A multi-channel payment experience allowing retailers to stay on-top

For retailers, today’s multichannel world can be a challenge. Firstly, you have to deal with multiple credit and debit card brands and cash payments, as well as new technologies such as QR code ePayments and mobile wallets. You have to master and engage with the multi-faceted ecosystem of merchant services and payment processors. Your Point-of-Sale (POS) devices must cater for multiple payment methods, which requires an investment in technology to enable those payments.

Retailers face big challenges, including multiplicity of payment methods, integration of POS and backend technologies, offering service in rural and distributed locations with poor connectivity, seamlessly merging digital and in-store payment experiences. To mention some. All bundled together with the need to provide a best-in-class customer experience. Our Convego® Pearl loyalty solution can enable retailers to meet these challenges and deliver a full-featured, multi-channel in-store payment system at scale. It puts your brand in front of the customer and creates stickiness, and the same time allowing you to evolve new revenue streams!

Benefits of Convego® Pearl

  • Pearl offers physical/virtual card issuing & life-cycle management, payment processing and a robust loyalty engine, geared around social sharing for maximum growth
  • Pearl’s robust architecture is capable of deployment from tens of thousands to hundreds of millions of subscribers or cards
  • Pearl is in use in thousands of retail outlets handling millions of complex payment and loyalty transactions
  • Pearl can easily integrate with 3rd party systems such as ERPs, CRMs, or Payment Gateways, as well as being adaptable to specific retailer requirements
  • Pearl can generate float and improve consumer retention
  • Pearl is an ideal complement to mobile services and applications, enabling Over the Air (OTA) issuance of virtual cards and lifecycle management, as well as contactless payment, mobile top-up and OTA loading
  • Pearl helps to minimize interchange fees and cash handling expenses, reducing costs throughout the customer journey.

Convego® Pearl in a nutshell

Convego® Pearl is a payment and loyalty program management solution designed to enable retailers to own and control the transaction and the customer relationship. An all-in-one solution, Convego® Pearl connects multiple payment devices in-store with multiple payment methods and offers a robust management module for loyalty programs, for a seamless and full-featured customer payment experience.

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Turbo-charging loyalty and payments in retail

Today’s consumer has never had so many choices to pay: Credit and debit cards exist alongside loyalty cards for different brands, cash and pre-paid gift and payment cards for specific retailers. But we know how to enable success for customers within retail, quick service restaurants and petrol stations, generating loyalty.

Convego® Pearl for mobile

This closed-loop payment system with a mobile-first approach decreases cost for internal implementation and external roll-outs, and it increases customer stickiness as it is a convenient way to reach your broader customer base. Since the solution is based on QR codes, in a non-NFC environment, you avoid POS abandonment as solution works on any mobile phone with a camera and a screen.

Convego® Pearl is the choice of one of the world’s largest oil companies and the leading gas station network provider in China. As such, the Convego® Pearl solution is currently powering PetroChina’s 20,000 gas stations and a total of more than 3.5 million transactions per day, with a deposit capital of 30 billion RMB.

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The challenge of a multi-channel payment experience

With QR code enabled contactless payment for mobile, the consumers can conveniently but foremost securely pay contactless – and at the same time enjoy loyalty features and avoid overspending.

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Expert opinion about QR-code payments

Juniper Research Lead Analyst Nick Maynard and Jukka Yliuntinen, Head of Digital Solutions at G+D in talk about contactless payments solutions and its future.

Related solutions

Digital payment solutions

In our connected world, it’s already a reality: Our Convego® CloudPay Suite offers solutions for digital wallets, e-commerce payments, wearable enablement, and tokenization lifecycle management. Brands use it to refine their products and provide their customers with a choice of payment options.

Authentication solutions

We provide device-agnostic-compliant multi-factor authentication solutions for increased conversions, customer activation, and payments on the fly. For everyday use, for your customers’ convenience.

More insights into our loyalty solutions

Why retailers need a payment and loyalty program

Physical retailers can stand out from the competition and improve the customer experience and their financial performance with a payment and loyalty program.

Digital payment security solutions win two Juniper Innovation Research Awards

The leading digital technology analysts "Juniper Research" have honored two G+D solutions with the Future Digital Award for Payment Innovation.

Mastercard approves G+D as Digital Activity Customer

G+D has been granted approval by Mastercard as a Digital Activity Customer. According to G+D’s legacy in innovating and securing payment ecosystems, this cooperation with Mastercard is another successful part of the long-term strategy in creating confidence and establishing strong partnerships.


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