[{"_id":"project-settings","settings":{"translateMetaTags":true,"translateAriaLabels":true,"translateTitle":true,"showWidget":true,"isFeedbackEnabled":false,"fv":1,"customWidget":{"theme":"dark","font":"rgb(255, 255, 255)","header":"rgb(0, 0, 0)","background":"rgba(0, 0, 0,0.8)","position":"right","positionVertical":"bottom","border":"","borderRequired":false,"widgetCompact":true,"isWidgetPositionRelative":false},"widgetLanguages":[{"code":"es-LA","name":"Español (América Latina)"},{"code":"fr-CA","name":"Français (Canada)"}],"activeLanguages":{"fr-CA":"Français (Canada)","es-LA":"Español (América Latina)","de":"Deutsch","en":"English"},"enabledLanguages":["de","en","es-LA","fr-CA"],"debugInfo":false,"displayBranding":true,"displayBrandingName":true,"localizeImages":false,"localizeUrls":false,"localizeImagesLimit":false,"localizeUrlsLimit":true,"localizeAudio":false,"localizeAudioLimit":false,"localizeDates":false,"disabledPages":[],"regexPhrases":[],"allowComplexCssSelectors":false,"blockedClasses":false,"blockedIds":false,"phraseDetection":true,"customDomainSettings":[],"seoSetting":[],"translateSource":false,"overage":false,"detectPhraseFromAllLanguage":false,"googleAnalytics":false,"mixpanel":false,"heap":false,"sdkAnalytics":true,"disableDateLocalization":false,"ignoreCurrencyInTranslation":false,"blockedComplexSelectors":[]},"version":5256},{"_id":"en","source":"en","pluralFn":"return n != 1 ? 1 : 0;","pluralForm":2,"dictionary":{},"version":5256},{"_id":"outdated","outdated":{"#At its core, event-based architecture (also called event-driven architecture, or EDA) is a way of designing systems so that instead of one part of the…":1,"#Explore the Intelligent Commerce OS":1,"#Ready to connect the pieces? Explore the Intelligent Commerce Operating System to see how iQmetrix helps bring channels, payments, data, and teams into one connected operation.":1,"#That is the difference between a retail platform that keeps up and one that eventually gets left behind.":1,"#Event-based architecture isn’t just a backend design choice. It’s what allows telecom retail platforms to evolve as fast as the market around them. New capabilities, AI agents, partners, and channels can tap into events already flowing through the platform, instead of forcing teams to rebuild the foundation every time expectations change.":1,"#A Platform That Evolves with the Market":1,"#Because the iQ Platform is event-driven and AI-native by design, every event becomes a potential input for insight: captured, modeled into KPIs, and used to power forecasts, alerts, and recommended next actions. That’s the difference between a system that reports what happened and one that helps a team see what’s likely to happen next.":1,"#Intelligent automation, whether an AI agent, a forecast, or an alert, is only as good as the data feeding it. A system that only knows the current state can react, but it can’t reason about patterns or anticipate what’s likely to happen next.":1,"#<span ljsid-0=\"\">3</span>. AI-Ready Workflows That Get Smarter Over Time":1,"#In an event-driven model, an inventory movement fires as an event the moment it happens, and every channel subscribed to that data receives it right away.":1,"#Picture a customer buying the last unit of a phone in-store while another customer looks at the same phone online. In a system that only checks inventory periodically, there’s a real window where both purchases go through before anyone catches the conflict.":1,"#<span ljsid-0=\"\">2</span>. Real-Time Inventory Across Channels":1,"#It also means a journey can start on one channel and pick back up on another, a customer starting online and finishing in-store, for example, without losing the thread of what’s already happened. Order tracking becomes a full, traceable story instead of a status check.":1,"#With event-based architecture, because every step is captured as its own event, teams can see the complete path an order took, not just where it ended up. That includes support for how telecom retail actually sells: pre-orders, deposits, direct fulfillment, and split or deferred pickup.":1,"#A sale isn’t really a single moment. It’s a sequence: an order is created, moves through fulfillment, maybe gets partially fulfilled or picked up later, and eventually completes. In a system that only records the final state, most of that story disappears the moment it’s overwritten.":1,"#<span ljsid-0=\"\">1</span>. Order Lifecycle Visibility, From Creation to Completion":1,"#Three Use Cases: Where Event-Based Architecture Actually Shows Up":1,"#This is what makes the iQ Platform genuinely real-time, not just real-time in appearance. Built on that foundation, the Intelligent Commerce Retail Experience keeps inventory, orders, payments, and customer activity flowing across iQ Storefront, iQ Hub, and iQ Pay without each system constantly checking in on the others.":1,"#<strong ljsid-0=\"\">A full trace of what happened is always there to see.</strong> In a traditional system, when a record updates, the old version is usually gone. Event-based systems work differently. Every action is captured as its own event, so the platform isn’t just storing the current state, it’s preserving the complete, replay-able history of everything that happened. That history is what lets a team trace exactly what happened to an order, a device, or a payment, not just its current status.":1,"#That shift matters because it changes what telecom retailers can see, sync, and scale.":1,"#At its core, event-based architecture (also called event-driven architecture, or EDA) is a way of designing systems so that instead of one part of the software directly asking another part to do something and waiting for a reply, systems communicate by broadcasting that something happened. <strong ljsid-1=\"\">That broadcast is called an event.</strong>":1,"#What Event-Based Architecture Actually Means":1,"#Modern retail moves in real time: inventory changes the second a sale happens, and a customer expects the same accurate information whether they’re on a website, in an app, or standing in a store. That kind of responsiveness isn’t possible with request- driven systems alone. It requires a different architectural foundation, one built around events.":1,"#5 Trends and Challenges Disrupting the Telecom Industry":1,"#The telecom industry has seen rapid and huge changes over the past year—here are the biggest factors disrupting the space and causing retailers to pivot.":1,"#iQmetrix | 5 Trends and Challenges Disrupting the Telecom Industry":1,"#Read the State of the Telecom Retail Industry Whitepaper":1,"#Want to read more about the state of the telecom retail industry? Our whitepaper gives you a deeper dive into the trends disrupting the market today, and where the sector is headed.":1,"#<span ljsid-0=\"\">“</span>By bringing a whole new set of products to market that telecom retailers are not traditionally comfortable with, and don’t yet understand what they will mean or bring to consumers. <span ljsid-2=\"\">3</span>G and <span ljsid-4=\"\">4</span>G didn’t radically change the technology, the hardware, or rate plans, but that bubble that retailers have been working in will burst. <span ljsid-6=\"\">5</span>G will change products, rate plans, and services, as well as store operations in general. This will create both threats and opportunities.”":1,"#The rollout of <span ljsid-1=\"\">5</span>G will also disrupt traditional stores and the products they’re selling, added Hamer.":1,"#<span ljsid-0=\"\">“</span>Service and education will always be needed,” said Yaskowich. <span ljsid-2=\"\"></span><span ljsid-4=\"\">“</span>As these products and services get more and more complex, consumers will come to the stores for help. But the reason they are in-store for an hour shouldn’t be because they’re waiting around to be served and because the retailer’s system and processes are slow and cumbersome.”":1,"#And yet, for all that change, the reality is that most consumers still go into the store to complete the last mile of their purchase. Even with store closures and the pandemic, brick-and-mortar stores accounted for <span ljsid-1=\"\">63</span>% of sales between January and June <span ljsid-3=\"\">2020</span>, according to a <a ljsid-5=\"\">study by J.D. Power</a>.":1,"#The physical store model is changing. Black Friday as we knew it — crowds of shoppers waiting outside stores at dawn and fighting to grab the best deals — was proven all but dead in November <span ljsid-1=\"\">2020</span>, as shoppers moved online and stores largely remained quiet. To compete with initiatives such as Amazon’s Prime Day, as well as provide a safe shopping experience when encouraging shoppers to pack stores is not advisable, many retailers spread their deals and promotions over the course of several weeks. While online sales over the <span ljsid-3=\"\">2020</span> Thanksgiving weekend broke new records, in-store purchases decreased.":1,"#<span ljsid-0=\"\">5</span>. Physical stores and evolving products":1,"#Hamer said, <span ljsid-1=\"\"></span><span ljsid-3=\"\">“</span>The pandemic obviously caught everyone off guard, and traditionally telecom retailers haven’t had to pivot very quickly to new things. That luxury got ripped away and they pivoted rapidly in all areas of their business. There were massive changes to how they engaged staff in new selling processes, making sure staff felt safe, and then how they served customers. What was really cool was how quickly telecom retailers innovated in the early days before the technology caught up, with low-tech creative solutions enabling curbside pickup, social distancing in-store, rearranging store layouts, payment device workarounds, and so on.”":1,"#Naturally, e-commerce exploded in <span ljsid-1=\"\">2020</span><span ljsid-2=\"\"></span><span ljsid-4=\"\">’</span>s first quarter as consumers stayed home and ordered everything online. The sector saw a classic hockey-stick effect in terms of penetration in the US, with <span ljsid-6=\"\">10</span> years of growth occurring over the course of three months. Verizon, for example, saw a <span ljsid-8=\"\">20</span>% increase in web traffic in one week due to the pandemic.":1,"#The main effect this pandemic had on telecom retail is an accelerated change in technology. Technology that may have been previously considered optional or a <span ljsid-1=\"\"></span><span ljsid-3=\"\">“</span>nice to have” — such as buy online pick up in-store, curbside pickup, or contactless payments — are suddenly table stakes. Features that were already important, like home delivery and omnichannel fulfillment, became critical and will remain so.":1,"#Of course, it’s impossible to discuss retail in <span ljsid-1=\"\">2020</span> without mentioning the effects of the coronavirus pandemic. Luckily, telecom retail was deemed an essential service and for the most part, was able to operate in its natural state. In many aspects, the telecom industry led the way. Forbes <a ljsid-3=\"\">published a video</a> ranking the top companies that responded well to the pandemic, and three of the top five were carriers.":1,"#<span ljsid-0=\"\">4</span>. Global pandemic":1,"#Stacy Hamer, Vice President of Client Experiences at iQmetrix, said, <span ljsid-1=\"\"></span><span ljsid-3=\"\">“</span>These are online-only providers without a storefront. This means they’re cutting out all these other costs and are highly competitive on their prices. You would never have thought five years ago you’d buy so many clothes online, but now everybody does. Now phones are going the same way. These providers ship the phone to you in a single day and activation is way less complicated. Plus they run on the big carriers’ networks, so they typically have really good coverage.”":1,"#If all that was not enough competition, in addition to established brands or retailers entering the market, there is also the emergence of completely new companies such as Mint Mobile and Dish’s new brand, Ting.":1,"#Further to this, original equipment manufacturers (OEMs), such as Samsung, are also getting in on the action by making a play for the wireless revenue, creating even more competition in the telecom retail space. Yaskowich added, <span ljsid-1=\"\"></span><span ljsid-3=\"\">“</span>Obviously they’re selling only their own products, but they’re trying to get into the wireless space, and they’re even more focused on the brand experience — the <span ljsid-5=\"\"></span><span ljsid-7=\"\">‘</span>wow’ experience for their customers. If you can go to an OEM store and get excited about their product — Apple did this better than anyone — you go for an educational experience, and that’s worth visiting a store for. It might be more about showrooming, but it works in this sector.”":1,"#It’s not just wireline getting into the wireless game. There are also more and more big-box brands such as Staples and Costco introducing multi-carrier wireless stores-within-a-store. Yaskowich said, <span ljsid-1=\"\"></span><span ljsid-3=\"\">“</span>If a customer is already in Costco, where they have to go for groceries anyways, they can go in and get their phone and get it activated. Why wouldn’t a customer want to get everything they need from one provider? Existing carriers and authorized retailers need to serve customers where those customers want to be served in today’s market, not using the <span ljsid-5=\"\">1996</span> business model. It’s time to think differently.”":1,"#<span ljsid-0=\"\">3</span>. Big-box brands, OEMs, and online providers entering wireless":1,"#Marty Yaskowich, VP of Retail Customer Development at iQmetrix, said, <span ljsid-1=\"\"></span><span ljsid-3=\"\">“</span>In the past, consumers have always gone to one place for their cellphone and another for their TV and internet services. But with wireline and cable companies moving into the wireless space, all of that is offered by one company. What’s more, they’ll come into your home and not only hook up your TV and activate your cellphone, but also hook up your smart fridge and your new car that has an advanced communication system.”":1,"#The industry has also seen a major telecom market convergence. Traditional telecom lines separating wireless carriers — such as Verizon and AT&T — from wireline and cable operators — such as Dish, Comcast, and Charter — have continued to blur, to the point where they are no longer two separate markets. This convergence is set to create a major disruption to the retail model being used by existing wireless carriers and authorized retailers.":1,"#<span ljsid-0=\"\">2</span>. Telecom market convergence":1,"#In the authorized retailer space, there have also been some bold acquisitions, resulting in a handful of major players as the trend of market consolidation continues.":1,"#One of the later plays in <span ljsid-1=\"\">2020</span> was Verizon acquiring Tracfone and Bluegrass Cellular.":1,"#Canada saw the official launch of Shaw Mobile, following Shaw’s acquisition of Freedom Mobile in <span ljsid-1=\"\">2016</span>.":1,"#The T-Mobile and Sprint merger was finalized, consolidating two of the US market’s top-tier carriers. This resulted in the divesting of Boost doors and enabled wireline player, Dish, to become the fourth entrant in the US wireless space.":1,"#The first major set of changes in the telecom sector has been caused by industry mergers and acquisitions.":1,"#<span ljsid-0=\"\">1</span>. Mergers and acquisitions":1,"#Looking back on <span ljsid-1=\"\">2020</span>, there were some major trends and events that resulted in massive industry changes, disrupted the market, and are still creating significant threats to existing wireless businesses. Here’s a look, taken from our recent whitepaper <a ljsid-3=\"\">The State of the Telecom Retail Industry</a>, at the five biggest factors affecting the industry today.":1,"#by <span ljsid-1=\"\">Joannah Connolly</span> on Jan <span ljsid-3=\"\">28</span>, <span ljsid-5=\"\">2021</span> in <a ljsid-7=\"\"> Featured </a> <a ljsid-9=\"\"> Omnichannel Retail Trends </a> <a ljsid-11=\"\"> Wireless Trends </a>":1,"#<span ljsid-0=\"\">5</span> Trends and Challenges Disrupting the Telecom Industry":1,"#PCI DSS & SOC<span ljsid-1=\"\">2</span> Typ <span ljsid-3=\"\">2</span> Compliant":1,"#Learn More about Activations Platform":1,"#Ready to power seamless activations?":1,"#Activations Platform":1,"#Launch new products, services, and journeys up to <span ljsid-1=\"\">4</span>X faster with pre-built tools and templates.":1,"#Accelerate Time to Market":1,"#Deliver seamless, personalized interactions across every channel — building loyalty and boosting revenue growth.":1,"#Elevate Customer Experiences":1,"#Unify activations, integrations, and customer journeys into one platform — reducing IT overhead and silos.":1,"#Simplify Complexity":1,"#Deliver Experiences Customers Love":1,"#Empower IT and business users to build and test journeys fast.":1,"#Low-Code Journey Design":1,"#Support connected and emerging devices with flexible, data-driven account management.":1,"#Personalized Subscriber Management":1,"#Keep data flowing in real time for seamless handset transfers and journeys.":1,"#Data Synchronization & Transfer":1,"#Create consistent, multi-carrier, multi-channel experiences from one platform.":1,"#Omnichannel Journey Orchestration":1,"#Connect to major networks out of the box — fewer errors, faster activations.":1,"#Pre-Integrated Carrier Connectivity":1,"#Streamline order processing, transactions, handset transfers, and subscriber management across all devices.":1,"#End-to-End Activation Management":1,"#Telecom Activation Platform Features":1,"#X faster through resellers, unlocking new revenue streams":1,"#Launched bundled services":1,"#Launching a New Tier of Bundled Products":1,"#Hosting Services Company:":1,"#Freed reps from behind the counter. Tablet-powered journeys sped up purchases across <span ljsid-1=\"\">1</span>,<span ljsid-3=\"\">800</span> stores.":1,"#Faster Phone Purchases in Big-Box Retail":1,"#U.S. Mobile Operator:":1,"#Automated B<span ljsid-1=\"\">2</span>B orders once thought impossible. Now: <span ljsid-3=\"\">98</span>% automation, <span ljsid-5=\"\">2</span>.<span ljsid-7=\"\">3</span>M transactions annually, €<span ljsid-9=\"\">2</span>B revenue processed.":1,"#Transformed B<span ljsid-1=\"\">2</span>B Order Fulfillment":1,"#Carrier in Germany:":1,"#Tier":1,"#Bring every data point together. Give associates real-time insights to deliver smarter, more personal service.":1,"#Personalized, Data-Driven Engagement":1,"#Skip the IT headaches. With pre-built templates and integrations, you can launch, test, and optimize in weeks, not months.":1,"#Faster Time to Value":1,"#No more patchwork integrations or siloed systems. Customers can start, pause, and finish their journey anywhere — online or in-store.":1,"#Seamless Omnichannel Experiences":1,"#From end-to-end activations and subscriber management to omnichannel journey design, our platform reduces complexity, drives efficiency, and delivers consistency at every touchpoint.":1,"#Actv<span ljsid-1=\"\">8</span> Lab gives telecom leaders the tools to simplify activations, streamline operations, and deliver experiences customers love — online, in-store, or anywhere in between.":1,"#One Platform.":1,"#Connected Journeys.":1,"#Seamless Activations.":1,"#Telecom Activation and Customer Experience Platform":1,"#(b) Dropship & Endless Aisle Product Terms located at <a ljsid-1=\"\">https://www.iqmetrix.com/legal…</a>":1,"#Learn More about iQ Pay":1,"#iQ Pay is an all-in-one payments solution that enables an integrated payment processing experience. As a single vendor experience, all aspects of payment processing are consolidated, including support, hardware, and reporting; ultimately simplifying payments management, reducing costs, and preventing fraud.":1,"#von <span ljsid-1=\"\">Tanya MacPherson, Director of Growth & Demand Gen, iQmetrix</span> on Dec <span ljsid-3=\"\">17</span>, <span ljsid-5=\"\">2018</span>":1,"#iQmetrix | 4 Steps to Managing the Retail Grinch":1,"#4 Steps to Managing the Retail Grinch":1,"#When you've got a retail Grinch in your store, it can feel like the holidays are anything but holly and jolly. Here are a few tips when helping these…":1,"#Shutterstock / Stokkette":1,"#The best way to handle a difficult conversation is to finish it quickly while invoking those helpful tips above. The faster you can get a customer’s problem solved, the happier they will be. Making sure your staff understand how to handle these tough times — having the tools in-store to assist them — can make all the difference. Allow your staff to refund to a certain amount or authorize store credit by setting up security restrictions within RQ or use myRQ to provide manager overrides even if you’re not in-store. Don’t let the Grinch steal your time, energy, or patience this holiday season!":1,"#Some customers are going to be difficult no matter what. It has next to nothing to do with their interaction with you or even your company. They’re simply hard to please. So, don’t take these difficult situations to heart. Remember that helping customers is your job and having a positive attitude and helping the best you can is all you can do.":1,"#Don’t Take It Personally":1,"#Don’t rush through your interaction with a Terry. Ensure you’re keeping your voice calm and slow down your speech to show Terry that you’re taking the time necessary to understand her needs and provide a positive experience; there are other sales staff that can attend to other store shoppers. Listen carefully and ask closed questions for a simple <span ljsid-1=\"\"></span><span ljsid-3=\"\">‘</span>yes’ or <span ljsid-5=\"\"></span><span ljsid-7=\"\">‘</span>no’ answer from Terry to narrow down exactly what she wants. Keep calm and carry on.":1,"#Learning how to stay cool under pressure can help you get through challenging situations with grace. Talkative Terry doesn’t care that your store is filled with other customers who also need help and your time. She’s friendly and may be more interested in human interaction than a fast transaction, but it’s important for you to handle every customer professionally, no matter the circumstance.":1,"#Control Yourself":1,"#That way, you can offer the most appropriate solution. When listening it’s most important to be apologetic and understanding and to ensure your body language is saying the same things you are.":1,"#You’ll be better off giving him a few minutes to <span ljsid-1=\"\"></span><span ljsid-3=\"\">‘</span>vent’ and speak his mind while you get to understand his needs, feelings, and the very root of his issue.":1,"#Angry customers just want to be heard. Avoid an escalated situation with Allan by letting him talk out his frustrations without interruption. But don’t just stand there! Now is the time to practice active listening so Allan knows you’re present in the conversation and that you care about helping him find the perfect holiday item.":1,"#Show Empathy":1,"#So, whether you’re dealing with Ian who is worried about making the right decision, isn’t being clear with what he wants, and asking a lot of questions or if you’ve got an Allan on your hands who thinks he’s the priority of your day and raises his voice or gets angry to ensure he’s heard, practicing patience will allow you to accept or tolerate these hiccups without becoming too annoyed.":1,"#With most difficult customers, no matter their dilemma, patience is key. Being patient with customers will allow you to carry out the rest of these tips with ease.":1,"#Be Patient":1,"#Don’t let the negative energy in. Use these tips to help you navigate the holiday Grinch professionally, and spread some joy instead.":1,"#So, whether it’s <span ljsid-1=\"\"></span><span ljsid-3=\"\">‘</span>Angry Allan’, <span ljsid-5=\"\"></span><span ljsid-7=\"\">‘</span>Talkative Terry’, or <span ljsid-9=\"\"></span><span ljsid-11=\"\">‘</span>Indecisive Ian’, how well your staff are able to deal with these situations will set you apart from the rest.":1,"#Customers are in a mad dash to finish their last-minute holiday shopping and, with the countdown on, not everyone is guaranteed to be in a holly jolly spirit this season. Then transitioning into the post-holiday errands of returns and exchanges your sales reps are likely to encounter a variety of difficult customers over the next few months.":1,"#…Except for when they’re not, but that’s a moot point when it comes to your customer service. With the holidays upon us, and an influx of new and returning customers in your store, delivering an exceptional customer experience is as important as ever but may not be as easy as it sounds!":1,"#The customer is always right!<span ljsid-1=\"\">… </span>":1,"#<span ljsid-0=\"\">4</span> Steps to Managing the Retail Grinch":1,"#iQmetrix | Event-Based Architecture: The Backbone of Real-Time…":1,"#iQ Payments Terms of Service":1,"#iQmetrix | iQ Payments Terms of Service":1,"#If a Merchant Customer elects to enable the optional Buy Now, Pay Later service, the Merchant Customer’s use of that service shall be subject to the respective terms and conditions of the applicable designated third-party Buy Now, Pay Later provider(s) found in the <a ljsid-1=\"\">Notice of Buy Now, Pay Later Third-Party Terms</a>.":1,"#Optional Buy Now, Pay Later Functionality":1,"#iQmetrix will process personal data for the Data Analytics in accordance with the iQmetrix Privacy Policy (available at: <a ljsid-1=\"\">https://www.iqmetrix.com/legal/privacy-policy</a>).":1,"#Adyen and iQmetrix may use de-identified transaction-related data, which may also be aggregated data, for various purposes including but not limited to analysing, tracking, and comparing transaction and other data to develop and provide insights for Merchant and/or other customers as well as for developing, marketing, maintaining and/or improving Adyen’s or iQmetrix’s products and services.":1,"#Adyen and iQmetrix reserve the right to cancel Transactions that it has reasonable grounds to suspect to be fraudulent or involving other criminal activities, even if the Fraud Control Tool failed to block the Transaction.":1,"#The Fraud Control Tool does not guarantee the prevention of fraudulent Transactions, nor against resulting Chargebacks or fines. Regardless of the Fraud Control Tool’s indication, Transactions may be fraudulent or non-fraudulent.":1,"#All Transactions processed will be screened by Fraud Control Tools, which performs a number of checks on a Transaction, which indicate the likelihood of the Transaction being fraudulent.":1,"#Fraud Tool Use":1,"#iQmetrix shall not be responsible for delays, non-performance, damages, lost profits, or other losses caused directly or indirectly by any Act of God, including without limitation fires, earthquakes, tornadoes, hurricanes, wars, pandemic, labor disputes, communication failures, legal constraints, power outages, data transmission loss or failure, incorrect data transmission or any other event outside the direct control of iQmetrix.":1,"#Your failure to pay in full amounts that you owe us on demand will be a breach of this Agreement. You will be liable for our costs associated with collection in addition to the amount owed, including without limitation legal fees and expenses, collection agency fees, and interest at the lesser of one and one-half percent (<span ljsid-1=\"\">1</span>½%) per month or the highest rate permitted by law. At its discretion, iQmetrix may make appropriate reports to credit reporting agencies and law enforcement authorities and cooperate with them in any resulting investigation or prosecution. You hereby expressly agree that all communication in relation to delinquent accounts will be made by electronic mail, by phone, or any other means as provided by you to iQmetrix. Such communication may be made by iQmetrix or by anyone on its behalf, including, but not limited to, a third-party collection agent.":1,"#If you owe iQmetrix money, Adyen may deduct that money from your incoming payments or debit your bank account, to the extent permitted by law. Adyen may set off any obligation you owe us under this Agreement (including Chargebacks) against any credit in your Merchant Account or against any amounts due to you. All Fees are deducted first from the transferred or collected funds and thereafter from your Merchant Account. If you do not have sufficient funds, Adyen may collect from any funding source associated with your Merchant Account, or from any other Merchant Account under your control, or from any funding source associated with such other Merchant Account, including but not limited to any funds (a) deposited by you, (b) due to you under this Agreement, or (c) available in your bank account, or other payment instrument registered with Adyen.":1,"#Collection Rights":1,"#You agree to assist us when requested, at your expense, to investigate any of your transactions processed through the Service. To that end, you permit us to share information about a Chargeback with the Merchant Customer, the Merchant Customer’s financial institution, and your financial institution in order to investigate and/or mediate a Chargeback. We will request necessary information from you to contest the Chargeback. If the Chargeback is contested successfully, we will release the reserved funds to you. If a Chargeback dispute is not resolved in your favor by the Scheme Owners or issuing bank or you choose not to contest the Chargeback, we may recover the Chargeback amount and any associated fees as described in this Agreement. You acknowledge that your failure to assist us in a timely manner when investigating a transaction, including providing necessary documentation within seven (<span ljsid-1=\"\">7</span>) days of our request, may result in an irreversible Chargeback. We reserve the right, upon notice to you, to charge a fee for mediating and/or investigating Chargeback disputes.":1,"#If we determine that you are incurring an excessive amount of Chargebacks, iQmetrix or Adyen may establish controls or conditions governing your Merchant Account, including without limitation, by (a) assessing additional Fees; (b) creating a reserve in an amount reasonably determined by us to cover anticipated Chargebacks and related fees; (c) delaying payouts; and/or (d) terminating or suspending the Service or closing your Merchant Account.":1,"#Further, if we reasonably believe that a Chargeback is likely with respect to any transaction, we may request Adyen to withhold the amount of the potential Chargeback from payments otherwise due to you under this Agreement until such time that: (a) a Chargeback is assessed due to a Customer’s complaint, in which case we will request Adyen to retain and Refund the funds; (b) the period of time under Applicable Law or regulation by which the Customer may dispute that the transaction has expired; or (c) we determine that a Chargeback on the transaction will not occur.":1,"#A retrieval request occurs when the card issuer asks for a copy of the actual sales receipt or invoice of a transaction. This is the first step the issuer may take prior to the transaction being disputed and becoming a Chargeback. A fee may be assessed for each retrieval request. The amount of a payment may be charged back to you if (a) it is disputed by a Merchant Customer, (b) it is reversed for any reason, (c) it was not authorized or we have any reason to believe that the transaction was not authorized, or (d) it is unlawful, suspicious, or in violation of the terms of this Agreement. If a Chargeback occurs, you owe us and will immediately pay us the amount of any Chargeback and any associated fees, fines, or penalties assessed by Adyen, the Acquiring Banks, the Issuing Banks, processors, or the Scheme Owners. If you do not have sufficient funds in your Merchant Account, we will have the remedies set forth in <span ljsid-1=\"\"></span><span ljsid-3=\"\">“</span><strong ljsid-4=\"\">Collection Rights</strong>” section below. If you have pending Chargebacks, Adyen may delay payouts to you. You are responsible for all Chargebacks, whether or not the Chargeback complies with the Rules.":1,"#Retrieval & Chargeback Handling":1,"#You agree to process returns and provide refunds and adjustments for goods or services (the <span ljsid-1=\"\"></span><span ljsid-3=\"\">“</span><strong ljsid-4=\"\">Refunds</strong>”) through your Merchant Account in accordance with this Agreement and the Rules. The Rules require that you will (a) maintain a fair return, cancellation, or adjustment policy; (b) disclose your return or cancellation policy to Merchant Customers at the time of purchase, (c) not give cash Refunds to a Merchant Customer in connection with a payment card sale, unless required by law, and (d) not accept cash or any other item of value for preparing a payment card sale Refund. You will not submit a Refund relating to any transaction not originally submitted to us, nor will you submit a Refund that exceeds the amount of the original transaction. Your Refund policies must be the same for all payment methods. If your Merchant Customer is dissatisfied with your Refund policy, the Merchant Customer may dispute the payment.":1,"#Refunds and Returns":1,"#You are solely responsible for all customer service issues relating to your goods or services, including pricing, order fulfillment, order cancellation by you or the Merchant Customer, returns, Refunds and adjustments, rebates, functionality and warranty, technical support and feedback concerning experiences with your personnel, policies, or processes. In performing customer service, you will always present yourself as a separate entity from iQmetrix. You will cooperate with iQmetrix to ensure that Merchant Customers have access to clear customer service information, including an active customer service email address and telephone number.":1,"#Customer Service":1,"#You represent and warrant to us that: (a) you are eligible to register and use the Service and have the right, power, and ability to enter into and perform under this Agreement; (b) the name identified by you when you registered is your business name under which you sell goods and services; (c) any sales transaction submitted by you will represent a bona fide sale by you; (d) any sales transactions submitted by you will accurately describe the goods and/or services sold and delivered to a Merchant Customer; (e) you will fulfill all of your obligations to each Merchant Customer for which you submit a transaction and will resolve any consumer dispute or complaint directly with the Merchant Customer; (f) you and all transactions initiated by you will comply with all federal, state, and local laws, rules, and regulations applicable to your business, including any applicable tax laws and regulations; (g) except in the ordinary course of business, no transaction submitted by you through the Service will represent a sale to any principal, partner, proprietor, or owner of your entity; (h) you will not use the Service, directly or indirectly, for any fraudulent undertaking or in any manner so as to interfere with the use of the Service; (i) your use of the Service will be in compliance with this Agreement. For additional transaction criteria, refer to Schedule C.":1,"#Merchant Obligations":1,"#You are responsible for determining all taxes assessed, incurred, or required to be collected, paid, or withheld, in connection with your use of the Service. You are solely responsible for collecting, withholding, reporting, and correctly remitting any taxes to the appropriate tax authority. iQmetrix is not obligated to, and will not, determine whether taxes apply, or calculate, collect, report, or remit any taxes to any tax authority arising from your use of the Service.":1,"#iQmetrix or Adyen may have tax reporting responsibilities in connection with the Service. iQmetrix or Adyen will report as required by law, your name, address, Tax Identification Number (such as Employment Identification Number or Social Security Number), the total dollar amount of the payments you receive in a calendar year, and the total dollar amount of the payments you receive for each month in a calendar year.":1,"#Taxes":1,"#Merchant will receive a minimum of <span ljsid-1=\"\">90</span> days’ notice of any Fee increases or the introduction of a new fee related to any credit or debit card transactions. The notice to the Merchant will describe the nature of the Fee change and will provide a summary of the changes, facilitating the merchant to be able to determine the difference. A Fee change will be clearly highlighted on the merchant statement the month following a Fee change and, if requested by a Merchant following a Fee change, an updated Fee Disclosure Box will be provided to Merchants. Merchant will receive a minimum of <span ljsid-3=\"\">90</span> days’ notice of any reduction in applicable pass through fees.":1,"#You may not require any Cardholder to pay any part of any discount rate or other charge imposed upon Merchant by the Agreement, whether through imposition of a price increase not imposed on cash paying customers or through imposition of any charges not imposed on cash paying customers. However, nothing herein shall prevent Merchant from offering (i) discounts to customers for cash purchases or (ii) differential discounts to customers among different card associations. The availability of such discounts are required to be clearly marked at the point of sale.":1,"#iQmetrix charges fees to you for using the Service. Adyen withholds some of these fees from payments received by you. These fees are netted by Adyen against other funds due to you or debited by Adyen from your bank account. Other fees will be invoiced at the end of each month; fees are non-refundable; fees are due upon receipt of invoice by Merchant. You agree to pay iQmetrix the fees that are listed in the Fee Disclosure Box. Subject to the terms of this Agreement, we reserve the right to change our Fees at any time. By continuing to use the Service, you consent to the change in Fees. To withdraw your consent, you must close your Merchant Account. iQmetrix may increase the fees or introduce a new fee, upon providing <span ljsid-1=\"\">90</span> days prior notice to Merchant. Merchant may terminate this Agreement without any early termination fee or other penalty within ninety (<span ljsid-3=\"\">90</span>) days of receiving such notice.":1,"#Fees":1,"#You grant us a security interest in and lien on any and all funds held in any Reserve, and also authorize us to make any withdrawals or debits from the Reserve, without prior notice to you, to collect amounts that you owe us under this Agreement, including without limitation for any reversals of deposits or transfers made to your Merchant Account. You will execute any additional documentation required for us to perfect our security interest in any funds in the Reserve. This security interest survives for as long as we hold funds in your Reserve; however, it does not apply to any funds for which the grant of a security interest would be prohibited by law. You irrevocably assign to us all rights and legal interests to any interest or other earnings that accrue or are attributable to your Reserve. You will not be entitled to a return of any sums remaining in reserve for up to <span ljsid-1=\"\">270</span> days following termination of your Merchant Account.":1,"#The Reserve will be in an amount as reasonably determined by us to cover anticipated Chargebacks, returns, unshipped merchandise and/or unfulfilled services or credit risk based on your processing history, or such amount designated by our processor. The Reserve may be raised, reduced, or removed at any time by iQmetrix, in its sole discretion, based on your payment history, a credit review, the amount of any arbitration award or court judgment against you in iQmetrix’s favor, or otherwise as iQmetrix or its processor or Adyen may determine or require. If you do not have sufficient funds in your Reserve, Adyen may fund the Reserve from any funding source associated with your Merchant Account, or from any other Merchant Account under your control or any funding source associated with such other Merchant Account, including but not limited to any funds (a) credited to your Merchant Account, (b) due to you under this Agreement, or (c) available in your bank Merchant Account, or other payment instrument registered with us.":1,"#If applicable, we may, at any time, temporarily suspend or delay payments to you and/or we may designate an amount of funds that Adyen must maintain in your Merchant Account (“<strong ljsid-1=\"\">Reserve</strong>”) to secure the performance of your payment obligations under this Agreement. We may require a Reserve for any reason, including high Chargeback risk or indications of performance problems related to your use of the Service.":1,"#Reserves":1,"#If a negative balance occurs on the Merchant Account as the result of Refunds or Chargebacks or as a result of the payment of the fees due to iQmetrix (the <span ljsid-1=\"\"></span><span ljsid-3=\"\">“</span><strong ljsid-4=\"\">Negative Balance</strong>”), Adyen will charge such Negative Balance to iQmetrix, the Merchant will owe such Negative Balance to iQmetrix, and the Merchant consents that this Negative Balance be withheld from future funds owed to you as further detailed below. Upon request, you undertake to pay immediately iQmetrix the Negative Balance.":1,"#If Adyen cannot transfer the funds to the Merchant’s bank account (due to inaccurate or obsolete bank account information entered by the Merchant, or for any other reason), neither Adyen nor iQmetrix will have any liability to Merchant for delayed funds.":1,"#The Merchant agrees that Adyen may withhold the fees due by Merchant to iQmetrix and consents to the payment of the fees as disclosed in the Fee Disclosure Box to iQmetrix by Adyen.":1,"#The Merchant will be placed on a deposit payout schedule set by iQmetrix at its sole discretion. Adyen and iQmetrix are not responsible for delays to the payout schedule described herein, which can include, but are not limited to, bank holidays, bank errors or issues, system outages or issues, and issues with Merchant onboarding. In such circumstances, funds will be deposited in the Merchant’s bank account as soon as technically possible.":1,"#Adyen will transfer funds to the Merchant’s bank account as instructed through the iQmetrix Platform, on your behalf, subject to this section <span ljsid-1=\"\">14</span>.":1,"#Deposit of Funds":1,"#Merchant must not enter into interchange a transaction that represents collection of a dishonored check.":1,"#Merchant must not accept a Card to collect or refinance an existing debit that has been deemed uncollectable by the Merchant providing the associated goods or services.":1,"#Merchant must not accept a Visa Consumer Credit Card or Commercial Visa Product to collect or refinance an existing debt.":1,"#Merchant must not enter into interchange any Transaction receipt for a Transaction that was previously charged back to the Acquirer and subsequently returned to the Merchant, irrespective of Cardholder approval. The Merchant may pursue payment from the customer outside the system.":1,"#Merchant must not disburse funds in the form of cash, unless the Merchant is dispensing funds in the form of travelers cheque or foreign currency. In this case, the Transaction amount is limited to the value of the travelers cheques or foreign currency, plus any commission or fee charged by the Merchant.":1,"#Merchant must not disburse funds in the form of travelers cheques, if the sole purpose is to allow the Cardholder to make a cash purchase of goods or services from the Merchant.":1,"#Merchant must not require a Cardholder to complete a postcard or similar device that includes the Cardholder’s account number, Card expiration date, signature, or any other Card account data in plain view when mailed. Merchant must not request or use an account number for any purpose other than as payment for its goods or services.":1,"#Merchant must not deposit a Transaction receipt that does not result from an act between the Cardholder and the Merchant.":1,"#Merchant may offer discounts for different Payment Methods and different Scheme Owners. Merchant will have any such discount clearly marked at point of sale.":1,"#Merchant may accept credit cards from a Scheme Owner without requirement to accept debit cards from same Scheme Owner. Merchant may accept debit cards from a Scheme Owner without requirement to accept credit cards from same Scheme Owner.":1,"#Merchant warrants and agrees that it shall at its own cost complete and maintain all necessary tax registration requirements in any territory for which it is required to charge, collect, pay over or remit any applicable taxes.":1,"#In the event of a change in Fees or the introduction of a new Fee, Merchant shall be given <span ljsid-1=\"\">90</span> days prior notice by iQmetrix by notification on iQmetrix’s website, the Merchant’s account console or email, and the Merchant may accept the change or terminate the Agreement without penalty within the notice period.":1,"#You must comply with all Rules. The Rules are incorporated into this Agreement by reference as if they were fully set forth in this Agreement. You shall comply with all Applicable Law, including, without limitation, those relating to anti-money laundering compliance, bank regulatory authorities, and local consumer protection agencies. You will assist us in complying in a complete and timely manner with all Applicable Laws and Rules, now or hereafter applicable to any Card transaction or this Agreement. You will execute and deliver to us any information we may reasonably deem necessary. If any terms of this Agreement conflict with the Rules, the Rules will govern. If you are required to enter into such an agreement and decline to do so, we may suspend or terminate your Merchant Account. Notwithstanding iQmetrix’s assistance in understanding the Rules, you expressly acknowledge and agree that you are assuming the risk of compliance with all provisions of the Rules, regardless of whether you have possession of those provisions. The Scheme Owners make excerpts of their respective Rules available on their websites.":1,"#Where relevant, each party will ensure adequate technical and procedural security measures are implemented with respect to their systems and in particular with respect to their interfaces to ensure system integrity and protection against unauthorised third party access and use of data processed, expressly including payment transaction data and any personal data. Each party will indemnify and hold the other party harmless from third party claims including fines from Scheme Owners and acquirers resulting from a breach of the obligations under this section <span ljsid-1=\"\">11</span>.<span ljsid-3=\"\">7</span>.":1,"#Where Adyen or iQmetrix becomes aware of and/or receives any notice of a potential exposure to a fine from the Scheme Owners related to any Merchant behaviour, Merchant will on first request provide all reasonable co-operation to help investigate the relevant circumstances and remedy the relevant violation, notwithstanding all other rights and remedies of Adyen or iQmetrix in such situation as per the Agreement. If fines are applied for the Merchant’s violations, these are invoiced by the Scheme Owners and/or the relevant Acquirer to Adyen as their contracting party. Merchant shall fully indemnify and hold iQmetrix and Adyen harmless from any fines applied by the Scheme Owners as a result of Merchant’s breach of the terms of this Agreement and related incurred reasonable legal and other costs.":1,"#On the iQmetrix Platform and the websites of the Scheme Owners, more detailed information on then current applicable fines and Rules is made available for Merchant. Merchant is strongly advised to regularly review the then current Rules and relevant changes to Applicable Laws as applicable to Merchant’s products and services and business practices to ensure their compliance to applicable Rules.":1,"#WARNING: For violations of certain key requirements under the Rules by Merchant, some Scheme Owners can levy significant fines, ranging from US$<span ljsid-1=\"\">25</span>,<span ljsid-3=\"\">000</span> to over US$<span ljsid-5=\"\">1</span> million. The Scheme Owners do this to protect the paying customers, merchants and providers of the Payment Methods collectively against misuse, fraud, illegal activities, breach of Applicable Laws and excessive costs. Key examples of Rules which are subject to such fines: (i) using the Payment Method for products and services other than for which the Merchant received express authorisation to use it for; (ii) using the Payment Method for products and services which are violating Applicable Laws; (iii) using the Payment Method for selling products and services for which the Scheme Owner explicitly prohibited its use (e.g. adult content, arms, drugs, counterfeit goods); (iv) using the Payment Method for the benefit of a third party / reselling the use of the Payment Method to a third party; (v) percentage of Transactions of a Merchant which is subject to a Chargeback is above the applicable acceptable level; (vi) breaches of security and confidentiality obligations with respect to payment data and in particular details of credit cards used such as the CVC number or credit card number; (vii) fraudulent, misleading activities of which customers making payments are the victim.":1,"#Merchant is fully responsible, and will fully indemnify iQmetrix and Adyen, for any claims, fines, and costs caused by any non-compliance by Merchant to Applicable Laws or Rules, expressly including any fines imposed by the Scheme Owners or by regulatory authorities on Adyen or iQmetrix as a result of such noncompliance.":1,"#The Services will not be not used by the Merchant for any product or service which appears in Adyen’s Prohibited and Restricted Services and Products List, as amended from time to time by Adyen in its sole discretion (available at: <a ljsid-1=\"\">https://www.adyen.com/legal/list-restricted-prohibited</a>), except if an express waiver is provided, and agreed to, by Adyen for products or services in the <span ljsid-3=\"\"></span><span ljsid-5=\"\">“</span>restricted” category. Such a waiver by Adyen should not be interpreted as the advice or opinion of Adyen as to the legality of the Merchant products and services under Applicable Law or the Rules, or of the use of the Adyen Services therefore.":1,"#The Merchant will not use the Services for the sale of any product or service which violates any Applicable Law or Rule. You shall only use the Services for the purposes as agreed in the Agreement and shall specifically not perform or allow to be performed any actions detrimental to the security or performance of the Services without iQmetrix’s prior written consent.":1,"#Compliance with Rules and Laws":1,"#Where supported by the relevant Acquiring Banks and Scheme Owners, Adyen will process Transactions in the currency in which the Transaction was submitted for processing, provided Merchant make a bank account available in the relevant currency to enable settlement in such currency to the Merchant. An up-to-date list of settlement currencies can be provided upon request. Where Adyen is requested or required to apply a currency conversion, Adyen will (if supported) execute such currency conversion subject to a Forex Management spread of (i) <span ljsid-1=\"\">1</span>.<span ljsid-3=\"\">2</span>% if the conversion is made between Adyen’s standard FX currencies or (ii) <span ljsid-5=\"\">3</span>% if the conversion involves a non-standard FX currency. An up-to-date list of standard FX currencies can be provided upon request. As reference rate for foreign exchange (FX), Adyen uses the daily FX mid-rate as published online by Oanda Business Information and Services Inc. The Merchant will in case of a Chargeback or Refund only be debited the original settlement amount received by the Merchant (in the original settlement currency) and the remainder of the original Transaction amount paid by the Merchant Customer (in the original Transaction currency and accordingly including any currency conversion differences and/or related costs) shall be for the account of iQmetrix.":1,"#Merchant acknowledges that, if a third-party Acquirer, an Acquiring Bank, a Scheme Owner or an Issuing Bank does not timely or correctly settle funds to Adyen, iQmetrix does not have any control over timely settlement to Merchant or the correction of incorrect settlements by such Acquiring Bank, Scheme Owner, Issuing Bank, or third-party Acquirer. However, iQmetrix will, on request from Merchant, on a best efforts basis (i.e., without guaranteeing a successful outcome), and on behalf of Merchant, request settlement and/or the correction of an error by an Acquiring Bank, a Scheme Owner, an Issuing Bank, or third party Acquirer to Adyen.":1,"#Within the context of the Services provided by iQmetrix to Merchant, Support Services are to be seen as a distinct service from the Adyen Services and the services performed by Scheme Owners and other connected parties (e.g., third party Acquiring Banks or Issuing Banks), as determined by the applicable Rules.":1,"#Merchant acknowledges that the processes for authentication, Authorization, acquiring, clearing and settlement of Transactions to Adyen are controlled by and are the responsibility of the third party Acquiring Banks, Scheme Owners and Issuing Banks, and acknowledges that such processes are subject to the Rules set by the relevant Scheme Owners. iQmetrix acts in its own name, is not responsible for services provided by these third parties and does not control the services provided by third party Acquiring Banks, Issuing Banks and Scheme Owners.":1,"#For CNP Transactions, enabling the secure entry and processing of payment transaction data on the iQmetrix Platform in accordance with applicable PCI DSS requirements and the secure submission of these to Adyen.":1,"#Line support to the Merchant in using the Adyen Services and the Payment Terminals; and":1,"#Setting up and managing the settings and configurations for Merchant with the Adyen Services made available for such purpose, including fraud tool settings;":1,"#Enabling Merchant to apply for the Adyen Services via the Merchant Onboarding Process on its website in accordance with <strong ljsid-1=\"\"><a ljsid-1-0=\"\">Merchant Onboarding Guide</a> </strong>and gathering and verifying all KYC documentation regarding the Merchant for completeness;":1,"#Connecting the iQmetrix Platform with the Adyen Services to enable the Merchant to use the Adyen Services via the iQmetrix Platform;":1,"#iQmetrix will, with respect to the Merchant, as part of Services perform the following activities and assume the following responsibilities with respect to the procurement and use of the Adyen Services (the":1,"#iQmetrix is not a PSP, a bank, a money transmitter, or an MSB, and does not offer banking, MSB services or PSP services. iQmetrix collects, analyzes, and relays information generated in connection with the Transactions. You authorize iQmetrix to provide this information to Adyen in order for Adyen to facilitate payments from the Merchant Customers to you through the Scheme Owners. As a result, Adyen - and not iQmetrix - actually conducts the settlement of card transactions and direct debit payments to Merchant. iQmetrix does not hold, own or control funds in connection with the Services, nor does iQmetrix transmit money or monetary value. iQmetrix does not receive, take possession of, or hold any money or monetary value for transmission, and does not advertise, solicit, or hold itself out as receiving money for transmission. The Merchant will not have access to the amounts carried out as payment for the goods or services from iQmetrix. Adyen is the party with the sole responsibility for conducting the settlement of funds between Merchant and the Merchant Customers.":1,"#iQmetrix’s Role and Responsibilities":1,"#The iQmetrix Platform will send settlement instructions with respect to the Transactions, on behalf of the Merchant, to Adyen, that will send them to an Acquiring Bank that is a member of one of the Scheme Owners. The Acquiring Bank is obligated to pay Merchant under both (a) the provisions of this Agreement, and (b) the Rules, that make both Adyen and the Acquiring Bank responsible for settling with you as a Merchant.":1,"#The Merchant acknowledges and accepts that all activities of iQmetrix on the iQmetrix Platform, including any settings of such Merchant for the Adyen Services, are considered to be performed by iQmetrix as authorized representative of Merchant pursuant to a mandate, permissions and instructions which iQmetrix hereby obtains from the Merchant.":1,"#The Services, together with the Adyen Services, allow you to accept valid payments from the Merchant Customers using Cards issued by Scheme Owners. These transactions are between Merchant and Merchant Customers. The Services are intended to be used for business purposes and not for personal, family, or household use.":1,"#The Service":1,"#iQmetrix currently uses the payment processor, Adyen, as the default method to process payments through the iQmetrix Platform. We may choose a different payment processor as the default method of processing payments at any time and in our sole discretion. By agreeing to this Agreement (by <span ljsid-1=\"\"></span><span ljsid-3=\"\">“</span>click through” or otherwise), you agree to the <a ljsid-5=\"\">AfP Terms and Conditions</a>, which constitutes a legal binding contract between you and Adyen. iQmetrix is not a party to the AfP Terms and Conditions and is not liable to you in respect thereof. iQmetrix is not responsible for Adyen’s decision about whether to create or maintain an account for you. You are solely responsible for maintaining your Merchant Account, including the accuracy and completeness of all information related to such account, whether provided to Adyen or us. You are solely responsible for any failures to receive your payment or delays in receiving your payment under this Agreement if you provide incorrect or incomplete information to Adyen or us.":1,"#iQmetrix, through an affiliated company, has an agreement with Adyen N.V. and Adyen Canada Ltd. (together, <span ljsid-1=\"\"></span><span ljsid-3=\"\">“</span><strong ljsid-4=\"\">Adyen</strong>”) which enables iQmetrix to allow Merchant to subscribe to the Adyen Services as an integrated payment solution in the iQmetrix Platform to enable the Merchant to offer various payment methods to their customers to pay for goods or services of the Merchant in the countrie(s) in which they are approved.":1,"#The iQmetrix Payments Terms of Service Agreement (this <span ljsid-1=\"\"></span><span ljsid-3=\"\">“</span><strong ljsid-4=\"\">Agreement</strong>”) governs your use of the Merchant Account and the Services. This Agreement is entered into in addition to the Master Software Subscription Agreement granting you the use of the iQmetrix Platform. This Agreement supersedes any directly conflicting terms in the Master Software Subscription Agreement.":1,"#Last Updated <span ljsid-1=\"\">01</span>/<span ljsid-3=\"\">16</span>/<span ljsid-5=\"\">2026</span>":1,"#iQ Payments | Terms of Service (TOS)":1,"#A <span ljsid-1=\"\">20</span>-minute live Q&amp;A with the iQmetrix team":1,"#Everything you need to know about the pilot program and how to get involved":1,"#How iQ Storefront’s faster development pace means quicker fixes and features for your team":1,"#Where the product is headed: what’s available today and what’s on the roadmap":1,"#A live demo of the platform, built around real feedback from customers like you":1,"#What actually changes (and what stays exactly the same) when you transition to iQ Storefront":1,"#What we covered":1,"#Retail is evolving, and iQmetrix is evolving with it. iQ Storefront is the next generation of our intelligent commerce platform, built to move at the speed of modern retail and designed around the way your teams actually work. You’ll leave with a clear picture of your path forward and the confidence to take the next step.":1,"#iQ Storefront Is Ready: What the Transition Means for You":1,"#RQ Sales + RQ Mobile end of life":1,"#July <span ljsid-1=\"\">31</span>, <span ljsid-3=\"\">2027</span>":1,"#All other transactions supported & operational RQ Mobile parity":1,"#End of <span ljsid-1=\"\">2026</span>":1,"#iQ Storefront ready for Canadian channel":1,"#End of Q<span ljsid-1=\"\">3</span> <span ljsid-3=\"\">2026</span>":1,"#iQ Storefront ready for Verizon":1,"#June <span ljsid-1=\"\">30</span>, <span ljsid-3=\"\">2026</span>":1,"#If you’re on RQ Mobile or RQ Sales Console, you’ll move to iQ Storefront before <strong ljsid-1=\"\">July <span ljsid-1-1=\"\">31</span>, <span ljsid-1-3=\"\">2027</span></strong>. The dates below are when your carrier integration will be ready on iQ Storefront. Start your planning before your availability date so your stores are ready to go the moment it arrives.":1,"#Key dates & milestones.":1,"#RQ Mobile and RQ Sales Console retire July <span ljsid-1=\"\">31</span>, <span ljsid-3=\"\">2027</span>. iQ Storefront, our modern, cloud-based POS, is ready for you now. One interface for sales, inventory, activations and payments, on any device. Let’s make the move together.":1,"#Your next POS is here. And it works the way you do.":1,"#RQ to iQ Storefront Transition":1,"#National Post: Skilled homegrown workers help Saskatchewan technology company excel":1,"#iQmetrix Endless Aisle Solution Powers Samsung Customer Engagement Award Win":1,"#iQmetrix at Mobile World Congress 2026":1,"#Join iQmetrix at Mobile World Congress 2026 as we dismantle the disconnected legacy stacks holding back the global telecom industry.":1,"#March <span ljsid-1=\"\">4</span>, <span ljsid-3=\"\">2026</span> | MWC Barcelona":1,"#And in February, FCC Chairwoman Jessica Rosenworcel proposed new rules which will be up for a vote in March that would crack down on robotexts as well. Rosenworcel said, <span ljsid-1=\"\"></span><span ljsid-3=\"\">“</span>I’m asking my colleagues to join me in adopting the first FCC rules to focus on shutting down scam texts. But we’re not stopping here. Because we are going to keep at it and develop more ways to take on this growing consumer threat.”":1,"#Separately, the FCC issued <a ljsid-1=\"\">a Robocall Enforcement Notice</a> to all US-based voice service providers stating, <span ljsid-3=\"\"></span><span ljsid-5=\"\">“</span>We hereby provide written notice to all U.S.-based voice service providers to take steps to effectively mitigate apparently illegal traffic from PhoneBurner and MV Realty. We consider blocking the traffic to be an example of effective mitigation.”":1,"#In late January, the FCC issued <a ljsid-1=\"\">a cease and desist letter to Twilio</a>—a publicly traded company with more than <span ljsid-3=\"\">5000</span> employees — demanding that <span ljsid-5=\"\"></span><span ljsid-7=\"\">“</span>voice service provider Twilio cease and desist from carrying the suspected illegal robocall traffic which it was apparently receiving from PhoneBurner”.":1,"#<a ljsid-0=\"\">AT&amp;T’s yearly Cybersecurity Insights Report has previously warned</a> that enterprise companies need to do more to prepare for the security threats that will come with <span ljsid-2=\"\">5</span>G, especially as the growing number of connected devices means volumetric attacks could <span ljsid-4=\"\"></span><span ljsid-6=\"\">“</span>hit new peaks” in the coming years.":1,"#by <span ljsid-1=\"\">Ash Kreider</span> on Mar <span ljsid-3=\"\">30</span>, <span ljsid-5=\"\">2023</span> in <a ljsid-7=\"\"> Wireless Trends </a>":1,"#iQmetrix Telecom POS and Retail Management Solutions":1,"#<a ljsid-0=\"\">iQ Storefront</a>, our telecom-specific point-of-sale lowers transaction times and improves the in-store experience for reps and customers with front-of-house capabilities including mobile POS, payment processing, and contactless payments. Our retail management modules boost operational efficiency with inventory, data, analytics, omnichannel, and much more.":1,"#by Megan Howse, Senior Vice President, Marketing on Jul <span ljsid-1=\"\">2</span>, <span ljsid-3=\"\">2026</span>":1},"version":5256}]