# PayWise Meeting - Island Finance Changes **Participants:** Ian Alleyne (PayWise), Pablo Esparza Jimenez (Coordenadas) **Topic:** Island Finance changes - walkthrough of the app/account and how the recent changes affect merchants. > Source: ``PayWise Meeting Transcript on Island Finance Chang.md`` (HTML live-transcript export, same format as the merchandising transcript). Cleaned, speaker-merged rendering. Raw transcript lines: 97, merged speaker blocks: 88. Note: 11 utterances were stamped with a drifted clock ("4:xx") by the transcript tool; they are normalized here to +30 minutes to match the correct "5:xx" series. ## Transcript **Pablo Esparza Jimenez** [5:01]: So, apparently. Installed now. Sign in. Let's use the credentials you gave me. One five nine? 486. One, two, three, four, five, six. It is a personal account. Okay, cool. **Ian Alleyne** [5:04]: Okay, all right, so? **Pablo Esparza Jimenez** [5:04]: What services do we have here? **Ian Alleyne** [5:04]: So, what I did? Well, so we have a lot of tests accounts. So I disabled all the test accounts. So, when I go inside, it's nice and clean. **Pablo Esparza Jimenez** [5:04]: Yeah, this one is much nicer. All right, it says. Financial Services, utilities, and the reason why it has a plus before the utilities for the the award utilities. **Ian Alleyne** [5:04]: Yeah, yeah, so you can record that so you can go all the way through. **Pablo Esparza Jimenez** [5:04]: There is also. That's fine, though. That's good. Um, let me record this. Yeah, let me do this recording here. Yeah. **Ian Alleyne** [5:05]: Go all the way through. **Pablo Esparza Jimenez** [5:05]: Should we show there? No, I think we should show them from the login just from **Ian Alleyne** [5:05]: Um, no, but maybe? **Pablo Esparza Jimenez** [5:05]: the home page. **Ian Alleyne** [5:05]: Um. No, I'm gonna show. Payward. **Pablo Esparza Jimenez** [5:05]: I mean, I just use a dummy link for now, I guess. And, you know, one thing, Ian, okay, here it is here. Never mind, I was gonna I thought you had removed the pay bills. I come from the services. Page, and you had only left it on the home page, but I see it's easier. It's **Ian Alleyne** [5:05]: No. **Pablo Esparza Jimenez** [5:05]: still there. That's good. Cool, all right. Yeah, I can do the recording here. It would look better actually. **Ian Alleyne** [5:05]: No, I don't know. Are you going to do a card first and then save the card? And then, when you go back the second time? You can use. **Pablo Esparza Jimenez** [5:05]: Oh, I could do a test. You said, you said it, any test card I could do it? **Ian Alleyne** [5:05]: Yeah. **Pablo Esparza Jimenez** [5:06]: Oh, there's already some test card. It has some test cards. **Ian Alleyne** [5:06]: No, yeah, yeah. Test cars on the accounts on the account. Yeah. **Pablo Esparza Jimenez** [5:06]: So I should be able to proceed. Let me let me, let me try. It's trying to try pay bills. **Ian Alleyne** [5:06]: No, no, no, no, no, no, no, no, that? Don't work out. No, it doesn't. **Pablo Esparza Jimenez** [5:06]: Final Finance one, two, three, four, five, six, seven, eight. Let's say we want to pay a hundred. This is a car loan. For example, I'll show them in the video that they could make it daily, weekly, monthly, or do not repeat only once. No. That don't work for cards. Okay, then I'll skip that all together, and I'll just show. Change the payment method to pay with card. Click on proceed. The customer bill number should be at least eight num. Okay, fine. to Judy bed that only centers and mobile app. Not the payways website. **Ian Alleyne** [5:06]: Yeah. **Pablo Esparza Jimenez** [5:06]: Let's add one more number. Proceed. Confirm details confirm payment. Slow down. There we go. Okay, it's asking me to enter a new card. It's not gave me the option to. **Ian Alleyne** [5:07]: You know? **Pablo Esparza Jimenez** [5:07]: Yeah. Didn't give me the option to to. **Ian Alleyne** [5:07]: No, no, no? **Pablo Esparza Jimenez** [5:07]: Just. Not through the POS website, but we can use. They can use this link in their account to put it on their own websites. Mmm, okay. Now regarding the changes so? Obviously, okay with everything. Identify the island Finance logo was also in my plans in the in the pay bills. Landing page. But I was sweat it after everything was approved. Okay. Yeah, jump right into the the used use. Payment screen. **Ian Alleyne** [5:07]: Oh, uh. No, no, sorry, yeah, yeah, sorry. Yes, sir, no, sorry, sorry. **Pablo Esparza Jimenez** [5:07]: Yeah, let me go back. **Ian Alleyne** [5:07]: Yes, that's correct because. **Pablo Esparza Jimenez** [5:07]: That's correct. Okay, okay. **Ian Alleyne** [5:07]: That's good, because yeah, um, the. Because if you're using utilities, then it will see in the car. Not for years. Yeah, what happens? We have a different, um. Color processor that we use for utilities, and they allow you to save your card, and so on, not. **Pablo Esparza Jimenez** [5:07]: Not loans. **Ian Alleyne** [5:08]: Not you, but I'll be changing very soon because we're switching to a new provider, maybe a number 3 months. So, we'll be able to save your card also. Um, if you want. Um. If you want, you can and. For, I think four and all ones. **Pablo Esparza Jimenez** [5:08]: Okay. This is the customer. Build number should have a minimum length of. And a maximum length of eight digits or characters. So, he's now he's not letting me proceed. One, two, three, four, five, six, seven, let's say, seven percent. No, okay. Proceed okay? You can only have a digit all right, okay? Now let's see 42, 42, 42, 42, 42. Free two, three, two, 42, 42. I don't know. This is the card name. And this is. Pedro Diaz. Let me put 42, 42. 32, 42, 42, 42, 42, 42, 42. Of. 32. One, two, three. Not a robot, cars, cars, cars. Verify. Submit. Okay, it says payment failed, but it most likely is due to the card. **Ian Alleyne** [5:09–5:10]: loan. Oh no, no, no. What car do you use? You have to use a specific number. **Pablo Esparza Jimenez** [5:10]: 42, 42, 42, 42, 42. to separate them into. Each topic into a separate. Newsletter, because right now, here we talk about. Things that you could do. They said they would like it to be to have. Feature in a set in its own separate. Uh, announcement basically. **Ian Alleyne** [5:10]: No, no, no, nothing. That's a fail. That's a fail used for all ones. **Pablo Esparza Jimenez** [5:10]: Four on all ones. Okay? **Ian Alleyne** [5:10]: Yeah, for all ones. Um. **Pablo Esparza Jimenez** [5:10]: One, two, three, four, five, six, seven, eight, say. We pay a hundred say, this is the car loan. No, only one say we pay with. Oops, say we pay with card proceed. And we confirm details. And we. Pedro Diaz. As the name, and then 41, and then just all ones, right? One, one one. There we go. Uh, future days. Whatever, whatever one, two, three. Not a robot. We have to select cars cars. No, that's the bus cars cars. **Ian Alleyne** [5:11]: Expire every date 12, 26. **Pablo Esparza Jimenez** [5:11]: Verify. Submit. **Ian Alleyne** [5:11]: Um, cvv123. **Pablo Esparza Jimenez** [5:11]: No, I I got through. Oh, it had to be specific. Okay, yeah, cuz I, I mean, I know, normally, it's just a future date and any three numbers cool payment successful. That's true. **Ian Alleyne** [5:11]: And what? **Pablo Esparza Jimenez** [5:11]: Payment successful? Yeah. **Ian Alleyne** [5:11]: Okay, excellent. Yeah. **Pablo Esparza Jimenez** [5:11]: And those redirected me. Paid successfully to Island Finance. Return home! Perfect! Awesome! I'll I'll do a video from here from this one. **Ian Alleyne** [5:11]: Yeah. **Pablo Esparza Jimenez** [5:11]: I just have to remember is eight digits for the customer number and. **Ian Alleyne** [5:11]: Um. **Pablo Esparza Jimenez** [5:11]: Uh, four and old ones, which is much easier actually. **Ian Alleyne** [5:12]: Another thing is. You can talk to Phil about this, but we want to do a post. Okay, so the the Genesis behind the post is, is this, I mean, our competitor? Has a major problem. Um. Their customers. They pay late. People find it very have to wait long for their money. Okay, so we want to leverage that. **Pablo Esparza Jimenez** [5:12–5:13]: This one, um? Is the only question I had to you. I think that I thought this was the reason why you wanted to to discuss these changes. Um, if you wanted to add a link to their website or from our website. That's the only. People, sorry people. What? **Ian Alleyne** [5:12]: People. Afterward, very long to get their money. **Pablo Esparza Jimenez** [5:12]: Okay. **Ian Alleyne** [5:12–5:13]: Okay, so we want to leverage that. Right? We want to. Uh, meals that has a means to attract their customers. Okay, but we don't want to be direct. Okay, we don't want to be direct. Okay, so we were talking about it last night, and Phil suggested we use. Um, attack land like, um. Get real-time payments. Behind, that is. Yes, you can get real-time payments, but you can get real-time payments if the payment is Cash at an agent. So that's, but I want to talk to him about that. **Pablo Esparza Jimenez** [5:13]: Hello! Hello, yep. **Ian Alleyne** [5:13]: For card payments. You have to wait 2 days to have access to the funds. **Pablo Esparza Jimenez** [5:13]: Oh yeah, I'm sorry, I think yeah. **Ian Alleyne** [5:13]: So we hold the funds for 2 days for the funds to clear the back. **Pablo Esparza Jimenez** [5:13]: I think we, we. Oh yeah, okay, okay, yeah, yeah, I, I froze, then sorry. **Ian Alleyne** [5:13]: Yeah, papa. Yeah, I mean your frosting for our life. **Pablo Esparza Jimenez** [5:13]: You were saying? **Ian Alleyne** [5:13]: Okay, so I'm saying that. So? We. We want to leverage or capitalize on the fact that their customers are discussed. They're satisfied because they have to wait too long for their money. We can use the caption you want to use a caption, like, get payments, get real-time payments. Quit pay wise, okay! Get real 10 payments with paywise, um? Yo! Your pairwise, your e-commerce platform. Okay. All right, so something that something like that now? Good real-time payments with POIs. We have three types of payments. We have card payments. Where you have to wait two days to get access to the funds, because with all the funds declare the bank for two days. Have cash payments, which you can get immediately. And wallet to wallet payments, which you can get immediately. So, for the cash payments. And they wanted to wallet payments. Those two are real-time. The complement is two business needs, but it's much shorter than the time. Persons have to wait to get their money from the competitor. They have to wait maybe 7-10 days to get their money. All right. **Pablo Esparza Jimenez** [5:13]: Eliminate the fee question. And that was. **Ian Alleyne** [5:14]: She also spoke about. Or having a video. **Pablo Esparza Jimenez** [5:15]: I remember, yeah. **Ian Alleyne** [5:15]: Right, um? So, we wanna have a post. Speaks to that, but not directly so we can tout real-time payments with us. Okay, right? But when they call and the sign of them, we could, um. Fully explain what we mean by that. Okay, but it's still much better than what they get right now. Okay. **Pablo Esparza Jimenez** [5:15]: Doesn't it show? Sorry when you click on in your home page when you click on your fonts. Definition on the on hold balance those payments. **Ian Alleyne** [5:16]: Yeah, it shows. Yeah, yeah. **Pablo Esparza Jimenez** [5:16]: Okay, I mean to me that that is immediate. I mean, maybe it's not available, but it's immediate. Honestly, that is exactly what PayPal does. Same thing happens in people, especially when you when you overcome certain **Ian Alleyne** [5:16]: Okay. **Pablo Esparza Jimenez** [5:16]: threshold payments. The the whole certain payments is there, but like, you can't use it until certain date. **Ian Alleyne** [5:16]: Yeah. **Pablo Esparza Jimenez** [5:16]: So, I think it's fine, um. Cool! **Ian Alleyne** [5:16]: Say to talk to Phil about refining that, and then we can finalize it. **Pablo Esparza Jimenez** [5:16]: Let me take a hold on. Let me let me copy this transcript one time. **Ian Alleyne** [5:16]: Because we think, because, um. We think we can get. Definitely a lot of um persons. Joining us because of that factor. **Pablo Esparza Jimenez** [5:17]: Yeah. Cool, let me. That, and we should. I think I don't know what do you think, but I think we should do. We're at the stage where we could do some Billboards in the highway. **Ian Alleyne** [5:17]: Humongous. **Pablo Esparza Jimenez** [5:17]: Because what 20,000 to 24 a year? Yeah. **Ian Alleyne** [5:17]: Yeah, yeah. Yeah, yeah, I mean. And for me. I mean, I think it may be worthwhile if I just. May we speak to? One of these people. Some property owner. Maybe a five grand? Seven gram. Ureth, nothing, and do it myself, because that's what that is, really, you know? **Pablo Esparza Jimenez** [5:17–5:18]: Okay. Accounts. Switch account marketing. Stories. Nope, oh yeah. In. Okay, it's installing. Look for the credentials. It must be waste. Okay, got through. Nice. Nice, nice, nice. Okay. Services. Place. Some of the payments would be created within 24 hours. Financial services. Iron Finance. Here it is. Okay, I found it. I learned Finance. Um. And in the number. Okay. The customer bill number should have a minimum of a fix. Okay, um, yeah, it's. It's easy enough. It's just that I don't have a real customer build number, so it says customer build number not found. I could do the video for her, but you won't be able to. **Ian Alleyne** [5:18]: It's a lot of money.