A revolutionary electronic payment solution
…and a new vision on secure electronic transactions

• The payment transaction is initiated by the user (customer)
• No personal data, account numbers, card numbers, etc. are transferred to the receiver (merchant)
• The user has full control on the management of his payments : frequency, geo-location, time, risk protection etc.
• Third party payments can be done anonymously
• No existing payment platform like Visa, MasterCard etc. is used
• Control is in the hands of the local Pay & Save payment organization
• Can be easily expanded to :
  • Ticketing solutions (public transport,…)
  • Online services, programs
  • E-ID solutions (electronic signature of documents)
  • E-couponing
  • Secure communication
  • …
• It is a new and easy way for nations or organizations to open payment transactions to citizens, companies and service organizations without being controlled and analyzed by international monopolistic payment organizations
• Patented

What it could be used for

We could act local… or think global

Are you in this digital age constantly bombarded with a bunch of paper advertisements? And usually for products you barely or don’t use?

Yet, Pay and Save is convinced that many consumers miss out plenty of discounts.

No doubt you are often faced with the situation where a friendly cashier asks if you have any coupons? Or you are convinced that you still have these coupons somewhere in your possession. Full of enthusiasm – and with a good dose of courage – you plunge into your wallet or purse. And this is what will follow …

• Scenario 1: In no time or after some searching, you take out the coupon and hand it proudly to the cashier who will deduct the coupon from the amount payable.
• Scenario 2: After some intense searching, you can take out the coupon and hand it proudly to the cashier who then reports with some guilt that this coupon is no longer valid or does not apply to the product you purchased.
• Scenario 3: Numerous coupons, loyalty cards, receipts, … are reviewed with the exception of just this one specific coupon. Quickly – and sometimes with cheeks red of embarrassment followed with a long queue behind you – you admit that you probably forgot the coupon at home on the kitchen table.
• Scenario 4: The above scenarios are no longer applicable since based on your past experiences -and in line with the three previous scenarios – you always respond negatively to the question whether you have any coupon in your possession.

Pay and Save ensures that the above scenarios belong to the past and to this end developed

a global internet platform that enables you to

• to determine which brands should approach you with offers, promotions, … using e-coupons anywhere and at any time and this based on your personal and changing needs;
• group, centrally manage and make maximum use of your coupons which will be available at any time and without searching (eg via smartphone). Even when you suddenly decide to do some unexpected shopping;
• reduce your carbon footprint and thus contribute to a better environment by using digital media instead of paper;
• identify what you have saved by using coupons via the Pay & Save platform. This is the ideal tool to perfectly manage your household budget!

This all is possible in a user friendly manner. And finally, to the extent that you were not yet convinced: A Pay and Save account is free and moreover offers you the opportunity to earn money! So why not give it a try ?

Nowadays business is changing faster than ever, and so is retail. Customers are using new technologies and are having new needs and expectations. They become more demanding.

A new generation of customers is born, the SoLoMo-generation (Social-Local-Mobile). This combination of Social, Local and Mobile creates opportunities for a new and powerful type of communication channel which will delight people by providing them highly targeted, context-rich and location based communications. In the end it’s the customer who takes control about the data he shares with you.

Yes indeed, you read that right… retail is no longer in de driver’s seat! More and more customers will decide themselves whether they wish to sign up for and receive your promotions.

Whether you’re a small or a large retailer, Pay and Save’s innovative platform offers a competitive advantage by enabling you to

• build a relationship on basis of mutual trust with your customers;
• get to know your existing or possible customers personally (profiling) and interact with them on a one on one communication;
• optimize the use of your marketing budget by only addressing your campaigns (e-coupons) to people who are interested in your products and/or services;
• detect new opportunities (cross-selling, products, services, business models,…);
• transform (big) data into information that can be used to create added value for your customers and your company;
• measure, monitor, analyse and forecast the success and impact of your campaigns through advanced reporting, analytical and geographic functionalities;
• reduce your carbon footprint and thus contribute to a better environment by using digital media instead of paper and/or even launch your digital loyalty card;
• to let your customers pay with their smartphone.

Pay and Save is an innovative platform which allows your customers to

• subscribe for and benefit from your promotions and campaigns by installing the free app (m wallet) on their smartphones;
• use your e-coupons and/or digital loyalty card at any time;
• group, centrally manage and make maximum use of your coupons which will be available at any time in their mobile wallets. Even when they suddenly decide to do some unexpected shopping;
• pay with their smartphones.

Pay and Save (P&S) offers a state of the art secured, interoperable and continuously evolving e-transaction platform that can be flawlessly integrated with your existing website, enterprise software and/or embedded hardware (like POS).

Despite the primary focus is on secure (financial) transactions, the P&S identification model can also be used for access control to the home, office, hotel room, public transport and airports. Even managing metered services at car parks or equipment rental, and to confirm the identity of recipients by couriers belong to the numerous application areas.

This and many other integrations can be done by your own IT-staff by simply communicating with our platform independent and well documented web service. Naturally you still can consult the P&S Professional IT Services to give you a helping hand with this integration.

This web service is hosted in our own secure datacentres which in turn results in reduced hardware, maintenance and other related IT costs for your company.