Modern Payment Trends & Smarter Customer Experiences

Amazing. We're live. Hi, Patty again. Hey, Sam. Hello, everyone. How's it going? Thank you everyone for joining. As always, it's a very exciting time when you guys are able to join us and talk to us through these webinar sessions. Today we're really excited because we have an amazing webinar featuring one of our partners, Global Payments. We're gonna be talking about payment trends and smarter customer experiences today. I'm not gonna see Patty shine as I never do. She'll do an intro on that and whatnot. You see the title on the screen. With that being said, as always, we like to allow some time for people to log on to the webinar session, get their audio set up, get themselves some coffee, some water perhaps, or something harder. I don't know, I'm not judging anyone. It's your time. No, gentlemen. And in the meantime, as is our tradition here, I'm gonna launch a poll for us to kind of spend a little time together and yeah, kill some time. Poll's on the screen now. It's the summer, I know it's the summer because today is the last day of school for my kids and now my house will be a madhouse, but I also love movies. So in your opinion, there's no right or wrong answer for this one. What's the best summer blockbuster of all time? I gave you three options, but if you feel like there's one here that I didn't list, please send us a message in the chat. We'd love to hear what you have to say. But for now, I'm gonna leave this poll up and running for another, I don't know, two minutes or so before we get started. What do you think, Patty? I I'd love to pick mine, but for some reason, it's not letting me, but I already see it up there. I'll keep it close to the vest until we find out what the actual answers are. These are classics. It's crazy. I was two years old when Jurassic Park came out apparently. Do you remember being terrified? Do you remember being No. I don't know. I've always liked dinosaurs, I guess no. Like, I love these movies. Like even the new ones that come out, sometimes they're hit or miss, but Right where you get the that had like the dinosaur sheets and like the dinosaur bed. The dinosaur toys and everything. All right, we got Eric in the chat. He said Independence Day. That's also a good one. That is a great one. Good call, Eric. Yep. Good call indeed. Again, there's not a right or wrong answer here, but it looks like a lot of we have a lot of Star Wars people here. So I mean, I would say the right answer is my answer. But what's your answer? Should I say it now? Yeah. Why not? I can't pick it. I think Jaws. Jaws. Yeah. Classic. Classic soundtrack. Classic. Oh, yeah. For sure. Alright. Cool. Well, that was fun. I'm gonna close the poll. I don't know what it does. Let's see what it does for science. It just shows you the results. Cool. I'm gonna remove it from the stage. But Star Wars is down here, a long shot. Yeah. Not a competition at all, apparently. Sorry, Eric. Tammy sent a chat or a message in the chat saying Top Gun Top Gun is good, but can't recall if that came out in the spring or summer. I don't know. We'll have to we'll have to do some double checking there, Tammy, but that's Good call, Sam. That does feel very summery, though, but you're right. We have to find out when that actually came out. For sure. All right, cool. I'm going to close this up. We're going to go back and do some work, not work. We're going to have some fun here with the webinar. But before I throw it over to Patty, I'm just going to run through some best practices so you know what to expect here in this webinar session. Real time chat functionality. Some of you engaged in the chat already. Unfortunately, that'll be disabled so you won't be able to send me cute messages throughout the presentation or anybody on the screen. But don't fret, we will have Q and A open and available throughout the entirety of the presentation. Only caveat to that is we're gonna hold the answers to those questions until the very end. We have a dedicated Q and A portion. That's where we will go ahead and moderate those and feed those to our presenter today. If you have to drop at any point, no worries. We understand that happens. You might have something to do or work might get a little crazy. We're always gonna send you a recording for this from our webinars. So as long as you registered, we have your record there. We will send you a recording via email. And last but not least, Ask any questions again, not the chat, sorry, the Q and A module will be there throughout the presentation for you to submit your questions. And we always appreciate your feedback. So with that being said, I think that's it for me. I'm gonna put the new slide up here, Patty. I'm gonna hand it over to you. Awesome. Thank you, Sam. Thanks for that fun call the Welcome everybody. We're so happy to have you here today. As Sam said, we have a great webinar and we're going to be covering the modern payment trends and the evolving payment processing landscape. And we are so excited to partner with Global Payments. As Sam said, they are a Sampro payment processing partner of ours, and they are here to share insights on how the payment landscape is evolving and what that means for businesses like yours today. And we will also walk through how Global Payments integrates directly with Sampro to help streamline payment processing, improve efficiency, and deliver basically a better overall customer experience. So we're glad to have you here and we hope you leave here today with practical ideas that you can apply to your business right away. And let's get started. Sam, why don't you show us the slides so I can introduce our lovely presenters today. We are very fortunate to have Kim Pringle with us. She is with Global Payments and she lives in gorgeous, beautiful Palm Springs, California, lucky her. And she joined Global Payments in twenty eighteen where she built and led a sales team serving Southern California Inland Empire. And since twenty nineteen, she has focused on strategic partner management, overseeing key relationships with financial institutions, trade associations, and integrated service providers across industries, including lodging, healthcare, and home services. And Kim loves to sum up her work simply. I make friends and solve problems. So Kim is a good person to know and we're really lucky to have her here. We also are very, very lucky to have one of our own, Renali. Okay, I'm so sorry. I've always just called her Renali. I've never said her last name, Gaurav. And I will allow her to non butcher that when she comes along to demo for us. She is a product manager at Sampro and she leads the development and strategy of the Tech and Aware mobile application. She has a unique blend of technical business and industry expertise. And I also know she's a great artist, so she also brings artistry to what she does. And she brings a strong user focused approach to product innovation and digital transformation within the construction space. She holds a background in architecture along with an MBA in construction project management. And that's complemented by over five years of experience in in the construction field and services industry. Her diverse experience, we're very lucky to have her because it enables her to bridge the gap between field operations, technology and business objectives. And so she drives solutions, improves efficiency, usability and operational performance. So we have some pretty incredible speakers with us today and we're very, very happy to have you guys here to hear it. So take it away, Kim. Thank you, Patty. And thank you, Sam, for getting us all set up. I'm very excited to get to talk to you all today about the trends that are happening in the payment processing industry and some specifics about how those affect those of us that work primarily in North America and across the integrated space. So we're going to talk about those trends very first of all, and then I'm going to focus on a few of those products and trends that apply the most specifically to you and to Sampro moving forward. Again, as we already discussed, Rinali is going to give you a great demonstration of exactly how that works within the software that you already have, and then we'll have our Q and A. So as we launch, I want to let you know that if you hadn't already heard through the industry Grapevine or if you're not much of a follower of what's happening on Wall Street, Global Payments recently acquired Worldpay. So the two largest payment processing companies are now one under the Global Payments umbrella. And Worldpay had previously now it is global payments every year puts out this global payments report. I'm going to take a few slides out of that report, but when you get an opportunity to go back, I've linked if you want to get the whole report yourself, which goes into much more detail about all of these trends we're going to talk about and shows country by country around the globe what is happening in the payments industry. It is an industry that is moving very fast. Now, maybe this dates me, but I remember quite vividly when credit card meant a little brick on the desk. We used to call them knucklebusters in the industry. And you put your credit card down and they laid the piece of multi layered mimeograph or I guess copier paper inside there and across your credit card to get your information. Those pieces of paper, one went to you, one went in their drawer and a bunch went in the garbage. Not very safe and secure. It took slower to get you your money, etcetera. That's been just in the last few decades expand to where we are now with so many integrated point of sale, pay by phone, pay by app, pay with your digital wallet anywhere you can shop. It's moving fast and it continues to move and grow. Some of the trends that are discussed, the five major trends that are discussed in this year's Global Payments report are outlined here. Don't worry, I'm not going to read slides to you. But the first one is the growth of applications as a payment method within physical stores, within folks that have a physical brick and mortar location. What what we call in the report, the second one, globalization, the need because very few businesses do business in just one country anymore. Many of us cross borders. And as you cross into borders, the need for you to be able to for a consumer to be able to use their payment method, their credit card or other regular payment method, no matter where they travel or no matter where they're doing business with. That is what is called glocalization in this report. Digital wallets are one of the big trends. So here in the US, that looks like Apple Pay, Google Pay, Samsung Pay, things like that. But we're gonna talk in more detail about how the growth of digital wallets is changing the whole payment landscape and how much more, whether you are at a store or whether you're shopping online, those are becoming the choice of consumers to utilize when they're paying for things. The next one we are also going to spend a little bit of time talking about BNPL, also known as buy now, pay later. So you might think, well, isn't that what credit cards are all about? Well, other than credit cards, where you're automatically adding a balance to something that often has one of the highest interest rates, there is now a growing trend of the ability to, at the point of purchase, apply for a short term loan that allows you to make payments on that purchase outside of the credit card space. So we're gonna talk a little bit about that and specifically how that applies to your industry. And then the other trend that is up and moving more in other parts of the world so far than yet here in the United States and Canada, but that's cryptocurrency. Again, the ones that I'm going to focus on in today's presentation are digital wallets and buy now, pay later, as well as a couple of other add on products that we have that you can take advantage of or that you may want to let your folks at Sampro, your your development reps and the people that you work with on a regular basis know you are interested in so that they can make some decisions about how to prioritize future development for some of these upcoming products. So digital wallets is the first one. Again, I won't read to you, but I will say that they are winning on multiple fronts. Here in the U. S, we're very used to Apple Pay. We're very used to PayPal. A lot of us started out using PayPal for online purchases on things like eBay. Alipay is one that is more internationally used. Whatever they are, it means that instead of typing in your credit card number or your bank account number, often all you have to do is select your digital wallet and everything else happens automatically. It's very convenient for consumers. It's very easy from the standpoint of a web developer or an application developer to add that as a payment method. And then the consumer can select from anything that's in their wallet, whichever credit card they want or whichever bank account they want to use. If it's already in their Apple wallet, if it's already in their PayPal wallet or their Venmo or their Cash App, any of those other digital wallets, then they can select which one they want to use on a transaction by transaction basis. Here's what those digital wallets look like around the globe. So in the purple areas, basically North America and Australia, most of the digital wallets that are being used today are led with credit cards, meaning they sort of started out by offering credit cards. There are other methods that are being included in those wallets, but they are still primarily a way to store and utilize traditional credit cards. In a lot of the world, what you see in turquoise, think India and Asia, a certain little corner of Europe there of Western Europe, and then one little teeny tiny bit of turquoise there in South America, they are A to A account to account. So the bulk of the payments that people are using digital wallets for in those areas is direct from their bank account into the merchant bank account. And then finally, in the lighter purple, which is most of South America and a good chunk of Eastern Europe and Asia. That is what they call the super apps, which, as you'll see on the slide there, includes Alipay that was mentioned on an earlier slide and a whole bunch of other ones that we here in North America tend to be not very familiar with, but they are widely used in those parts of the world that you see in light purple. What we know about digital wallets at Global Payments is that people who use digital wallets spend thirty one percent more on average than non users. That's a real helpful trend for merchants to be aware of because making that available as a payment method will tend to keep people on your site or in your store longer looking at additional things and make it easy for them to pay. It allows the consumer to pay with a credit card or a debit card, whether they have their card with them or not. I don't know about you guys, but I love the fact that I can walk in the grocery store, but nothing but my phone and pay with Apple Pay without having to dig through my purse for my wallet and pull out cards. The EMV, the Europay Mastercard Visa security measures are supported by that using NFC, which is called Near Field Communication. That's what allows your phone to talk to the card reader. So that enables payments from contactless cards, from mobile wallets, all of that including online in a very simple and secure way. Secure for the customer, secure for the merchant, and ultimately secure for the banks that are lending the money until the customer pays their credit card bill. The second trend that we said we were going to talk about today is buy now, pay later. Again, this is a growing industry. This is a growing part of our payments industry. It is forecast to grow eleven percent between twenty twenty five and two thousand and thirty in terms of its overall usage across the globe. Installment payments have been a thing. I can remember as a kid being able to put things on layaway and make installment payments leading up to Christmas and whatnot. But this is a twist on installment lending. There are companies that specialize in offering this at point of sale. So if this is something that feels like it would be of interest to you for the customers that you deal with in your business, there are some options now to take advantage of, including this option that we will talk to you about a little bit today that you can use without it being integrated at this point. You can sign up for buy now, pay later through global payments as soon as we finish this webinar, as soon as you finish watching this webinar, if you like. It used to be that the thought was buy now pay later would decrease the use of credit cards, but it's actually, as it says on here, it is the rising tide lifting all the payment categories. So credit cards are actually doing better when paired with buy now, pay later options. And one of the reasons is because payment processing companies like Global Payments are finding that it's a great driver of overall business to be able to have as many different options for consumers to utilize to pay for the products and the services as possible. In the case of Global Payments, our buy now pay later partner is called TuaPay. Again, as I mentioned a couple slides ago, this is something that is available to you if you're using utilizing Global Payments for your payment processing through Sampro, even though this won't be one of the payment applications immediately available on the app itself, you have access to be able to offer this as a payment method to your customers as soon as you let us know. If you're not yet using the Global Payments integrated portion of your Sampro software, well, we're going to let Renali show you a whole bunch more reasons why that would be a good idea and why it will benefit your business and your customers. But be sure if you want this and you want this to be something that we continue development to work on adding it so that it is embedded in your payments process, make sure that you let your representatives at Sampro know that as well so that they know where to put this on the future development calendar. Okay so now I'm going to dig into some specifics. I will say again these next few slides come right out of that global payments report for the year. I'm going to talk to you about the trends in North America in general and in the United States specifically. But if you want to get that whole report that was linked at the beginning of the deck and you'll have access to a hard copy that'll have that on it or you can roll it back and type it in. It goes country by country, continent by continent, and talks about in really minute detail the trends, what is happening in each part of the world. So if you want to know what's happening in Vietnam, there's a page in the book for that. If you want to know what's happening in Dubai, there's a page in the book for that. But here we're going to talk about specifically about North America and then even more specifically in the United States. As we talked about earlier, credit cards continue to dominate the payment methods in the United States. It is a growing trend. But prepaid cards, again, not a credit card, but a prepaid card account for fifty percent in e commerce and seventy one percent at point of sale in twenty twenty five. So that's a growing payment method that your credit card processing needs to be able to accept. As we talked about, digital wallets are helping to grow that as our buy now pay later. Again, those things that we just talked about in detail, they are the most important trends moving forward in this part of the world. This is what the projected growth looks like. So don't get confused here. These are not in the same order. In the e commerce space, digital wallets are the number one payment method. And as you can see, the dark purple is twenty twenty five. The lighter purple is the projected volume percentage of volume by two thousand and thirty. So digital wallets are already at thirty nine percent in North America and expected to grow to forty four percent of the overall payments by the year two thousand and thirty. Credit cards straight up hold your credit card and pay at the point of sale is the top. And it similarly is by far and away nearly fifty percent. But unlike digital wallets on the ecommerce side, physical credit cards at the point of sale are projected to decline in the next five years. So to go from what was forty seven percent down to thirty seven percent between now and two thousand and thirty. Likewise, you can see what's growing and shrinking. Credit physical credit cards are the second highest on the ecommerce side and going to continue to shrink. Debit cards separate. Think when you use your bank debit card as if it were credit or whether you use it with a pin number. They are number three on the e commerce side, number two on the physical point of sale side and continuing to shrink. There's digital wallets, number one on e com, number three currently on point of sale. But as you can see, projected to grow from seventeen percent of the market share in twenty twenty five to at least twenty five percent by two thousand and thirty. So again, this is North America that includes both United States and Canada. I'm now going to switch over and talk about the United States very specifically. But if you've got any questions going back to that, to this that we just covered, be sure to add them to the Q and A on the chat. And next, see if I can get to the next slide. Okay, the United States, again, we're attached to plastic. We really like those credit cards and it is continuing to grow. But wallets are hitting their stride. Digital wallets are forecast to grow eleven percent at the point of sale at a physical location between twenty twenty five and two thousand and thirty and buy now pay later. Currently six percent of online value forecast to grow at a thirteen percent growth rate in the next five years. Here's what that looks like in terms of the comparisons. Again, digital wallets are the highest. This is U. S. Only and expected to continue growing on the ecommerce side. Credit cards are highest and expected to shrink on the point of sale physical location side. Credit cards are also shrinking on the ecommerce side. Debit cards, second highest at point of sale, shrinking. Third highest at e com, shrinking. Digital wallets, there it is, growing on the e commerce side, really growing on the point of sale side that you can see there on the right hand side. Cash shrinking. By the way, are you noticing where cash is? Cash as a method of payment, I I'm just old enough to realize that when I was a full grown adult, there were a lot of stores that I went to that still said cash only on their doors. It accounts for only ten percent of all purchases at point of sale these days. So and shrinking going to continue to shrink. We now see retail stores, service stores, physical locations that don't accept cash in some parts of the world that just say no cash accepted. So it's already happening at things like festivals and concert venues and whatnot. They don't want people passing cash around. What that looks like in terms of the very specific card usage, I think is another interesting point on this particular slide. In twenty twenty four, fifty eight percent of credit card purchases were Visa. Not surprising. It's the the best known name, especially here in the States, followed by twenty four percent Mastercard. Eight percent is all with American Express, and then nine percent makes up everybody else. Think your Diners Club, your Discover card, etcetera. So that that is a significant look at how those cards are continuing to pace out against each other. I do find this little heat map on the bottom right interesting as we talked about those digital wallets and the different colors. If you look at the little tiny orange spot up in the top right hand corner of that heat map box, that's crypto. That's across the globe and in the US. Cryptocurrency is growing, but you can see it's very tiny percentage of everything else. Again, account to account directly is in that bright turquoise. Buy now, pay later is in the very purple, lighter purple color on here. And then that great big indigo blue box is all standard credit cards. So it gives you a feel for a long way to go for these other trends to take over. But it is definitely working in that direction. The other product that I want to talk to you about service that is a trend in the credit card industry, which isn't addressed directly in the Global Payments report is surcharging. You've probably heard about this, and there are a couple of different, sometimes confused methods for passing along the cost of accepting credit cards to the individual purchasing customer. One of them is called cash discounting, where you just price everything up by three or four percent in your store, in your restaurant. And then if somebody offers to pay in cash, not utilizing credit card, you discount that at the point of payment. Surcharging does it the other way. You leave all the prices in your restaurant or your retail store or your service business the same. You put a big sign on the window on your website, etcetera, that says if you choose to pay with a credit card, we're pass along three percent of the cost of accepting credit cards on your purchase to you at the point of purchase. Every state has different regulations on this, and the federal regulations and compliance is tight. So it's important if you decide that you want to pass along credit card fees to your individual customers, you need to make sure you're doing it in a compliant way. This is something that we can offer. And if it is something that you are interested in having added to the payment stack that you have with Sampro, again, let them know because they can't do all of these things at once. The development work between Sampro and Global Payments is going to be dependent on what you have place, the most urgency on. So let them know what it is that you're trying that is most important to you so that they can prioritize how quickly we can make this available to you, the integrated merchants that we value so much. We'll talk more about surcharging if you have questions about it, but just know that it is available and that is important if you want to do something like this, that you get it handled through somebody that is checking all the boxes to make sure that you're doing it in a compliant regulatory manner. Okay, we're on the last slide before our live demo with Rinali, so I just want you to think about before she shows you this, the advantages of using an integrated payment methodology with your Sampro software. And those are pretty simple. It eliminates the need to send paper invoice or manual payment follow ups. You don't have to worry about when it's going to get paid. They can pay at the point of sale using their credit card, using their phone, etc. You get paid faster right at the job site or on the go. It gives you enterprise level security that protects both you and your customers. So you're not you don't have to worry like in the old days about somebody grabbing that that piece of copy paper out of the garbage can and then trying to use your credit card number online. It's fully secure. All of the card numbers are protected. You'll be able to see that in Rinalis demo And payments, invoices and reporting when you're integrated are all captured in your software. So you are going to know who paid cash, who paid with credit card and what the amount is without having to do a second step. And I'm happy to turn it over to Rinali so she can show you how this works in the software. Thank you so much, Kim, and thank you for that presentation, for those great insights that you gave. And, just for anybody who's wondering, it's Rinali Gaurav. Patty, you were almost there. You pronounced it right, but I understand it's the pronunciation that's a little difficult. So today, I'll be taking you through the demonstration of how technicians first, how technicians use Tech Anywhere device to collect payments on-site and how easy it is with the integration global payments integration to collect that payment. So in order to do that, I'll take you through the work orders. So on this tab, you'll see all the active work orders that still are pending to be worked on. And the one that's marked COD, the one that's at the bottom, The all the work orders that are marked as COD are the work orders that will enable technician to collect amount from, from the customer on-site. So I'll go to that work order. And, for this demonstration, I've already prefilled all the data that's required to reach to the last payment tab that you see, which is in red. So I'll go to payments tab. And over here, you'll see the entire invoice. So for this, I added some equipments that were used, and you'll see the price and everything in the invoice, location of service, what's the billing location, work that was requested, work that was done, everything is summarized in this invoice. As I click on payments, I'll see the total amount that's due along with all the taxes that have been applied. And the last section that you see, the bottom most section, payments, those, that's the section where you'll actually see all the payments that have already, been registered. So in order to add payment to this work order, I'll click on add payment. I can make multiple transactions to complete this entire amount, or I can make a full payment in one go. So for the sake of this demo, I'll just go with eleven dollar amount. I choose the payment type, and reference numb number is generated when the card is processed. So clicking on process payment, it'll give me this, dialogue box which says that already a payment alias is saved for this particular site and will give me a masked credit card d a masked credit card number. Like Kim said, we do not at all save any of the credit card information. It's all masked information that you see, masked credit card number that is saved on Tech Anywhere or Sampro. And if I want to go ahead with this card, I simply click on yes, and the payment will be processed. So if I click on no, it'll ask me to either go through the manual entry route or a card reader. I do not have a card reader right now, so I'll manually enter the card number. I'll just quickly do that. So it's just these three details that I have to enter in, and and customer information is already prefilled. So when I submit this oh my god. What did I do wrong? Oh my god. Let me let me do this again. I'm sorry. Yeah. So when I click on submit, the payment is processed. And under the payment section, you'll see all the transactions that have been captured for this particular work order. So you see again in details, there's a masked credit card number. A reference number has been attached to this payment, and remaining balance is also indicated. So this is how you can, register payments on tech anywhere in very simple process. And let's say, the the technician or the the organization was not able to make the entire payment, and I want to pass the same work order to back office to collect the remaining payment. I can do that as well. So I'll just simply have to close this work order on my end. So I'll be doing that. And I'll mark this as complete. And once the data is synced, it takes a couple of minutes to reflect in Sampro, but it does that automatically. And I'll now be taking you to the Sampro interface to make a for the for the demonstration. So let me share my screen. Alright. So this is so this is the work order that we were working on. Let me just make sure. Yeah. And when I refresh it on Sampro as I said, it may take a couple of minutes to just reflect over here. Okay. So you see the eleven dollar payment that I made through Tech Anywhere is automatically, captured over here as well. And to make the remaining payments, I can go to cross margin to see what the remaining payment is and then add in another line to make the remaining payment from here. So in order to do that, I'll again click the payment type, and let's say this payment is for one fifty dollars. And I'll have to save this. And that's because a a card is already saved for this site, clicking on payment process will again give me the same, notification saying that this card is already saved. Would you like to use this? And I when I click on yes, the payment has gone through, and I know that because I see this masked credit card number again along with the transaction ID. So this mass credit card number basically tells me that the payment was done. So a payment can be collected both by the technician on-site. And if for any reason that's, not that cannot be processed, it can go back to Sampro, and the back office people can collect it. Now the second thing that I'd like to demonstrate is how we save our, credit card details. So over here, for this particular site, you see the credit card details are saved over here. If I want to delete it, I'll just simply take this away and clicking on this and putting in, I can put in new data of a new credit card as well. So each site can save one unique credit card number, and that can be processed for multiple transactions, like for work order, payment collection, or even for any prevent preventive maintenance contract which already has a billing line scheduled for it, we can process payments through here as well. So in order to demonstrate that, we have these two scheduled bill line item that you see over here. And I can just go to generate PM billing, and this report will basically give me all the, all the PM billings that are due for payment for the selected date range. So I'll go with the date range of just today and for this particular site only. And when I click on go, it'll give me a staged invoice that will be generated. And for this particular site, we have these two billing line items that that need to be that need to be invoiced. So when I click on go, it will be creating invoices. And just clicking on this go, it has created the invoice. It has charged the credit card that was already saved, and we see that the transaction is successful. And when I go to service invoices and for this same, site ID. I see that this payment is already processed. The amount is paid, seven fifty dollars, and I can just go ahead and print this and post this. So what what we are doing over here is just in click click of one payment processing when a card is already saved in the system. It'll create the invoice, generate the invoice. It'll charge the credit card that's already saved, and will also create a cash receipt. So everything is just done in one simple step, and you see the invoice that's created with the amount due at zero. And if I print this, So it'll ask me if if this is correct, if this invoice is correct and is ready to be posted. So just clicking on yes will post the invoice as well as create the cash receipt and will also if an email ID is saved for this particular site, it'll be emailed to the, organization, to that particular email ID as well. So this is the service job invoice posting report that's generated. And you'll see the cash receipt. Yep. So this one, the last transaction, you see a cash receipt is also generated for the same amount that we processed, seven fifty dollars. So in just one simple click, everything happens altogether. Otherwise, if there was no integration or if there was no, Global Payments integration that we had, the admin or the person who looks into this would have to first generate invoice separately, then create, then add a credit card that will be processed or executed for this amount, and then separately create cash receipt. But with this, it's all done in one simple step. So, that's the demonstration for that. And, yep, any questions, any any doubts that you have, I'm happy to take that on. That's all for the demonstration. Thank you, Murnali. I I see we've got a few questions that are starting to come in, so we'll get to those here very shortly. Again, just to recap, you can accept here's the big advantage. You can accept card present payments on-site at the at the customer's location with Sampro's Tech Anywhere and a Bluetooth enabled mobile reader. If you don't use the mobile reader, then you're gonna have to type the credit card in with your fat thumbs, which many people choose to do depending on how many technicians you have out there that might be taking payments. It may be that you don't want to have the little Bluetooth card reader for every one of them. I'm going show you a picture here momentarily. But the combination of that, of the integrated payments and the Bluetooth reader means that the EMV chip is what gets read. You don't have anybody who who's a math whiz trying to memorize the credit card number for the customer or having to mistype it in the the the fat thumbs. Even with a keyboard, you see Renali had to go back and do it twice. That's gonna happen to your text in the field. So there's an advantage to having that card reader where you can either swipe or insert the chip or even tap. It's got all three methods. You get better interchange rates for card present payments rather than card not present payments. So if you're using a physical card or the EMV near field communication technology, the actual amount that is paid to the sponsor banks for utilizing the credit card is a lower percentage if the physical card is used or the digital wallet. You improve your cash flow. You get faster funding than having to wait and send an invoice and have it come back. Paying on-site, paying instantly as soon as the work is done gets the money into your bank account as a merchant sooner. And then again, reduce errors. You save time. You don't have to worry about key entering any of that information. The little Bluetooth card reader, as you can see, is about a third the size of the basic mobile phone of a, we'll say, larger end mobile phone. I happen to carry a really small one because I like to still put it in my pocket. And you can see there's a swipe where that little green light is. You can swipe. You can turn the credit card on its end and stick the little EMV chip in there, or it's got tap capability. So if it's got that EMV chip, you should be able to just tap it on the device. We do not at this point. By the way, this particular card reader right now is only available for Android phones, Microsoft phones. We do not yet have it available for iPhones, but that is an integration that we are working on. The mobile card readers are also not yet available in Canada. There are some restrictions in terms of our integration in Canada that we're trying to work around. But the workaround for that is that we have something in the Tech Anywhere software called PayFields that actually would allow your technician to use the camera on his or her phone, take a picture of the credit card, and it would then pre fill those fields into your application. Again, no fat thumbs to worry about. Take the photo of the card. It pre fills the card number, the expiration date, and the CVV right into the application. That is the end of our scheduled presentation, so we look forward to hearing from you about questions. Awesome, thank you, Kim. We do have some questions that people have been submitting throughout the presentation. And then also we have some questions that we asked our amazing SAM Pro intern to send in through the Q and A module just to get the conversation kick started but if you do have any questions and you're on the session, again, the q and a portion and the q and a module is still open. You can submit those at any point. Let's start with this one, Kim, and I'll put it up. You you should be able to see it on the stage. Marnalli, I'm gonna bring you on stage in case you need to answer any questions. So Sure. Hello again. Hello. Let's see. Here we go. Let's do this one. Does payment data sync automatically into Centimeters Pro? Yeah. So I'll take this one. Like I demonstrated, so when the payment is done in Tech Anywhere, it just takes a couple of minutes to reflect back in Sampro. It's automatically done once submitted when a work order is marked as completed. Awesome. Alright. Chelsea submitted another question for us here. What trends do you think will have the biggest impact on field service businesses over the next two to three years? Kim, do you have any feedback on that? Yeah. I think without a doubt, the same ones that we talked about in the presentation. Of those, I think digital wallets is gonna have the biggest impact, specifically on field services. I'll say that buy now pay later is a close second, especially if you have occasionally very large projects. So if you are working on something that is a significant, maybe replacing the entire heating and air conditioning system at a commercial building, for example, where being able to offer financing that is not at your basic credit card processing interest rates can be real attractive to some merchants. So I would say in that order, digital wallets followed by buy now, pay later. Awesome. We have a question from one of our customers here. I'm gonna put it on the stage. Can customers choose to pay by debit card or direct debit using a bank account? It varies. But in general, you can use a debit card anywhere that you could use a credit card, and the system recognizes it. So you don't have to select debit and type in your PIN. If you use your debit card as if it were a credit card, the system accepts those. It recognizes based on the bin number that it is a debit and it'll come directly out of your bank account. We have a question from one of our own here From John, does Sampro and Global Payments work with Canadian customers currently? Yes. We are in the process of boarding our first Canadian shared customers, so we're excited about that. We have again verified that the integration works just fine and literally as we talked about on here, the only piece that we don't yet have approval through the Canadian powers that be is the use of the Bluetooth card reader but the pay fields with the phone works just great. Submit a question here with Chelsea. Do us a favor. Submit this one. It's a it's a frequently asked question, I think, for all of our partners. But what does implementation look like? Renalia, do you have any any feedback on that maybe? So it's just a registry that will have to be activated when we are implementing this, and it's very smooth and it basically doesn't need anything after that registry is turned on. Just a registry. Awesome. Yep. I'll add to that that if you're not currently registered with Global Payments as your payment processor So if you don't have that integrated payment technology set up with Sandpro, our application process is also quite easy. It's a very simple application and it generally only takes us a couple of days to get that account for your business approved through our underwriting team and get your global payments account set up so that it can be fully integrated with your existing Sampro software. Awesome. I have one more question here. We can I think we can wrap up the session after this one, but I'm gonna add it to the stage here from Chelsea as well? Are there extra fees for mobile wallet payments currently? No. No additional fees assuming that the individual merchant, the individual business doesn't have, for example, surcharging set up on their system. It works exactly the same as if you were using a physical credit card. No additional fees whatsoever. And in fact, as I discussed at the tail end, it counts using a mobile wallet counts as a card present transaction in terms of the interchange fees. So you get a little bit of a as a merchant, you get a little bit of a break from a pricing perspective versus key entering a card. Awesome. Alright. Thank you. That's gonna wrap up our q and a. But as always, as I mentioned earlier, and I think I may have it here. Awesome. Yeah. So if you have any questions, feedback, or if you're interested in the global payments integration that we offer, you can always reach us on the email that's there on the screen. I'm gonna make it a little bit bigger so you can see it. Accounts at sample software dot com. That'll get you in contact directly with one of your account managers or your dedicated account manager, and we look forward to answering and fielding any questions that you may have. With that being said, Patty, I'm gonna bring you on to say our goodbyes here. Move this, we could say bye all of us here together. Yes, everyone. Thank you so much team for a wonderful presentation. It was so informative and, Renali for the the great demo. Hopefully, this was informative for our audience as well. You learned something and also, as Sam said, if you have any questions or feedback, please reach out to your account manager. As Ken mentioned during the presentation, there are some incredible features that you could be taking advantage of right now with Global Payments even without an immediate integration. So talk to your account manager. Give us that feedback. You know, let us know what's working, what's not working. We always wanna hear from you. We wanna make your business more efficient. We wanna help you grow. So thank you so much for being here. Do not forget. This will be available as a recording. And if you're here, that means you registered, so you will receive it. But if there's someone in your organization that did not register, the recording will also be available on our website as we continue to build our knowledge library. So thank you everyone again for joining us and have a great day. Thank you. Bye everyone. Thank you, Kim. A great day. Bye.