Plutus – a Point-of-Sale credit/debit data capture and authorization software for Windows™ and Linux based PCs and POS systems. Plutus utilizes existing PC equipment and infrastructure to bring credit card processing functionality to the merchant’s Electronic Cash Register.

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PLUTUS – an innovative payment solution for Retail
Plutus is a Point-of-Sale credit/debit data capture and authorization software for Windows™-based PCs and POS
systems.
It utilizes existing PC equipment and infrastructure to bring card processing functionality to the Electronic Cash Register.
It replicates all functions conventionally provided EDC terminals, as well as additional value-added features.
Plutus provides card acceptance for any Visa, Mastercard and American Express debit and credit card.
Some of the advantages of Plutus are:
Plutus reduces the merchant’s cost of accepting cards
Plutus streamlines store operations and accelerates check out
Plutus simplifies backend accounting and monitoring operations
Plutus provides superior security in card acceptance
Plutus provides several value-added features in a single, integrated POS application
Plutus is certified by Axis Bank, American Express, ICICI Bank, HDFC Bank, Citi Bank, Global Payments for HSBC Bank.
In combination with a PCI compliant Pin Pad, Plutus is also certified for EMV transactions.

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Plutus: How it works
• Solution runs on existing PC-
based POS
• New merchants install Plutus
via CD and guided
installation interfaces

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Plutus Features Summary
• Axis, HDFC, ICICI,
HSBC, Citi bank, State
Bank of India (SBI)
• American Express
• PCI-PADSS,
• PABP
Certified by major Bank
Acquirers, and Visa
• Credit / Debit
• Pin-based (Maestro)
• EMV
• Mobile
• PPC/GV
• Contactless
• EMI transaction
handling
Accepts all payment
instruments
• 3DES data encryption
from swipe
• User access
management
• TID licensing and key
management
• Input device control
Best-in-class security
features
• Plutus Multi-acquirer -
route transactions to
preferred Acquirer (least
costly acquirer)
• Plutus Secure - Bank-
certified internet
connectivity
• Transaction
Reconciliation - central
data warehousing &
management
Value-added features
• Higher security
• Flexible connectivity –
Internet, CDMA, GPRS,
VSAT, VPN
• Integrated with Biller -
No manual entry
(Amount)
• Touch Screen enabled
• Batch reporting
• Supports split
transactions
Only PC-based product -
replaces EDC
• Card readers - MagTek,
AMDL, Verifone,
Ingenico
• Bar code scanners
• PED
• Smart Card reader
• Printers - OPOS,
Windows
Integrated with leading
POS peripherals

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Key value drivers of Plutus - At A Glance
• Replace EDC terminals
• Eliminate dial-up charge for cr/dr transactions, and landline charges for each EDC terminal
• Switch to always-on, high speed internet processing
• Remove counter clutter
• Streamline operations at the POS
• Reduce need for cashier training
• Automate data entry by integrating Biller and cr/dr payment transaction
• Eliminate cashier manual data entry, and increase transaction speed
• Centralize transaction routing
• Eliminate cashier decision-making
• Extract favorable MSF terms from Acquirers for high transaction volumes
• Change routing rules (Acquirer strategy) centrally at the touch of a button - no retraining of
cashiers required
• Transaction warehousing and management
• Digitize & automate reconciliation of POS settlement and Acquirer payment advice
• Leverage rich MIS, including Acquirer-level transaction analysis and quarterly audit reports
• Centralize POS-level alerts, e.g., unsettled POS
• Save cashier time
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Advantages of Plutus over EDCs
EDC Functionality Plutus Scenario
•Every Cashier counter must have EDC •NO need for EDC - Plutus is a software
application which can run on any Windows
based PC or PC-POS
•Every EDC must have PSTN telephone
line
- Assuming Rs 1 per call, and 2000
transactions per month in each
store
- Plus Rs 150 for landline rental for
each EDC terminal, and 3 EDC
terminals per store
- => Monthly telco costs are Rs
2650
•NO need for PSTN lines - Plutus can support
transaction processing through existing
broadband connection
•To make transaction secure and acceptable
to Visa / Master and AMEX, Plutus comes
with PA-DSS approved VPN connection
- Rs 150 for Secure VPN Plutus connection
for 3 POS = Rs 450
- Plus monthly internet cost of Rs 200
- => Monthly telco costs are Rs 650, a
savings of Rs 2000 per store per month
•In case of acquiring by multiple banks,
multiple EDCs required at every till,
resulting in clutter
•All acquiring banks are available in single
application
•Axis Bank, ICICI, HDFC, Citi, HSBC, AMEX
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Plutus streamlines operations at the POS
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EDC Functionality Plutus Scenario
•EDC cannot be integrated with biller
applications on POS
•Intuitive Windows-based interface limits
training of cashiers and reduces human error
•Can be easily integrated with any biller
application, using Windows based COM API
•Workflow automation reduces overhead,
speeds time to resolution
•Cashier manually enters amount in
EDC, leading to data entry errors
•Transaction Amount is passed by biller directly
to Plutus. No data entry possible
•EDC dial up is slow, resulting in
longer queues
•Faster transaction times through automation
and faster connectivity reduces queuing time

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Centralized transaction rules for optimized acquiring strategy
EDC Functionality Plutus Scenario
•Manual decision by cashier to select
most optimal acquiring bank (for
example, lowest MSF rate)
•Plutus selects Acquirer based on rules
•Rules are set centrally at HO - not by the
cashier, creating real savings on MSF rates
•Limited ability to enforce complex
rules - based on cashier’s judgment
•Complex rules - for example, on-us versus off-
us optimization; time-based; default acquiring
- can be set using intuitive interfaces
•Cashier training is required to route
transactions to most suitable
acquiring banks
•No cashier training required
•Rule changes are propagated in real-time in
the field
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Eliminates Paper-based reconciliation
EDC Functionality Plutus Scenario
•Each transaction is deleted upon
settlement
•Transactions can be stored in TRM for whatever
period required
•Centrally accessible user interfaces render
transactions volumes, settlement and
reconciliation status and allow users to search by
zone, store, POS, transaction, etc.
•Settlement is controlled by
cashier, and often overlooked -
payments are settled late
•Central user interfaces show alerts for unsettled
batches
•Reconciliation between
settlement reports and banks’
payment advice is manual and
labor intensive
•Reconciliation of each batch with bank’s payment
advice is automatic
•Disputes are flagged and entered into work flow
for easy resolution
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Plutus Transaction Reconciliation Management - TRM
• Settlement not tracked by POS –
can’t ensure daily closure
• No central aggregation &
warehousing of Credit Card
transactions
• Paper-based, manual
reconciliation
• Manual dispute resolution
workflow
• MSF rate not displayed to
cashiers, making it difficult to
reconcile payment advice
• Lack of MIS reports, especially
lack of monthly/quarterly closure
• No POS-level alerts
• Credit Card transactions cannot
be searcher/queried easily
• Central aggregation of credit
card transactions
• Facility to upload digital bank
Payment Advice file
• Unsettled terminal alerts
• Automatic bank reconciliation
and transaction dispute
management
• Search & query functionality on
central server
• Rich MIS
• Financial closures
• Proactive Alerts for better
operational efficiency
Challenge Solution
Transaction Reconciliation Management Module

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TRM centralized payment advice reconciliation & workflow tools
• Centralized reconciliation of settlement and payment advice
• Digitization of statements
• Integration into automated accounting and dispute resolution workflow
1.Frees up
cashier’s time
2.Eliminates
manual errors
3.Speeds
quarterly
audits
Transaction Reconciliation Management Module

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Transaction Reconciliation Management
Innovation: automation of transaction reporting and
reconciliation streamlines your backend operations
Payments
User permission
based access
View any batch
details / transactions

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Transaction Reconciliation Management
Innovation: automation of transaction reporting and
reconciliation streamline your backend operations
Payments
Retrieve and view
charge slip on
screen
And
Much more…

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Security: current POS devices & networks are insecure
Component Security Concerns
POS device •Track data encryption from the point of card
swipe
Dial-Up
connectivity
•“Sniffing” - credit card data is transmitted in plain
text and can easily be intercepted
CDMA, VPN
or VSAT
networks
•No end-to-end security - reliant on retailer LAN to
secure data at POS before transmission outside of
store
Storage •Sensitive data resides in central data, providing
hackers with a single point of attack - “jackpot”
scenario
Business
processes
•User access poorly controlled, allowing capture of
credit card data
Plutus Secure Module

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Our Contact Details
Sanjeev Sharma
sanjeev@singularityretailsolutions.com
91 9818596889
http://www. singularityretailsolutions.com
We would be more than happy to demonstrate
the solution and offer a FREE trial