How WONWOW Works | Wholesale Payments + Merchant Growth

People • Payments • Possibilities

We're not your typical payment processor. Here's why.

What if your payment processing could return value to your business, show where your customers come from, build your digital visibility, and bring customers back?

WONWOW brings wholesale-based payment economics, potential participation in eligible transaction revenue, and merchant growth tools together in one relationship.

Call 303-641-9523 Request a 15-minute meeting

Processing eligibility, fee arrangements, and potential revenue sharing are subject to underwriting and approved commercial terms.

Why WONWOW is different

01 — ECONOMICS

Wholesale-first payments

Look beyond advertised retail rates. We evaluate your actual card mix, transaction methods, and volume to identify a suitable wholesale-based structure and potential eligible economic participation.

02 — VISIBILITY

Know what brings customers in

Connect QR attribution, customer-source insights, local review growth, and digital visibility to understand and support acquisition—not just payments.

03 — RETENTION

Give them a reason to return

WONWOW Pass and WONWOW Offer connect participating businesses to an Apple Wallet-compatible membership and offers network designed for repeat engagement.

Two merchant payment paths

Choose the path that fits your business.

WONWOW does not require a merchant that processes directly through us to show a competing “second buy” choice. An optional additional payment path is a separate model for merchants retaining an existing processor.

PATH A — PRIMARY MERCHANT

WONWOW as your payment provider

Direct payment acceptance. One clear checkout.

Review your payment mix

Understand volume, card types, cost and current operations.

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Complete merchant onboarding

Approval, pricing, gateway credentials and settlement setup.

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Customer pays through WONWOW

Use the approved card-present or online payment flow; no unnecessary comparison step.

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Payment is recorded

Authorized settlement, invoice updates and reconciliation.

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Connect the growth network

Use attribution, visibility and offers to support future sales.

The normal customer experience is pay → confirm → receipt, without an artificial second payment option.

PATH B — OPTIONAL HYBRID

Keep your processor; add WONWOW where supported

Test an additional payment choice without a forced full switch.

Keep existing acceptance

Merchant's established POS and payment provider remain in place.

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Review approved WONWOW alternative

Confirm technical integration, commercial eligibility and disclosures.

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Customer chooses a payment path

Existing checkout or separately authorized WONWOW payment path.

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One invoice, one successful charge

Use safeguards against duplicate charges and reconcile transactions by provider.

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Evaluate results

Compare verified economics and growth outcomes before changing your setup.

Optional second-path acceptance is integration-dependent and not yet a universally live feature. Existing POS compatibility varies.

WONWOW PASS • THE CUSTOMER GROWTH NETWORK

How WONWOW Pass works

One free, Apple Wallet-compatible WONWOW Pass connects members with participating merchants and their offers. It is the customer-engagement layer of WONWOW—not a replacement for merchant payment onboarding.

1 — CUSTOMER JOINS

Get the free WONWOW Pass

A customer signs up and adds the universal WONWOW Pass to Apple Wallet on a compatible iPhone.

2 — MERCHANT PARTICIPATES

Publish an offer

An authorized participating business creates offers for customers through WONWOW Offer.

3 — MEMBER DISCOVERS

Find a reason to visit

Members can discover relevant participating merchant offers and follow the offer claim or redemption experience.

4 — CUSTOMER REDEEMS

Use the offer

Customers follow the participating merchant's redemption terms. Applicable payments are handled through the approved checkout method.

5 — MERCHANT MEASURES

Evaluate engagement

Attribution and offer reporting are designed to help merchants understand campaigns and repeat engagement.

6 — RELATIONSHIP CONTINUES

Encourage another visit

Businesses can introduce future offers and keep a connection with customers without requiring a new pass for each merchant.

Enrollment and Apple Wallet pass issuance have been demonstrated. Merchant offer publication, claim/redemption tracking and downstream reporting are subject to each feature's live status and end-to-end verification; no increase in sales or customer return rate is guaranteed.

Explore WONWOW Pass → Explore WONWOW Offer →

PROCESSING COSTS • CUSTOMER-FACING FEES

Paying processing fees—or passing permitted credit-card fees to customers? Compare both.

WONWOW's wholesale-based approach is designed to find better payment economics for the merchant and, where permitted and supported, a lower credit-card surcharge for the customer. Businesses already using a surcharge company should compare the actual cost paid by their customers, not just the merchant's net expense.

Merchant absorbs today's payment fees

We evaluate whether the full processing cost—including network costs, gateway, transaction and monthly charges—can be reduced through approved payment pricing.

Merchant advantage: Potentially keep more revenue from each payment.

Merchant passes permitted credit-card fees through

We compare the existing surcharge percentage with a proposed compliant WONWOW fee model to see whether customers could pay a lower added fee while the merchant maintains suitable economics.

Customer advantage: Potentially pay less to use an eligible credit card.

Actual percentages are quoted only after reviewing the merchant's processing statement and authorized program. Surcharges are not permitted on debit or prepaid cards, even when run as “credit.” Credit-card surcharges cannot exceed applicable merchant costs, network caps or state-law restrictions. Visa's U.S. general ceiling is the lower of the applicable merchant discount rate or 3%; Mastercard's rules differ. Required notice and clear checkout/receipt disclosures apply.

Compare what your customers pay today → or call 303-641-9523.

Auto repair • Plumbing • HVAC • Electrical

How getting paid in the field can work

1 — JOB FINISHED

Present the invoice

Technician shows the approved total at the customer's home or jobsite.

2 — CUSTOMER PAYS

Tap, chip or secure link

Use an approved field reader or Tap to Pay for card-present acceptance; send a secure payment link for remote card-not-present collection.

3 — RECONCILE

Payment tied to the job

Once integrated and verified, confirmed transactions update WONWOW invoices and reporting.

Field Tap to Pay, VP3350 devices and automated invoice synchronization require confirmation of WONWOW's specific NMI / Fiserv North / Infinicept configuration. Card-present classification is not guaranteed to lower every transaction's cost. Text-to-Pay requires completed SMS integration.

Actual manufacturer device images

Field-payment equipment we're evaluating

See the mobile options under review. These are real product photographs, not a promise that each is certified or available for every WONWOW merchant.

TAP TO PAY
ON PHONE
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Tap to Pay

Compatible iPhone or Android device can accept eligible contactless payments without a separate reader.

NMI option • WONWOW processor-specific enablement pending

ID TECH VP3350

Compact reader for chip insertion, contactless tap and swipe. NMI documents Lightning, USB-C and Bluetooth variants.

Previous NMI device quote: $149.99 each

Actual merchant compatibility and costs pending confirmation

See NMI device documentation

Ingenico AXIUM

Dedicated handheld smart POS hardware for businesses preferring a separate company-controlled terminal.

Model, US integration availability and pricing unconfirmed for WONWOW

NMI device overview

Designed around your business

Auto repair

High-ticket work, invoice collections, shop visibility and repeat service.

Professional home services

Technicians, jobsite payments, customer-source tracking and repeat appointments.

Dentistry

Patient payment economics, local discovery and ongoing patient engagement.

Questions merchants ask

Do I have to replace my current processor?

Not necessarily. We evaluate both direct WONWOW processing and an additional payment route where compatible and permitted.

Does WONWOW guarantee a payout?

No. Eligible shared payment economics depend on transaction type, actual upstream costs and final written merchant terms.

Does WONWOW replace my existing CRM or POS?

Not automatically. We review your existing tools and compatibility before recommending an integration.

Is the consumer WONWOW Pass free?

Yes. The consumer membership is free. Merchant features and commercial pricing depend on the applicable agreement.

Start with a 15-minute conversation

Your payment relationship should do more.

Tell us how your business gets paid, how customers find you and what you want to improve. We'll explain which WONWOW paths currently apply to you.

Call 303-641-9523 Email for an introduction Request a merchant review

WONWOW INC • People • Payments • Possibilities • Infrastructure & trust