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We have talked many times about the benefits of systematizing your business, to strengthen the commercial area and maintain effective processes, but no business is exempt from a sudden suspension of operations due to unexpected incidents such as: natural disasters, electrical failures, human error, among other eventualities. This can cause significant losses if there is no backup strategy to solve it quickly. Do you know how to protect your information and give continuity to your processes? If the answer is yes, you already know that all it takes is some help of technology and a DRP (Disaster Recovery Plan). What is a DRP? A DRP, (disaster recovery plan) is a plan carried out through a structured strategy with measures and actions that guarantees the security and restoration of technology and information services of the companies after having suffered an eventuality that affects their operations. The goal is to minimize the impact and downtime that a disaster can cause, allowing you to get back to business quickly and efficiently. How to create a DPR? Creating a DPR (Disaster Prevention Plan) can be accomplished by considering the following six (6) steps: Step 1: Create and train a team. Designate a team dedicated to planning and implementing the Disaster Prevention Plan, DPR. It is important that all departments of the companies are involved. Step 2: Evaluate the risks. Understanding what the potential risks would be will help your business develop relevant recovery strategies. Ask yourself, what are the eventualities that could affect my business quality? Here are a few that could help you: • Accidental deletion of information due to human error. • A natural disaster. Involves earthquakes, floods and/or hurricanes. • An epidemiological alert (epidemics due to viruses or diseases). • Electrical failures, fires or damage to the facilities’ pipes. • Cyber ​​attacks, hacking and/or data theft. Step 3: Define the objectives. It is important to define the requirements and metrics to evaluate the DPR’s effectiveness, which could be: • Guarantee business continuity. • Protect the information of the company and its customers. • Minimize financial impacts caused by downtime. • Minimize downtime and start up. Step 4: Analyze the impact. A risk assessment must be carried out, based on a Business Impact Analysis (BIA), based on which you can make decisions and implement effective recovery strategies and implementation of data backup policies. Step 5: Describe the plan. Prepare a descriptive document on the strategies to be implemented before, during and after suffering an eventuality. This plan must follow a communication protocol, defined security measures and recovery procedures for systems and applications. Step 6: Test and update your DPR, so you can identify possible failures and make improvements. Set a regular maintenance schedule. What are the benefits of having a DRP? ‍Risk identification: Having a DRP allows you to identify, plan and evaluate the possible risks and needs that affect your company, with the aim of adopting measures to mitigate possible threats and having a fast reaction, since there is prior knowledge of the infrastructure, technology and business operations. Protection of information: Have an external backup that makes constant backup copies so the data can be recovered and reactivated in the shortest time possible and thus minimize losses due to inactive of operations. Customer trust: Let customers know that their data is protected, this helps to maintain a trusting business relationship as well as allowing downtime not to affect the compromise with suppliers and customers, maintaining a positive image of the company. Your information is safe with Universum If you purchase a POS System with Universum and subscribe to an uCare or uCare+ plan, the peace of mind of your business is assured. Your information will always be protected since updates and backups of important customer data are constantly and automatically happening. Said information is protected in our cloud and if something unforeseen happens, you can access them fast and smoothly. In addition, uCare plans provide the protection of your devices and the option to replace devices, which applies to any type of damage or unpredicted event, without additional costs. 📖 Find out more about the uCare plans and their benefits here Do you want more information? Learn more about this subject and/or our processing services benefits by contacting our sales agents at +1-978-416-9964 or visiting our web page: www.universumsolution.com Don’t forget to follow our social media: Facebook, Twitter and Instagram LinkedIn: Universum

Do you work with cash in your business? Don't risk it! Learn to detect and prevent fraud with these simple steps and ensure the safety of your money. Discover how Universum gives you peace of mind in your operations. Although transactions through credit and debit cards have gained more confidence and use when paying for a product, cash is still the most common way to receive payments in businesses. Handling cash is the easiest way to guarantee money on your hands, but you may be at risk of fraud, loss, or theft in sales. To receive your payments, you must do it in an organized way and the best way to do it is by implementing a POS System. With this tool, you can keep track and have the sales on record, no matter if the transaction is carried out with cash or any other payment methods. If you want to know other ways to minimize expenses in your company, we recommend this post: 📖 How to fight pilferage Learn to take control of your cash with these simple steps: Keep track of sales with a POS system that allows you to register all your sales and helps tracking the cash received as well. Your inventory under control: Avoid theft or cash loss due to sales record errors. With the POS System, you keep an updated record of the products you have sold, plus their availability. If you need help with your inventory we recommend this post: 📖 Efficient Inventories: The key to your business’s success Integrated cash drawers: have control over the opening and closing of the box where the money is kept. Also, you can control who manipulates the cash that comes in and goes out. It is also important to have more than one cash register and security covers, here we recommend an option. Instant sales reports: Through the reports, you may know more details about sales made and your customers. In addition, you'll be able to identify any errors and make the respective comparisons between the products sold and the transactions carried out. If you want to know other advantages of owning a POS here we leave you a link: 📖 Optimize your business and increase your sales. Recommendations to guarantee the security of your cash payments Scuring money is the objective of every business, the security and confidence provided by the POS System in use, is essential for all its operations, however, other processes are also important and guarantee good operational management. These are some recommendations to enable your business to flow properly. • Trained personnel: The personnel that manages the POS must be competent and trained to carry out the procedures that guarantee security in handling cash. In addition, they must know how to verify the authenticity of the money received and avoid counterfeit bills. • Secure Cash Drawer: The cash drawer must always be closed, locked, and only opened when making transactions or counting money. Also, when money requires counting, it must be done in a secure and private location. • Periodic counts: Performs periodic counts to verify that the money received and registered on the POS matches the cash counted at the cash register. This way you can identify money differences and take steps to correct them. • Updated POS: Updated POS software guarantees the safety of your processes. Universum gives you security in the management of your cash Making transactions with our POS system is secure, employees with a personalized access code are the only ones able to open the register. Business owners can verify cash payment entries and use camera to monitor the transactions made. If you want to know more about the benefits that Universum can offer to your business, contact our sales agents at +1-978-416-9964 or visit our web page: www.universumsolution.com Don’t forget to follow our social media: Facebook, Twitter and Instagram LinkedIn: Universum

Gain time, profitability and confidence by making the correct use of inventories. Having a record of what is available in your warehouse optimizes the management of your operations and guarantees an organized business, improving profits and maintaining the security of having enough products to satisfy the demand of your customers. We recommend you do your inventory and automate your business with a POS system. 🚀 Check these solutions out In this blog we will tell you about the benefits of having a systematized inventory, so you don’t need to make them in a manual and complicated way, minimizing the risk of losing money. An inventory is the first step for your business to succeed in sales. What do you achieve by doing it correctly? Warehouse control. You have the advantage of having a record of the products in stores and in storage. This helps you identify which products are selling the most and make sure that there is no shortage of some. In addition to being clear about which ones are selling little and thus making promotion decisions, and knowing which others are about to expire. Plan product re-stocking and make the purchasing process more efficient. This is thanks to the fact that you’ll be able to always know the number of products you need to meet the demand of your customers and avoid excessive or unnecessary purchases. Improvements in sales management because it allows knowing the availability of products and assertive management of customer expectations. What are the steps should you follow to gain control of your inventories? Step 1: We recommend that you acquire a Point of Sales System. One that is easy, simple and that still provides benefits and tools for the management of your company. Here we recommend one. Step 2: Create a database. All products must be registered in the POS System: Name, description, barcode, sale price, quantity in the warehouse, etc. Follow the instructions of your POS, it should also be intuitive and easy to use. Step 3: Track inventory. A good POS automatically updates the number of products in stock, each time a sale or purchase is made, you will immediately know the number of products available. Compare the physical inventory with the data registered in your System for even more control. You can also carry out promotions and sales strategies for less desirable, less sold or out-of-season products. Step 4: Generate reports and make strategic decisions. With your POS System, you will be able to generate inventory reports, know the best-selling products and those with the highest rotation, among other valuable information, which will allow you to improve your business’s performance. 📖 Basic POS Elements for a small business How do you save time with Universum’s POS System? With our devices you can easily manage your inventory in real-time, we offer you the best complementary tools, all integrated into your POS. Another product we recommend to save time and money is our PDA with which you can take inventory from anywhere in your warehouse and the information will be reflected throughout any of the system’s outputs with access. Features a PDA should have · Android or iOS operating system. · Touch screen. · Dust and splash resistant. · Intuitive and easy-to-use interface. · Sensor to scan codes. · Integration to your POS. Here’s an option. If you already have an Universum POS, here we show you how to do an inventory step-by-step from your POS screen: Enter the system with your administrator code. In the top menu, press the "Inventory" button. Scan the product code in the inventory search bar and press “Search”. Press the "New Article" button. Read and fill in the required fields in detail. Pro tip: If your product carries taxes or belongs to a government aid program. Click on Item Options to select the option that applies to your product. In the collections and discounts tab, you can specify if your article is on special sale or has a "Bottle Deposit". 6. Click on the “Save” button. Note: If your POS is in a different language than this guide, remember you can change it with this tutorial: 📖 In Universum, we speak your language Want more info? Learn more about this subject and/or our processing services benefits by contacting our sales agents at +1-978-416-9964 or visiting our web page: www.universumsolution.com Don’t forget to follow our social media: Facebook, Twitter and Instagram LinkedIn: Universum

We are committed to the planet. At Universum, we stand for circular economy from its key principle, sustainability, through strategies that minimize environmental impact. How do we accomplish this in our offices? • We promote environmentally conscious habits in our employees. • We’ve implemented the three R strategy (Reduce, Recycle and Reuse) encouraging the use of reusable utensils in our offices and kitchen. All our collaborators have reusable mugs and bottles for their drinks to achieve our zero plastics goal. • Minimizing the carbon footprint: Equipment is turned off when not in use and devices are connected only when necessary. • When devices require replacement, parts in optimal conditions are reused. Those that have reached their useful life go to entities that oversee their correct recycling. • We reduce the consumption of paper, digitizing the information of our processes, contracts and services. • Devices provided to our clients are energy efficient; when not in use, they are in sleep mode, saving energy. • Our printers are thermal and do not require one-use polluting cartridges. Do you have any other ideas that we could implement? Leave your thoughts on our social networks and be part of the change by also implementing these tips in your business. Facebook, Twitter and Instagram LinkedIn: Universum Remember you can be part of our referral program and earn $100 per each client that acquires our services by your recommendation. If you are interested in these features and more, or you have any doubts about the updates, get in touch with your sales agent or call us at +1-888-507-6614. Copyright (C) 2023 Universum. All rights reserved. 360 Merrimack St, Lawrence, MA 01841 +1-888-507-6614

High quality equipment and excellent customer service Universum is a company dedicated to the creation of software and hardware solutions designed to meet the needs of your company, offering a Point of Sale System (POS) that allows you to systematize and grow your business, improving the experience with your clients and strengthening your sales. Our line of products and services offer constant quality and value for your business. Why choose Universum? Our actions speak more than a million words, at Universum we have high-quality equipment at affordable prices that adapt to any type of business. Our software is intuitive, easy to use and configure so you can improve the productivity of your business, increase sales and customer satisfaction. In addition to this, it includes the integration to QuickBooks and WooCommerce, which means accounting and e-commerce tasks are simplified. To learn more about our integration with QuickBooks, check this blog 📖 How does QuickBooks Online help optimize your business? We are the best option to systematize your business! What we offer • High quality equipment. • Real time inventory management. • Sales reports. • Different payment options. • 24/7 customer service and unlimited support. • E-Commerce integration. Our system is ready to help your business from day one, our equipment catalog includes: • Cash register • Code reader • Printer • Keyboard kit • Mouse (Wireless) • Card processing terminal Our devices A10 device: Designed for businesses that are new in the market and need a high quality and affordable system. Its fast and reliable hardware has a touch screen and a resistant to splashes and dust robust build. 🚀 Know more here A15device: An all-in-one, high-performance, high-quality system. It has a touch screen and is made for the most demanding and stylish businesses. Our A15 is made entirely of aluminum, giving elegance and robustness to your business. 🚀 Kow more here T52device: It is a device that allows for customization according to your needs. It is recommended for supermarkets or large stores and is designed to handle heavy workloads. 🚀 Know more here Want to know more about our equipment and offers?. Check this out Our add-ons Price checker: A tool designed to let the customer know the price of products. It can be set on walls and/or columns. Easy installation. U-PDA: It is a wireless equipment that includes an integrated bar code reader, allowing quick inventory check, saving time and money. ScalMagellan 9400i: Device with barcodes and scale, designed for heavy workloads. Cash register: Box with padlock and key to keep money safe. Recommended to transport money or to be assigned to employees. Server: Designed to store data and information quickly and easily, forget about data loss with this device. For more info visit: https://www.universumsolution.com/addons Payment Terminals S90 mobile terminal: Wireless device used to make electronic payments, with debit and credit cards. It adapts to different types of businesses, restaurants and retail stores. ID TECH VP330: It is an innovative device that allows electronic transactions in commercial establishments through a mobile application. A920 device: It is an all-in-one device that allows you to carry out payment transactions and other commercial operations quickly and safely. More juicy details here👇 📖 These are the payment processing devices for a more efficient and secure business Learn more about this subject and/or our processing services benefits by contacting our sales agents at +1-978-416-9964 or visiting our web page: www.universumsolution.com Don’t forget to follow our social media: Facebook, Twitter and Instagram LinkedIn: Universum

All you need to know to start your business without previous knowledge. Many people have the need to grow financially and make the decision to create their own business to achieve their financial goals, however, they are unaware of the steps they must follow to create a company. The most important thing when taking the first step is to define the business idea, investigate and write a marketing plan, to begin the creation process. Running a successful business can be hard work that requires knowledge, dedication, and discipline. Here we offer some recommendations so you can knock it out of the park when you take the initiative to get started. Recommendations for a successful business Create a business plan: Establish the objectives and goals of your company. Create a plan that includes market or target audience analysis and work on a marketing plan. Study the budget and make a projection of income and expenses. Identify your market: It is important that you identify a market or target audience and investigate their needs and desires. Knowing your ideal customer will make creating products and services that meet their needs easier. Training and advice: Study the market and receive advice to learn more about the business. Constant training guarantees personal and professional growth. Physical facilities: Think of the facilities where you want your business to operate. A good location that fits your needs. Study the costs of rent, maintenance and security. Wherever your business is located can influence sales. Customer Service: Customer service is the key to success. Listen and give quick and effective solutions to your customers. A satisfied customer gives good references and recommends you. 📖Read why customer service is the key to success here Organized Finance: Hire trained personnel to help you with finances and understand your income and expenses. Remember this is also a requirement to comply with the tax and legal obligations of the country. Work environment: Create a positive environment where your employees feel good. Promote teamwork and pay attention to the needs of your collaborators. Innovative spirit: Stay informed about the technologies of your industry, to continuously improve your products and services. You must adapt to market changes and understand the needs of your customers. Marketing and advertising: Promote your business, make a content and marketing plan for social networks and other advertising mediums that help you promote yourself and attract customers. You can also create a website where you use valuable information from your company. The previously mentioned is not a list that should be followed “by the book”, but it is a guide that will facilitate the investigation process to create any type of business. Now, the most important part: The procedures to create a company may seem long and tedious, but prior research will allow you to make the right decision. Below, we indicate some of the requirements you must consider if you want to take the first steps as an entrepreneur in the United States. General requirements to create a company in the United States The requirements to create a company in the United States may vary depending on the type of company and the state in which it is incorporated. One recommendation is to consult with a specialist to comply with all the necessary procedures. Here we will give you quality information to start your investigation. Business Structure: You must decide the business structure, you can choose a corporation, a limited company, a sole proprietorship or a limited partnership, among others. Register your Company: An application must be submitted at the Secretary of State and pay a registration fee, which will be set according to the laws established in the state where the company should operate. Protect the name of your company: In the United States there are four (4) ways to register a business name and each serves a different purpose. It is important to note that some documents may be required, depending on the business structure and the state where the business is located. Tax ID number: The company must obtain a tax identification number (EIN), through the Internal Revenue Service (IRS). Licenses and Permits: Depending on the type of business, additional permits must be processed to start operations. These authorizations will also depend on the type of business and the state where it will operate. Business Bank account: Where the company will receive payments, make transactions and be able to have control of its finances. Employees: The business must be registered at the Department of Labor and comply with state labor laws. Assurance: Protect your company and assets from accidents or eventualities. 📖Know more here When deciding to create a company in the United States, you must evaluate what would be the best option to incorporate. These are some of the most common: Types of Companies in the United States In the United States, taking into account the created commercial structures is important, because they affect the value of the taxes to be paid, the necessary documentation, the responsibilities, among other factors. Here we mention the most common types of companies in the country. Sole proprietorship: The owner is legally responsible for all decisions and operations of the company. Societies: Simple structures for two or more people to lead a business together. There are two common types of partnerships: limited partnerships (LPs) and limited liability partnerships (LLPs). Limited Liability Company (LLC): A Limited Liability Company (LLC) is a type of legal business structure that combines the flexibility and tax advantages of a partnership with the liability protection of a corporation. The owners are called "members" and are not personally responsible for the debts or liabilities of the business. LLCs can be owned by one or more people and other companies or foreign entities. In the case of the company's legal action or bankruptcy, the company assumes responsibility, not its partners or shareholders. Examples: A Beauty Salon, a law firm, a dental clinic or a restaurant, ETC. Corporation: It is a business organization that can be public or private and is characterized by being a legal entity separate and independent from its owners, with its own legal personality and limitation of liability for its shareholders. Corporation or Non-profit Corporation: (Non-profit, for charitable, religious, educational purposes, among others) 📖Read more about business types here If you have finally achieved all the previous steps, we recommend you continue working to improve as a business and be open to constant evolution. A company must be at the forefront of technology and use it for its growth. Universum, the best solution for your business If you have a supermarket, a barbershop, a pastry shop and/or any other retail business, Universum is the solution to optimize it. With our POS system and the benefits of our equipment and all-inclusive monthly plans, you will be able to take control of your business and increase sales. In addition to this, you can also offer your customers different forms of payment, such as cash, debit and credit cards, and EBT cards. Learn about this and other benefits of our processing services by contacting our sales agents at +1-978-416-9964 or visiting our web page: www.universumsolution.com Don’t forget to follow our social media: Facebook, Twitter and Instagram LinkedIn: Universum

A happy client is your best reference. Good customer service is essential for business success, a satisfied customer is a customer who buys again and becomes an influencer of your brand in front of potential customers. Companies must invest in offering quality customer service and constant improvement in processes and effective solutions to the needs of their consumers. What’s customer service? It is the process through which a company executes actions to satisfy the needs and expectations of its customers, loyalty programs are implemented, attention and solution of concerns as well as claims and product returns are guaranteed in a simple, fast and effective way. Characteristics of a Good customer service Establishing good customer service is a factor that enhances your company makes it stand out. Here we mention five (5) ways in which you can improve this subject. Client reception: The tone of voice is important, the way in which customers are welcomed and received must always be formal and respectful, both in person and through digital media. Assistance: Your customer service team must have extensive knowledge of the products or services that the company offers, in order to provide advice and recommendations to your customers in an appropriate manner. Needs and trouble shooting: Listen to your customers so you can identify their needs. Ask questions and/or surveys to study them and their environment. Address their problems quickly and efficiently. Follow-up: Make sure that your client has been satisfied with the solution to their issues. Establish a communication strategy where you can interact with your customers and summarize their reactions. Some ways you can follow up with your customers are: •Schedule phone calls. •Carry out check-up and follow-up visits. •Include polls and questions on your social media. •Share news or tips of common interest to get feedback on what your customers think. Loyalty: Create an emotional and positive bond with your client! Loyalty is getting them to trust your brand or company and become promoters of it. Creating great experiences increases your sales and generates spontaneous referral marketing. A loyalty program allows you to: • Strengthen the relationship between the brand and customers. • Generate commitment to the brand. • Create value of products and services. • Create purposeful and personalized promotions and discounts. Communication channels for a good customer service Every company must have communication channels through which its customers can access to personalized attention. There should be effective communication in person, telephone or through digital media, to provide clear and precise information about products and/or services. The key is to have availability through different channels and have the service provided with quality and proactiveness. Telephone: Telephone lines must always be enabled for they allow direct and personalized communication with the client. The customer service team must handle a respectful and formal communication protocol. E-mail: Through this resource the client can communicate effectively and clearly, describing their problems in more depth and add photos or documents that show what’s required. Online chat: through this channel, customers can communicate with customer service personnel in real time. It provides direct and instant communication. Instant Messaging: Instant messaging applications such as WhatsApp, Telegram, among others, have become a very popular channel for customer service, since they provide ground for a more direct and personalized communication. Social Media: They enable two-way communication with users and help to build an online community. Create content that promotes interaction with your audience and highlights customer satisfaction. This is very important, because it can influence the client’s loyalty towards your brand. The way they perceive their experience with your product, service or process will be a determining factor in their recommendation. How to improve customer satisfaction? Offering quality products Reducing waiting time. Offering efficient assistance. Recommendations for supermarkets and retail stores One way to have excellent customer service in supermarkets and retail stores is by using a Point of Sale system that makes it easier for the employees to serve the clients effectively and quickly. In addition to this, having technological tools in your business, such as price checkers that allow them to verify what they are buying and save time and queues. Another recommendation is to have different forms of payment so as not to lose sales: Accept credit, debit or EBT cards. If you want to know more about card processing check this blog. Meeting the expectations of your customers and having a good product helps you generate sales, but it is important to walk the extra mile and t start creating a bond that keeps customers loyal. Learn about this and other benefits of our processing services by contacting our sales agents at +1-978-416-9964 or visiting our web page: www.universumsolution.com Don’t forget to follow our social media: Facebook, Twitter and Instagram LinkedIn: Universum

Universum rewards your fidelity As an Universum customer you can enjoy the Benefits of the Referral Plan, which consists of earning $100 USD for each customer you refer, that acquires one of our POS solutions or activates a processing service. The more clients you refer, the more money you’ll earn. In adition to earning $100 per client, you will get a free subscription of our uCare+ services, as long as your referred clients stay subscribed. Even more benefits with these payment processing equipment Your business needs versatile hig-end equipment that allows you to optimize and carry out safe transactions instantly. Here we tell you what’s new at Universum: S90 It’s a mobile payment terminal that accepts payments with debit and credit cards, plus contactless payments. This is an ideal payment processing equipment for restaurants and retail stores. TECH VP3300 It’s a payment card reader, which allows electronic transactions in commercial establishments through a mobile application. Ideal for businesses that provide any type of delivery and shipping services. A920 The A920 payment terminal is a mobile payment and point-of-sale (POS) solution, designed to receive credit and debit card payments, mobile and other contactless payments. It’s built with a high-resolution color touch screen, an integrated camera and a barcode reader. It is the perfect equipment for businesses like stores and food trucks. If you are interested in these features and more, or you have any doubts about the updates, get in touch with your sales agent or call us at +1-888-507-6614. Copyright (C) 2023 Universum. All rights reserved. 360 Merrimack St, Lawrence, MA 01841 +1-888-507-6614

Are your clients asking for all kinds of payment methods? Automating payment systems will guarantee a secure customer experience and save your company time and money. Technology is a great ally, along with payment processing equipment (electronic payment terminals and online payment systems) that offer security benefits and ease of use for financial transactions. Do you want a safe and efficient business when receiving financial transactions? The answer lies in obtaining payment processing equipment that is tailored to your needs and allows your customer to make purchases effectively while ensuring that you, as the seller, receive payments instantly, providing security, functionality and easy interaction. The purpose of payment processing 1. Facilitating financial transactions: The business can offer a better customer payment experience, where the buyer pays for their selected products through a secure transaction and the seller receives his payment instantly. 2. Optimizing payment processes: Technology allows you to reduce the time and additional costs of financial transactions. In addition to facilitating integration with accounting systems, it automates and simplifies payment processes. 3. Transaction security: Customer financial information is protected by data encryption, which ensures safety. 4. Different payment options: Payment options may include credit and debit cards, bank transfers, mobile payments, online payments, and other payment methods. There are different payment processing devices on the market, which will be different according to the type of business and is through their advanced technology that security and protection are provided to both customers and the business’s financial information. These devices are quick to install and transaction fees are low. At Universum, we provide a solution to your needs with high-quality and versatile devices so you can optimize your business and carry out secure financial transactions instantly. Payment Processing Devices S90 Mobile Terminal S90: It is a wireless device used to make electronic payments, with debit and credit cards. Also, it incorporates technology for mobile and contactless payments. This is a very popular tool among merchants since it offers easy, fast and secure transactions. This device is a reliable payment terminal that can be used in different types of businesses, restaurants, retail stores and any company that may require a mobile payment processing solution. Reasons to choose the S90 Portability: The S90 is a mobile device that works anywhere. It is ideal for businesses that operate in different locations and require a portable payment terminal. Wireless connectivity: It connects to wireless networks, allowing better flexibility and mobility in real-time payment processing. Different payment methods: You can receive payments with magnetic stripe credit and debit cards, EMV chip cards and contactless payments as well. In addition, It also applies technologies such as Apple Pay or Google Wallet. Security: One of its best qualities is being very secure by protecting customers' financial information with card authentication and encryption. Color touch screen: Its intuitive, touch and color screen improves the user experience. Durability: This equipment is designed for constant use and its durability is guaranteed. The battery can work up to 10 hours of prolonged use. Thermal printer: The S90 has a built-in printer that enables for receipt printing immediately, right after the transaction is completed. It is built on high-quality tech, the texts are legible, easy to load and allows wireless connection to the payment terminal. S90 Mobile Terminal specs • High speed ARM11 processor. • Contactless, Chip, Magnetic Stripe. • 2.4-inch color touchscreen. • High-capacity battery and memory. • Excellent network connection and communication technology: GPRS (General Packet Radio Service) CDMA (Code Division Multiple Access) Wi-Fi and 3G • USB connectivity. • Barcode scanner. • Integrated high-speed thermal printer. ID TECH VP3300 It is an innovative, powerful and sophisticated equipment that is used as a payment card reader, this allows electronic transactions in commercial establishments through a mobile application. Device Characteristics ID TECH VP3300 Connectivity: The ID TECH VP3300 can be connected to different devices, computers and tablets through USB or Bluetooth connection. Different payment methods: It can process magnetic stripe cards, EMV chip cards, and contactless payments such as Apple Pay and Google Wallet. Security: It packs encryption and authentication technology that protects the customer's financial information while transactions are being made. Perfect size: Its ergonomic design is very user-friendly. Durability: This equipment is designed to withstand continuous use and to last for several years without requiring frequent maintenance. ID TECH VP3300 Specs • Connectivity: USB, Bluetooth 4.2, BLE • Magnetic card reading (ISO, JIS), smart cards (EMV), contactless cards (ISO 14443 A/B, Mifare, Felica) • Reading speed: 3-4 seconds per transaction. • Battery: Durability of 12 hours of continuous use • Storage capacity: 512 MB of Flash memory and 64 MB of RAM • Dimensions: 93.6mm x 84.1mm x 26.9mm • Weight: 151.4 grams • Certifications: EMV Level 1 and 2, PCI PTS 5.x, Visa Ready, Mastercard M-TIP, American Express Expresspay, Discover D-PAS • Compatible with different operating systems (Windows, Linux, Android and iOS). A920 A920: This device has an innovative, elegant and revolutionary design that provides security in all payment experiences, making it a powerful payment terminal that includes a point-of-sale solution. It has a built-in camera, a high-speed thermal printer, and a high-capacity battery. It is the perfect equipment to satisfy the demands of businesses such as stores and food trucks. A920 Device Characteristics Android OS: The A920 works with the Android operating system. The device can be customized and use different applications. Compact and elegant design: The A920 has a portable design that makes it easy to transport. Connectivity: It is compatible with WI-FI, 3G and 4G, allowing for online connectivity to process payments in real-time. Card reader: This equipment has an EMV, MSR and NFC card reader to receive different payment methods as well as chip cards, magnetic stripe cards and contactless payments. Camera: The device allows you to scan barcodes, QR and video calls. It integrates a 5-megapixel rear camera and a 2-megapixel front camera. Touch Screen: It offers a better user experience due to its 5-inch high-resolution touch screen. Durability: It possesses a long-lasting 5250 mAh battery that allows it to operate for hours. A920 Specs • Android 7.1 • Cortex A7 processor • 5-inch capacitive touchscreen • 4G + Wi-Fi + GPS • Battery with a capacity of 5250 mAh • High-speed thermal printer. • Front and rear cameras • NFC contactless • PIN on the glass • PCI PTS 5.x SRED • ATEX certificate How about you, are you ready to take your business to another level? Call us to acquire the payment processing equipment for your business or if you wish to receive advice to carry out card transactions. Remember that Universum offers quick installation products, without contracts or fine print. Learn about this and other benefits of our processing services by contacting our sales agents at +1-978-416-9964 or visiting our web page: www.universumsolution.com Don’t forget to follow our social media: Facebook, Twitter and Instagram LinkedIn: Universum

Accepting EBT cards as a payment method can be very beneficial to your business. More than forty-two million people receive economic assistance from this government program, in the United States. This means they are a potential group you can target by marketing basic and essential goods. Any retail store that doesn’t accept EBT cards just yet, must know that this is the best moment to start their application. Around 254,350 companies are authorized and actively participate in the SNAP program. Reimbursements are significantly up to 125,000 million dollars/year. ¿What’s an EBT card? An EBT (Electronic Benefits Transfer), is a Supplemental Nutrition Assistance Program (SNAP) financial help, organized by the Federal Government of the United States. It works as a debit card and it’s used by families that report low income to buy food and basic needs products, in different authorized groceries and stores. Also, should be highlighted that besides enhancing your customer’s experience, your business will generate more clients and more profits. How can my business apply to receive EBT cards as a payment method? If you desire to implement the use of EBT cards as a payment method in your business, you can start the process through the “U.S. Department of Agriculture", or the USDA, website. In the Nutrition Services division, you will be able to register for free and obtain an electronic authentication account. Just likewise, you can apply to this process by phone at 877-823-4369. After sending the required documentation, the decision is notified in approximately 45 days. SNAP stores must meet these criteria: 1) To have a basic food inventory, and specific quantities of perishables and non-perishables. 2)To have more than 50% of total gross retail sales from the sale of staple foods such as vegetables, fruits, dairy products, meat, poultry, fish, bread and cereals. Benefits of accepting EBT payments Increase and improve sales: By accepting payments with EBT cards, your cash flow will improve and your business will be reaching a broader group of consumers. Client’s loyalty: The client will find your business, in a way that otherwise they would not. This expands the customer database and gives brand visibility to your company. Social Compromise: Your business provides the client with a trustworthy image, by demonstrating its commitment to the community and those with fewer resources. Law enforcement: In some states, the government requires small businesses to accept EBT cards as part of their business license. By accepting EBT cards, the business complies with these regulations and avoids fines or penalties. If you want more info on the subject, visit: https://dtaconnect.eohhs.mass.gov/ Snap program in Massachusetts More than one million Massachusetts residents benefit from the Department of Transitional Assistance (DTA) SNAP Program. Massachusetts laws Every household member that is a SNAP recipient, has the right to be an EBT card holder. Businesses or supermarkets must accept the EBT card even when another household member uses it. The PIN is what protects their benefits and is their electronic signature. As long as the correct PIN is inserted, the customer can use it. Those who are benefited from SNAP cannot be treated differently from other customers and the business cannot designate separate payment lines for them. The average benefit for food in a household is $215/month, for two (2) people in Massachusetts. In addition to making purchases in stores, EBT card holders in Massachusetts can buy online. Next up, we will present the list of companies where you can use these cards to buy food. Online purchases with EBT cards Amazon, BJs, Daily Table, Geissler's Supermarket, Shaw's, Star Market, Stop & Shop y Walmart, así como ALDI, Big Y, Brothers Marketplace, Hannaford , McKinnon'sSupermarkets, Price Chopper, Price Rite Marketplace, Roche Bros., Stop & Shop, Sudbury Farms y Wegmans a través de Instacart. Universum’s POS solution benefits If your business is in the New England area and is authorized to receive EBT cards, at Universum we offer you an extra and up-to-date solution with our POS system. Among many features, you’ll have flexible payment options, stock info in real-time and even EBT client’s specific stock. You read that right, our POS system has the advantage of specifying which items in stock are SNAP authorized and may be purchased by customers. Don’t miss the opportunity to generate more sales, more than 40 million people are using EBT cards, these are potential customers that will help you strengthen your business strategies! Learn about this and other benefits of our processing services by contacting our sales agents at +1-978-416-9964 or visiting our web page: www.universumsolution.com Don’t forget to follow our social media: Facebook, Twitter and Instagram LinkedIn: Universum