[{"_id":"project-settings","settings":{"translateMetaTags":true,"translateAriaLabels":true,"setLangAttributeOnBlockedContent":false,"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":5604},{"_id":"en","source":"en","pluralFn":"return n != 1 ? 1 : 0;","pluralForm":2,"dictionary":{},"version":5604},{"_id":"outdated","outdated":{"#8 Stück":1,"#AI Agent: Evaluate discount eligibility, enforces margin rules,":1,"#von <span ljsid-1=\"\">Ash Kreider</span> on Jun <span ljsid-3=\"\">13</span>, <span ljsid-5=\"\">2023</span> in <a ljsid-7=\"\"> Mobilfunkbranche </a>":1,"#by Jan Kuester, Business Development on Sep":1,"#by Jeff Vall, Senior Vice President, Corporate Development on Sep":1,"#Stunden":1,"#20ern":1,"#on Jun":1,"#Ash Kreider":1,"#Join us on October <span ljsid-1=\"\">28</span><sup ljsid-2=\"\">ième</sup> to see where telecom commerce is headed and what iQmetrix is building for what comes next.":1,"#Ready to Maximize Efficiency on Every Verizon Business Sale?":1,"#Automatically transfers all detailed line items into RQ, reducing manual data entry by an estimated <span ljsid-1=\"\">10</span> minutes per line and minimizing errors.":1,"#Seamless RQ Integration":1,"#Enables reps to thoroughly review all transaction details before submission to RQ, ensuring accuracy and completeness.":1,"#Accurate Data Review":1,"#Integrates with carrier systems to automatically check if a line has been activated or shipped, saving hours of manual status checks.":1,"#Automated Status Tracking":1,"#Provides a landing page for an at-a-glance view of all sales, their status, and items requiring attention or action.":1,"#Comprehensive Dashboard View":1,"#Allows sales reps to import transactions quickly using minimal details.":1,"#Effortless Transaction Import":1,"#Maximize the efficiency of business sales operations. Here’s how it works.":1,"#Verizon Business Integration Features":1,"#Cellular Sales":1,"#Josh Wasserman":1,"#Carrier integration for telesales transactions has been on our wishlist for years. With TE Sync, we’re seeing that vision come to life, and it’s a win across the board. It saves our reps valuable time, ensures commissions are accurate, and gives our back office the clean data they need to easily match payments. It’s a game-changer on efficiency.":1,"#TE and RQ, it ensures your data flows smoothly — no double entry required.":1,"#Get real-time insight into every application with a centralized dashboard that tracks status from start to finish. Fully integrated with B":1,"#Seamless RQ integration with total visibility":1,"#Eliminate costly errors with automated status checks and data reconciliation. Say goodbye to manual mistakes and hello to smoother commission tracking.":1,"#Sales order accuracy you can trust":1,"#Automate the most time-consuming parts of the transaction process, reducing manual entry by an estimated <span ljsid-1=\"\">10</span> minutes per line. Free up your team to focus on selling, not inputting.":1,"#Save time with every Verizon business transaction":1,"#TE Sync simplifies transaction management, automates status updates, and ensures commission tracking is accurate and hassle-free, helping you save time and stay focused on your sales goals.":1,"#Explore Efficiency Redefined for Verizon Business Agents":1,"#TE Sync is a purpose-built Verizon Business integration designed for Verizon agents to streamline business sales processes and commission tracking from B<span ljsid-1=\"\">360</span> TE and RQ.":1,"#Streamline Your Business Team’s Sales Flow":1,"#Verizon Business Integration for Telecom":1,"#site www.iqmetrix.com":1,"#15_setup.exe":1,"#Supply Chain Management solutions allow you to control, organize, predict, and get visibility into your inventory across any location and retail channel. These integrated vendors help you navigate complex supply chains and competition with mass market retailers, while simultaneously dealing with fluctuating customer demands and increasing customer expectations. If you’re looking for a way to stand out in your competitive retail space, a seamless fulfillment process and ability to deliver can set you apart.":1,"#Supply Chain Partners":1,"#Subscribe to our monthly newsletter - The Overview":1,"#Wireless trends delivered! Get news and analysis delivered straight to your inbox with The Overview. Subscribe now!":1,"#iQmetrix | Subscribe to our monthly newsletter - The Overview":1,"#Your monthly look at the big picture in telecom retail":1,"#Stay Ahead of the Telecom Industry":1,"#Newsletter Subscription":1,"#From Connectivity to Commerce: Why Telcos Need the Experience Layer…":1,"#Stay up to date on industry trends, partner news, and retail telecom insights shaping what’s next.":1,"#The telcos that lead in this next era will not necessarily be the largest. They will be the ones who move fastest from selling connectivity to delivering a platform, supported by an operational foundation built on agility, openness, and connected commerce. That requires both layers: a robust core commerce platform and an equally sophisticated experience layer that knows who the customer is, what they want, and how to help them get there without friction.":1,"#Why This Matters Now":1,"#That matters for Caribbean telco operators especially. Many Caribbean operators can modernize more quickly than organizations managing decades of layered systems and processes. The opportunity Smidts described at CANTO is real, but only if telcos invest in the right design, rather than layering modern front-ends on siloed back-office systems and wondering why the customer experience still feels broken.":1,"#The industry is already validating this approach. TM Forum’s Catalyst program has brought together leading technology companies to prove that modular, standards-based architectures can work in real telecom environments. Both Tecnotree and iQmetrix have participated in that work.":1,"#This Is Not Theoretical":1,"#The joint value is concrete, with pre-built journeys that enable a seamless, truly omnichannel experience. Retail associates get a real-time view of stock across stores and in-transit inventory. Customers get consistent offers whether browsing an app, visiting a store, or calling in. New products and bundles launch once from a centralized catalog and propagate across every channel immediately. Order management becomes end-to-end, from customer intent through activation. The result is greater operational efficiency, fewer errors, and a more consistent customer experience across every channel.":1,"#That is what it means to connect the experience layer to the core commerce layer which iQmetrix and Tecnotree have been collaborating on. iQmetrix brings the retail and commerce orchestration capability, including point-of-sale, inventory visibility across channels, consistent promotions across touchpoints, and the omnichannel capabilities that make a customer’s journey consistent regardless of where it begins or ends. Tecnotree, with its robust core foundation, provides full-stack commerce and network orchestration across service and order management, with a catalog-driven fulfilment at the heart of modern operations for the next breed of connectivity providers. Tecnotree’s Digital BSS suite is powered by TMF ODA principles for accelerated interoperability and modular architectural process standardization across customer, partner, and revenue management domains scaled for changing enterprise and customer market dynamics. When these two layers work together through a unified catalog, synchronized inventory, and real-time order visibility, telcos move beyond connectivity and become the technology platforms Inge Smidts described.":1,"#A customer logs into a telco’s app. They see a promotion tailored to their usage pattern and current plan, pulled in real time from the core commerce platform’s promotions engine. They click upgrade. That action flows directly to inventory, billing, and customer records. The service activates. The bill updates. If they wants to pick up the device in store, the app shows them which location has it in stock. If they started the transaction at home and walk into the store to complete it, the associate already has context. No manual steps. No <span ljsid-1=\"\">24</span>-hour processing delay. No gap between what the experience promised and what the backend could deliver.":1,"#Now imagine a different scenario – <em ljsid-1=\"\">Omnichannel experience in its true sense.</em>":1,"#What Changes When You Connect Both Layers":1,"#These are not edge cases but daily operational reality for most telco operators. The root cause is not technology but architecture. Architecture unification and process standardization remain common challenges in multi-vendor telecom environments. When the core commerce layer and customer experience layer evolve independently, operational complexity increases, costs rise, and customers suffer.":1,"#On the customer side, the experience is equally <a ljsid-1=\"\">fragmented</a> with multiple friction points between experience layer, core commerce, and fulfilment planes. Starting a transaction in one channel and completing it in another is challenging because of missing centralized party interaction logic. What telcos call <span ljsid-3=\"\"></span><span ljsid-5=\"\">“</span>omnichannel” is often just multi-channel.":1,"#The failure is almost always the same. A store agent upgrades a customer’s plan and has no visibility into whether the device they just promised is actually in stock at their location, a nearby store, or in transit. The catalog the store is selling from is a different version than the one in the BSS, so product launches require manual synchronization and create ongoing sync errors. Promotions offered at the store level do not align with what the core system recognizes, which means hand-offs break and exceptions pile up. When a customer’s device is shipping, no one can tell them where it is because the POS has no connection to the logistics layer.":1,"#The Disconnect Between Core and Customer":1,"#Because right now, for most telco operators, they do not.":1,"#That shift is not just a messaging change. It is a business model transformation. And it is impossible to achieve without fundamentally rethinking how telcos organize their operations, specifically how the core commerce layer and the customer experience layer work together.":1,"#Inge Smidts, CEO of Liberty Caribbean, framed it precisely: <span ljsid-1=\"\"></span><span ljsid-3=\"\">“</span>The network is no longer the destination. It is the platform on which the Caribbean’s next economy will be built.” The question she posed to every telco operator in the room was not <span ljsid-5=\"\"></span><span ljsid-7=\"\">“</span>how do we connect more people?” but <span ljsid-9=\"\"></span><span ljsid-11=\"\">“</span>what are we going to build on top of that connectivity?” She pointed to AI as a leapfrog opportunity for the region, a chance to move faster than markets burdened by legacy thinking, but only if telcos are willing to adopt technology platforms that enable entirely new digital services and experiences.":1,"#At this year’s CANTO Annual Conference & Trade Exhibition in August, Caribbean telecom executives highlighted a fundamental shift: connectivity is no longer the end product. It is the foundation.":1,"#by <span ljsid-1=\"\">Jeff Vall, Senior Vice President, Corporate Development</span> on Sep <span ljsid-3=\"\">17</span>, <span ljsid-5=\"\">2026</span> in <a ljsid-7=\"\"> Intelligent Commerce </a> <a ljsid-9=\"\"> Unified Commerce </a>":1,"#Discover Intelligent Commerce":1,"#Of course, getting a head start is a lot easier when your systems are already working together behind the scenes: inventory, POS, and fulfillment talking to each other in real time instead of you piecing it together by hand during your busiest weeks. That’s the idea behind <strong ljsid-1=\"\">iQmetrix’s Intelligent Commerce</strong> approach, one connected system that handles the details so you’re not stuck reconciling five different tools when it counts most.":1,"#The retailers who feel the most in control come November and December usually aren’t the ones who did more, they’re the ones who started a little earlier. Shoppers are on track to spend close to $<span ljsid-1=\"\">890</span> per person this season, the second-highest amount on record, so the volume moving through stores over the next few months is real. With a good chunk of shoppers already gearing up, it’s a good time to start thinking about what your holiday season actually looks like, and giving yourself a head start while you can.":1,"#Small Steps Now, Calmer Season Later":1,"#<strong ljsid-0=\"\">Watch for burnout, not just headcount.</strong> Enough people scheduled doesn’t always mean the team feels supported. A demanding stretch like this one goes a lot smoother when breaks are protected and the schedule feels fair, not just full.":1,"#<strong ljsid-0=\"\">Make sure your checkout can keep up</strong>. Tap, mobile wallets, split payments, gift card redemption, and Buy Now Pay Later are quickly becoming the norm, not the exception. <span ljsid-2=\"\">43</span>% of shoppers now say a Buy Now Pay Later plan will play a role in their holiday spending this year, up from just <span ljsid-4=\"\">20</span>% two years ago (per Experian). Not offering it is a real way to lose a bigger sale to a customer who walks away to <span ljsid-6=\"\"></span><span ljsid-8=\"\">“</span>think about it.”<a ljsid-10=\"\"> iQ Pay makes this an easy box to check</a>, with Klarna and Affirm BNPL built right in, so retailers already running it don’t need to bolt on a separate integration to catch this trend.":1,"#<strong ljsid-0=\"\">Take stock of your gift card program.</strong> Gift cards remain the single most requested gift, half of shoppers say it’s what they actually want (per NRF). Worth a quick check that yours are stocked, easy to find near the counter, and simple for staff to redeem without a second thought.":1,"#<strong ljsid-0=\"\">Think about the small touches that make shopping easier.</strong> Things like gift wrapping, gift cards, extended hours, or a clearly marked <span ljsid-2=\"\"></span><span ljsid-4=\"\">“</span>gifts under $<span ljsid-6=\"\">50</span>” table don’t take much to set up, but they can make a real difference to someone who’s shopping under a bit of time pressure and just wants the decision made easier for them.":1,"#<strong ljsid-1=\"\">Sketch out a loose promotional calendar.</strong> You don’t need finished campaigns yet, just a rough sense of when you might want to run a sale, send an email, or push a social post, and around which dates. Having even a loose outline now means you’re not scrambling to figure out messaging the same week you need to send it.":1,"#<strong ljsid-0=\"\">Give your return policy a second look.</strong> Between gift exchanges and the general chaos of the season, returns tend to spike, and a policy that’s unclear or hard to find is a fast way to frustrate a customer who was otherwise happy. Make sure it’s easy to understand, easy to find, and actually reflects how you want to handle a busy season.":1,"#<strong ljsid-0=\"\">Take the guesswork out of restocking.</strong> Keeping shelves full through the holidays is a lot of work when you’re doing it by hand. With vendor managed inventory (VMI), your vendor uses your actual sales and inventory data to forecast demand and send restock orders for each location, so best sellers stay on the shelf, and slow movers don’t pile up. You still review and approve every order, you just skip the busy work. iQmetrix works with a range of <a ljsid-2=\"\">VMI partners</a>, so getting set up could be easier than you think.":1,"#<strong ljsid-0=\"\">Get ahead of this year’s hot items.</strong> Electronics remain one of the most requested gift categories (<span ljsid-2=\"\">22</span>% of shoppers, per NRF), and popular models tend to move fast, so lead times and backorders can sneak up on you. Smart rings are one to watch this year. Oura alone sold about <span ljsid-4=\"\">3</span>.<span ljsid-6=\"\">6</span> million rings in the <span ljsid-8=\"\">12</span> months ending this June, roughly double what the entire category shipped in <span ljsid-10=\"\">2024</span>, and they’ve quickly become a go-to gift for anyone into fitness or sleep tracking. If they’re not in your lineup yet, now’s a good time to ask what’s available.":1,"#<strong ljsid-0=\"\">Give your customer experience a once-over.</strong> Walk through your store (and your website) with fresh eyes. Are your hours posted and accurate? Does your messaging feel current? Is there anything that quietly needs freshening up before more traffic starts coming through?":1,"#<strong ljsid-0=\"\">Start the people conversation early. </strong>Time off requests, extra shifts, who’s around for the busiest days, these conversations get harder the closer you get to the season. Bringing it up with your team now, even casually, gives everyone more breathing room to plan.":1,"#<strong ljsid-0=\"\">Take a quick look back before you look forward. </strong>You don’t need a deep dive into spreadsheets. Just a gut check: what worked well last year, what caught you off guard, and what would you do differently? A ten-minute trip down memory lane now beats trying to remember it all in the middle of a busy December.":1,"#You don’t need a full strategic overhaul this week. A few small, easy moves now can save you a lot of stress later.":1,"#A Few Low Effort Ways to Get a Head Start":1,"#For a retailer, that means <span ljsid-1=\"\"></span><span ljsid-3=\"\">“</span>holiday season” really spans a good couple of months, with different peaks, different shoppers, and different reasons to walk through your door. Thinking about it as one long season, rather than a single Christmas rush, tends to lead to better planning and a shopping experience that feels welcoming to everyone who walks in, whatever they’re celebrating (or if they’re just there for the sales).":1,"#Here’s the thing about <span ljsid-1=\"\"></span><span ljsid-3=\"\">“</span>the holidays”…it’s not one date on the calendar…it’s a stretch of weeks where different customers are celebrating different things at different times. Diwali often falls in October or November. Thanksgiving isn’t even on the same day everywhere, Canada celebrates in mid-October, while it’s late November for the United States. Hanukkah’s timing shifts every year depending on the lunar calendar. Then there’s Black Friday, Christmas, Boxing Day, Kwanzaa, and New Year’s, all rolling through in close succession.":1,"#It’s a Season, Not a Single Day":1,"#And it starts earlier than a lot of people expect. NRF’s most recent holiday survey found that <span ljsid-1=\"\">42</span>% of shoppers are already browsing and buying before November, while <span ljsid-3=\"\">63</span>% now say they do the bulk of their shopping over Thanksgiving weekend alone, up from <span ljsid-5=\"\">59</span>% the year before. If a good chunk of your customers are already thinking about the holidays, this is the right time for you to be thinking about them too.":1,"#Back to school season is wrapping up, and for retailers, that usually means a short window to catch your breath before the next big push…the holidays. This year, that push is a big one. Deloitte is forecasting $<span ljsid-1=\"\">1</span>.<span ljsid-3=\"\">70</span> to $<span ljsid-5=\"\">1</span>.<span ljsid-7=\"\">71</span> trillion in holiday retail sales this season, growth of <span ljsid-9=\"\">4</span> to <span ljsid-11=\"\">4</span>.<span ljsid-13=\"\">8</span> percent over last year, with online sales growing even faster at <span ljsid-15=\"\">7</span>.<span ljsid-17=\"\">5</span> to <span ljsid-19=\"\">8</span>.<span ljsid-21=\"\">4</span> percent.":1,"#by <span ljsid-1=\"\">Erin Drake, Customer Marketing and Operations Manager, Marketing</span> on Sep <span ljsid-3=\"\">29</span>, <span ljsid-5=\"\">2026</span> in <a ljsid-7=\"\"> Intelligent Commerce </a> <a ljsid-9=\"\"> Tips </a>":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=\"\"> Telecom Industry Trends </a>":1,"#by <span ljsid-1=\"\">Emily Baxter</span> on Oct <span ljsid-3=\"\">30</span>, <span ljsid-5=\"\">2020</span> in <a ljsid-7=\"\"> Payments & Financial Services </a>":1,"#Der <span ljsid-1=\"\">2026</span> Telecom Industry Address & Product Announcements goes live on Wednesday, October <span ljsid-3=\"\">28</span>. You’ll get the megatrends reshaping telecom, the first look at brand-new industry research, and what’s next for the <a ljsid-5=\"\">Intelligentes Handelsbetriebssystem</a>. It’s the kind of perspective that usually comes with a flight, a hotel, and a conference pass. This year, it comes with whatever’s already in your fridge.":1,"#von <span ljsid-1=\"\">Niki Blott, Event & Growth Marketing Manager</span> on Sep <span ljsid-3=\"\">28</span>, <span ljsid-5=\"\">2026</span> in <a ljsid-7=\"\"> Intelligenter Handel </a> <a ljsid-9=\"\"> Adresse der Telekommunikationsbranche </a> <a ljsid-11=\"\"> Trends in der Telekommunikationsbranche </a>":1,"#iQmetrix | Verizon Business Integration for Telecom":1,"#by <span ljsid-1=\"\">Ash Kreider</span> on Jan <span ljsid-3=\"\">17</span>, <span ljsid-5=\"\">2024</span> in <a ljsid-7=\"\"> Telecom Industry Trends </a>":1,"#iQmetrix Ranked in 2023 BC’s Top 50 and Canada’s Most Family-Friendly…":1,"#Vancouver, BC—February 14, 2023—iQmetrix, North America’s leading telecom experience platform, has once again been listed in the annual BC’s 50 Top…":1,"#iQmetrix | iQmetrix Ranked in 2023 BC’s Top 50 and Canada’s Most…":1,"#Founded in <span ljsid-1=\"\">1992</span>, Mediacorp Canada Inc. is the nation’s largest publisher of employment periodicals. Since <span ljsid-3=\"\">1999</span>, the Toronto-based publisher has managed the Canada’s Top <span ljsid-5=\"\">100</span> Employers project, which includes <span ljsid-7=\"\">18</span> regional and special-interest editorial competitions that reach over <span ljsid-9=\"\">15</span> million Canadians annually through a variety of magazine and newspaper partners, including The Globe and Mail. Mediacorp also operates Eluta.ca, one of Canada’s largest job search engines, which reaches millions of jobseekers annually and features editorial reviews from the Canada’s Top <span ljsid-11=\"\">100</span> Employers project. More information at <strong ljsid-13=\"\"><a ljsid-13-0=\"\">www.canadastop<span ljsid-13-0-1=\"\">100</span>.com</a></strong>.":1,"#For <span ljsid-1=\"\">23</span> years, we’ve been passionate about helping the leading brands in telecom to grow by providing best-in-class software, services, and expertise that enables them to adapt and thrive. Our solutions powered $<span ljsid-3=\"\">17</span>BN in sales last year, and are used by approximately <span ljsid-5=\"\">320</span>,<span ljsid-7=\"\">000</span> telecom retail professionals across <span ljsid-9=\"\">1</span>,<span ljsid-11=\"\">000</span> clients. iQmetrix is a privately held software-as-a-service (SaaS) company with locations in Canada, the U.S, and India. For more information, please visit <a ljsid-13=\"\"><strong ljsid-13-0=\"\">www.iqmetrix.com</strong></a>.":1,"#iQmetrix’s telecom experience platform is designed to power sales of connected devices. Our software is built around enabling telecom retailers to deliver a buy-anywhere strategy through multi-channel inventory management and digital retail solutions; make data-driven decisions using robust reporting; and unify storefronts and digital channels for a consistent customer experience — in-store, online, and anywhere else.":1,"#To find out more about career opportunities and the working culture at iQmetrix, visit <a ljsid-1=\"\">www.iqmetrix.com/careers</a>.":1,"#Employers are compared to other organizations in their field to determine which offer the most progressive and forward-thinking programs. All companies in Canada are eligible to enter, and the results are divided by provincial and specialty rankings, in addition to the overall top <span ljsid-1=\"\">100</span> listing.":1,"#Now in its <span ljsid-1=\"\">23</span><sup ljsid-2=\"\">rd</sup> year, Canada’s Top Employers is a national awards program, operated by Mediacorp, recognizing employers that lead their industries and offer exceptional workplaces. Employers across the country are evaluated by the editors of Canada’s Top <span ljsid-4=\"\">100</span> Employers using eight criteria, which have remained consistent since the project’s inception:":1,"#Marni Aubichon, Co-Lead of People and Culture at iQmetrix, said, <span ljsid-1=\"\"></span><span ljsid-3=\"\">“</span>At iQmetrix, we’re extremely proud of our <a ljsid-5=\"\">award-winning workplace culture,</a> which is based on self-management principles that allow every employee to bring their authentic selves to their roles and thrive in their careers. We have a team of wonderful humans who are united by our shared values, with a focus on diversity and inclusion. iQmetrix also prides itself on being a learning organization, with an extensive catalog of training and development programs as well as personal coaching available to all iQers. And we’re very happy to offer staff an awesome range of benefits.”":1,"#Both of iQmetrix’s newly announced top employer rankings were based on the company’s overall listing as one of Canada’s <span ljsid-1=\"\">100</span> Top Employers for <span ljsid-3=\"\">2023</span>, which was published in November <span ljsid-5=\"\">2022</span>.":1,"#Kristina Leung, managing editor at Mediacorp, said, <span ljsid-1=\"\"></span><span ljsid-3=\"\">“</span>Families come in all shapes and sizes, so progressive employers know their employees have varying needs when it comes to looking after family commitments. This year’s winners have made their programs and policies more flexible to accommodate different family structures, ensuring support exists during various pathways to parenthood, and beyond, to caring for family members in the later stages of life.”":1,"#One over-and-above health benefit offered by the company is $<span ljsid-1=\"\">25</span>,<span ljsid-3=\"\">000</span> lifetime coverage for fertility drugs, which iQmetrix recognized as a gap in its benefits and introduced in <span ljsid-5=\"\">2017</span>. The coverage has since been used to life-changing effect by at least one employee. Sean Anderson, Client Engagement Lead at iQmetrix, <a ljsid-7=\"\">shared his story</a> about how he and his wife used this benefit, which resulted in a wonderful baby girl named Scottie. Sean said, <span ljsid-9=\"\"></span><span ljsid-11=\"\">“</span>This benefit was awesome, and something we didn’t expect. [The coverage] was perfectly timed for us, as fertility drugs are not cheap… We’re really grateful for the support.”":1,"#In a separate category of the same awards program, iQmetrix was also announced as one of Canada’s Top Family-Friendly Employers for <span ljsid-1=\"\">2023</span>, in a list unveiled on February <span ljsid-3=\"\">9</span>. This special designation was awarded to iQmetrix for its extensive range of family-friendly employee benefits, including comprehensive healthcare coverage, <span ljsid-5=\"\"></span><span ljsid-7=\"\">“</span>trusted, take-what-you-need” vacation leave, and trusted sick days that also allow for employees’ dependents being sick and needing care.":1,"#Top Employers rankings, revealed today.":1,"#in the annual BC’s":1,"#listed":1,"#, North America’s leading telecom experience platform, has once again been":1,"#Vancouver, BC — February <span ljsid-1=\"\">14</span>, <span ljsid-3=\"\">2023</span>—":1,"#by <span ljsid-1=\"\">Joannah Connolly</span> on Feb <span ljsid-3=\"\">14</span>, <span ljsid-5=\"\">2023</span>":1,"#5 Predictions for Telecom Retail in 2026 (And How We're Tackling Them at SummitX)":1,"#Online and in-store fusion":1,"#Actionable results":1,"#Email marketing integrations":1,"#<span ljsid-1=\"\">“</span>King of Customer Experience” and World-Class Endurance Athlete to Headline SummitX <span ljsid-3=\"\">2025</span>":1,"#Another issue is fear that VIS partners would have a different goal or agenda than retailers. We might hear something from retailers like, <span ljsid-1=\"\"></span><span ljsid-3=\"\">“</span>Our goal is to manage inventory as low as possible, so we don’t have excess inventory on hand, because it’s cash out of our bank account — whereas it’s your [the VIS partner’s] goal to maximize sales so you’re going to try to push all these products in.”":1,"#The retailers can still go through those orders and make changes. For example, maybe you know that there’s a Motorola device that had been selling really well, but now you’re not able to get more devices so you don’t want additional accessories for that device. You still have the freedom to say, <span ljsid-1=\"\"></span><span ljsid-3=\"\">“</span>I don’t want to replenish this item,” <span ljsid-5=\"\"></span><span ljsid-7=\"\">“</span>Mark this as do not order,” or <span ljsid-9=\"\"></span><span ljsid-11=\"\">“</span>Hold off on this item for two weeks.” We’d then make those changes and only push the order after approval.":1,"#in <a ljsid-1=\"\"> Inventory Management </a> <a ljsid-3=\"\"> Vendor Managed Inventory </a>":1,"#by Joannah Connolly on Jan <span ljsid-1=\"\">24</span>, <span ljsid-3=\"\">2022</span>":1,"#by Joannah Connolly on Apr <span ljsid-1=\"\">22</span>, <span ljsid-3=\"\">2022</span>":1,"#by Ash Kreider on Nov <span ljsid-1=\"\">15</span>, <span ljsid-3=\"\">2023</span>":1,"#by Ash Kreider on Mar <span ljsid-1=\"\">19</span>, <span ljsid-3=\"\">2024</span>":1,"#by Joannah Connolly on Dec <span ljsid-1=\"\">2</span>, <span ljsid-3=\"\">2024</span>":1,"#by Courtney Miller, Market Research and Intelligence Analyst on Feb <span ljsid-1=\"\">27</span>, <span ljsid-3=\"\">2025</span>":1,"#by <span ljsid-1=\"\">Joannah Connolly</span> on Dec <span ljsid-3=\"\">4</span>, <span ljsid-5=\"\">2024</span> in <a ljsid-7=\"\"> SummitX </a> <a ljsid-9=\"\"> Telecom Industry Trends </a>":1,"#by Courtney Miller, Market Research and Intelligence Analyst on Feb <span ljsid-1=\"\">28</span>, <span ljsid-3=\"\">2025</span>":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,"#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,"#<span ljsid-0=\"\">5</span> Trends and Challenges Disrupting the Telecom Industry":1,"#Virtual Event":1,"#by <span ljsid-1=\"\">Megan Howse</span> on Oct <span ljsid-3=\"\">9</span>, <span ljsid-5=\"\">2020</span> in <a ljsid-7=\"\"> Omnichannel Retail Trends </a> <a ljsid-9=\"\"> eCommerce </a>":1,"#by Niki Blott, Event & Growth Marketing Manager on Aug <span ljsid-1=\"\">6</span>, <span ljsid-3=\"\">2025</span>":1,"#it?":1,"#brief overview of what VIS is, and how it delivers value to retailers that use":1,"#—that prevent retailers from using it. Can you give a":1,"#also known as vendor-managed inventory (VMI)":1,"#Here at iQmetrix, we’ve discovered there are still some common retailer misconceptions about vendor inventory services, or VIS":1,"#In this Q&A, we sit down with our integrated vendor accessory partner Solutions 2 GO to talk about common retailer misconceptions about vendor inventory…":1,"#Check out the Solutions <span ljsid-1=\"\">2</span> GO partner page for more information.":1,"#Lastly, VIS integrated alongside Dropship can let retailers extend their product offerings without having to have more space in their store. This lets retailers improve the customer experience by offering a wider range of products, without having to take on the extra risk that comes with additional product stock on-hand. And integrating Dropship with VIS makes sure product availability and pricing updates across all systems instantly.":1,"#However, there are still various misconceptions and myths surrounding this inventory management approach. We sat down with Justin Drage, former iQmetrix Vice President of Partnerships and now Vice President of Partnerships, Mobility, at <a ljsid-1=\"\">Solutions <span ljsid-1-1=\"\">2</span> GO</a>, to tackle this topic. Solutions <span ljsid-3=\"\">2</span> GO is a global distributor with locations across North and South America, and its <a ljsid-5=\"\">integrated partnership with iQmetrix</a> brings Vendor-Managed Inventory (VMI) and Dropship services to telecom retailers in Canada<em ljsid-7=\"\">.</em>":1,"#And that’s another area where return rights come in. In my experience at Solutions <span ljsid-1=\"\">2</span> GO, it really does us no benefit to overstock our partners, so those return rights help to build trust and understanding that VIS partners are aligned with retailers’ needs. It makes sense for VIS partners to make sure retailers have the right products at the right place and the right time, because otherwise it just amounts in losses in the value chain.":1,"#Another example is return rights. If you’re a retailer who is sitting on a lot of Product X that hasn’t sold in a month and the return rights with the vendor that sells the product are coming up, your VIS integration partner can send you an alert about the underperforming product. Then you can decide what makes the most sense – do you run a promotion for your team to help sell the product, or do you send it back to the supplier for credit?":1,"#VIS creates alignment with supply-chain partners by allowing them to see your inventory and help determine which inventory goes best where. It also puts you at the front of the line before businesses that submit their own purchase orders, because now your suppliers have skin in the game. If an item isn’t performing for you, or if you’re running short on critical stock, your supplier becomes part of solving that problem. It aligns the resources on both sides, which is a huge advantage for retailers and suppliers.":1,"#This means retailers keep all the control, and VIS is just taking busy work off their plate and better integrating their supply chain.":1,"#At Solutions <span ljsid-1=\"\">2</span> GO, we offer retailers the ability to review all orders before they’re completed. We look at sales, trends, and inventory on hand to build suggested orders, and then build orders for you on the date that you requested for us and send them to you for review.":1,"#but does that require giving up control over your inventory? Given that one common perception of using vendors to manage inventory is that the retailer loses control.":1,"#That helps managing inventory":1,"#Updated on March <span ljsid-1=\"\">19</span>, <span ljsid-3=\"\">2025</span>":1,"#<span ljsid-1=\"\">5</span> Things You Can’t Miss at MWC<span ljsid-3=\"\">19</span> LA":1,"#International Women’s Day <span ljsid-1=\"\">2021</span>: <span ljsid-3=\"\">10</span> Inspiring and Influential Women in Telecom":1,"#by <span ljsid-1=\"\">Joannah Connolly</span> on Jan <span ljsid-3=\"\">26</span>, <span ljsid-5=\"\">2023</span> in <a ljsid-7=\"\"> CES </a> <a ljsid-9=\"\"> Telecom Industry Trends </a>":1,"#Payments & Financial Services":1,"#iQmetrix | AI Fatigue Is Real. So Are a Few Things You Can't Ignore.":1,"#by Ash Kreider on Feb <span ljsid-1=\"\">14</span>, <span ljsid-3=\"\">2023</span>":1,"#by Joannah Connolly on Dec <span ljsid-1=\"\">4</span>, <span ljsid-3=\"\">2024</span>":1,"#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},"version":5604}]