the number of fuel retail outlets, especially in the Tier 3 and Tier 4 cities and rural areas, which are less
saturated and comparatively underpenetrated. POS penetration will also receive a boost from the adoption of
value-added service offerings by OMCs at their respective outlets.

AGS Transact offers a host of value offerings unique in the market, offering flexibility while catering to
customer needs with great precision. Some of its unique offerings are as follows:

¢ End-to-end presence in POS value chain with in-house capabilities: ITSL offers a holistic value offering
with a wide range of services such as transaction processing switch, merchant onboarding application, risk
underwriting, merchant servicing, loyalty and analytics solutions. ITSL was among the first companies in
India to launch QR code-based payments for various card schemes.

¢ Control over hardware and technology: ITSL has complete control and autonomy over its technology and
can hence make continuous modifications to allow it to keep up with the changing needs of the market,
offering extreme adaptability.

« Smart Integrated POS machines: ITSL’s POS machines accept all modes, including closed loop cards,
UPI and QR@POS, thus eliminating the need for OMCs to have multiple POS machines.

¢ Rental Freedom Plan: To ease the recurring payment process for merchants and to cover its own risks,
ITSL offers a rental freedom plan where merchants pay rent for the POS upfront for a few years. This helps
circumvent losses due to low activation, if any.

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