GRAPHITE PAYMENTS ATM
PROGRAM
1
ATM STATISTICS
2013 Federal Reserve Payments Study
5.8 billion ATM withdrawals
1.9 billion from non-FI ATMs
$685.1 billion in volume
Average withdrawal is $118
SALES BENEFITS
You get to have a conversation with the merchant about how you can help them make money
Few others offer ATMs – be different and stand out Merchants are more inclined to do business with a company
that can provide them an additional revenue opportunity Additional revenue to offset the cost of a point of sale
system or their processing fees - close more deals
New revenue stream from ATM surcharge Same benefits as traditional card processing (give customers access
to money) without the related costs– No processing fees– No monthly minimums*– No retrieval or chargeback fees
Reduced PIN-based fees at the point of sale Cash retention
MERCHANT BENEFITS
ISO BENEFITS
Provide additional income opportunities
• Surcharge revenue
• Reverse interchange revenue
Strengthen merchant relationships through multiple payment solutions
New revenue stream
Traditional Dial UpDedicated phone lineReduced cardholder concernsRemote diagnostics
IP Solution Router – dial to IP converter Same ATM – connects to existing DSL or cable connection No additional transaction fees
Wireless ATMs Router – dial to wireless converter Same ATM – transactions transmitted via AT&T cellular network Additional service fees apply
CONNECTIVITY OPTIONS
Merchant CashMerchant stocks machineRapid replenishment of dispensed funds – 48 hour cycleStock as often as neededMost merchants opt for this solution
HT Vault Cash Graphite Payments handles all cash managementAdditional hardware requiredAdditional service feesIdeal for arenas, airports, hospitals
SETTLEMENT OPTIONS
Turn key solution
• Hardware, deployment and transportation services
• Installation and training
Multiple connectivity options
Online reporting
Vault cash and armor car solution
Graphite Payments ATM
PROGRAM OVERVIEW
Hyosung MiniBank 1520
Height: 55.4" Width : 16" Depth : 24” Weight: 269 lbs
ADA compliant
ATM topper
Visa encrypting pin pad
Thermal printer
Removable 1000 note cassette
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Placement Program Lease or Purchase Reprograms
THREE SALES OPTIONS
PLACEMENT OVERVIEW
Qualified high traffic locations
• Hospitals
• Malls
• Airports UCS completes a site survey No upfront cost to merchant
ASSUMPTIONS
ASSUMPTIONS
Customers Daily: 200
Usage Estimate x 5%
Transactions Daily: 10
Days per Month x 30
Transactions Monthly: 300
TRANSACTION REVENUE
Surcharge for Merchant $0.75
x Transactions Monthly 300
Gross Surcharge Revenue $225.00
Lease Payment N/A
Annual Surcharge Revenue $2700.00
Surcharge $2.25 per Withdrawal
PLACEMENT PROGRAM - MERCHANT REVENUE
HT ATM Buy-Rate is $1.00 per withdrawal. ISO and merchant receive 100% over the buy rate.
Surcharge $2.25 per Withdrawal
PLACEMENT PROGRAM - SALES AGENT REVENUE
TRANSACTION REVENUE
Surcharge for Sales Agent $0.50
x Transactions Monthly 300
Gross Surcharge Revenue $150.00
Lease Payment NA
Annual Surcharge Revenue $1800.00
HT ATM Buy-Rate is $1.00 per withdrawal. ISO and merchant receive 100% over the buy rate.
LEASING HARDWARE
Surcharge $2.25 per Withdrawal
TRANSACTION REVENUE
Surcharge to Merchant $2.00
Gross Surcharge Revenue Generated $600.00
Monthly ATM Lease Payment ($99.00)
Monthly Net Surcharge Revenue $501.00
Projected Annual Surcharge Revenue $6012.00
LEASE PROGRAM – MERCHANT REVENUE
HT ATM Buy-Rate is zero per withdrawal. ISO and merchant receive 100% over the buy rate.
Surcharge $2.25 per Withdrawal
TRANSACTION REVENUE
Surcharge to Sales Agent $0.25
Sales Agent Surcharge Revenue Generated $75.00
Interchange Revenue $0.25 per W/D $75.00
Monthly Net Surcharge Revenue $150.00
Project Annual Surcharge Revenue $1800.00
LEASE PROGRAM – SALES AGENT REVENUE
ATM Buy-Rate is zero per withdrawal. ISO and merchant receive 100% over the buy rate.
Funded Amount $3600.00Hantel 17005w ($2,300.00)Shipping and Handling ($0.00)Installation ($300.00)Last Month Payment ($99.00)
Sales Agent Net Funding $901.00
ATM LEASE EXAMPLE
ATM Lease $99.00 for 60 Months
Graphite Payments Factor Rate for A Paper is .0275. Take lease payment and divide by factor rate to obtain gross funding.
TRANSACTION REVENUE
Surcharge for Merchant $2.00
Gross Surcharge Revenue $600.00
Monthly Lease Payment ($99.00)
Net Surcharge Revenue $501.00
Annual Surcharge Revenue $6012.00
REVENUE FOR THE LOCATION
ATM PlacementATM Lease or Purchase
TRANSACTION REVENUE
Surcharge for Merchant $0.50
Gross Surcharge Revenue $150.00
Monthly Lease Payment N/A
Net Surcharge Revenue $150.00
Annual Surcharge Revenue $1800.00
Based on 300 Monthly Withdrawals
ROI – ATM LEASE
Machine Surcharge: $2.25Merchant Surcharge: $2.00Monthly Withdrawals: 300
1st Quarter
2nd Quarter
3rd Quarter
4th Quarter
Year Two Q1
Year Two Q2
Year Two Q3
Year Two Q4
Year 3 Year 4 Year 5
Revenue Surcharge Revenue $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $7,200 $7,200 $7,200
Quarterly total $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $7,200 $7,200 $7,200 Cumulative total $1,800 $3,600 $5,400 $7,200 $9,000 $10,800 $12,600 $14,400 $21,600 $28,800 $36,000 Expense
Hardware Cost ($297) ($297) ($297) ($297) ($297) ($297) ($297) ($297) ($1,188) ($1,188) ($1,188) Monthly Service ($30) ($30) ($30) ($30) ($30) ($30) ($30) ($30) ($120) ($120) ($120) Quarterly total ($327) ($327) ($327) ($327) ($327) ($327) ($327) ($327) ($1,308) ($1,308) ($1,308) Cumulative total ($327) ($654) ($981) ($1,308) ($1,635) ($1,962) ($2,289) ($2,616) ($3,924) ($5,232) ($6,540) NET Quarterly total $1,473 $1,473 $1,473 $1,473 $1,473 $1,473 $1,473 $1,473 $5,892 $5,892 $5,892 Cumulative total $1,473 $2,946 $4,419 $5,892 $7,365 $8,838 $10,311 $11,784 $17,676 $23,568 $29,460
REPROGRAMS
Merchant Cash – all surcharge goes to merchant and sales agent
Reprogram existing units in the field
Offer higher surcharge revenue by increasing the surcharge split or by increasing the overall surcharge amount
Upgrade kits available for non-compliant ATMs
Build a stronger portfolio
PROGRAM OVERVIEW
Why would I want an ATM?
• Additional revenue
Aren’t ATMs expensive?
• Most merchants don’t realize that ATMs pay for themselves
Who stocks the machine and how much cash is needed?
• Most merchants choose to stock the unit themselves
• Rapid replenishment
• Minimum amount needed - most recycle the bills everyday
• We do offer armor car and vault cash services
Frequently Asked Questions
PROGRAM OVERVIEW
What about shipping and installation?
• Graphite Payment’s program includes shipping, handling, installation and training
What communication methods are available?
• Dedicated phone line, IP or wireless
What happens if the machine breaks down?
• All units have a 1 year warranty on parts and 30 day warranty on labor
• Extended Service Agreement - $34.99/month
How will I know when the machine needs money?
• We offer online reporting that includes email and/or text messages alerts
Frequently Asked Questions
PROGRAM OVERVIEW
What about security?
• Our package includes bolting of the machine
• Cassette is removable so merchant can store in office during non-business hours
How much money can I make with an ATM?
• Most of the surcharge from each withdrawal
When will I receive my surcharge revenue?
• By the 7th of the month
Frequently Asked Questions
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