Best Cash management for multi-location businesses in USA

Overview

Carat Portal is a multi-service payment gateway, capable of processing credit card transactions, bank transfers, invoice generations, integration with mobile payment options, among other services that can be easily added to the platform. Carat Portal integrates anti-fraud solutions by including risk analysis on the payment process. Anti-fraud service is supplied by HTML Payment Interface and is integrated with several risk analysis institutions. Thus, in case merchant enables anti-fraud service, each payment only will be confirmed if the chosen risk analysis institution approves the payment.

Required credentials

Carat Portal has integration with many risk analysis institutions. Thus, the merchant can choose with who will do risk analysis. Once select the risk analysis institution, the merchant should contact this institution and ask for required credentials. Credentials can differ depending of institution. After that the merchant should send these credentials to Carat Portal support that will register this data. Anti-fraud service configuration on merchant’s payments only be possible after credentials registered on Carat Portal production environment. It is important remember to configure expiry time and the action that will be executed after that time expired. This configuration must be registered on Merchant’s Portal.

Restrictions

The anti-fraud analysis functionality can be used on the following Carat Portal interfaces: REST Payment, HTML Payment, REST Pre-Authorization, HTML Pre-Authorization, Payment link - Portal. For HTML interfaces, if payer, shipment, and billing_data are provided in the call, they are not requested in the checkout screen. For PRE-AUTHORIZATION transactions with risk analysis (anti-fraud) and not-SiTef routings, attention should be paid to the scenarios in which the risk analysis is carried out AFTER pre-authorization. In these scenarios, the pre-authorization transaction is confirmed regardless of the result of the risk analysis, and it is up to the merchant to decide - in light of the anti-fraud assessment - whether to effect its capture or not. The same is true for cases in which the risk analysis of the transaction is referred to a manual review by the anti-fraud institution. Therefore the risk analysis cannot be used with the features below: Recharge, Split. Because the nature of the flow, the payment methods below are not allowed to be used with risk analysis: Banco do Brasil, e-Commerce Cielo 1.5 (NPC), Itaú Shopline, MercadoPago, PagSeguro, PayPal.

• Anti-fraud analysis available on: REST Payment, HTML Payment, REST Pre-Authorization, HTML Pre-Authorization, Payment link - Portal
• Risk analysis cannot be used with: Recharge, Split
• Payment methods not allowed with risk analysis: Banco do Brasil, e-Commerce Cielo 1.5 (NPC), Itaú Shopline, MercadoPago, PagSeguro, PayPal

Debit Card

For payments made with a debit card, the anti-fraud flow with the flag after auth does not apply. It is important that the merchant sends as much information as he can when using Carat Portal's anti-fraud services. The quality of this information will directly and cumulatively affect the quality of the fraud analysis, bringing direct benefits to the merchant.

• Anti-fraud flow with the flag after auth does not apply to debit card payments
• Providing more information improves fraud analysis quality

Focus on making money, not handling it.

Smart safes for retailers. Cash processing for financial institutions. Turnkey solutions for everything in between.

BRINK'S TOTAL CASH MANAGEMENT

We consider the big picture—helping customers to reduce costs, improve access to capital, automate internal processes, and gain unprecedented visibility into their cash flow near real-time.

• Reduce costs
• Improve access to capital
• Automate internal processes
• Gain near real-time visibility into cash flow

Introducing Brink's Complete

Customized services for your specific cash management needs.

• Brink’s Complete for Retail
• Brink’s Complete Enterprise
• Brink's ATM Services
• Brink's Complete Teller
• Brink's Cash Vault Services

Ready to protect your assets?

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AI-driven transformative cash management platform

Sesami Enterprise Software (SES) is a truly transformative device agnostic cash management platform, with a single AI-enabled end-to-end suite of software, connecting customers to their cash ecosystems, tying together devices, applications, and software into a unified digital experience and delivering unrivaled ROI.

Unified cash management: Streamlining retail and financial operations

Sesami Enterprise Software revolutionizes cash management with AI-driven optimization and real-time insights, providing retailers and financial institutions a unified platform for efficient and secure transaction processing.

Open and Highly Adaptable

Securely and seamlessly connect all your devices, applications, and software so you can better manage your business from a single solution.

AI-driven Predictive Models

Accurately forecast your cash needs and optimize the entire supply chain of cash.

End-to-end Visibility

Provides financial institutions and consumer businesses control over the entire cash management process.

Cash Cycle Optimizer

Sesami’s AI-driven predictive analytics and business intelligence allow organizations to optimize their cash cycle management, ensuring that they maintain the right balance of cash availability and operational efficiency, leading to improved financial planning and reduced costs.

• Cost savings: Automated solutions reduce inventory and replenishment costs.
• Real-time tracking: Transparent, secure monitoring and tracking across the supply chain.
• Predictive forecasting: Advanced AI for automated forecasting and optimal planning.

Provisional crediting

SES integrates with banks and retail businesses to enable provisional crediting.

• Deposits and collections: Realtime information for transactions and collections are stored centrally.
• Bank interface: SES interfaces with the bank to send and verify provisional credit amounts.
• Reconciliation: SES interfaces with CIT to reconcile final cash counts.

Device Operating System Software

The Sesami device operating system license is included for all devices manufactured by Sesami. These devices are designed to integrate directly to SES and provide basic device level capabilities.

• Deposit, collection, and end-of-day operations.
• Float dispense and exchange operations (for recyclers).
• Real-time content status.
• Transaction reporting.
• Live custom fields for transactions.
• User Management.

Technical monitoring

Functionality provided from within the web portal to provide detailed information on the operational health of all devices connected to SES.

• Real-time technical status.
• Detailed event report.
• Preventive maintenance performance reports.
• Remote user management.
• Remote configuration management.
• Remote system, firmware, and application updates.
• Remote device logs management.
• Remote backup management.

Financial monitoring

• Reconciliation reports: Detailed reports for deposits, refilling, collection, and end-of-day activities.
• Real-time content status: Real-time accounting of the total amount of currency within the device.
• Automated in-store routines for start of day refilling and end of day (recyclers only).
• Denomination recycling statistics (recyclers only): Detailed analytics to optimize denomination levels.

Data connections to external systems

SES is designed to be highly extensible, allowing for the integration of third-party systems and devices. Client integration requirements are evaluated for technical alignment.

Customer Success

• Web portal for retail, banking, and CIT customers.
• Account profile configuration.
• Single entry point for all interactions.
• Financial monitoring, pre-crediting, reconciliation.
• Technical monitoring, customer reporting portal, operational reporting.
• Open service desk & help desk, mobile app for orders, deposits, maintenance.
• Contracts & agreements, billing, invoicing.

Cash and Value

• Commercial & branch orders and deposit processing.
• ATM envelope processing.
• Cash automation (kiosks & lockers).
• Cash device replenishment and residual services.
• Treasury management and forecasting.
• Suspect counterfeit items tracking and reporting.
• Real-time and itemized inventory tracking.
• Inventory management of remote locations.
• Coin pool management.
• Electronic check imaging and clearing.
• Bag tracking.
• Even exchange orders.
• Manifesting with 3rd parties.
• Client end of day balancing automation.
• Cash device integration.
• File ingestion and export.

Secured Transportation

• Secured transportation services.
• Multiple cash device services.
• Vault room logistics.
• Manifesting with 3rd parties.
• GPS truck tracking.
• Paper free solution for service execution (mobile app).
• Automated routing tool for maintenance.

Industries Served: Consumer Businesses

SES empowers retailers with an AI-driven platform that connects all cash management devices, enabling centralized control and streamlined operations.

• Provisional crediting integration.
• Real-time financial dashboards.
• Optimized cash flow and compliance.
• Enhanced productivity and operational flow.
• Advanced remote operations and maintenance.
• Maintenance cost-savings.
• Technical monitoring.

Industries Served: Financial Institutions

SES is an AI-driven, end-to-end solution for financial institutions, connecting devices, applications, and software for predictive analytics and planning.

• Cash Cycle Optimization.
• Predictive forecasting.
• Industry leading device compatibility.
• Financial transaction monitoring.
• Maintenance cost-savings.
• Technical monitoring.

SafePoint®

SafePoint® by Loomis is the industry’s premier cash-management solution. It combines cutting-edge technology with unmatched Loomis quality, service, and expertise, and is specially designed to cut costs, increase efficiency, and improve your bottom line.

• Simplify your cash management process
• Reduce cash handling costs
• Deposit cash without leaving the store
• Receive overnight bank credit for cash stored on site
• Access cash data and device usage remotely
• Reduce risk and increase security

SafePoint Includes

• Advanced proprietary Titan® smart safe technology
• Dedicated in-house IT development and customer support
• Real-time data and reporting tools with Loomis Direct portal
• Secure, state-of-the-art processing and CIT services

How It Works

SafePoint closes the loop in the cash-handling process. Once your cash is deposited and validated in the SafePoint Titan® smart safe, it is as good as money in the bank. Deposits are counted, logged, and secured until one of our secure armored transports comes to collect them. With Loomis Direct, our proprietary online account management solution, you can track and manage every step of the process safely and securely, 24 hours a day, seven days a week.

Service Overview

Enjoy more confidence and control when hardware, software, service, and security all work together in a single-source integrated cash-management solution.

ROI Calculator

Interested in cutting costs? Find out how much you could be saving with our SafePoint® ROI Calculator.

Closed Loop Cash

Your staff may never have to touch cash again. The Glory Closed Loop Cash automation solution removes the pains of manual cash processes, and delivers benefits to operations, staff productivity, and cash security.

Closed Loop Cash Recycling

Glory's CASHINFINITY solution is a configurable combination of enterprise software, hardware, and comprehensive maintenance and support services. Closed Loop Cash empowers our customers to effectively manage their front and back-office cash recycling needs within a closed-loop system. By implementing a Glory solution, you can ensure the security, accuracy, and visibility of your cash recycling processes, while maintaining and servicing all devices to keep them up-to-date. This holistic approach optimizes your cash management operations, providing significant benefits in efficiency and control.

Hardware and Software to Build Closed Loop Cash

Describes the main hardware components (CI-100X, CI-5, C27) and their roles in the solution.

• CI-100X Cash Recycler: High speed, large capacity cash recycler for retail.
• CI-5 Small Cash Recycler: Removes need for staff to handle cash at point of sale.
• C27 Cash-Enabled Self-Service Kiosk: Enhances efficiency and convenience.

CASHINFINITY™ Video

CASHINFINITY™ is an industry-leading modular cash recycling system, offering exceptional flexibility and scalability for retailers of all store sizes, business types, and investment plans.

Optimizing Cash

How does Closed Loop Cash work? When the solution is in place, customers put their cash into a recycling unit at checkout. The cash is validated automatically, and invalid notes or coins are rejected without hassle. Secure cassettes move the cash to the back office for banking or re-use. Cash recycling reduces optimizes Cash in Transit (CIT) services. Counting and handling are automated, preventing human errors and theft.

• Customers deposit cash at checkout
• Automatic validation and rejection of invalid notes/coins
• Secure cassettes transport cash to back office
• Automated counting and handling
• Reduces errors and theft
• Optimizes CIT services

Are you ready for Closed Loop Cash?