isv merchant services. Find out how we can change your business! Within the payment industry, VAR model emerged as the product of ISO evolution. isv merchant services

 
 Find out how we can change your business! Within the payment industry, VAR model emerged as the product of ISO evolutionisv merchant services Programs & Services

Brian Hardy. Podcast: Play in new window | Download The year 2023 is poised to see significant evolutions within the payments landscape. For assistance in other languages please speak to a representative directly. Square: Best For New Startups. We offer everything merchants need to help serve your customers better, grow sales and simplify the way you run your business. Stax works on a shelf system and the monthly cost is based on your annual income. Bank. Specific to each ISV, Merchant and Lane 16 Char ASCII id Cloud ID returned after push function is performed. You can provide your merchants their own online merchant reporting portal which supports online services and helps you communicate to your. #isv #Nuvei #paymentprocessing #paymentsolutions #fintech #iso #. In the competitive merchant services market,. Extend your ERP suite with our extensibility tools. and center the need for merchant acquiring companies to update and differentiate their service offerings. Our full-service platform can give you everything you need to build, manage and deploy payments that fully integrate into your software solution. Monthly fees. by Don Apgar. On your merchant statement - Check the top right of your merchant statement from your MSP. New Opportunities for Growth. Digital ordering and delivery management. ISOs. The key aspects, delegated (fully or partially) to. 8335 ext. This ISO and ISV ecosystem has thrived in the U. Countertop terminals that accept all payment methods, including EMV, chip and PIN, NFC/Contactless, and magstripe. 7800. We help you to evolve payment technology performance faster and simpler. Accommodate your business growth and manage customer interactions with a virtual merchant account by CardConnect. CDGcommerce: Best For eCommerce Startups. Take payments on the go with our 100 percent mobile system. /command Assigned ID of the POS and Payment Terminal pair- 16 digits Type of transaction. This product replaces the older Intuit QuickBooks Point of Sale Pro. To learn more about where the payments industry is headed and what businesses need to know during this digital transformation, PaymentsJournal sat down with Jarrod Newman, Director of ISV and Channel Partnerships at Blackhawk Network; Dan Coates, Solution Evangelist at ACI; and Don Apgar, Director of Merchant Services. Compensation/Benefits: Competitive Base Salary + uncapped commission = $200K+ Low risk to high-risk Business to consumer, B2B or Business to Government. The price starts at $99 per month for companies with an annual income of up to $250,000. Our Registered DBA and ISO programs can get you up and running in as little as 2 weeks, saving you thousands of dollars in card brand registration fees in the process. This is where a business customer adds an ISV’s software as an essential add. That’s because becoming a payment facilitator is a long and costly process for ISVs, Abernethy said. 49% fee plus the transaction fee. Per the map, US merchant services revenue in 2021 comprised fees from processing, point-of-sale transactions, terminal sales, and terminal leasing. An independent software vendor, or ISV, is an individual or organization that develops, markets, and sells software solutions that run on one or more computer. Many or all of the products featured. NMI | 28,568 followers on LinkedIn. Regardless of the way you process payments we are passionate about creating cost savings and efficiencies for your business. The software might provide a. Our all-in-one role based merchant portal gives you access to real-time data. 9 Best Merchant Services of November 2023. In 2022, we are deepening our commitment to our ISV partners’ success by: Making significant investments in new Google Cloud Marketplace functionality, including adding new technical resources that will help accelerate how ISVs distribute their apps and solutions. Hamilton Ave. Typically, you can generate this recurring revenue stream in one of three ways: Agent partnerships – In this model, you would be in charge of sales and onboarding. The core of their business is selling merchants payment services on behalf of payment processors. Stax works on a shelf system and the monthly cost is based on your annual income. PaymentCloud: Best For High-Risk Businesses. The exclusive source for Now Certified enterprise workflow apps from partners that complement and extend ServiceNow. This is a Node. Our next-generation credit and risk technology is built to support merchant onboarding and dynamic, in-life management, offering continuous automated customer credit and fraud risk assessment on both hard and soft measures. Importantly, the number of global contracted merchant locations in 2019 expanded by. PSPs can offer big data that can provide merchants with key insights into customer behavior, such as how buying habits are affected by the weather and at what time of day sales increase for. #automation #merchantboarding #merchantservices #isv #partnerprogram #. 04/25/2022. Merchant Card Processing Operating Guide v7. Providing merchant services to allow small merchants to receive and process customer payments; Commercial banking. Operate in over 36 countries, supporting partners and their customers’ needs for omni-commerce payments. Point of Sale. In other words, the customer will receive beneficial payment services in software packages ISVs provide. Our CardConnect Partner Program deliver Agents and ISOs the best possible chance to increase their sales revenue with superior processing. Under Installed > Dynamics 365 Items, choose Configuration. Show Summary. payments@payliance. New ISV/Dealer sales, maintain and manages Agent portfolio consisting. 5-star Support Talk with Sales Partner Now Community Careers Help Center System StatusAn ISV (independent software vendor) is a role that helps merchants develop and manage mini programs under the authorization of merchants. With reliable customer service and a user-friendly platform, your merchant services provider becomes a partner. Payments companies raised more than 40 funding rounds of $100 million or greater in 2021, according to S&P Capital IQ Pro. 9681 partners@payliance. We also provide payment processing solutions including ATMs, electronic checks, gift cards, and bill payment to set your business up for success and establish a thriving impact for years to come. (NASDAQ: EVOP) is a leading payment technology and services provider. The ISV will also do KYC on the business and provide the merchant with a merchant account for payment processing. Customizable Merchant Services Agent Program designed for independent sales organizations who want to build a more profitable business. Merchant. With a potential for 10's of Trillions of Dollars in payments to transact through ISVs it's kind of a big deal. IRIS CRM. Solutions Overview Retail Restaurants Hotel & Hospitality Nonprofit. Integrated software vendors (ISVs) have been grabbing market share with software-driven, digitally savvy, point-of-sale solutions that. We work with each ISO. 866-945-8964. Our support team is standing by. and across the globe. com;ISV is a common acronym for independent software vendor. Therefore 60% of SMBs opt for an ISV’s own payment processing option. Exclusive credit card processing rates: 2. The integration of APPS marks a significant expansion of. Software Payments Get your business rolling with PayTrace Merchant Services. We’ll work with you to integrate payments precisely, and define a go-to-market strategy that fits your customers’ needs—so you start generating revenue from day one. To become an ISV thought leader, it pays to know customer pain points. Jan 2018 - Present5 years 7 months. Exec. Enabling ISV, Merchant payment providers, and software companies to offer ACH, Check and. by admin | Nov 21, 2019 | Merchant ServicesISV’s are useful for offering software solutions that help in streamlining the functions of businesses. Point of Sale. The Shifting Provision of Merchant Services . By partnering with a reputable payments provider, your ISV business is able to help your clients by simplifying the payment experience in a way that’s. In conclusion, understanding the ISV phenomenon and its relationship with SaaS and merchant services is crucial in today's digital world. Financial Services Treasury Operations. 1-800-573-6268. Saves time with speedy application turnaround. B2B eCommerce ISV Merchant. The Clover Flex includes: Clover Flex Quick Start Guide;. Partner Management. It offers credit card processing services and a wide range of add-ons and integrations, such as team and customer. but in recent years, this revenue source has come under threat. Cask Government Solution Center. Videos, FAQs, tutorials, contact info and more. PAYARC Recognized as One of the Fastest Growing Companies on the Inc. An ISV can provide more individualized attention and quality to your client’s needs. Our advanced team of software engineers builds Next Level technology that surrounds and expands your existing legacy payment systems and processes, eliminating the need to. If a merchant processes 200 transactions of an average of $10 each, so $2,500, you earn 0. Provider Name Service Provider Type URL Operating Region 1&1 IONOS SE Independent Software Vendor (ISV) Merchant Servicer (MS) SafeKey MPI Germany Our merchant services integrate effortlessly with your software, providing a frictionless payment process that enhances your clients' satisfaction. It currently charges 2. And with some insight into 2023 trends, management stated that overall January volume growth was stronger than in December. Attract new fans with loyalty programs that help you reward your. Online Application can be completed anywhere. According to McKinsey Panorama, global banking revenues are expected to rise by 9 percent a year through 2025, with corporate clients at the heart of this growth. 4mo Edited. Optec Payments. Find out how we can change your business! Within the payment industry, VAR model emerged as the product of ISO evolution. Payment processing fees. Step 1: The merchant enrolls in payment ISV services, providing the business's name, contact information, payment processing services needed, and estimated transaction volume. , ISV's) to bring vertical market or needed acceptance product capabilities into the organization for commercializationSell merchant services. There are many reasons why an independent software vendor may choose to add an integrated payment solution to their software package. Conclusion. While a direct-to-merchant sales force remains an important component for acquirers, increasingly a growing share of new merchant accounts are being obtained through the ISV indirect sales channel. SECURE BANCARD DELIVERS THE PAYMENTS SECRET SAUCE FOR ISO GROWTH. ISO Partnerships Features. We are experienced in navigating the complexities of any business need, making us a great partner for any merchants who are looking to expand their sales. 9% plus a fixed fee that is currently . What I like best about partnering with EVO is being able to. Sub Menu Item 2 of 6, CoPilot. With white labeling, an ISV can rest easy knowing that these aspects are already taken care of by their payment partner. Embedded payments provide additional security assurances within your system, enhance the end user’s billing and checkout experience, and increases the ISV’s. ISV software may run on different operating systems like Windows, Android or iOS, on cloud platforms. Support when you need it – Chase Payment Solutions representatives are available 24/7/365. S. by International Bancard | Mar 5, 2021 | Corporate News, FinTech, ISV, ISV Partnership, Press Releases, Sales Partner, Technology. Unlock Portfolio Possibilities. Merchant Services. Company. Our LIVE payment experts are here to assist you on your journey. These software solutions are typically. PayPal is an example of a payment processing provider offering flat-rate pricing. is a leading payment technology and services provider. to 5:30 p. 8335 ext. Your merchant may need real-time reporting functionalities and seamless transaction management, or a customizable, highly secure e-commerce platform for their online store, like the CardPointe Hosted Payment Page. With traditional credit card processing services, until after you apply and are approved for a merchant account. : Best for low. Much of the industry’s growth will come from fee-based services, such as digital,. Robust online reporting tools designed to. EVO offers ISVs a full range of secure, scalable processing solutions for all types of. What you should know. Our integrated payments solution helps our customers process payments faster and more efficiently by harnessing the power of Chase’s best-in-class solutions and brand. Phone: Support: 877. The Consumer Financial Protection Bureau (CFPB) offers help in more than 180 languages, call 855-411-2372 from 8 a. Seamless integration into our product. “This is part of a bigger trend that we’re tracking,” explained Apgar. Merchant Services. Expand your organization's software capabilities with MerchantE’s Partner Program. Programs & Services. Manage all of your customers and transaction data from a single dashboard, making reporting and reconciliation simple. Zuora’s leading suite of products brings ease to your quote-to-cash and revenue recognition. Learn More Independent Software Vendors (ISVs)Accept payments everywhere with Shift4's end-to-end commerce solution. AWS Premier Tier Services Partners are the most experienced partners and. Well-chosen partnerships offer unrivaled opportunities to improve functionality, reach new markets, build a network, and access capital. With 2GBs RAM, powerful front and back cameras, and our fastest processor yet, it’s streamlined inside and out. Sub Menu Item 3 of 6, Merchants. For example, there’s an $8. This made them more viable and attractive option than traditional ISOs. Integrate Payments Increase Profits and Add Value to Your ISV Platform The retail, kiosk, POS and e-commerce industries are expanding rapidly because of their embrace of new technologies. Tech modernization. Book a consultation with The Payment HQ, a payment processing and merchant services company that offers simple, guided setup and customer care you can rely on. Splitit's white-label platform delivers one-click installments embedded into the merchant's existing checkout flow. While a direct-to-merchant sales force remains an important component for acquirers, increasingly a growing share of new merchant accounts are being obtained through the ISV indirect sales channel. To cater to the many SaaS and software businesses seeks an. Independent software vendors (ISVs) have to navigate a brave new world where megamergers are reshaping financial services. EVO provides multiple ways to integrate, developer-friendly APIs and toolkits, and single-platform global processing. Visa has specific interchange for transactions that occur using an international card in a card-not-present environment. Whether you're a merchant looking for payment processing or are interested in partnering with us, get started with Payroc now. Awesome. At North American Bancard, we celebrate diversity and create an inclusive environment for everyone. QuickBooks Point of Sale 2013 Pro point of sale software gives your business the power to grow into a larger, full-service retail powerhouse. Capture payments anywhere, all from one source. Payment-related products and services that add value to EVO’s merchants and partners. Toast integrates with the most widely used restaurant software. Products. The core function of independent software vendors or ISVs includes catering to unique merchant verticals. See moreOur technology is coupled with a proven ISV growth engine that includes support from our sales and marketing teams. Merchant Services. Clover, all-in-one systems for merchants to accept payments and manage their businessThe ISV/SaaS channel has been the key channel for growth in the US market for SME payments for years already. We provide tools, resources, and dedicated support — everything you need to succeed. Works with the Commercialization team as the Integrated Software Vendor (ISV) Liaison. Start accepting payments online. Banks. B2B eCommerce ISV Merchant. First Data Global Gateway, (please have your merchant ID available) Tel: +1 888-477-3611. Drive value, earn more. * Significant M&A activity. Over 5 million businesses of all types and sizes trust financial solutions from Chase. 10. is a registered ISO/MSP for Woodforest. Provider Name Service Provider Type URL Operating Region 1&1 IONOS SE Independent Software Vendor (ISV) Merchant Servicer (MS) SafeKey MPI GermanyA processor connects to the merchant on behalf of an acquirer via a gateway or POS system to process payments electronically. The second type is a more modern, technology-first payfac solution from a commerce provider like Stripe. Sales Support. Square. 4 Things A Field Services Business Should Look for in a Payment Processing Partner. We get white glove treatment from Global Payments Integrated—they put clients first. ISV Merchant Support . Our ISV Partner Program offers the technology, resources, and support you. Transcend Pay’s API allows your business to automate front and back end B2B payments. We’re. 5-star Support Talk with Sales Partner Now Community Careers Help Center System StatusWhether you're an ISV/Developer or looking for a PAYFAC, we integrate with the ideal gateway and technology while streamlining client approval processes. Here are five of the key reasons. The additional revenue stream can also open up opportunities for expanding into new markets and growing merchant bases in other verticals that hadn’t been reached before. By integrating merchant services into their platforms, ISVs and SaaS companies can provide a better user experience, expand their operations globally, and create a new revenue stream. 1,400. The fee is billed every month, covering local support/service if a problem cannot be solved by phone. AWS Select Tier Services Partners are partners with trained and certified individuals, as well as customer experience. Payment API flexibility is business flexibility. An ISV (Independent Software Vendor) is a software producer in charge of distributing software. Last name*. Additional revenue generation. For a long time, Independent Sales Organizations (ISOs) and Independent Software Vendors (ISVs) have. Stax Payments, a leading payment technology provider, announced its acquisition of Atlantic-Pacific Processing Systems (APPS) creating an end-to-end, seamless payment processing platform. TSYS is building the future of payments with a suite of scalable issuer solutions. The CardConnect Partner Program helps ambitious Sales Agents and ISOs achieve their next possibility. 4. Financial Institutions. However, this is easier said than done; most ISVs do not have the necessary expertise or resources to become merchant services providers. Processing Platform. 2% + $0. Both will rise in worth and demand as client solutions, extra services, and software possibilities. Phone assistance in Spanish at 844-4TRUIST (844-487-8478), option 9. 2. Traditionally, an ISV would require its merchant clients to get payment processing services on their own from a third party. This. An ISV acts as a third-party service developer to help develop and manage mini programs on behalf of its merchants. New businesses have formed at record rates during the COVID-19 pandemic, and those businesses are far more likely to opt for ISVs over legacy providers, McKinsey said. ISOs mostly resell merchant accounts, issued by multiple acquiring banks. More than 17 million Payment Partners use Paytm for Business - India's most trusted payments platform. Our platform provides the integration, security, and customization tools and services that enhance your customers’ payment environments – making your solutions so much more valued and trusted. Our services are no-obligation, fair, and transparent. The consulting firm polled about 800 small businesses as part of its annual merchant. See the diagrams below to learn self-developed mini programs (merchants. The Moneris Go Plus terminal is designed to feel satisfyingly substantial in the palm of your hand, without the added weight. Square: Best overall. PayFac vs ISO: 5 significant reasons why PayFac model prevails. Square. For a long time, Independent Sales Organizations (ISOs) and Independent Software Vendors (ISVs) have. Right-click the project in Solution Explorer, then click Add > New item. Bring payment technology to your business. Clients who are served by software vendors generally expect products from their ISV merchant services. Read our full Dharma Merchant Services review. Our consultative and customized approach helps your business grow by leveraging the most innovative and cost-effective payment and POS. made available to financial services companies to provide to their end-user or to the financial services company’s customer base featuring web and cloud-based software platforms to secure sensitive information and execute. merchant acquirers and independent sales organizations (ISOs), examines how merchant acquirers and ISOs use value-added resellers (VARs) and independent software vendors (ISVs) to acquire new merchants. 462. With cellular connectivity included out the box, your terminal will be. An Integrated software vendor (ISV) creates and markets software applications that operate on a single platform or several OS and hardware platforms. Payment Processing For ISVs (Independent Software Vendors) The independent software vendor (ISV) market is getting a bit crowded. ISV & Merchant Hierarchy Payment Logic; Global eCommerce; Point of Sale Solutions; Direct Certification Platform;. Our LIVE payment experts are here to assist you on your journey. For a merchant, an ISV platform solves multiple problems, such as one contract, enhancement of customer reach, improved marketing tools, and gaining more. This business model enables the. Know What Your ISVs Want. Variety We believe it is important for ISOs to offer their agents a variety of options and solutions to merchants which are looking for payment processing or. 6. Merchants have 100% full customization over when, who, and how. Select Merchant Services, Inc. This small gift multiplies into a lot of good throughout our region, with many hands making light work. Updates display in real time. Check the sides and bottoms for some indicator. 1. Blog Webinars Power30 Replay ISV Spotlight Catch-up Sign in. Company. Dive Insight: After a soft launch for some ISV clients late in the first quarter, the service became available broadly this week, so all ISVs working with Fiserv can turn on this capability for their merchant clients, a Fiserv spokesperson said. m. The Everest platform combines retail and online, multi regional reporting dashboards, multiple front end processor capabilities, real time tokenization to multiple processors and is capable of providing transaction routing services to multiple back-end processors. Seamless integration of payment automation and reconciliation and real-time data analytics adds value to any ISV business proposition. ISVs lease or sell their software, earning their money by providing Software-as-a. MERCHANT PORTAL. Find all the resources you need to get started accepting payments as a PayTrace merchant. Automated Underwriting. After a soft launch for some ISV clients late in the first quarter, the service became available broadly this week, so all ISVs working with Fiserv can turn on this capability for their merchant clients, a Fiserv spokesperson said. If you use a software platform that is integrated with CardPointe, our ISV Merchant Support team can answer your questions and make sure you never miss a sale! Business Hours: 8:30 a. 0417. We’re the B2B payment experts, helping merchants build better, more reliable payment solutions. IAP (In-App Payments): A mobile payment application that lets consumers purchase goods or services within the application (for example, mobile food order-ahead apps, pay for parking apps). 4mo. They provide files for clearing and settlement and other value-added services. Chat With Our Sales Team. Offer hosted payments, online invoicing, and more! An easy way to scale. A merchant account lays the foundation of a business relationship between you and your merchant services provider, such as the bank account for your business. These numbers represent the median, which is the midpoint of the ranges from our proprietary Total Pay Estimate model and based on salaries collected from our users. Strategic collaboration with Authvia enables integration of TXT2PAY ® conversational commerce technology into software. 04/4/2022. Odds are, if you are already in business then you have some sort of deal with an acquiring bank or with a merchant services provider working in tandem. We are an equal opportunity employer. Your customers are up and running in less time for less money with less hassle, helping you strengthen their brand and win more business. Our merchant services integrate effortlessly with your software, providing a frictionless payment process that enhances your clients' satisfaction. S. The best practice is to leverage both application data and external data. ISV Head of New Business – Automotive Retail Merchant Services, a SaltPay company, United KingdomEVO Payments, Inc. The commercial line of business serves the needs of larger companies. (264) 4. In-Person Payments. Wide range of functions. Home; Merchant Services; Retail Point of Sale Systems;. Stay informed. Flexible rules engine and intuitive configuration. A distribution channel is the chain of individuals and organizations involved in getting a product or service from the producer to the consumer. At EVO we have a singular focus on our point of sale developers, providing generous residuals paid every month, upfront bonuses paid weekly for every merchant signed, and additional revenue opportunities with EVO products and services. Stay ahead. Or phone (888) 806 6545 5am-7pm Pacific Mon-Fri. For example, PayPal Checkout transactions carry a 3. ISOs and ISVs do have a few things in common: ISOs and ISVs are both B2B providers, working with merchants and the companies that serve them. In the context of payment services industry, an independent software vendor (ISV) is a company that develops and provides specific technological solutions. Payment processing with Clover is an omni-channel integration. From our experience with hundreds of ISVs, we understand. Start Saving Now. But when a range of tools and services work in unison, they improve the customer experience and reduce the need to stitch together unrelated products from different vendors. Atlanta, GA February 18, 2021 – EVO Payments Inc. Onboard with flexible integration including semi-integrated and turn. A principal member of Visa and MasterCard, EVO offers an array of innovative, reliable and secure payments solutions and merchant services, backed by an uncompromising commitment to exceed the expectations. /ISV partnership. Clover Connect's payment engine supports your software’s ever-growing vision with powerful and easy integrations backed by dedicated, always-on support teams. Sell merchant services. The cooperation improves customer interactions and service quality. We’re here to help you manage and scale your business infrastructure. Overview of ISVs Related to Merchant Services Processing should never be a hassle or headache for you or your customers. Elavon securely handles over $400 billion worth of commerce annually. The price starts at $99 per month for companies with an annual income of up to $250,000. 5-star Support Talk with Sales Partner Now Community Careers Help Center System StatusThe ability to offer enterprise-class integrated payments is key to future-proofing and scaling an ISV’s business. Additional revenueMessage me to learn more about our ISV Merchant Services Partnership Program and how you can get started. Partner portfolio management. ISV users can create a new application with minimal data, then call an endpoint that will email a link to the merchant to finish and sign the application. Surcharge Program. Contact Payliance for Merchant Support, Sales Inquiries, ISV Support, Partner Support and Reseller Support. (ISV) at Choice Payments SolutionsTo help you find the right solution for your needs, we’ve ranked our picks of the best merchant services for small business available today. Within the payment industry, VAR model emerged as the product of ISO evolution. com Sales Inquiries 866. Elevate your application with efficient integrations, support — and now even devices to complete your platform. Additional revenue generation. Beside simply reselling merchant accounts and serviced (as ordinary ISOs do), VARs provided consulting services, technical support, and even hardware solutions. Phone assistance in Spanish at 844-4TRUIST (844-487-8478), option 9. Published on: January 16, 2023. com 800-634-4484 M-F 8am-5pm EST (Closed banking holidays) Sales Inquiries. Partnering for success. Brian Hardy. Merchant Onboarding is a process where payment processors or payment service providers (PSPs), such as credit card companies, sign up new customers. One in-house feature that Payroc does offer, however, is customer support. Engage with 3rd party service providers (i. Support Admin. MerchantE is your premier partner for offering integrated payment acceptance within your software solution! As an end-to-end payment processor serving U. #isv #Nuvei #paymentprocessing #paymentsolutions #fintech #iso #. CardConnect, formerly known as Financial Transaction Services, is a rapidly growing merchant account provider that operates as an independent credit card processing subsidiary of First Data (now Fiserv). This is where white-label payment processing comes in. EXPLORE MARKETPLACE Talk with Support. Taking ethical business practices as our number one priority, we focus on premium service and support. Engagement that’s one of a kind—not one size fits all. Sub Menu Item 3 of 6, Merchants. The figure shows the number of independent software vendors (ISVs) in the United States, Latin America, and Canada, as of 2021, by software market segment. 10 * 200 = $20, so a total of $25. Twilio gives you the time, resources, and flexible pricing model designed to kickstart the success of your application. Implement faster, customize less, and see ROI sooner with Epicor ERP software services built to fit your business, with your industry best-practices built in. The company’s. Stax: Best for avoiding transaction fees. Take your pick from a number of our robust software partners. This Operating Guide describes the procedures and methods for submitting Card Transactions for payment, obtaining authorizations, responding to chargebacks and media retrieval requests, and other aspects of the operations of TSYS services. Merchant Services. Overview. International Bancard & SambaPOS Partner for Growth With Strategic Partnership. Our ISV solutions can save you serious time and money. They differ from both hardware manufacturers and banks, even though those may also distribute and sell software. .