMPLIANT
DEVICES
NONCOMPLIANT
DEVICES
POSSIBLE
REPLACEMENT
DEVICES
Hypercom ICE 5500
VeriFone Vx510LE (3730LE)

or Hypercom T4220
Ingenico eN-Crypt 100 PIN Pad

IVI Sentinel PIN Pad
Lipman Nurit 2085 Terminal
Lipman Nurit 2085+ Terminal
VeriFone PP 1000SE
PCI-PED
Add the external PIN Pad
VeriFone PP 1000SE
PCI-PED

NCR 5945 PIN Pad
NCR 5991 PIN Pad
VeriFone Mx830 or Vx850
NCR 5992 PIN Pad

Thales Talento T-IPP Terminal
Thales Talento T-IPPS Terminal
Thales T-Pad PIN Pad
VeriFone Omni 3210 Terminal

VeriFone Omni 470 Terminal
VeriFone Omni 490
VeriFone PIN Pad 1000
VeriFone PIN Pad 1000SE
(160 Firmware)
VeriFone Mx830 or Vx850

VeriFone PP 1000SE
PCI-PED
VeriFone PIN Pad 1000SE G-Site

(160 Firmware)
There is no PCI-PEDcompliant device for

G-Site Fuelman.
VeriFone SC5000 PIN Pad

(Pulsar and Stardust model)
VeriFone SC5000 PCI-PED
Do not operate NON-COMPLIANT AND KNOWN-COMPROMISED PIN ENTRY

DEVICES. IT COULD BE THE REASON OF DATA BREACH and Non PCI Fines up
$500.000
STOP TO OPERATE NON PCI

COMPLIANT TERMINAL OR MAY
RESULT IN FINES UP TO$500,000
NO LONGER PCI COMPLIANT TERMINALS
STOP TO USE NON PCI COMPLIANT TERMINALS ABOVE
AS OF JULY 2010, MERCHANTS ARE REQUIRED TO USE ONLY *PCI PADSS VALIDATED POINT OF SALE AND PAYMENT APPLICATIONS. NON PCI
COMPLIANT TERMINALS MUST BE REMOVED 7/10/2010.
As of July 2010, merchants are

Nearly Half Of The
Data Breaches
Occur
Are Through
Point Of
Sale (POS) Terminals That Are
required
toThatuse
only
PCI-PA
DSS
Out Of Compliance such terminals Listed Credit Above, No Longer PCI Complaints. These Credit Card
Terminals also do not qualify
credit cards correctly
resulting
in higher
fees and surcharges. Financial
validated
point
of sale
and
institutions enforce the requirement for an annual PCI security self-assessment, Quarterly network scans and use
only PCI PA-DSS validated point of salepayment
and payment applications
and can levy fines for non-compliance. If your
applications.
POS Equipment is non-compliant, you will automatically FAIL YOUR PCI ASSESSMENT, and could lose the ability
to accept credit cards. Also youre putting your customer information and possibly your entire business in
jeopardy. Businesses that use noncompliant credit card processing equipment are at high risk for a data security
breach. A data breach while out of compliance could result in
Forensic investigation of your POS system = $10,000-$20,000

Reimbursement for purchases made using stolen cards
Replacement for stolen credit cards = $20-$30 per card. (Just 1,000 cards means $20,000$30,000)
A nearly priceless loss of Brand Equity
Upgrade PCI
Compliant
Processing
Equipment
Fines for Non-compliance with the PCI standard. Fine Up to $500,000 with VISA
and up to $200,000 with MasterCard
Even if you do not suffer a data breach, noncompliant credit card processing terminals can cause
major headaches including slower
Central Payment Helps You UPGRADE TO PCI & EMV APPROVED PAYMENT
PROCESSING EQUIPMENTS That FIT YOUR BUSINESS AND Help BECOME A PSS
& EMV COMPLIANT
VX520 Dual Comm Terminal

VX680 Wireless Terminal
GPay Tablet POS
WE HELP YOUR BUSINESS BECOME A

PCI COMPLIANT & EMV READY
LET US TALK ABOUT
EMV COMPLIANCE
What is EMV?
or chip card acceptance?
This EMV thing is everywhere!
What does it mean?
What is a EMV Card?

A EMV card resembles a credit card in size and shape, but inside it is completely different. First of all, it has
an inside -- a normal credit card is a simple piece of plastic. The inside of a smart card usually contains an
embedded microprocessor. The microprocessor is under a gold contact pad on one side of the card. Think
of the microprocessor as replacing the usual magnetic stripe on a credit card or debit card.
What is the Card

called?
Anatomy Of Smart Card
As the US payment industry transitions to

EMV technology, there is a lot to adjust to,
starting with the terminology. The following
terms all mean about the same thing:
Smart card
Chip card
Smart-chip card
Chip-enabled smart card
Chip-and-choice card
(PIN or signature)
EMV smart card
EMV card
Global Payment Protects Your Fund
What is EMV?
EMV (Europay, MasterCard and Visa), originally referred to the
founding organizations in 1994, is a global standard for credit and
debit card processing designed to replace magnetic stripe cards.
EMV stands for Euro MasterCard Visa. Its a technology also
referred to as chip cards and is currently widely used across the
globe, originating in Europe almost ten years ago. Instead of using
the standard, magnetic stripe card to store credit card
information, EMV technology allows for the sensitive credit card
data to be stored on a small computer chip within the credit card.
This carries big advantage:
Its harder to counterfeit a LOT harder. Magnetic stripes are
unfortunately easy for a fraudster to copy. All a fraudster needs to
do is steal your card for a few minutes (or place a card skimmer
over an ATM) and theyve just digitally copied your card for future
use. EMV greatly reduces this issue, by dynamically sending
information to credit card terminals, which makes copying the
chip incredibly complicated. In a nutshell it almost fully
eliminates the potential that your credit card can be physically
copied.
The rules are changing. After

October 1, 2015, merchants
that accept chip will
be protected from fraud losses
resulting from in-store
counterfeit magnetic
stripe card transactions just as
you are today. However, liability
will shift from
issuers to merchants if their
payment terminals are not chipenabled for in-store
transactions. Fraud liability for
lost or stolen cards varies by
payment network.
Contact your acquirer or
payment services providers for
more information and
to see if chip terminals are right
for your business
When was the EMV deadline? Oct. 1st 2015

Why Merchant Need to Be ready For EMV?
Visa U.S. Merchant EMV Chip Acceptance Readiness Guide
EMV LIABILITY SHIFT

Why it pays to adopt new technology
EMV chip technology is rolling out to consumers and merchants in

the United States. Visa chip cards protect in-store payments by
generating a unique, one-time code needed for the transaction to
be approved. This feature makes it virtually impossible to
counterfeit cards, helping to eliminate in-store fraud.
Click Here To Learn about EMV LIABILITY SHIFT
EMV Liability Shift

Why Merchant
Need to Be ready
For EMV?
Visa U.S. Merchant

EMV Chip Acceptance
Readiness Guide
When was t
he EMV
deadline?
Oct. 1st
2015
UPGRADE TO PCI & EMV APPROVED PAYMENT PROCESSING EQUIPMENTS

FIT YOUR BUSINESS AND BECOME A PSS & EMV COMPLIANT
Who does EMV impact

to Merchants?
The checkout experience will change.
Rather than swiping cards, consumers will
insert them into a card reader (many are
calling this action dipping). The user only
removes the card after the device prompts
that the transaction is complete. Clerks will
rarely handle cards, and will need to watch
for those forgetting cards after EMV
transactions.
How does EMV

technology work?
Your EMV-enabled device will communicate
with the chip inside the customer's smart
card to determine whether or not the card is
authentic. Generally, the terminal will
prompt the customer to sign or enter a PIN
to validate their identity. This process
enhances the authentication of both the
card and cardholder, effectively reducing
the possibility that your business will accept
a counterfeit card or be held liable for a
fraud-related chargeback.
How does EMV technology work?
The first reason to upgrade

to A EMV Ready Terminal
Within the United States, new legislation set to be in place from
October 2015 will shift the burden of liability to the merchant for
fraudulent transactions in cases where the merchant doesnt have an
EMV enabled POS device installed.
Counterfeit Card Fraud Liability Example
Upgrade To EMV Ready Equipment

Global Payment Helps You UPGRADE TO PCI & EMV APPROVED PAYMENT PROCESSING
EQUIPMENTS That FIT YOUR BUSINESS AND Help BECOME A PSS & EMV COMPLIANT
To Learn More, Sign up For free consultation by calling James Lee at 917-930-3945 or request via email to james.Lee@globalpay.com
Why Upgrade to
A EMV Ready Terminal
The second reason to

replace it with a POS
device to the EMV
Ready Terminal
Effectively reducing the
possibility that your business
will accept a counterfeit card or
be held liable for a fraud-related
chargeback.
The third reason to replace it

with a POS device to activate the
EMV ready terminal
Accepting Future Payments and
it helps your business grow faster
Any new technology undergoes a period of adaption
and experimentation, implementing new features
over time.
Our Future-Proof Payment Processing Equipment
supporting EMV is sophisticated and feature-rich,
incorporating trending technologies that will grow in
acceptance of Mobile Wallets such as Apple Pay,
Android Pay, Samsung Pay with Near Field
Communication (NFC)

Global Payment Helps You UPGRADE TO PCI & EMV APPROVED PAYMENT
PROCESSING EQUIPMENTS That FIT YOUR BUSINESS AND Help BECOME A PSS
& EMV COMPLIANT
The 4th Reason Why Upgrade to

A EMV Ready Terminal is
to help you become PCI Compliant
Replacing the EMV Approved equipment helps not only reduce

the probability of data breach and helps you become PCI
Compliant because All of EMV Approved Payment processing
equipment is also the kind of PCI DSS Certified..
It protects your Business from the
cyber attacks with EdgeShield.
Because Our EMV solution is
part of EdgeShield which is a
collection of security-related
components designed to
eliminate existing vulnerabilities
within the payments chain.
Fines for non compliance with the PCI DSS

MasterCard and Visa can charge fines (which are expressed in US Dollars) for non compliance
with the PCI DSS regulations. The fines would be in Sterling equivalents based on the relevant
exchange rates.
MasterCard's quarterly escalating fines for non compliance are:


Global Payment Helps You UPGRADE TO PCI & EMV APPROVED PAYMENT PROCESSING
EQUIPMENTS That FIT YOUR BUSINESS AND Help BECOME A PSS & EMV COMPLIANT
Why Stop to operate

Terminals (not chip-enabled)
Terminals (not chip-enabled)
Result of operating
Above Terminals
(not chip-enabled)
The rules are changing. After October 1, 2015, merchants that accept chip
will be protected from fraud losses resulting from in-store counterfeit
magnetic stripe card transactions just as you are today.
However, liability will shift from issuers to merchants if their payment

terminals are not chip-enabled for in-store transactions.
Fraud liability for lost or stolen cards varies by payment network.
Contact us for more information and to see if chip terminals are right for
your business
Upgrade
to A EMV
Ready
Payment Processing Equipment

VX520 Dual Comm Terminal
VX680 Wireless Terminal
GPay Tablet POS
FUTURE PROOF
PAYMENT PROCESSING
EQUIPMENTS
Global Payment Helps You UPGRADE TO PCI & EMV

APPROVED PAYMENT PROCESSING EQUIPMENTS That FIT
YOUR BUSINESS AND Help BECOME A PSS & EMV
COMPLIANT
Free Cpays Payment Processing Equipment Program
Free EMV & PCI Compliant Equipment

For Secured payment processing
Free
VX520 DC
Terminal
Free VX520 Dual Comm

Terminal
Free VX680 Wireless Terminal
Free CPAY -Tablet Base Mobile
POS - CPay Tablet Commercial
Free CPAY POS Restaurant
Free CPAY POS

Restaurant
Free VX680
Wireless Terminal
Free
CPay Tablet Commercial
Your Free
Signing Gift
Your Free Signing Gift
Free CPay Terminal VX 520 DC
Free
INTRODUCING
VX520 DC
Free Equipment Program
Free
Free VX520 Dual Comm Terminal could be the best Choice payment
processing Equipment that fits In your restaurant business
Verifone VX520DC
Future Proof Payment Processing Terminal
Affordable bundled solutions

Credit card terminals for multiple stylists/salon stations with built-in tip
functionality
Touch-Screen Point of Sales (POS) systems available
NFC enabled terminals for Apple Pay and Google Wallet
Swift funding to your bank account
Free 24/7 customer support
Top notch security: PCI compliant
Your own personal account representative
Brand-able gift and loyalty cards
Free
Free VX520 Dual Comm Terminal
Free VX520 Dual Comm Terminal - EMV & PCI Certified
Free
Will you be ready?
If you have one of the following terminals today, you are
NOT ready to accept EMV/NFC transactions:
Visa is announcing plans to accelerate the migration to contact and contactless

EMV chip technology in the United States. The adoption will help prepare the
US payment infrastructure for the arrival of mobile payments and EMV.
VISA, August/2011
We are starting to see an evolution from typical static magnetic stripes cards to
more intelligent devices such as EMV chip cards and NFC mobile phones.
Forbes, March/2013
EMV
Contactless
With over 1 billion payment

cards
worldwide, EMV is fast
approaching in the
U.S. as the new payment
standard.
By 2014, 1 in 5
smartphones will be
equipped with NFC
contactless
payment functionality.
Mobile Payments
Mobile payments in the
US will reach $90 billion
by 2017. Accept
payments
everywhere now.
VX 520 DC Enables You

Process The Virtual Wallet
Payment Such As Apple Pay,
Samsung Pay & PayPal
Become a winner
in mCommerce
Apple Pay is making Near Field Communication(NFC)payments possible for over
20million iPhone6 owners across the globe.
41%of iPhone users have made purchases on their mobile phone.
2Million mobile payment transactions occur everyday.
Apple Pay is accepted at hundreds of thousands of
stores. And counting.
Apple Pay is accepted in grocery stores, boutiques,
restaurants, hotels, and so many places you already
enjoy. And, you can use Apple Pay to pay in some of
the most popular apps in the App Store.
Now Your Turn To Be Ready

For Apple Pay!
Free
Upgrade To VX 520 DC
Will you be ready?

If you have one of the following terminals today, you are
NOT ready to accept EMV/NFC transactions:
Visa is announcing plans to accelerate the migration to contact and contactless EMV chip
technology in the United States. The adoption will help prepare the US payment infrastructure for
the arrival of mobile payments and EMV.
VISA, August/2011
We are starting to see an evolution from typical static magnetic stripes cards to more intelligent
devices such as EMV chip cards and NFC mobile phones.
Forbes, March/2013
EMV
With over 1 billion
payment cards worldwide,
EMV is fast approaching in
the U.S. as the new
payment standard.
Contactless
Mobile Payments
By 2014, 1 in 5
smartphones will be
equipped with NFC
contactless
payment functionality.
Mobile payments in the

US will reach $90 billion
by 2017. Accept
payments
everywhere now.
SWITCH TO GLOBALPAY
Gain A Free Equipment
Upgrade
Not Only Protect Your Business But Also

Help Make More Sales With Your Free
VX520DC EMV & PA-DSS Approved
Claim A Payment Equipment
Offer Expires Soon..

The Sooner You Switch,
The More You Save!
Do Not Operate Non EMV & PCI Compliant Credit Card Machines or
May Result in Fines And Penalties Up To $500,000.
FOR FREE EMV & PCI COMPLIANT EQUIPMENT!
Your Additional Benefit Is to run Cpay

With FREE VX520 DC
Apply For VX520 DC
Your Free Terminal
+ Free Gift Card Program
Free
processing Equipment that fits In your business
The More Your Business Value

With VX 520 DC
Is To Enable You Process The Virtual
Wallet Payment Such As Apple Pay &
PayPal
Apple Pay is making Near Field
Communication(NFC)payments possible for over
20million iPhone6 owners across the globe.
41%of iPhone users have made purchases on
their mobile phone.
2Million mobile payment transactions occur
everyday.
Apple Pay is accepted at hundreds of thousands of stores. And counting.
Apple Pay is accepted in grocery stores, boutiques, restaurants, hotels,
and so many places you already enjoy. And, you can use Apple Pay to pay
in some of the most popular apps in the App Store.
Now Your Turn To Be Ready For Apple Pay!
Your Free
Signing Gift
Sign Up for
Free consultation
Free
James Lee M. 917.930.3945
http://b2breferral.wix.com/home
Free
Your Free
Signing Gift
Introducing VX 805 PIN pad
NEXT-GENERATION CONTACTLESS
VeriFones powerful, fast VX 805 PIN pad provides everything needed to
securely accept payments and other transactions, with the agility to quickly
embrace future technological change, including NFC mobile commerce and
EMV. The sleek device is easy to hand over, simple to use and exceptionally
rugged to stand up to the most demanding retail environments. It also offers
the latest security protections including full compliance with PCI PTS 3.X
plus EMV Level 1 and 2 Type Approval. All this, plus the assurance that comes
from VeriFone, the worlds leader in payments.
Click Here to Download Brochure
www.cpay.com
A Join Venture
Wireless Terminal
VX 680
VX 680
BRILLIANT PAYMENTS
ANYWHERE
Go places with Verifones VX 680. Specifically tailored to the needs of

merchants on the move, this full-function, portable payment device is
power packed with performance. Businesses from delivery services and
stadium vendors to restaurants will benefit from wireless connection
options, lightning-fast processing speeds and the reliability and security of
the proven VX platform.
SMALL DESIGN, BIG PERFORMANCE
Free
Your Free
Signing Gift
VX 680 Wireless Terminal Free Program
Delivers wireless connection through GPRS or Wi-Fi/Bluetooth

combo or 3G to meet any environment requirement
Empowers mobile payments with Verifones NFC software
technology
Supports loyalty-building, profit-producing and value-added
applications
Offers maximum security and compliance with end-to-end
encryption
PCI PED 2.0 and PCI PTS 3.0 approved
Click Here to Download VX 680 Brochure
Call James Lee at 917-930-3945 or email to : AplusPayments@gmail.com and receive the

Free VX680 Wireless Terminal With the world best payment processing services plan
www.cpay.com
A Join Venture
Wireless Terminal
VX 680
BRILLIANT PAYMENTS
ANYWHERE
Your Free
Signing Gift
VX 680
VX 680 Wireless Terminal
Go places with Verifones VX 680. Specifically tailored to the needs of

merchants on the move, this full-function, portable payment device is
power packed with performance. Businesses from delivery services and
stadium vendors to restaurants will benefit from wireless connection
options, lightning-fast processing speeds and the reliability and security of
the proven VX platform.
SMALL DESIGN, BIG PERFORMANCE
Delivers wireless connection through GPRS or Wi-Fi/Bluetooth

combo or 3G to meet any environment requirement
Empowers mobile payments with Verifones NFC software
technology
Supports loyalty-building, profit-producing and value-added
applications
Offers maximum security and compliance with end-to-end
encryption
PCI PED 2.0 and PCI PTS 3.0 approved
Click Here to Download VX 680 Brochure
Your Free
Signing Gift
Introducing
CPay Tablet Commercial
Free
Learn About Your Choice of EMV & PCI Compliant payment

processing Equipment that fit your restaurant business
INTRODUCING
HOW
FREEPOS SYSTEM
CAN MAKE YOUR BUSINESS
DIFFERENT
The World's Finest Bundle As A Service POS System
Why You Should Take An Advantage

With Free POS System Instead of
Paying $10,000 plus on other
similar POS products?....
With Only $39-$69 per month for POS System, You
will get everything You need.
SEE WHAT'S INCLUDED
At The Next Page
917-930-3945
Which Free POS System

Is Best Fit For Your Business?
Let us Choose Right POS System!
r-- -
A Little Bit Of Monthly Services Fee Included

Free of POS Hardware & Software
Free of Hardware & Software For Payment Processing
EMV, PSS & NFC Certified
24/7 365 Unlimited Support
POS System For Retail
RiO
All-In-One Compacted
POS System
Restaurant POS System
$69/month
CPAY POS System

For Restaurant
$69/month

Simple but powerful, RiO looks
good on your business
countertop.
Tablet POS System
iPad POS
$8.00/month
As we learn about your business unique needs,

We recommend RIO POS System as a primary choice.
RIO has a great feature helping your business grow and RIO
supports EMV, Mobile Payments & PCI Compliant
http://rio.cpay.com/

Introducing RIO POS System
RiO
Simple but powerful, RiO looks good
on your business countertop.

The World's First Bundle As A Service POS System

$60.00/Month INCLUDED
A Complete Retail Specific POS Hardware

System
On Site Hardware Servicing**
Advanced Cloud Based Retail Management
Software - V20
Fully Integrated and Certified EMV
Payment Processing*
Future Ready Verifone EMV Pin Pad
Unlimited Cloud Hosting and Back Office
Access
Delivery and Set Up

Unlimited Technical Support
Unlimited Program and Feature Updates
All Inclusive Monthly Fee Locked In For
5 Years*
Hardware Replaced Every 5 Years

Free Gift Card Solution

With RIO
MyGiftCentral Gift Cards
Give the Gift of Giving
Build a return customer base with our gift card program.
MyGiftCentral is the key to brand recognition and loyalty. Choose
from an array of beautiful signature cards or customize your own
design at MyGiftCentral. Gift card popularity is rising every year and is
the most sought after and requested gift for all occasions. Attract new
customers, increase brand awareness, improve sales and reduce fraud
with your new CPAY gift cards.
www.cpay.com/solutions/mygiftcentral
James Lee

Contact James Lee at
917.930.3945 or Via email to
Account Executive
http://cpay.com/
A Revolution On Your Payment Processing
We Double Up Your Benefit

Your Business
Benefits With RIO
POS System
Your Business
Benefits On Your
Payment Processing
Take the great feature

and benefits of RIO POS with your incredible additional
values on Payment processing with Central Payment Payment Processing Industry Leader
SpotOn Loyalty Program
Keep your customers coming

back for more
Acquire. Retain. Repeat.
An all-in-one marketing program at your fingertips.
Increase your brand loyalty, take control of your marketing campaigns and
develop a great online reputation. With SpotOns powerful tools, its easy to
dissect real-time marketing data to attract new customers and keep them
coming back for more.
Customer-Centric Loyalty
Keep your customers coming back for more.
Develop a loyalty program with custom-built incentives that your
customers want.
www.spoton.com
INTRODUCING
FREE
POS SYSTEM
For Restaurant
Introducing
Free CPay POS Restaurant
A Join Venture
i f . . . - .
CPAY POS Restaurant is a full featured POS

solution that offers high performance capabilities
from its hardware and software components.
Gone are the days of settling for mediocre
solutions that are just enough to get by.
Welcome to the new age where enterprise
solutions with exceedingly fast performance are
at your fingertips
A Join Venture
CPAY Point of Sale

Do more.
Built exclusively to handle the restaurant
and food service industry, CPAY Point of
Sales software is specially tailored for
tasks common to restaurants. Run your
business smoother and do more with
CPAY Point of Sale
Spend Less Time Training

CPAY Point of Sales software is intuitive and easy to learn.
Your restaurant staff will take less time at the screen and
have more time with your guests, turning every table over
quickly and efficiently.
The Quick Pay screen is a life-saver for happy hour and

dinner rushes. Its a shortcut for popular items, and
minimizes unnecessary screens, so you can ring up
your customers faster.
CPAY Point of Sale is built to get orders in fast

and completed easily. Use Employee Cards to
quickly log in. Print front room orders to kitchen
printers to reduce miscommunication. Use a USB
barcode scanner to add and quickly select menu
items. Select the floor plan screen to track open
tickets at every table. And for those that sell by
weight, like yogurt shops, you can attach a
weight scale to get quickly ring up that weightbased order
Manage and Control

With CPAY Point of Sale, youre in the driver seat. All the tools to help your business succeed is at your
fingertips: add or remove menu items, adjust pricing and tax amounts, create table layouts, design a Quick
Pay screen, develop happy hour specials, schedule staff shifts and adjust time cards.
And with CPAY Point of Sale Home Office, you can access your reports from home
Packing the punch where it counts.

Built with the latest 4th generation Intel
processor, the Lenovo
unit packs more processing horsepower than
any traditional
POS hardware solution in the market today.
The system is built
with specially designed fans to run quietly
while consuming
the least amount of power. That means less
strain on the
system and extending the life of the hardware.
What s included
in the bundle:
ELO Bezel-free
Touchscreen Monitor
Lenovo M73 Tiny
Workstation
Bixolon Thermal Printer
AGP Electrical Power
Conditioner
TP-Link Firewall/Switch
AVG Anti-Virus Cloud Care
CPAY POS Software
Magnetic Card Reader
Cash Drawer
24/7 Technical Support
Software Configuration &
Training
ELO 15-inch Bezel-Free Touch Screen

Monitor with ELO Magnetic Card Reader
Lenovo Enterprise-Level M73 Workstation
Bixolon Thermal Receipt Printer
Cash Drawer with Cash Till
CPAY POS Restaurant Software
24/7 Technical Support
APC Electrical Power Conditioner
TP-Link Firewall/Switch
Symantec Endpoint Protection
Software Configuration and Training
Additional Cash Drawer
Additional Cash Till
Network 2-Color Kitchen Printer

Weight Scale
Network Powerline Adapters (Set of 2)
Employee ID Cards (Pack of 15)

USB Barcode Scanner
CPAY Point of Sale Home Office (Service)
Free CPAY POS
Simple. Powerful. Feature-rich.

Having the right software to help run a business is a critical component to the
overall success of the business. With CPAY POS, merchants will have the ability to quickly setup,
create, and change settings right on
the system. The software was created to help bars and restaurants run smoothly while consistently
improving on reliability and ease
of use. The intuitive interface let users spend less time in front of the computer screen and more
time with guests while helping
staff and managers complete tasks efficiently in a way that works best for them and their business.
Full Featured Point of Sale

Analytics Generate and audit sales records from anywhere with over 70 built-in reports
Customized menu setup provided by CPAY with unlimited real time updates
Process all major forms of payments Card, cash or check and track each transaction in one
place
Cash Drawer, receipt printers, kitchen printers, bar code scanners and employee ID cards
Customizable order entry & ticket handling with ad hoc messaging services
Automatic software configuration, updates with Anti-Virus Cloud Care software and firewall
included
Complete employee database
PCI Compliant turn-key solution
To learn more, Sign up for free consultation with James Lee.

Call James Lee at 917-930-3945 or email to : AplusPayments@gmail.com
Enterprise level solutions

at your fingertips..
Software features include:
Table Management
Open Tab Holds and Ticketing
Order Firing
Financial Overview Snapshots
Employee Shift Management
Ticket Combinations
Spoilage Management
Cross Station Messaging
Payroll and Shift Reports
Frequent Purchasing Tracker
Fresh Sheets
Security without the fuss.

Merchants will have peace of mind with CPAY
POS with the added security
of having AVG Anti-Virus Cloud Care. Along
with a direct access to 24/7
Support using AVG Cloud Care, the system
will have a maintenance and
worry-free anti-virus system that has an
always on prowl feature that
protects the systems from unwanted
malware and viruses.
Enterprise level solutions

at your fingertips..
CPAY POS Accessories & Extend Services Available
CPAY POS Accessories

Thermal Receipt
Printer For Kitchen
(Ethernet)
Merchants can assign
additional printers to different
stations at the restaurant.
Cash Drawer
Merchants can purchase
additional cash drawers to help
with cash management.
Cash Drawer
Network 2-color Kitchen Printer
Thermal Receipt Printer
Customer Display
Employee ID Cards (Pack of 15)
Weigh Scale (16OZ)
Barcode Scanner
Additional Network Cable Bundle
(25ft)
Powerline Adapter
Power Conditioner
Firewall/Switch
Cash Till
Extend Services Available

AVG Cloud Care (25GB)
CPAY POS Home Office
UPGRADE
Your Restaurant Business
With Free CPAY POS
An all-inclusive hardware
and software solution
QUALITY AND WORLD-CLASS POS
SYSTEM FOR
ONE ORDER OR ONE MILLION ORDERS
Free CPAY POS
Sign up For free consultation by calling James Lee at 917-930-3945 or request via
email to AplusPayments@gmail.com
INTRODUCING
FREE
Tablet POS SYSTEM
For Retail & Restaurant
Free
Introducing
Mobile POS
System
Mobile POS System
Ring up sales faster

and manage your
business better with
CPAY Tablet POS
Free
Easily works
with your
Mobile POS
System
CPAY TABLET MAKES ACCEPTING PAYMENTS

SIMPLE.
Fast & Easy Save time at the counter and boost sales. The
intuitive tablet app quickly accepts all forms of payment.
Durable, Yet Sleek The smart and stylish design gives your
countertop and customer experience a total makeover.
100% Customizable Update product catalog, tip settings

and more in seconds.
Future Proof Receive automatic updates with new features

at no additional cost
PCI approved
Ring up sales faster and manage

your business better with the new
CPAY Tablet
Free
CPAY TABLET MAKES ACCEPTING PAYMENTS SIMPLE.

Fast & Easy Save time at the counter and boost sales. The intuitive tablet app quickly accepts all forms of
payment.
Durable, Yet Sleek The smart and stylish design gives your countertop and customer experience a
total makeover.
100% Customizable Update product catalog, tip settings and more in seconds.
Future Proof Receive automatic updates with new features at no additional cost
PCI approved
All The Features That At The Most.
What comes in the box?

8-inch White Android ASUS Tablet
White Tablet Stand Enclosure
Encrypted Audio Jack Magnetic Card
Reader
Wall Charger with Micro-USB Cable
CPAY Tablet requires an $8.00 monthly gateway fee per device.
CPAY Tablet does not support any PIN-debit transactions.
Accept card and cash

Easily add & update products
Print or email receipts
Customizable tip options
Secure signature capture
Real-time reporting
Works offline: no selling downtime
End-to-end encryption of transactions
Built-in digital marketing tools to engage
customers via email, mobile and social media
Thermal Receipt Printer

(Ethernet)
Merchants can assign additional
printers to different stations at
the restaurant.
Cash Drawer
Merchants can purchase
additional cash drawers to help
with cash management.
Ethernet 4-port
Switch
Expands merchants
existing router port
capacity and firewall
intrusion protection.
A free consultation brings the great benefits helping your business.

Follow James Lee : Facebook LinkedIn Twitter
Free CPay Tablet Commercial
Free
INTRODUCING
FREE
Central Pay
The Payment Solution
On The Way
Free
Central Pay
Mobile Payment
The Solution
For Pay On The Way
CONVERT!
High Risk Sales-Card
Not Present
To Low Risk Sales-Card
Present
Easy & Faster-No Paperwork
More Strong Charge Back Defense
Reduce Cost-Card Present Rate is
lower Than Card Not Present
Feature and Benefits of

Global Pay Mobile Payments
Introducing
CPAY mobile
point-of-sale solution
CPAY Mobile Payment :
Additional Free Equipment Helping Your Business Growth
FREE Credit Card Reader & FREE App W/ No Gateway Fee
On The Go, On The Delivery

Our CPAY mobile point-of-sale solution easily attaches to your
mobile device(Apple or Android).
With a quick download of our app, merchants are ready to start
processing in minutes.
One of our best selling products this year, CPAY Mobile gives our
merchants the freedom and flexibility to accept transactions
anywhere.
Start accepting credit cards

quickly, simply, and on the go.
Enjoy a FREE credit card reader
when you sign up with Central
Payment
processing.
No gateway fees
Simple app download & setup
FREE Credit Card Reader & App
Valid on all new Central Payment accounts.

Apple Devices: iPhone 3GS or newer running on
iOS 5 or higher.
iPads: iOS 7 or higher.
Android Devices: 4.0 or higher.
CPAY Mobile Payments Anywhere

Whether you have a mobile food truck, have a
farmers market stand or turn an 8-foot table into
an ordering window, CPAY Mobile is always ready to
take payments.
When you cant use a traditional credit card
terminal, cut the cords and enjoy the convenience
of payment processing with CPAY Mobile. Its little
card reader fits neatly in your pocket and is
compatible with a wide variety of smart phones
and devices. Compact and versatile, CPAY Mobile is
powering the next generation of secure card
acceptance.
Free Card Reader
Secure and Encrypted
Well make the negotiation process easy for

you: Its free! The card reader fits into the
standard 3.5mm headphone jack found on
most smart devices.
Simply put, it is the fastest, most costeffective way to process transactions.
Process transactions safely with endto-end encryption. Our mobile card

reader is PC-DSS certified, which
prevents card fraud.
Sign on the Dotted Line

Digitally capture signatures and email
customer receipts with a few clicks and
swipes.
Heres a Tip
With a tip percentage screen, getting
tips has never been easier
Make Bookkeeping Easier

Get organized with reports that can be
accessed online from your browser
Everything You Need and

More
Setup your store, input products, process
sales transactions, void a transaction, issue
refunds, collect tips, email receipts, and
more.
www.cpay.com
A Join Venture
CPAY Mobile Payments Anywhere
CPay Mobile Payments Helps:

Accept Credit Card Payments
Wherever Your Customers Are.
CONVERTS From High

Risk Sales-Card Not
Present To Low Risk
Sales-Card Present
Easy & Faster-No Paperwork
More Strong Charge Back Defense
Reduce Cost-Card Present Rate is
lower Than Card Not Present
Learn more from your personal Account Executive , Call James Lee at 917-930-3945
or via email: AplusPayments@gmail.com
INTRODUCING
FREE
Central Pay
PayhubVirtual
Terminal
Manage Payments in One Place
PayHubVirtual Terminal
Manage Payments in One Place
Your Choice: Manual

or Swipe
Sales, Refunds, Voids,

Auth Only and Offline
Manually enter credit card

information or use a USB
swiper. Unlike other virtual
terminals that offer only
manual entry, its your choice
with PayHub.
PayHubs virtual terminal can

do more than just credit card
sales. It also can perform
refunds, authorizations (for
delayed captures) and offline
transactions too!
Track Your Customers

PayHub allows you to track
each customer. Use that
information to learn spending
habits and contact them for
personal marketing.
PayHub
Set Up Recurring Bills

Need transactions on a
repeating schedule?
PayHubs virtual terminal has
recurring bills built-in, with
wide range of scheduling
option
Customized to Your
Business
Its easy to customize PayHub to
your business. Enter default
shipping and tax rates. Brand
receipts with your business name,
logo and address
Your Next Generation Virtual Terminal

Use your browser to take credit card payments.
User Management
Give each of your
employees separate logins
for your account and
manage their permissions.
About PayHubVirtual Terminal

Browser-based transaction processing
Supports all major credit, debit and EBT
cards Supports face to face, telephone
and Web ACH check transactions
Provides near real-time, browser-based

reporting
Transaction processing and real-Time,

online reporting capabilities
PayHub VT is a secure, virtual terminal (VT)
solution for processing all major credit, debit,
EBT cards and ACH Check with fast
transaction times. This offering also enables
customers to be configured for Recurring
Payments in an automated fashion. The
application supports commercial card Level II
enhanced data, qualifying the merchant for
lower interchange costs.
The VT application offers data retrieval and management

information reporting 24 hours-a-day. This dynamic
solution is available through a Windows 7, XP or Vista
Business PC, utilizing Internet Explorer 7 or 8. Using this
solution, retail, restaurant, mail order/telephone
order (MOTO) and eCommerce merchants have
immediate, convenient and secure access to transaction
processing and can obtain critical, current and historical
business information with point and click ease.
Features and Benefits
Complete browser-based transaction processing

Supports recurring billing transactions
Supports an unrestricted number of simultaneous
users
Real-time reporting of critical information with
extensive online search capabilities
Employs industry standard secure data encryption
technology 128-bit Secure Socket Layer (SSL)
Handles large number of transactions
Supports card swipe, PIN entry and ACH check
guarantee transactions
Easy-to-use, cost-effective interface requiring little

or no disk space on PC; automatic application
upgrades
Reduces overhead by automating recurring
transactions and providing service support
Increases merchant productivity
Streamlines back-office operations for transaction
reporting and searches
Encryption levels safeguard customer information
Minimizes number of settlements delivering
maximum uptime, increasing customer
satisfaction at checkout
Increases customer satisfaction by accepting
multiple forms of payment
Turn Browsing Into Buying
Our web-based solutions make it easy for you to turn your computer or
laptop into a way to accept payments online, in person or on the go!
Quickly diversify or expand the ways you can accept payments with our secure, flexible online options. Accept the
combination of credit, debit, check or direct debit that best meets your business needs. Automate payment plans to reduce the
expense of accounts receivable and collections. Plus, if cash ~ ow is important to your business, youll bene~ t from how
quickly we deposit proceeds from your card sales into you bank account. Its your funds...faster!
Virtual Terminal
Recurring Payments
Completely web-based (no software

to install), simply log in to accept
payments from a web-enabled
computer.
Create payment plans to automatically

collect weekly, biweekly or monthly
payments.
- Add a card reader and PIN pad to

secure possibly better pricing with
greater security for Card Present
- Restrict access to functionality
by setting up logins with different
permissions
- Reduce risk with CVV2/CVC2 and
Address Verification Service.
- Reduce labor costs, paper

invoicing, postage, NSF collection
and drive-thru lockbox fees
- Customers make a one-time down
payment followed by recurring
payments at intervals you select
- The convenience of payment over
time lets customers make larger
purchases.
Carts and
Gateways
Its easy to redirect your online
shopping cart or Authorize.net
account to WorldPay, the largest
e-commerce provider in the world.
- Export secure, online reports for
easy integration into QuickBooks or
Excel to simplify reconciliation
- Protect your payments with 128-bit
SSL technology
- Our Payment Security Program
helps you assess and validate PCI
compliance.
Feature and Benefits of PayHub

Virtual Terminal
Plus a Whole New Level of

Service
Dedicated Team of
Professionals
A key difference between WorldPay and

the competition is the quality of our
people. Your Account Executive will
take the time to understand
your business, clearly explain your
payment processing options and
suggest solutions that can help your
business run more smoothly and
more portably. Well help you
protect both your customers and your
company by complying with industry
security standards, and well share
solutions used by other businesses in your
area who have handled similar
challenges to the ones you face.
24/7/365 Support
Get live customer support anytime,
from friendly, US-based customer
service reps, who train for more than
a month before taking their ~ rst call.
PCI Security
Compliance
On-Demand Account
Reports
Reconcile your account in real time,
anytime, online
Access the level of information you
want, from the amount of yesterdays
deposit to details about a card
payment 24 months ago.
Our full-service security program

helps you assess and validate
compliance with Payment Card
Industry Data Security Standards
(PCI DSS), as required by Visa
,
MasterCard , Discover and
American Express .
ACCEPT CARD PAYMENTS FROM ANY INTERNET-ENABLED COMPUTER

PUT THE POWER OF THE INTERNET TO WORK FOR YOU
Global Pay Virtual Terminal is a proprietary, secure, browser-based application that enables businesses to authorize, process and manage
payments online.
ACCEPT A WIDE VARIETY OF PAYMENT TYPES
Whether you sell online, take phone orders, mail orders or just need a simple method for processing transactions directly from your
computer, Virtual Terminal provides the processing functions of a physical POS terminal at an affordable price. Since all you need is an
internet-enabled computer, its easy to quickly open additional checkout lanes. You can even go online and accept payments while traveling.
SIMPLE AND EFFICIENT PAYMENT PROCESSING WITH THE VIRTUAL TERMINAL
Simply login to the Internet to begin processing transactions anywhere, anytime. Since Virtual Terminal is a Web-based application, you
always have access to the newest version. No software upgrades are necessary and no programming is needed.
Accept Payments Using A PC With High Speed

Internet Connectivity
Select
Desired
Transaction
PayHub
Virtual Terminal
Log in With Your

Username& Password:
Key In Card
Information
Swipe Card
Enter Sales
Amount
Your Guide to . . .
Understanding the Virtual Terminal
o What is it?
o Features & Benefits
o Reporting
Feature and Benefits of

Global Pay Virtual Terminal
Click
Summit
All in Control with Virtual Terminal.

see how it works
Customer Payment
View Reports
Administration
Create a transaction
Create a Quick Charge
Transaction List
Gift cards: Activation and Voids
Create a debit transaction
Refund a customer
Today's Totals
Add a user
Create a swiped transaction
Print and view a receipt
Weekly Totals
Delete a user
Fulfill an authorized order
Print and view a debit receipt
Card Totals
Change a user password
Report by Card Type
Change Receipt Information
Print a report
2nd Sales Transaction can be made automatically

using Sales Record at Virtual Terminal
Reselling is an
additional fee to
be applied to the
customer at any
time.
Reselling
From Report, Find Customer A

Process The desired Transaction:
Quick Sales/Refund
Automatic Transaction Processing
Your First Transaction Processing with Virtual Terminal
First Card Sales Data Will Be

Stored At Global Payments
Secured Database
Swipe
the card
Central Payments
Payment Gateway
Global Pay Processing Center
Accept Payments Using A PC With High

Speed Internet Connectivity
System Requirement
PC - WINDOWS
XP, WINDOWS 7
AND VISTA
Internet Explorer 6, 7, 8 and 9

Firefox 3.5, 4 and 5
Safari 5
Google Chrome 11 and 12
MAC - OSX (SNOW LEOPARD)

Firefox 3.5, 4 and 5
Safari 4 and 5
Google Chrome 11 and 12
Optional Items
Magnetic
Card Stripe
Reader (USB or
keyboard port
connection)
Printer
VeriFone SC5000 PIN
Pad/Card Reader
Epson T20 Thermal
Printer
Pin-pad (Optional)
VeriFone PIN Pad
1000SE or PIN Pad 805
Lower Fee For

Processing
Lower Fee For

Processing
Perfect Payment
Solution
Superior Customer
Support
Protect Your
Business
Your Business is Our Business!
Our Mission is to Provide The Big Saving On Your Fee

With Great Value And Excellent Service
Ask Us How To
Lower Your Overall Cost of
Acceptance
We Can Reduce
Your Overall Cost
On Payment Processing
Sign up For
free consultation,
Contact James Lee

at 917-930-3945
Jesmes.Lee@globalpay.com
Competitive Pricing Skip

the middleman and avoid
unnecessary, costly fees
by working with a direct
processor for Visa,
MasterCard, and
Discover.
Competitive rates - Our
rates are among the
industrys most
competitive
No hidden fees - We give
you the clearest, most
detailed statement in the
industry
How to Make Sure

Your Saving
Fax your current statement to +1 (410) 753-1340 For Free
Merchant Statement Analysis and you will get the lowest
pricing that help you reduce fee for the processing services
more than you expect.
Sign up For free Pricing consultation by calling James Lee at 917930-3945 or request via email to AplusPayments@gmail.com
Let Us
Lower Your
Overall Cost
of Acceptance
We Help Increase Your Business Profits
James Lee
ACCOUNT EXECUTIVE
U.S. DIRECT SALES | GLOBAL PAYMENTS INC.
P 917.930.3945 Fax: 410 753 1340
james.Lee@globalpay.com
kangbok.lee@globalpayment.com
SERVICE. DRIVEN. COMMERCE
Superior Customer
Support
Perfect Payment
Solution
Superior
Customer
Support
Lower Fee For

Processing
1
Protect Your
Business
Your Business is Our

Business!
Our Mission is to Provide The Big Saving
On Your Fee
With Great Value And Excellent Service
World- Class Customer Support
GPay
World- Class
Superior
Customer
Support
Customer Support
Opens 24/7/365days a year, with representatives

that speak multiple languages & Advanced Online
Reporting With Daily Update and much more
Gpays
World- Class Customer Support
UNSURPASSED SERVICE. Our call center and help desk personnel are dedicated to
one-call resolution. You can depend on experienced staff answering your questions
saving you time and money.
NATIVE LANGUAGE SUPPORT. We provide customer support in many languages

and dialects.
RECEIVE PERSONAL
ATTENTION from a knowledgeable
Account Executive who will offer the right
solution for your business and help ensure
your service is activated quickly and works
as expected.
GET HELP ANYTIME YOU

NEED IT from a friendly, highly
trained, US-based Customer Service
representative 24/7.
SIMPLIFY RECONCILIATION with

real-time transaction reporting that provides
immediate access to the details you can use
to manage your payment acceptance.
THE PEOPLE BEHIND

THE PAYMENTS
Easy Account Management

ENJOY PEACE OF MIND knowing our best-in-class terminal support including supply packages and
next-morning replacements helps your business keep accepting payments and making the sale.
CONVENIENT WEB-BASED TRANSACTION REPORTING

Instantly access your account information whenever you need it. Global Payments secure Web-based
program provides a broad range of reports and account information 24 hours a day, 7 days a week. Our userfriendly Website allows merchants to access detailed transaction data on demand, providing time-critical
information to identify and help correct potentially costly problems such as downgrades and chargebacks. It's
right at your fingertips.
Account Reconciliation. Deposit details at your fingertips simplify reconciliation with your terminal batch reports.
Easy Navigation. Intuitive and easy-to-use menus and reports provide quick access to the information you need.
Security. State-of-the-Art Secure Socket Layer (SSL) technology restricts access to your data. Define and
maintain your own logins to further control access by user, franchise group or location.
Downloadable Data Files. Export data files directly to your PC in an Excel spreadsheet or an ASCII
comma-delimited file for custom reporting and auditing.
Trend Analysis. What percentage of payment transactions come from debit cards? How many gift cards have
been redeemed in the current month? What are the most common reason codes on chargebacks? Access
reports at the click of a mouse.
Card Qualification Data. Review and analyze downgrade reason codes displayed with batch transaction details
to better understand and manage card qualifications.
VISA
DISC VER
NE TW ORK
Speed payments
and access funds faster
By accepting credit and debit cards, checkout processes are more
efficient so customers spend less time standing in line waiting to pay.
You will also benefit from:
Access to funds from card payments as early as the next business day1
Preferred pricing on all your transactions
100% payment of the check's face value in as few as three business
days when returned
James
917.930.3945
James
Lee Lee
917.745.6147
James.Lee@WorldPay.us
RELIABLE IN THE
BUSINESS
In an industry where uptime is a top priority and uninterrupted
service is expected, supermarkets know they can count on
Global Payments.
Our record for processing uptime far exceeds
industry standards, and we constantly strive to improve even our
own high standards of performance.
But reliability isn't only about uptime. It also means having
the information you need when you need it...whether it's
through our highly trained Customer Care team or
analyzing your detailed transaction information online,
anytime.
Exceptional Customer Service. Our colleagues are
among the most highly trained in the industry, spending
nearly eight weeks in specialized training before they
take their first call.
Reliable Customer Support

While many claim top-notch support, the depth of knowledge
rarely runs deep. In contrast, OpenEdge CustomerCare is
staffed by experienced professionals who offer valuable
services for your business.
24 x 7 x 365 support by phone, email and online

Technology
Hardware and payment account assistance
Dedicated specialists who understand the application

through which you process payments
PUT YOUR PAYMENT PROCESSING IN

THE FAST LANE WITH GLOBAL
PAYMENTS
We Increase Your Business Profits
James Lee
ACCOUNT EXECUTIVE
U.S. DIRECT SALES | GLOBAL PAYMENTS INC.
P 917.930.3945 Fax: 410 753 1340
kangbok.lee@globalpayment.com
SERVICE. DRIVEN. COMMERCE
Todays Best Value For Your Business

Starting With A Free Equipment And
Grow With Endless Recurring Benefits
18 years experienced business consultant, James Lee is here to deliver TODAYS
BEST VALUE Making Your Business Most Profitable With A EMV & PCI
Certified Free POS Systems and Payment Processing
Equipment Plus, The Maximum Value On Your Payment
Processing powered by payment industry leaders such as Central Payment
1. Starting With EMV, NFC & PCI Certified, Free POS

System or Terminal that fit your business!
Which Free One Is The Best Fit For Your Business?
Free Terminal
VX680 Wireless
Free Terminal
VX520 DC
All-In-One POS System
Free APP & Card

Reader -CPay Mobile
2. Grow with Endless Recurring Benefits Such As:

Additional Free Mobile Payment + Free Gift Card Program + Free Online Reporting + Marketing
Solutions & 24/7 support at the top of lowest rate & world top class quality of products and
services Powered BY Payment Industry Leaders
Contact James Lee To BRING THE BEST VALUES

By phone: 917-930-3945
or email to : AplusPayments@gmail.com
Todays Best Value On

Your Payment Processing
James Lee helps Grow Your Business with Endless Recurring
Benefits through his experience and industry knowledge of 18
years and todays best value powered by payment industry leaders
such as Central Payment.
Contact James Lee, Your Reliable Business Consultant
at 917.930.3945 or Via email to AplusPayments@gmail.com
Grow Your Business with Endless

Recurring Benefits
Your Values
A Complete Acceptance
Credit Card Acceptance
Debit Card Acceptance
EMV Card Acceptance
Electronic Check
Mobile Wallet Acceptance
Value Add Programs

Mobile Loyalty & Marketing

Program
Processing Method
Phone Order Online
Processing
Pay at The Table
Pay On Delivery
Free Processing Equipment
Reliable Payment
Processing Partner - 18
years Experienced Payment
Processing Consultant - James
lee will help your business make
more sales and success through
global leaders in payment
processing and merchant
acquiring.
We will help you:
Reduce risk on your business

by providing private concern
that guide you to meet all of
the mandatory regulation
such as PCI Operation &
Equipment Compliance, EMV
compliance and IRS 28%
withholding, ETC
Reduce your processing cost
Increase Your Sales and
Profits
A Complete
Acceptance:
Everything you need to
collect non cash payment:
via check card, credit card,
EMV Card and mobile Wallet
such as Apple Pay, PayPal &
Samsung Pay
1.Credit Card Processing
2.Debit Card Processing
3.EBT Card Processing
4.EMV Card Processing
5.NFC Processing
6.Mobile wallet acceptance
7. Check Processing Services
Value add products

Free Gift , Loyalty Cards Program
with Easy Mobile Marketing
Solution & ATMs.
Plus alternative business

loan and Merchant Cash
Advance
A complete free
equipment - EMV & PCI
Certified such as
Free Restaurant POS System
Free VX520 DC
Free Mobile Payment
Free VX 680 Wireless

Terminal
Free Virtual Terminal
Free POS System, Free POS

Tablet, Free Virtual terminals,
Free VX 520& Free VX 680
wireless terminal
24/7 365 Seamless Support
Continued to endless
recurring benefits
Security & Risk Management
Lowest Rate GuaranteeReduce your processing

cost and make more
profits on your business
A complete PCI Security
Program protecting your
business..
EMV Solution
A Supreme Customer
Services - Online Reporting
& 24/7 Customer Support
EMV Deadline is OCT 01, 2015 But Do not pay for EMV Card Processing
Equipment! Just enroll free EMV equipment upgrade program With endless
recurring benefits called today's best values on your payment processing
24/7 365 customer support
Online Reporting
PCI DSS Compliance
EMV Solutions
Fraud and Risk Management
Solutions to Increase Profits

Lowest Fees
Customer Retention
Obtain New Customer
Cost less Marketing
Express Financing
Cash Advance
Business Loan
James Lee
Account Executive

Contact James Lee
A Reliable Payment Processing Partner

About
Central Payment -TSYS
Central Payments is A Join Venture With TSYS who
is one of the largest United States credit card
processor, merchant acquirer and bank credit card
issuers. As of 2013 it was number one for credit
card issuers and number two for merchant
processing in the United States[citation needed]. TSYS
processes over $1 trillion a year in credit and debit
card transactions.
As one of the fastest growing and most

innovative payment processors in the country,
Central Payment(CPAY) is nationallyrecognized as a leading provider of
transaction processing services and social
marketing software, providing support to
more than 60,000 small, medium and large
businesses across the United States. It
annually processes more than
8 billion dollar in credit card sales.
Products and Services that work for you
Central Payment - Customer Testimonials
Central Payment Presentation
About James Lee

Since 1998, As 18 Years Expert of Payment
Processing Industry,
James Lee has been serving a free consulting
services on payment processing solutions
to more than 5,000 of US merchants
with TOP Ten Key Benefits On Payment
Processing thru world's leading processors
such as First Data Corp, Chase
Paymentech, WorldPay.us, and now Central
Payment (CPAY).
His experience and industry knowledge

helps grow and protect your business.
Self Study Resource

7steps reducing payment processing cost
what every merchant must read
James Lee's PCI Guide- 3step Protecting
Your Business What every Merchant Must
Read
Personal Web Site
TOP Ten Key Benefits On Payment
Processing With James Lee
Single Resource of A Perfect Payment
Processing
Sign up for free consultation with James Lee.

A free consultation brings the great benefits helping your business.
Follow James Lee : Facebook LinkedIn Twitter
Let us help your business grow faster!

A New Form Of Service In Your Payment
Processing Will Be A Catalyst For The
Revolution Of Your Business.
Please apply now for counseling

Regional sales executive with over 18 years professional
experience, James Lee helps create the best form of your
merchant account that fit your business needs
Welcome your inquiry anytime ...
James Lee
ACCOUNT EXECUTIVE
U.S. DIRECT SALES |
GLOBAL PAYMENTS INC.
P 917.930.3945
Fax: 410 753 1340


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www.cpay.

5 Years Fastest Growing Processor

Dear Whom It May Concern:

Todays Best Value

For Your Best Payment

Todays Best Value

Todays Best Value With Central Payment

For Your Best Payment

Todays Best Value For Your Business

1. Starting With EMV, NFC & PCI Certified, Free POS

All-In-One POS System

Free APP & Card

Tablet Base Mobile POS

Tablet Base Mobile POS

2. Grow with Endless Recurring Benefits Such As:

Contact James Lee To BRING THE BEST VALUES

Todays Best Value On

Grow Your Business with Endless

Debit Card Acceptance

EMV Card Acceptance

Mobile Wallet Acceptance

Value Add Programs

Mobile Loyalty & Marketing

Pay at The Table

Free Processing Equipment

We will help you:

Reduce risk on your business

Value add products

Plus alternative business

Free Restaurant POS System

Free Mobile Payment

Free VX 680 Wireless

Free Virtual Terminal

Free POS System, Free POS

24/7 365 Seamless Support

Security & Risk Management

Lowest Rate GuaranteeReduce your processing

24/7 365 customer support

PCI DSS Compliance

Fraud and Risk Management

Solutions to Increase Profits

Obtain New Customer

Cost less Marketing

For Your Best Payment

James Lee 917.930.3945 AplusPayments@gmail.com

The World's Finest Bundle As A Service POS System

Why You Should Take An Advantage

Which Free POS System

A Little Bit Of Monthly Services Fee Included

CPAY POS System

The Point of Sale, Reinvented

As we learn about your business unique needs,

Ask James Lee HOW TO BRING THE BEST VALUES

Introducing RIO POS System

Ask James Lee HOW TO BRING THE BEST VALUES

The World's First Bundle As A Service POS System

A Complete Retail Specific POS Hardware

Delivery and Set Up

Ask James Lee HOW TO BRING THE BEST VALUES

Free Gift Card Solution

For Your Best Payment

A Revolution On Your Payment Processing

We Double Up Your Benefit