We believe that our primary market differential for the next several years is our end-to-end platform that integrates our payment processing products (namely, our Linx Pay, EFT and conciliation products) with our management software (Linx Core) and our omni-channel technologies (Linx Digital). Through our product offerings, we provide retailers a seamless experience through one point of contact, allowing them to focus on their core businesses.
Linx Pay Hub offers a wide range of applications to our customers including:
Linx Pay: Our sub-acquiring business. For customers, Linx Pay works as if it were an acquirer at attractive rates. For acquirers, Linx Pay works as a distribution channel, increasing processing volumes;
Electronic Funds Transfer: EFT is a “middleware” between POS software and the retail acquirer that allows our customers to direct credit and debit card transactions to their merchant acquirer of choice (credit and debit card processor), among other functionalities. This entirely electronic payment solution is also fully integrated with our ERP software and has been adopted by more than 40,000 POS. Through EFT, we have a unique opportunity to capture a significant volume of debit and credit card transactions pass through the cloud gateways managed by Linx.We actively seek to expand our electronic payment mechanisms. With the increase in debit and credit card transactions, as well as the adoption of cloud-based software, the importance of and demand for these solutions has increased. We offer EFT services as a complementary solution to our software solutions and our primary strategy is on cross-selling to our existing customer base. Customers using our EFT solutions may experience improved performance, stability and availability of our other software solutions.
Reconciliation solution: a transparent, optimized and efficient solution designed to improve business and financial management while providing unique insight into merchant flows;
Prepayment of Trade Receivables: easy-to-use and effective receivables management providing working capital solutions for retailers;
Gateway: an online payment gateway for e-commerce;
Payment Split: efficiency gains and cost savings platform that provides the unique ability to split payments between different recipients; and
Shopbit: a free management software for micro and small retailers. Shopbit provides entrepreneurs with easy to use and customizable management tools (e.g., orders and inventory management), which can be accessed from any device, such as a smartphone or tablet. While the software license is free, revenues are generated as each transaction using Shopbit is processed via Linx Pay.
QR Linx: integrates digital payment applications (e.g. e-wallets) with Linx Pay´s retail clients, allowing the acceptance of new payment methods in an integrated and native way through business automation, TEF and payment reconciliation solutions.
Payments Link: It allows retailers to offer customers a secure link to pay for their purchases via messaging applications. The tool is fully integrated with the retailer’s POS, eliminating the need for a website to make a not-in-person sale.
