CashBox supports many methods to help your acquisition: from promotion management, to packaging and bundling products, or up-selling and cross-selling. This is in addition to including the most popular payment methods and being able to conduct business in every global region, in localized languages and currencies. Finally, we apply our billing and marketing best practices to your business model to help you drive higher acquisition and revenue.

CashBox uses proprietary Advanced Retry Logic, localized and automated customer communications, and integrated Account Updater, account modifications, proration capabilities, and marketing best practices. Together, these consistently add retention of up to 10% to our clients.

Our CashBox SaaS billing and marketing solution is flexible and powerful. It grows with your online business and can handle infinite business models from subscription to microtransactions to freemium to hybrid models. CashBox also allows you to expand your business globally with localized communications and currencies for every global region. Additionally the proprietary Advanced Payment Retry Logic built into CashBox drives up customer retention by at least 10% for our clients.

Vindicia’s CashBox solution is designed to be scalable with our growing clients in mind. Whether you’re going from local to global, or adding new models, like subscriptions, microtransactions or freemium to your business, CashBox handles all kinds of transactions smoothly and accurately. In 2010 alone, we handled over $2 billion through our system. In addition, we support pre- and post-paid business models including subscriptions, metered usage, pricing tiers, one-time purchases, invoicing, virtual goods, virtual currencies, loyalty programs and more.

CashBox is business model agnostic. It supports merchants across a wide range of digital markets and business models, and many of our clients have used CashBox to easily handle business model changes to account for changing market conditions. CashBox also helps expand business globally, allowing you to localize offers and handle localized currencies and taxes through the CashBox Global Tax Engine. We also provide additional CashBox support and resources that advise you on how to maximize your customer retention and acquisition rates.

CashBox supports having free periods anywhere in the billing plan, including the entire plan. For example, CashBox can support a subscription with a free first period, or a "buy 3 get 1 free" model. Merchants can also use CashBox to send email notifications to customers who are about to either end their free trial (reminding them they will be billed with the details) as well as customers who are about to reach the end of their subscription (offering a chance to up-sell or cross-sell to another offering).

CashBox StoreFront enables online merchants to support the full customer acquisition, management, billing and retention cycle for digital content and services. It provides a set of customer-facing Web pages for people to browse products, manage a shopping cart, select a preferred payment option and pay for products. From the merchant perspective, CashBox StoreFront provides the flexibility to support multiple business models by providing a set of customer-facing Web pages for people to browse products, manage a shopping cart, select a preferred payment option and pay for products.

CashBox StoreFront is tightly integrated with CashBox. Transactions that are initiated on CashBox StoreFront are securely transmitted to CashBox which then creates the customer account, manages the billing process, and supports ongoing retention of and communication with the specific customer.

No, merchants interested in CashBox StoreFront must also purchase CashBox. CashBox is the underlying SaaS solution that manages the billing and retention of customers who buy products, content and services offered, promoted and displayed through StoreFront.

Yes, existing CashBox clients can purchase CashBox StoreFront.

CashBox StoreFront provides a compelling solution for companies who don’t want to build their own storefront and seek a solution that can easily manage the definition of products, creation of pages, prices and promotions, and the uploading of content and images. In addition, CashBox StoreFront provides a number of unique attributes including:

• A high transaction acceptance rate that is positively impacted by Vindicia's retry and retention logic
• Integration with best of breed payment processors to ensure timely reconciliation and payment transfers
• A broad array of payment method support including credit cards, debit cards, PayPal, European Direct Debit, prepaid cards, and regional payment methods as well.
• Minimizing or eliminating the costs associated with PCI
• The ability to transact globally leveraging a wide variety of currencies, payment methods and sales tax regimes
• A global tax engine to support acquiring customers worldwide

CashBox StoreFront completely offloads the PCI compliance burden from the merchant onto Vindicia while still providing merchants with the ability to completely control the content, layout, and general architecture of specific web pages.

CashBox StoreFront is a SaaS application.

Yes, you can certainly use your own storefront, whether homegrown or a packaged application that will integrate via our APIs to CashBox.

CashBox uses a number of techniques to screen for fraud. We use IP geolocation, proxy detection, BIN validation, an address verification service, and black/white lists. Additionally, because we have hundreds of millions of transactions in our system, we’re able to cross-reference data across our network of merchants to determine probabilities for a potential fraudulent transaction.

For digital merchants, the cost of a fraudulent transaction is significantly lower than the cost of a false positive. The risk scoring inside of CashBox is able to calculate the overall probable risk of chargeback for each transaction throughout the screening process. We help our merchants strike that delicate balance of fraud screening allowing for an aggressive customer acquisition strategy while still managing fraud to appropriate levels.

True fraud is where fraud is committed with malicious intent. For example, when a credit card is stolen and then used to make unauthorized purchases, it is considered true fraud.

Friendly fraud is where a customer uses their credit card to purchase a good or service, and then issues a chargeback for that transaction. This could either be deliberate or accidental. Often times, the customer may not recognize the charge on their credit card statement, thus resulting in a chargeback.

We work with our merchants to strike a balance between customer acquisition and their chargeback rates. We accomplish this through our CashBox ChargeGuard solution using fraud screening for an upfront chargeback probability score and dispute resolution, which involves automation and leverages Vindicia’s Client Services Team.

We have a dedicated team that analyzes and fights chargebacks on behalf of our clients. We look at a number of factors to determine if a chargeback is friendly fraud or true fraud. Many chargebacks are friendly fraud and winnable if you have the right resources.

Yes. Vindicia supports virtual currencies as well as micropayments used with those virtual currencies.

Yes, CashBox supports all types of in-game transactions including the explicit puchase of virtual currency and/or the spending of that virtual currency on specific items. Vindicia can support a wide variety of business models in the context of the in-game transactions across a global set of actual currencies .

CashBox supports a broad range of payment methods including credit cards, signature debit cards, ACH, PayPal, pre-paid cards, and regional payment methods such as Boleto Bancario in Brazil and European Direct Debit. We continually expand this list based on client requests and as additional new payment methods become relevant.

Yes. We accept currencies from every global region, and the CashBox Global Tax Engine is capable of calculating and handling global taxes including various US state tax regimes as well as VAT, HST, and others.

Yes, Vindicia provides native support for parent-child accounts with CashBox.

Yes, CashBox can handle print/digital bundles in which customers are entitled to both a digital subscription as well as access to a physical product where CashBox would integrate with a fulfillment center to distribute that fulfillment product.

Yes, Vindicia is able to support revenue share arrangements in a variety of markets.

Yes, CashBox supports a wide variety of software businesses, including direct-to-consumer, SaaS, PaaS, and B2B.

Yes. CashBox can handle metered usage billing.

Yes. CashBox supports both pre- and post-usage billing.

Yes. CashBox supports downloads for merchants with subscription, one-time payment, freemium and hybrid business models.

A virtual currency is a currency designed for games, online communities, online content, social networks or dating sites. It is purchased by using real money and redeemed by purchasing virtual items involved with games, communities, content or social sites.

Microtransactions are low dollar-value transactions. Visa defines a microtransaction as anything less than $20. However, with the rise of virtual items and paying for online content, this amount has been lowered to transactions of $1 or less. This type of transaction increases transaction fees and increases cost to merchants. Using virtual currency and integrating eWallet technology to bundle customer purchases into larger transactions can lower your transaction costs, saving you money.

Virtual currencies lower transaction costs for merchants. Merchants can sell higher value blocks of virtual currency that can be used for bundles of microtransactions, instead of processing real currency for each individual microtransaction. This lowers the number of transactions you are paying to process, while also increasing the amount spent by your customer.

An eWallet is much like an actual wallet—it keeps your customer’s currency in a bundled virtual form and allows them to purchase virtual goods with this virtual currency. This way, you can process a single larger transaction versus processing multiple smaller transactions. This gives customers the opportunity to pay you a larger amount and then decide what to buy with the credits later. Integrating eWallet technology will save you a lot in processing fees for transactions under $10. CashBox supports eWallets and can manage your customers’ balances.

Yes. We support virtual goods, in-game currency or tokens, microtransactions, and easily increment and decrement inventory levels based on the Vindicia Token Engine .

Vindicia takes privacy very seriously and is PCI DSS Level 1 compliant and audited for SSAE-16 (formerly SAS-70) compliance. We also have backup servers off-site in the event of a natural disaster or unforeseen circumstance.

Being PCI compliant means compliance with Payment Card Industry standards. The Payment Card Industry set up Data Security Standards (PCI DSS) to help PCI organizations processing card payments in preventing credit card fraud. Organizations dealing with sensitive credit card numbers and information must be PCI compliant.

SSAE-16 (formerly SAS-70) is an auditing statement providing guidelines to service auditors when auditing internal controls of a service organization. Because we use strong encryption protocols certified to FIPS 140-2, and we are SSAE-16 (formerly SAS-70) audited, it eases Sarbanes-Oxley compliance for our merchants.

Vindicia provides role-based access control to the portal so that different people have access to different capabilities. For example, customer service representatives may be able to update customer billing information but will not be able to edit billing plans.

We will use your customers’ data primarily for calculating ROI and business reviews for you. This information will help you and us find ways to increase your customer acquisition and retention which will in turn create longer customer lifetime value and higher revenues for you.

We allow for data migration through a bulk data import or through our API. In this case, as the merchant, you would need to work with your current PCI compliant solution to verify the data can be transferred. (Remember, while some companies don’t allow this we believe your data is yours and allow transfers to other PCI compliant solutions if needed.) If the data can be transferred, we will work with you to get your customer data transferred into our system, and have done so with numerous clients.

No, CashBox is not a payment processor or acquirer.

An account with a payment processor is needed to provide the infrastructure for transaction billing, customer support and billing on behalf of acquirers. (See Acquiring Banks) http://www.vindicia.com/products/subscription_billing/ecosystem.html

The following image lays out how money processes from the customer to your organization: http://www.vindicia.com/products/subscription_billing/ecosystem.html

A gateway provides a connection to a merchant's payment processor. CashBox has a built in gateway so you don’t have to purchase a separate gateway service.

Vindicia supports Chase Paymentech, First Data, Global Collect, Litle, and Merchant e-Solutions, in addition to alternative payment methods such as PayPal and Incomm pre-paid cards.

The following visual lays out how the CashBox solution fits into the payment flow: http://www.vindicia.com/products/subscription_billing/ecosystem.html

When a user or customer purchases something on your site, CashBox handles the transaction and subscription securely, then sends it to the payment processor.

A subscription is a recurring bill – since our solution is flexible, our clients’ billing cycle is customized to fit what makes sense for their business model and scaling strategies. While some merchants bill monthly, others bill yearly, and still others may bill weekly. The CashBox solution also supports having free periods anywhere in the billing plan.

CashBox offers superior and proprietary Advanced Retry Logic and integrates seamlessly with Account Updater. When both are combined, this adds up to more successful transactions, longer customer lifetime values and more revenue for our merchants.

Yes. CashBox supports free periods anywhere in the billing plan, including across the entire plan. For example, CashBox can support a subscription with a free first period, or a "buy 3, get 1 free" type of model. Vindicia clients can also use CashBox to send email notifications to customers who are about to either end their free trial (reminding them they will be billed with the details) as well as customers who are about to reach the end of their subscription (offering a chance to up-sell or cross-sell to another offering).

While there are a number of variables affecting customer retention, our clients often see at least a 6-10% increase in their customer retention rate immediately after implementing CashBox. Within subscription or recurring billing environments, this can have a significant impact on a revenue and profitability basis.

Above and beyond native support for Account Updater, CashBox has built-in and proprietary Advanced Retry and Payment Logic. This allows customization of card retries in order to achieve superior successful transaction rates and has resulted in higher revenues for our merchants. We also provide merchants with our best practices surrounding retention by integrating them into the CashBox solution. When both the Advanced Payment Logic and Marketing Best Practices built into CashBox are combined, they result in higher revenues for our merchants.

Yes, Vindicia supports proration in the form of upgrades, downgrades, and sidegrades into different plans.