Page 24 - gs260902

Spotlight Innov ators
Spotlight Innovators

passes those savings directly to its Sales Partners, offering highly competitive and exceptionally stable residual
structures.
• Unmatched "Sticky" Retention: Churn is the ultimate enemy of passive income. When a merchant relies on BLUU's
premium bluu™ Point 3 hardware, utilizes its custom industry-specific software, routes transactions via its secure
gateway, and accesses working capital through Allup Finance, they stay. This multi-layered integration creates a
powerhouse lock-in effect, securing lifetime residual streams for our partners.

4. Driving Growth Through Integrated Embedded Finance

BLUU is much more than a hardware provider; it is an incubator for merchant growth. By coupling transaction data
passing through the bluu™ Point 3 with Allup Finance (our Merchant Cash Advance program), we have successfully
integrated financial services directly into the POS. This embedded finance model serves as a devastatingly effective
closing tool for our Sales Partners. While traditional ISOs can only compete on processing rates, BLUU agents can
offer a massive differentiator: "Based on your card volume processed through this bluu™ Point 3terminal, we can
secure up to tens of thousands of dollars in working capital within days, with zero bank red tape." True innovation
isn't just about adding individual hardware features; it's about making sure that hardware, software, networks, and
finance work together as a single, seamless machine. With the launch of the bluu™ Point 3, BLUU continues to build
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.
Bluu, Inc. / Phone: 855.835.7919 / Email: sales@ebluu.com / Website: www.ebluu.com

New U.S. patent reinforces

MBNCARD’s connection to

the original dual pricing model

New U.S. patent reinforces MBNCARD’s connection to the original dual pricing model
BNCARD Inc. is celebrating another milestone in the evolution of dual pricing following the issuance of
a second U.S. patent to Jerry Cain, inventor and patent holder of dual pricing and founder and CEO of
MBNCARD. Newly issued U.S. Patent No. 12,700,015 follows U.S. Patent No. 12,112,346, further defining
M the intellectual property behind the original dual pricing model offered by MBNCARD. “This achievement
means more to me and my team than just securing another patent,” Cain said. “It reflects our ongoing commitment to
provide merchants and their customers with clarity, choice and control at the point of sale.”

24