1. technology and computing

Omnichannel
Payments
The Connected
Consumer
The way consumers buy goods and services
is changing profoundly
We now exist in a truly global, connected and digital world. A world of choice that lets us purchase
however and whenever we want. As consumers, we can choose to interact with brands online, offline
or simultaneously with a combination of the two. Those brands may be local businesses, or on the
other side of the world. Either way, we expect brands to provide us with simplified and joined up
experiences, with products and services provided as and when they are needed.
We are becoming more and more astute, with online reviews, showrooming, price comparison
websites and social media all providing us with a proliferation of digital information to make more
informed choices.
When we buy, particularly using digital
and mobile channels, we increasingly
seek easier buying experiences. But, at
the same time we are also careful
consumers. Careful about the brands we
build relationships with and careful
about the data we share with them. By
the very nature of sharing our payment
and contact details with a business, we
are entering into a relationship of trust.
If our payments data is breached in a
high-profile security hack or our
contact details abused by irrelevant,
over-aggressive marketing, then the
relationship collapses.
Seizing the
Opportunity
Ultimately, this changing environment
presents both challenges and opportunities
for businesses today
Against this backdrop of rising consumer expectations, delivering better customer experiences is
critical. By understanding key customer journeys across all channels, you can deliver a more coherent
and seamless service. Many businesses are also seeking growth through expanding their geographical
reach and entering new markets. With this in mind, it is important to tailor the payment choices and
the added value services you offer to the consumers you are serving.
In our view, leveraging insight from your payment
data, regardless of the point of interaction, through
a single payment platform should be a goal for
today’s businesses.
Ultimately, businesses must carefully balance the
consumer expectations around convenience, with
the need to ensure payments are secure.
Of course, as well as achieving growth and better
customer experiences, it is critical for businesses to
look at ways to reduce the overall cost of their
payment processing. Outsourcing and simplifying
your business‘s payments processes can provide
significant opportunities to reduce costs.
At the same time, it remains imperative that all
your customers’ card and payment details are
processed and stored securely and in accordance
with increasingly complicated regulatory and PCI
compliance requirements. This is a complex and
costly exercise for any business, especially if you are
operating across multiple channels and markets.
Finally, at a time when the market is innovating
rapidly, any payment solution you invest in has to
be able to support your business needs now and in
the future, by offering both choice and flexibility.
Driving customer interactions
Security and compliance
Our experience of working with many of Europe’s biggest brands gives us a unique insight into
today’s marketplace and tomorrow’s trends. These trends inform our strategy, which in turn
drives our roadmap. We have identified eight key focus areas:
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Enabling your customers to beat the queues, mobile
devices can also help in-store staff to provide a better
customer service, by allowing them to have information
at their fingertips. By liberating your tablet-enabled sales
staff from the cash desk, you have the opportunity to
reconnect with customers in a whole host of ways. We
provide a flexible range of mobile POS implementations
and advise on the best model for your customers and
your business.
Your consumers could be browsing in-store,
researching online and completing payment via their
mobile. Understanding how your customers interact
across all your channels is critical to delivering a
consistent experience to your customers. Our
omnichannel payment platform provides this insight
through tokenisation, which also ensures fast and
convenient commerce.
Managed Service
Payments is a complex business undergoing profound
changes, driven by technology, regulation and consumer
expectations. Outsourcing to a single managed service
provider like The Logic Group can offer long-term savings
by optimising your payment processing. We invest heavily
in our services, infrastructure and people. This enables us
to deliver a best-in-class managed service that allows you
to focus on your core business priorities.
International
Consumers could be entering your online store from
anywhere in the world. Accepting their preferred, local
payment methods, language and currency will help
you tailor your checkout experience and convert more
sales. As does offering international spenders in the
UK a range of value added services, such as tax-free
shopping and dynamic currency conversion.
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Security is an intrinsic part of the payment process.
Being vulnerable to a data breach poses very real
commercial risks to your brand, both in terms of fines
and customer abandonment. Our solutions remove
card data from all your channels, from the latest PCI
validated Point to Point Encryption software in-store
to hosted Paypages online. This ensures your card data
is secure, which protects your brand and saves you
money, by reducing the burden of PCI DSS compliance.
Contactless and NFC
The growth of contactless payments is accelerating in
many environments, as consumers expect to be able
to pay quickly. We support the latest contactless
technologies across all the major schemes, including
both low and high value contactless on a range of
devices, from cards to mobile phones.
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Key Payment
Drivers
Rewards and Value Adds
The connected consumer is becoming used to instant
gratification before, during and after engaging with their
brand of choice. In a highly competitive market, incentives
and offers are constant. Whether it’s a mobile stamp card
or a targeted coupon at till to a non-loyalty scheme
member, we deliver services that allow you to offer more
personalised and relevant communications, that leverage
insights from your payments data, to drive further
customer engagement.
Digital Wallets
Digital wallets enable consumers to carry virtual
payments and loyalty cards on any mobile device. This
technology can make paying more convenient and more
rewarding for the consumer. Whether it’s integration with
PayPal, MasterPass or V.me, we are at the forefront of
helping our clients harness new technologies to deliver
even more convenience, security and rewards to their
customers.
Our Omnichannel
Payment Solution
The Logic Group’s payment solutions ensures that whenever and however
customers want to pay, it is always secure, always convenient and always
rewarding. We provide secure, innovative services that deliver the convenience
and ease of use expected by today’s consumer.
The Logic Group offers a single payment platform across all channels that
delivers exceptional customer experience. It facilitates a wide choice of
payment options, addressing both the needs of the consumer and the
challenges faced by retailers.
Our PCI compliant platform is built to manage all of your
customer interactions across your multiple channels. With
many of Europe’s leading brands as our clients, our
omnichannel solutions process three billion transactions
per annum and help businesses process all types of
transactions quickly and reliably, while always ensuring
data is managed securely.
Our service comes built-in with value-added services that
you can take advantage of easily, through a single
integration, including cross-channel tokenisation,
mobile wallets, estate management, real-time
fraud checking, loyalty and much more.
Our service is built to be flexible. We can provide a
tailored solution based on the choices that large
businesses demand. Choice of the latest PIN pads,
acquirer connections, payments types, currencies
and added value services – we will work with you
to configure your unique payment solution.
Our Managed Payment Service
Supporting All Channels
Solve Centurion Platform
In-store
Online and Call Centre
We support the flexibility
demanded by the modern
consumer. We are able to quickly
and securely process your
payments online, over the phone
and on mobile – with one click
and optimised checkout
experiences.
Mobile
We help brands to join the
connected and digital world by
enabling simple mobile payment
and loyalty experiences via
mobile devices.
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Choice of PEDs/MPOS devices
P2PE validated solutions
Tap to pay/scan to pay
Low/high value contactless
Automated offline processing
Integrated with leading EPOS providers
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Hosted payment page
3D Secure
Real-time fraud validation
Alternative payments/wallets
One click payments
Click and collect
Integrated to leading ecommerce providers
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Hosted payment page
iFrame CSS styling
Call masking solutions (DTMF)
Integration using tokens
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Mobile-optimised payment page
MPOS solutions
Mobile loyalty programmes
In-app payments
Location based services
Stored card support
Authorisation
& settlement
• Acquirers
• Card schemes
• Alternative
payments
Delivery of excellent customer experience
• One-click powered by tokenisation
• Account updater services
• Support checkout conversion analysis
• Targeted offers and coupons
Estate
management
Loyalty & value
add services
PCI Compliant
Fast, secure and reliable processing platform
• 24/7 service
• Globally load balanced platform
• Dual data centres
• Service oriented architecture
• Tailored test services
Simplifying business processes
• Single reporting suite
• Estate management
• Proactive service management
• Choice of acquiring connections to optimise costs
Data &
insights
Fraud
checking
Benefits
Protect your payment data
• PCI DSS Level 1 compliant
• P2PE validated solutions
• Tokenisation solution
Encryption &
tokenisation
Single point of interaction
We enable brands to accept all
types of payment and loyalty
interactions through cards, mobile
and wearable devices. Our
software operates on a wide
choice of fixed and mobile
payment devices.
3rd Party
Connections
• Fraud providers
• Dynamic currency
conversion
• Tax free shopping
• Mobile platforms
• Gift and pre-paid
providers
Maximise payment choice
• Debit, credit, purchasing, gift cards, store cards
• All major schemes – Visa, MasterCard,
Amex, Diners, Discover, JCB, Union Pay*
• Alternative payments
• Support own brand wallets
Protecting your business against fraud
• Velocity checking
• Real-time bespoke fraud checking
• White lists
Tailored services for the global consumer
• Multicurrency
• Multilingual
• Alternative payments
• Dynamic currency conversion
*2015
An Expert Team to
Support You
Our Managed Payments Service is designed to deliver a world class omnichannel
payment solution for your business. Our technology is backed by the best team in the
business – from our payments consultants who can help tailor the platform to meet
your specific requirements, to our support and dedicated service management teams.
Our proven track record with many of Europe's largest businesses, means you can trust
The Logic Group to deliver leading omnichannel implementations.
With The Logic Group, you can stay focused on what you do best, while we get on with
delivering your customer payment solution.
About
The Logic Group
The Logic Group sees a future where everything comes together. A future where
every customer interaction paves the way for opportunity.
We believe payments, loyalty and insights can work together to deliver
outstanding results.
Our payments solutions ensure that whenever and however your customers want
to pay, it is always secure, always convenient and always rewarding.
Our loyalty services, whether they are member-based programmes or the latest
mobile promotions, can help you attract and inspire new and existing customers.
Both your payments and loyalty data give you insights, which sit at the heart of
our vision. These insights allow you to understand your customers, enabling you
to have a more focused and relevant dialogue.
Contact us to discuss your omnichannel payments requirements
The Logic Group
Enterprises Limited
Logic House
Waterfront Business Park
Fleet, Hampshire
GU51 3SB
United Kingdom
phone
fax
email
visit
+44 (0)1252 776 700
+44 (0)1252 776 738
[email protected]
www.the-logic-group.com
Registered in England, Number 2609323
The Logic Group