MEMO PLATFORM OVERVIEW

Modernizing Client Memo.

The infrastructure layer behind secure client memo.

MEMO transforms traditional client memo into a structured, secure workflow that establishes payment commitment and gives retailers complete visibility from shipment through purchase or return.

Designed to work alongside your existing systems and workflows.

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The Merchant Dashboard

A Platform Designed for Client Memo.

Track every client memo from placement through purchase or return, with real-time visibility into payment commitments, decision windows, and complete transaction history.

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memo-it.io / merchant
LIVE
WORKSPACE
Overview
Active memos 24
Decision pending 7
Exceptions
Active memos
24 open  ·  $428,500 in custody
Auto-sync · 12s ago
IN CUSTODY
$428.5K
▲ 12.4% wk
KEEP RATE
73.2%
▲ 4.1 pts
AVG DECISION
38h
▼ 2h
LOSS EVENTS
0
 
MEMO IDCLIENTITEMVALUESTATUS
M-4182 Jennifer Moore Signature Diamond Cluster Stud Earrings $12,800 Purchased
M-4181 Jennifer Moore Cartier Love Bracelet in Yellow Gold $8,250 In Client Possession
M-4178 David Ellis Rolex Datejust 41 $11,850 Awaiting Shipment
M-4176 Emily Foster Van Cleef & Arpels Rose de Noël Earrings $29,200 Draft
M-4174 Michael Chen 3.02 ct Round Brilliant Diamond Ring $32,500 In Transit
In Custody
$428.5K
Real-time value of all active placements
Decision Window
Apr 25 · 18:00
Deadline enforced automatically

Ready to use from day one.

Create client memos, share secure links with clients, and manage every placement through the MEMO dashboard from day one. No development required.

The Client Experience

Your brand.
Every interaction.

Every client interaction is branded with your logo, messaging, and contact information. Your associates remain at the center of the relationship while MEMO works quietly in the background.

Jewelry & Co

A Note About Your Piece

We hope you've enjoyed experiencing this piece.

To keep this piece, complete your purchase with Jewelry & Co. If you'd like to return it, select Return This Piece below.

Please respond by July 10, 2026.

If you need additional time, please contact Jewelry & Co.

YOUR PIECE
Signature Diamond Cluster Stud Earrings
Signature
Diamond Cluster Stud Earrings
$12,800.00

18K yellow gold diamond cluster stud earrings featuring brilliant-cut diamonds in a timeless, elegant setting.

Jennifer, I thought these earrings would be perfect for you. Kind regards, Sarah.

Powered by MEMO Product shown for demonstration purposes.

Client Memo Reimagined

The $12,800 Diamond Earrings.

From first request to completed sale, every step protected.

Friday · 11:03 AM
A client in Boston is interested in a pair of diamond earrings and would like to experience them before deciding.
The associate creates a secure client memo, adds the product details and personalized note, and applies the retailer's default memo policy.
Friday · 11:06 AM
Client reviews the link and authorizes a temporary payment hold.
The client reviews the earrings via the secure link, confirms purchase intent, by accepting the retailer's terms and authorizing a temporary payment hold before the earrings leave the boutique.
Monday
Jewelry & Co. carefully ships the earrings.
Tracking is added automatically and the decision period begins upon confirmed delivery.
Tuesday
The client receives the earrings.
The decision period automatically begins and client receives retailer-branded reminders throughout the experience.
Friday
The client decides to keep the earrings.
Purchase is completed directly through the retailer and the completed transaction is recorded.
Every step. Documented.

What once required three follow-up calls and a week of uncertainty was completed in one week, fully protected.

Payment commitment secured before placement
Client acceptance and terms documented
Automated reminders throughout the decision window
Complete transaction history from creation through completion
More time selling, less time managing follow-up

Every step documented. Every decision time-bound. Every participant protected.

The MEMO Difference

Before MEMO.
After MEMO.

The same client memo process, transformed with structure, visibility, and payment commitment.

BEFORE MEMO AFTER MEMO
Phone calls and texts for follow-up
Automated client communications
Manual tracking in spreadsheets
Real-time dashboard for every client memo
No payment commitment, often goodwill only
Confirmed purchase intent before placement
Informal, variable decision timelines
Defined decision windows
No documented client acceptance
Digital client consent
Client memo that is difficult to scale
A memo program that scales without adding headcount

How MEMO Works

Simple for your team.
Seamless for your clients.

Five stages. One elegant experience for the client. Every placement follows a consistent, structured process from authorization through completion.

Authorization
Client reviews memo terms and provides a secure payment commitment. No charge is made.
Placement
The piece is placed with the client under defined terms and payment commitment.
Decision Window
MEMO manages the decision window and sends retailer-branded reminders automatically.
Keep or Return
The client notifies the retailer of their decision through the retailer's branded experience.
Completion
The retailer completes the sale or confirms the return. MEMO records the transaction and closes the memo.

Platform Overview

Everything you need.
Nothing you don't.

MEMO works alongside your existing systems, bringing structure, visibility and payment commitment to client memo without changing how your team already sells.

Merchant Dashboard

Manage every client memo from one place.

Track active placements, deadlines, payment commitments and outcomes through a single operational dashboard with real-time visibility across your business.

Payment Commitment

Secure every placement before it leaves the store.

Establish a configurable payment commitment while keeping the retailer as Merchant of Record. PCI compliant. No card data stored.

Branded Client Experience

Extend your boutique beyond the store.

Deliver a beautifully branded client experience that reflects your business while guiding clients through acceptance, payment commitment and the decision period.

Structured Lifecycle

Every placement follows the same process.

From creation through purchase or return, MEMO automates reminders, tracks activity and creates a complete operational audit trail.

"MEMO operates in the background. Your clients always experience your brand — your emails, your voice, your relationship. MEMO is the infrastructure that makes the process secure and structured, invisible to the client."

Why Retailers Choose MEMO

How MEMO Creates Value

MEMO creates value by helping retailers increase revenue opportunities, reduce operational risk and bring greater consistency to their client memo process.

Revenue Opportunity

Create more opportunities to convert interest into purchase.

A more structured memo process helps associates confidently place pieces with clients, maintain engagement throughout the decision period and follow up consistently, improving the likelihood that client interest becomes a completed purchase.

Risk Reduction

Reduce operational exposure with greater visibility and control.

Structured payment commitment, documented client acceptance and complete placement visibility help protect high-value placements while reducing the financial impact of overdue, misplaced or poorly documented client memos.

Operational Consistency

Standardize every client memo.

A structured workflow helps every associate follow the same process, reducing manual coordination, improving visibility and making client memo easier to manage consistently across your business.

Founding Retailer Program

Help shape the future of client memo. Benefit for years to come.

We are intentionally partnering with a small group of retailers to help shape the future of client memo.

  • Lock in Founding Retailer pricing for three years.
  • Priority onboarding and dedicated implementation support.
  • Early access to new platform capabilities.
  • Help shape the future of client memo through your workflow and feedback.
  • Recognition as a Founding Retailer (optional participation).
VALIDATION PERIOD
Each Founding Retailer begins with a structured validation period, typically encompassing the first several live memo transactions. This gives retailers time to confirm operational fit and ensure the platform is delivering value before post-validation fees begin.

FOUNDING RETAILER PRICING

Begins after your validation period.

$1,500
Platform fee / month
0.30%
Per completed transaction

Additional plans available for retailers of all sizes.

Founding Retailer Program

Modernize your client memo program.

We're partnering with a limited number of fine jewelry and watch retailers to modernize client memo. If your business regularly places high value pieces with clients before purchase, we'd welcome the opportunity to learn about your workflow and explore whether MEMO is the right fit.

Questions?

Email Debora LaBudde

Founder & CEO, MEMO

dlabudde@memo-it.io

Want a closer look? Explore the MEMO Workflow.

Thank you for reaching out.

We'll be in touch within one business day to schedule a conversation.

We'll respond personally within one business day.

Frequently Asked

Questions we hear most.

No. MEMO sits alongside your existing systems, not instead of them. Your POS, checkout, and payment processor remain unchanged. MEMO adds a structured authorization and workflow layer for client memo, while final purchases continue through your existing systems.

MEMO manages the authorization hold and structured client memo workflow. When a client decides to purchase, the retailer completes the sale through their existing checkout and payment processor. MEMO records the completed transaction and closes the memo.

MEMO uses Stripe to securely manage authorization holds. During onboarding, you'll create a Stripe Connect account within the MEMO dashboard. Your existing payment processor for final purchases remains unchanged.

Very little. MEMO is designed around the workflow your associates already know. Most retailers can begin creating client memos the same day they complete onboarding.

No developer is required. Most retailers complete onboarding in about 30 minutes, including business verification, policy configuration, and Stripe Connect setup. You can begin creating live client memos the same day.

Yes. You retain complete control over which clients and transactions go through MEMO. There is no minimum volume requirement. Many retailers begin with their highest value placements or most active client memo relationships, then expand over time.

MEMO is designed to operate behind your brand. Your clients interact with your logo, messaging, and contact information throughout the experience. Client communications come from your business, while MEMO appears only discreetly in areas such as legal disclosures and a small "Powered by MEMO" attribution.