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Spotlight Innov
Spotlight Innovators
ators

bluu™ has re-engineered the payment value chain. By manufacturing our own POS hardware, developing multi-vertical
software, controlling the gateway and specialized funding program, we provide a "closed-loop" system that empowers
Sales Partners to close faster, earn more, and retain clients longer.
The bluu™ Stack: A Turnkey Solution

We don't just sell, we create. bluu offers a unified suite that
eliminates third-party friction:
1. Proprietary bluu Hardware: Sleek, durable POS systems
designed and manufactured in-house for 100% software
harmony.
2. Multi-Vertical Software Mastery: Custom-built
solutions for Restaurants, Retail, Salons, and Dry Cleaners—
giving you a specialized pitch for every door you knock on.
3. The bluu™ Gateway: A proprietary payment gateway that ensures security and lightning-fast transaction processing.
4. MCA: Merchant Cash Advance applications are approved on an expedited basis, to provide instant liquidity to
merchants, and bypass the slow "big bank" red tape and delays.

The Sales Partner’s Edge: Why Top Producers are Moving to bluu™

1. Unmatched Sales Speed & Conversion: When you pitch bluu™, you aren't selling jigsaw puzzle pieces of different
companies. You are selling a single, cohesive brand with its own ecosystem. This "One-Stop Shop" turn key solution
simplifies your sales presentation, builds immediate brand recognition and trust, and drastically shortens the sales
cycle. You provide the turn key solution, the hardware, the software, the services, and the merchant cash advance—
all in one visit.
2. Residual Optimization & Full Transparency: In a fragmented model, every middleman takes a cut of your
hard-earned residuals. Because bluu™ owns the processing infrastructure, we eliminate "margin leakage." Our Sales
Partners enjoy more robust, transparent, and stable residuals.
3. Bulletproof Retention (The "Sticky" Factor): The greatest threat to sales organizations is churn. However, it is
harder for merchants to leave if merchant rely on bluu™ for their operations (POS), their payments (Processing), and
their cash flow liquidity (MCA). By providing a vertically integrated system, you aren't just a vendor - you are the
backbone of their business. This translates to a lifetime of passive income for you.
4. Direct Accountability: No More Finger-Pointing: We’ve all been there: the software support blames the hardware,
and the processor blames the POS system. At bluu™, we own the entire stack. If there’s an issue, our internal support
team fixes it. This allows you to spend your time selling, not troubleshooting for unhappy merchants.

Future Projection: Leading the "Embedded Finance" Revolution
The market is shifting toward Embedded Finance — where banking and payments happen inside the POS. bluu™ is
already there.
• The AI Opportunity: Because bluu™ has access to merchant data from the POS to the Gateway, we are developing
AI-driven insights that help your merchants predict busy times or automate inventory. Offering these "smart" features
will make your pitch future-proof.
• Instant Cash Flow Option as a Sales Tool: Imagine telling a merchant, "I can have $30,000 in your account in a few
days based on your BLUU processing volume." Our Merchant Cash Advance program is a powerful closing tool that
sets you apart from every other ISO.
• True innovation isn't just about adding new features; it's about removing the barriers between them. In the next
decade, the winners will be those who provide a unified experience. By closing the loop from manufacturing to
finance, we aren't just selling a POS — we are building the infrastructure for the next generation of global commerce.

About BLUU
Founded in 1994 as United Merchant Services, Inc. (UMSI), the company has grown into a leading payments provider
specializing in Merchant Business Solutions, ranking 50th in the US Merchant Acquirer rankings by the Nilson Report
(March 2024). In 2022, UMSI and United POS Solution, Inc. (now Bluu, Inc.) formed the BLUU group, which includes
Allup Finance, Allup.com, and One Merchant Solution. BLUU aims to lead the Merchant Business Solutions and Payment
Processing market through unified branding and innovation in SaaS platforms, hardware, software, and seamless POS
solutions. Its “United POS as a Service” (UPaaS) helps resellers maximize profits with cost-effective POS systems.

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