Cashless Payments

ABOUT CASHLESS PAYMENTS

Cashless payments offer an array of possibilities to consumers who are in a hurry, don’t have exact change, or even the right currency for wherever they are travelling.  Cashless payments encompass payments made with credit cards, debit cards, prepaid cards for closed environment settings like a workplace or university, payments by SMS are  now, gaining popularity, mobile payments via applications like Apple Pay, Android Pay, Google Wallet, or Nayax’s own Monyx Wallet app.

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ADVANTAGES

NAYAX SOLUTION FOR CASHLESS PAYMENTS

Streamlined and seamlessly integrates with a telemetry system and management suite

Fully certified by leading financial institutions

Accepts all credit card brands under one global bank agreement

Offers eReceipts to show consumers their purchases

Dynamic pricing allows operators to pass the convenience fee along to the consumer

Accepts mobile, SMS and NFC Payments, credit and debit cards that are swipe, contact or contactless, as well as prepaid cards 

MARKETS

Nayax’s cashless payment solutions are limited only by your imagination.  Cashless payments can be anywhere and everywhere that there is an unattended automated machine.  Kiddie ride at the shopping mall? Ice cream vending machine? Electric vehicle charging station? Massage chair? Car wash, laundromat, prize machine, personal lockers and, of course, the well-known snack and drink or coffee machines, the list is endless as to where cashless payments solutions from Nayax can enhance your sales and increase your bottom line.

PRE-PAID / CLOSED ENVIRONMENT SOLUTION

When you’re operating within a closed environment, your needs from your cashless payment system can be different. A facility such as a place of business, hospital, university usually wants to accept payment of services or products via prepaid cards. The prepaid cards can be employee or ID cards, key fobs, etc. And usually these users (employees, students, residents, etc.) will receive a discount on their prepaid cards, while visitors to the closed environment will pay full price. Nayax’s management suite makes it a simple task to upload prepaid cards to the system, no matter how big the institute is. At the same time, your users still want to enjoy the convenience of using open methods of payment (credit cards, mobile apps, etc.). Nayax let’s you offer all multiple payment methods to let you reach all potential sales.

Revalue prepaid cards, right at the machine

Offer different promotions: according to time, card type, number of transactions within a given period, etc.

See sales reports and oversee machine revenue

Manage card limits according to specific days, number of transactions per time period, etc.

BALLERUD GOLF CLUB CASE STUDY

Ballerud Golf Club started in 1992 with 200 members and today has a significantly larger and loyal team of members. They have installed two NAYAX payment terminals at their golf ball dispensing machines. Below is a recount of their experience with the NAYAX payment solution and support over the last four years.

THE CHALLENGES BEFORE 2013

“Large amounts of coins, a lot of currency exchanges and large cash withdrawals were a significant part of everyday life before the installation of NAYAX payment terminal,” says Ballerud Golf, Thomas Faale, General Manager. “Our machines accepted coins only and we counted coins by weight. On a good day, 10,000 kroner is a lot of coins! For the customer, it took a long time to exchange their bills to coins. People needed to stand in line to switch to coins, they would glance at the clock and decide that the queue was too time consuming. As a result, they left home. In addition, there were cases of vandalism and burglary attempts on the machines.”

THE SOLUTION

Ballerud Golf decided to test the NAYAX payment terminal at one of its two golf ball dispensing machines in 2013. This was so successful that the following year, Ballerud installed a second payment terminal. The two machines with payment terminals reduced vulnerability in those cases of technical challenges, and serviced customers more efficiently during hectic periods.

“After NAYAX was taken into use, we have noted that sales have increased. People today are more comfortable with using credit cards than before. We are clearly

earning more after we installed the payment terminals. The NAYAX payment terminal costs something in terms of commission and operating expenses, but the revenue increase makes it pay,” says Faale.

“In 2013, card usage was around 30 percent of sales. So far this year (2017), card use amounts to 80 percent, the rest is divided between discounted vouchers and cash sales. In 2013, the transaction time was extremely fast. Various security requirements from card companies have meant that the transaction itself has slowed somewhat over the years,” explains Faale. Updating firmware on the payment terminals occurs at night so that this does not lead to lost sales because the vending machines are available to the golf customers all the time.

PURE GYM CASE STUDY

Pure Gym wanted to explore the possibility of offering different payment methods.
The story of Pure Gym in the UK illustrates the difference the Nayax cashless payment solutions can make to operators and consumers.  Take for example the partnership and implementation with Pure Gym, as it is discussed in a case study on the project implementation:

“When you go to the gym you don’t want to be carrying lots of cash around with you,” GVS National Account Manager Pat Gibney points out.
“Apart from the question of security, these days we have come to depend on the convenience of cards.”

Within a month all the new machines were supplied and installed and the existing 100 machines were retrofitted with cashless payment capability.

Lewis Zimbler, Operations Director at Nayax UK, worked closely with Pure Gym and GVS to deliver the solution:

“The project was a great success. Our Nayax Cashless Payment solution is designed to combine financial services with the latest technology so that vendors can benefit from cashless payments without being concerned with merchant accounts or data security.
Not only does the cashless system make life easier for Pure Gym customers who have forgotten to bring cash, but it also facilitates more sales because their spend is not limited by the amount they have in their pocket. As a result, since the introducing the cashless payment system, there has been a significant uplift in sales.” Pure Gym was delighted with the solution and continues to roll it out with every new gym they open.

FREQUENTLY ASKED QUESTIONS

Considering adding cashless payments to your business? Have questions?
Check out our FAQ’s, and contact us for even more, personalized information about how Nayax can help you grow your business with a cashless payment solution.

NEDEN NAKİTSİZ ÖDEME?

Nayax’ın nakitsiz ödeme çözümleri size daha fazla tüketicinin ödeme tercihlerine hitap edebilmenizi sağlar. Günümüzde makinenize gelen her potansiyel tüketici nakit taşımıyor ve bir tek satışı bile kaçırmanı istemeyiz. Müşterinize nakitsiz ödeme olanağı sunarak, herhangi bir kredi kartı veya bankamatik kartı, Apple Pay veya Google Cüzdan gibi mobil cüzdan uygulamaları ile rahatça satın almasına olanak sağlayabilirsiniz. Bu, size kolaylık ve güvenlik sağlayarak nokta bazında satışlarınızı arttırmanızı sağlayacaktır.

NE TARZ NAKİTSİZ ÖDEMELER KABUL EDİLİYOR?

  • Credit / Debit cards
  • Mobile, SMS, and NFC payments
  • Prepaid cards, closed environment
  • Swipe, contact (insert), and contactless

SAHTE SATIN ALIMLARI NASIL ÖNLERSİN?

Nayax’ın nakitsiz ödeme çözümü, maksimum işlem güvenliği sağlamak için uygulanabilir dolandırıcılık karşıtı önlemler içerir.

MAKİNEMİN UYUMLU OLUP OLMADIĞINI NASIL BİLEBİLİRİM?

Nayax’s cashless payment solutions are easy to install, simple to use, and compatible with all automated machine and standard protocols. Check out some of the machine manufacturers we already work with.

TEKNOLOJİ GELİŞMELERİ (GÜNCELLEMELERI)?

Yazılım güncellemeleri uzaktan erişimle sağlanır, böylece her makineyi ziyaret etmeden en yeni özelliklerin ve güncellemelerin keyfini çıkarabilirsiniz.

NAKİTSİZ ÖDEMELER GÜVENLİ MİDİR?

Nayax nakitsiz ödeme çözümleri en yüksek endüstri standartlarını karşılamakla beraber lider kuruluşlar tarafından onaylıdır. Ayrıca EMVCo (seviye 1 ve 2), CE, FCC, RoHS, Mastercard PayPass, Visa payWave, PCI DSS dahil olmak üzere yasal düzenlemelere uyumludur.

GERİ İADELER NASIL GERÇEKLEŞİR?

Nayax, bankayla bağlantı kurma zorunluluğu olmaksızın iadeleri uzaktan halleder.

İADE SÜRECİ NASIL İŞLER?

Nayax, online olarak ve/veya Monyx mobil cüzdan yoluyla tüketiciye otomatik uzaktan geri ödeme yapabilir.

NAKİTSİZ ÖDEME ÇÖZÜMÜ HANGİ ÜCRETLERİ KAPSIYOR?

Banka takas hizmetleri, sunucu ücretleri, M2M iletişimi, nakitsiz ödeme çözümleri ve nakitsiz işlemler üzerinden komisyonlar, Nayax aylık servis paketine dahildir ve başka bir maliyeti yoktur.

Credit Card and Cashless Solutions for Vending Machines

VENDING MACHINE CREDIT CARD SOLUTION

Bir otomat operatörü olarak, mekanlarınızdan herhangi birinde tek bir satışı bile kaçırmanızı istemeyiz. Nayax’ın otomat ödemeleri için kredi kartı çözümleri sunmasıyla, cebinde bozuk para olmasa bile, her müşterinize çözüm sunabileceğinizden emin olabilirsiniz.

LEARN MORE

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