Merchants can pick up lost sales by using a no-credit needed payment program for their customers who can pay over 3/6/12 months. The merchant get\'s their money upfront, in full in 48 hours.

1. WELCOME

2. Secure Payment Systems
PayDay EXPRESS PLUS
3, 6, AND 12

3. PAYDAY EXPRESS PLUS
3, 6 and 12
WHAT IS IT?

4. PAYDAY EXPRESS PLUS
REVOLUTIONARY FINANCE
TOOL FOR CERTAIN
RETAILERS AND MOTOR
VEHICLE DEALERS

5. SPS RETAIL “PAYDAY EXPRESS”
FEATURE
• 3, 6, 12 MONTHS SAME AS CASH
• USE YOUR CHECKING ACCOUNT FOR
PURCHASE AND LET CONSUMER S-T-R-E-T-C-H
OUT THE PAYMENTS FOR UP TO 12 MONTHS
• TRANSACTION IS COMPLETELY GUARANTEED
BY SPS (ONCE MERCHANT IS PAID HE STAYS
PAID-SOME EXCEPTIONS APPLY)

6. PAYDAY EXPRESS PLUS
3, 6 AND 12
• RETAIL PAYDAY EXPRESS
• RETAIL PAYDAY EXPRESS PLUS

7. PAYDAY EXPRESS 6 AND 12
• OFFERS 3, 6 OR 12 MONTH ‘SAME AS CASH’
CONVENIENCE
• WE AUTOMATICALLY DEBIT THE CONSUMER’S
BANK ACCOUNT AT 30 DAY INCREMENTS UP TO
12 MONTHS FROM ORIGINAL DATE
• SEND FUNDS DIRECTLY TO MERCHANT’S BANK
ACCOUNT-ELECTRONICALLY!

8. PAYDAY EXPRESS PLUS
3, 6 AND 12
• MERCHANT IS PAID IN ADVANCE
• OFFER NO FINANCE CHARGE FUNDING TO
MERCHANT CUSTOMERS
• MERCHANTS MAKE MORE SALES
• MORE APPROVALS THAN REGULAR
FINANCE COMPANIES

9. PAYDAY EXPRESS PLUS
3, 6 AND 12
RETAIL ‘PAYDAY EXPRESS’
TARGET MARKET

10. RETAIL ‘PAYDAY’ TARGET MARKET
• ANY HOMEOWNER BASED PURCHASE,
– DRAPERIES, CARPETING, FLOORING, AIR
CONDITIONING, PLUMBING, ETC.
• AUTOMOTIVE REPAIR
– TIRES, BRAKES, TRANSMISSION, ETC.
• EMERGENCY SERVICES
– VETERINARY CLINICS
– DOCTORS, DENTISTS

11. RETAIL ‘PAYDAY’
TARGET MARKET
• FURNITURE STORES
• SPORTING GOODS AND ASSOCIATED
PRODUCTS
– CAMPING GEAR
– SKI AND SNOW BOARD SUPPLIES
– GOLFING GEAR

12. RETAIL ‘PAYDAY’
TARGET MARKET
• GUNS AND AMMO
• COMPUTERS
• SOME USED CAR DEALERS
• MANY OTHERS…CALL IF YOU HAVE A
MERCHANT THAT MAY QUALIFY

13. HOW DOES IT WORK
• CUSTOMER WRITES 1
CHECK FOR 25 % OF
TRANSACTION
AMOUNT UP TO $7,500
• ALL CHECKS ARE
DATED FOR TODAY
(NO POST DATED
CHECKS)

14. HOW DOES IT WORK?
• MERCHANT AND
CUSTOMER FILL
OUT AND SIGN
RETAIL PAYDAY
SECURITY
AGREEMENT

15. HOW DOES IT WORK
MERCHANT CALLS
SPS FOR APPROVAL
UPON APPROVAL
MERCHANT PUTS
SINGLE CHECK AND
SECURITY
AGREEMENT
THROUGH IMAGER

16. HOW DOES IT WORK?
• ONCE COMPLETE CUSTOMER GETS
DEBITED IN 30 DAY INCREMENTS FROM
TODAY’S DATE UP TO 12 MONTHS
• MERCHANT IS PAID BY SPS IN ABOUT 2-3
BUSINESS DAYS

17. PAYDAY EXPRESS PLUS
3, 6 AND 12
HOW DO I SELL IT?

18. HOW DO I SELL IT?
• ALTERNATIVE TO EXISTING FINANCING OPTIONS
THAT ARE EXPERIENCING HIGHER THAN
NORMAL DECLINES
• NO CREDIT APPLICATIONS
• NO FINANCE CHARGES TO CUSTOMER, BUT
MERCHANT CAN CHARGE A SERVICE FEE IF
THEY SO CHOOSE

19. HOW DO I HELP MERCHANTS
ENROLL IN IT?
• DESIGNED TO GENERATE MORE
SALES FROM CUSTOMERS THAT
OTHERWISE MAY NOT AFFORD THE
PRODUCT OR SERVICE FROM THE
MERCHANT
• IN THIS ECONOMY EVERY SALE IS
EXTREMELY PRECIOUS

20. HOW DO I HELP MERCHANTS
ENROLL IN IT?
• DESIGNED TO GIVE OPTIONS TO
CONSUMERS IN DIRE SITUATIONS
• CREATES A WIN/WIN FOR
MERCHANTS AND CUSTOMERS
• TURNS A NO INTO A YES FOR
MERCHANTS THAT OTHERWISE
WOULD NOT HAVE ANOTHER OPTION

21. IMPORTANT POINTS
• THIS WILL ENCOURAGE MERCHANTS THAT
ARE LOOKING FOR A WAY TO CAPTURE
LOST SALES
• THIS IS NOT MAGIC…THERE WILL BE
TURNDOWNS OF MERCHANTS AND
CONSUMERS
• CUSTOMER APPROVALS MAY BE LOWER
THAN YOU THINK…FOR MOST MERCHANTS
IT SHOULD BE AROUND 50-70+%

22. IMPORTANT POINTS
• MOST DISCRETIONARY PURCHASES
I.E. JEWELRY, ELECTRONICS, TV’S,
CLOTHING, AND THINGS THAT ARE
BASED ON WANT OTHER THAN NEED
ARE DOUBTFUL TO BE APPROVED
HOWEVER THEY MAY BE APPROVED
FOR CREDIT CARD PROCESSING
• CALL IF YOU HAVE DOUBTS

23. IMPORTANT POINTS
TARGET MARKET LIST IS IMPORTANT,
BUT WE DO MAKE EXCEPTIONS ON
CERTAIN MERCHANTS, SO DO NOT
HESITATE TO ASK

24. IMPORTANT INFO
ACCEPTABLE MERCHANT TYPES FOR
CREDIT CARD PROCESSING
•
•
•
•
•
PAWN SHOPS
USED CARS
JEWELRY STORES
CLOTHING STORES
ELECTRONICS, HOME AND CAR STEREO, TV’S,
ETC.
• BAIL BONDS
• TOWING

25. Offers the merchant the capability to select during
each transaction from any of the three financing
term options, or only one or two options depending
on their choice.

26. Lloyd Lofton – 800-346-2198
lloydlofton@yahoo.com