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Spotlight Innovators

• Improve efficiencies: PayVus provides integrated accounts receivable and accounts payable solutions. The platform
automatically manages funds settlement between a PayVus® credit card and merchant's bank account. Additionally,
PayVus® automatically remits residual payments to participating acquirers, distributing savings directly to
merchants, and managing the end-to-end card issuing and management process.
• Improve merchant cash flow: Because PayVus split funding occurs post-settlement, there is no impact on a merchant's
daily transaction processing. Merchants can use their PayVus credit cards to make purchases and manage expenses.
They can tap into the card's line of credit for fast access to working capital and available funds for daily expenses.
• Unlimited rebates: Unlike traditional credit cards that cap their rewards programs, PayVus sets no limit on rebates
or savings.
• Top-of-mind, top-of-wallet: Your merchants will think of you each time they reach for the PayVus card.
Take a page (and revenue share) from issuers

As the only settlement-to-card platform enabling ISOs and acquirers to offer merchants business credit cards, PayVus
enables ISOs to participate in revenue that was once only available to card issuing brands. Payments industry veteran
Eugene DeSilva, GM, Aliaswire, and former SVP at Mastercard, was instrumental in designing and developing the
technology platform.

"I was responsible for the small and midsize business (SMB) segment at Mastercard and to understand the needs of
these businesses, I conducted research with ISOs, issuers, acquirers, and SMBs," DeSilva said. "Through discussions and
research, I identified four essential needs in the SMB community: managing cash flow, obtaining credit, lowering the
cost of credit card acceptance, and increasing sales." Combining acquiring with issuing can solve these pain points, but
DeSilva noted that only a small percentage of SMBs qualify for business credit cards and merchant processing accounts.
"We wanted to create an environment where more small business owners are approved for processing and business
cards," he added. "We also wanted to increase their ability to obtain credit and reduce costs while generating incremental
revenue for the ISO community by leveraging income from the issuing side."
Award-winning, end-to-end solution

Aliaswire Inc. received the 2019 Electronics Transaction Association's (ETA) Technology Innovation Award for PayVus in
April 2019 at Transact 19, ETA's annual convention and expo. The company went on to win the NACHA 2019 ACH Network
Challenge Award in May. Aliaswire President Scott Goldthwaite credited the company's talented team, channel partners
and innovative technology for its public recognition and exponential growth. Goldthwaite said the PayVus advanced
technology suite is specially designed for SMBs, stating, "it helps merchants reduce costs, obtain financing, manage cash
flow and increase sales while supporting a range of management functions within a single platform." The secure PayVus
dashboard provides a real-time consolidated view of a merchant's AP / AR, transaction processing and lines of credit
activities, he noted. "Payment card acceptance and access to capital are critical requirements for today's business owners,"
Goldthwaite added. "The PayVus card issuing and processing platform is a timely resource that adds value, builds trust,
and delivers upstream and downstream benefits."

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