Q Pay Spot Presented by RAPID COMMUNICATIONS JUNE 5TH , 2009

What is Q Pay Spot?

Q Pay Spot (QPS) service represents modern way of payment traffic with a base in point-of-sale (POS) terminals that enable payment traffic of specialized services through GSM/GPRS network of mobile phone system. The use of QPS GPRS/USSD POS terminal provides efficient, precise, reliable and safe payment, i.e. control and evidence of payment at many places with significant decrease in costs. Goods and services are paid faster, simpler and more efficient while expenses of installing and implementing the terminal are very low.

Q Pay Spot service implements over 350.000 transactions per day. From a technical point of view, GPRS POS terminal has multiple advantages when compared to classical POS terminals, because it transfers the data using GPRS network, i.e. it does not require traditional telephone line. Rechargeable batteries in QPS terminals are making the system completely independent of power supply. Q Pay Spot service implements over 350.000 transactions per day.

QPS TERMINAL Thermal printer Display Menu navigation buttons GPRS Module Serial port for card readers

What are the services offered by Q Pay Spot?

Q Pay Spot service, in one place, provides the following: Top-up of pre-paid telephones for all mobile operators Top-up of debit cards Payment of all kinds of utilities (electricity, home telephone, cable TV) Payment of goods and services with credit cards Mobile, cash-free, way of payment

How to use Q Pay Spot?

Mobile phone subscriber finds out that he has no more airtime on his pre-paid phone

He goes to a Q Pay Spot POS outlet located at the closest newspapers stand, foodstore, hotel, train station...

The value of a pre-paid airtime is paid in cash and this can be any amount, even a fraction of a Kshs, i.e. 20.70

QPS sales person types in the phone number and the amount paid...

Mobile phone subscriber receives the receipt confirming the transaction...

Within 2 seconds an SMS arrives to his cell phone confirming that Kshs20.70 has been credited to his number...

All members of the QPS transaction circle are satisified: mobile subscriber, mobile provider and QPS POS vendor

Benefits with Q Pay Spot

DISTRIBUTOR OF SERVICE

The vendor has on-line, real-time information about: Number of terminals in operation Location of the terminal Turnover of that particular Q Pay Spot Total turnover of all the sales outlets using Q Pay Spot and belonging to one owner (ex. all post offices in one city, all Mc Donald‘s restaurants in the country, etc.) Statistics about the the best selling Q Pay Spot terminal or the best client with Q Pay Spot network of terminals Number of transactions Average value of transaction History of one particular Q Pay Spot (how has it evolved)

QPS transactions - Online monitoring

Point of Sale – Overview and change of data about Q Pay Spot Outlets Contractor - Overview and change of data of the customers who own QPS terminal Point of Sale – Overview and change of data about Q Pay Spot Outlets Seller – Overview and change of data about the salesperson Terminal – Overview and change of data of terminals GSM top-up – Overview of GSM top-ups for certain period GSM statistics – Overview of statistics which covers number of active terminals, number of terminals which had top-ups, average top-up value per terminal, etc. GSM rollback – Transactions which were made and then cancelled GSM traffic – Overview of top-ups per customer Diners – Overview of Diners Club Credit Card transactions Internet top-up – overview of internet top-ups One can chose if the total transactions are monitored or per operator Contractor - Overview and change of data with the customers who own QPS terminal Point of Sale – Overview and change of data about Q Pay Spot Outlets Seller – Overview and change of data about the salesperson Terminal – Overview and change of data of terminals GSM top-up – overview of GSM top-ups for certain period GSM statistics – overview of statistics which covers number of active terminals, number of terminals which had top-ups, average top-up value per terminal GSM Traffic – overview of top-ups per customer Diners – Overview of Diners Card transactions Internet top-up – overview of internet top-ups   In the right-hand window one can see whether one should see all mobile operators or just particular ones.  One can also chose the period…

Vendor will have statistics on differences in week-day turnovers vs Vendor will have statistics on differences in week-day turnovers vs., week-ends, vs. national holidays, etc. How is the weather. i.e. the temperature infulencing the turnover How is an advertising campaign influencing sales, for instance mobile operator billboard location vs. Q Pay Spot location All this metadata can be used in making the right decision for business (sales, distribution, marketing, advertising)

Mobile operator will no longer have to manufacture pre-paid vouchers Mobile operator will no longer have to distribute pre-paid vouchers Invoicing of the pre-paid services sold is much more transparent and efficient with Q Pay Spot Total turnover by terminal, by location, by customer is now always readily available. All this information is effortlessly transferred into an invoice from the mobile provider to the QPS POS outlet owner on a daily, weekly, monthly basis

Q Pay Spot provides to all business subjects that give postpaid receipts for their services, extremely efficient and effective solution. Through Q Pay Spot service many companies that are in a business of energy, transport, communal service, telecommunications, as well as all institutions on local or national level can implement their demands. Payment of all types of bills (electricity, home telephone, cable TV, etc) is done in a very simple, safe and exceptionally quick way.

The most important advantages that Q Pay Spot has for you as a service provider are: You receive over X.000 payment spots throughout the country where your clients can pay their dues in any moment of time You improve you current position on the market You obtain leader position and you stand out from competition You enlarge your income You eliminate the costs of printing and distributing all kind of postpaid bills and prepaid cards Quick and safe flow of information on transactions

Q PAY SPOT OUTLET

By having terminal of Q Pay Spot Service you gain numerous advantages and possibilities: You enlarge the offer of services that you can provide You enlarge your income You receive commission from each transaction that you handle through Q Pay Spot service You improve your position in the market You stand out from competition Daily, quickly, safely you receive information on payments Mobile operator will have statistics on differences in week-day turnovers vs., week-ends, vs. national holidays, etc. How is the weather. i.e. the temperature infulencing the turnover How is an advertising campaign influencing sales, for instance mobile operator billboard location vs. Q Pay Spot location All this metadata can be used in making the right decision for business (sales, distribution, marketing, advertising)

Q Pay Spot terminal, thanks to its dimensions, does not require a lot of space Q Pay Spot terminal does not require a separate phone line Q Pay Spot terminal enables you to accept you every payment card You do not need investments for installing QPS terminal You receive promotional appearance, concept of campaign and all promotional material

END USER

Users of Q Pay Spot service have nicer and easier life Users of Q Pay Spot service have nicer and easier life. Advantages of using Q Pay Spot: Saves your time - the standard payments are now faster Saves your money – different payments are free from commissions Enables you to complete different payments in many places or vice versa Offers possibility of paying your bills when it is the most suitable for you – anytime, anywhere

Q Pay Spot service can be connected with the entire banking sector of a particular country. Furthermore, through Q Pay Spot service Diners Club Cards can be used as well. Visa, Master and other credit/debit cards are envisioned in the very near future. In this way banks and other financial institutions and organizations can achieve the following: Enhance their business Enlarge turnover & income by the use of all payment cards Take innovative position in the financial sector Receive online, safe, transparent and confidential information on implemented transaction through payment cards