Harbortouch ISO Training - Amazon S3 · 2013-12-31 · • Get cash at participating ATMs nationwide† • Free purchase and balance notifications sent to cell phone†† or email

For more information : [email protected] Proprietary &Confidential

Harbortouch ISO Training

mailto:[email protected]

For more information : [email protected] Proprietary & Confidential

Why sell prepaid?

• There are over 24.8 million prepaid subscribers in the US

• Each prepaid subscriber tops up their phone an average of 1.2 times per month

• Over 357 million store visits projected annually for prepaid top ups

• Next to Tobacco and Lottery tickets Prepaid Wireless is the third best selling category in the C-Store, Grocery and Petroleum space

ISO Benefits

Close more deals with value added offerings

Access to new & emerging products

Increased merchant retention

Make more money by upgrading existing merchants and closing more new deals!

ISO Revenue Opportunity

Now Prepay Corporation www.nowprepay.com Proprietary & Confidential

# Accounts

Weekly Retail

Sales

Monthly Retail

Sales

Monthly

Commission

20 $10,000 $40,000 $600.00

50 $25,000 $100,000 $1,500.00

100 $50,000 $200,000 $3,000.00

200 $100,000 $400,000 $6,000.00

Numbers below are based on a retailer selling $500.00 in prepaid per week.

An average commission rate of 1.5% is used to calculate commission amount.

This average does not include Bill Payment commission.

The Solution

Harbortouch / Now Prepay Program

Prepaid software (e-Fresh) is loaded onto the terminal in conjunction with Harbortouch software

Merchant selects product on the terminal or swipes a plastic card product

Terminal delivers PINs electronically or activates the plastic card product

Supported Hardware

Hypercom

•4210 (Dial)

•4220 (Dial/IP)

Personal Computer

•Windows XP 2003 and higher


Lipman

*Bill Pay not supported

•8500 (IP & Dial)

•8320

VeriFone

•VX510 (IP & Dial)

•VX570 (IP & Dial)

•3740/50 (IP & Dial) *Bill Pay not supported on

3740/50 models

Prepaid Target Markets

Convenience stores

“Mom & Pop” grocery stores

Bodegas

Hardware stores

Nail salons

Wireless Accessory Stores

Movie theatres

Gas Stations

Liquor Stores

Game shops

Paint stores

Electronics stores

Underbanked



• Have every denomination, every brand available..always!

• Attract new customers and maintain customer loyalty while increasing business overall

• Become associated with national cellular brands

• Earn commissions on each product sold

• Ongoing automated product updates

• Eliminate Shrinkage and Theft

• Web reporting and weekly email billing provides all product sales information needed

• Payment for products after the sale

• Convenient ACH payment process for sales

Merchant Benefits

Product Categories


Category PIN Prints on

Receipt

Physical Plastic Card

Real-Time Recharge/ Payment

Wireless

Long Distance

International Recharge

Reloadable Debit Cards

Bill Payment

Wireless (National & Regional)


“Retail prepaid wireless sales are predicted to grow from $18.2 Billion in 2007 to $23.6 Billion in 2010”

Source: Mercator Advisory Group

International Mobile Recharge

● International Mobile Recharge allows consumers to purchase a PIN to “top-up” or “re-charge” a mobile phone in another country


Country Country

Afghanistan India

Anguilla Jamaica

Antigua & Barbuda Martinique

Aruba Mexico

Bahamas Montserrat

Barbados Nicaragua

Bolivia Pakistan

British Virgin Islands Panama

Cayman Islands Peru

Columbia Philippines

Dominica Puerto Rico

Dominican Republic Sri Lanka

Ecuador St. Kitts & Nevis

El Salvador St. Lucia

Grenada St. Vincent and the Grenadines

Guadeloupe Trinidad & Tobago

Guatemala Turks & Caicos

Guyana Vietnam

Haiti

RTR (Real-Time Recharge)

RTR products enable consumers to refresh or “top-up” an account in real-time directly through the POS terminal or PC without the hassle of a PIN. The clerk simply enters a consumers cell phone number or account number during the transaction along with the amount the consumer wishes to purchase and that’s it… Instant top-up!



Long Distance

Reloadable VISA


Features and Benefits:

• Low retail price of $3.00

• Low monthly & reload fees of $2.95

• No fees on purchases

• Free employer direct deposit*

• Free bank-to-card transfer*

• No bank account needed

• No credit check or application fee

• Free 24/7 bilingual Customer Service

• Use for online purchases*

• Get cash at participating ATMs nationwide†

• Free purchase and balance notifications sent to cell phone†† or email address after each use

*This feature is available for registered cards only † Fees and limitations may apply. †† Standard text messaging rates may apply; check with your cellular provider for details.

Bill Payments

Consumers pay utility and other necessity bills quickly

at merchant locations

Merchants earn revenue from fees charged to

consumer for the convenience of paying at their store

Avoid service interruptions, reconnect & late fees

Real-time payments to all major wireless and satellite TV companies

“Consumers will make almost 440 million bill payments at third –party locations in 2010 up from 344 million in 2007”

Source: Alte Group


Merchandising & POP Materials


Posters


Card stock

Window decals

Toll Free Support

Four sided Merchandising Rack

Product Posters & Rate Sheets

Merchandising & Support

Prepay: Merchant Billing & Commissioning

This billing cycle is for Now Prepay Product sales only (wireless, Long Distance, International Mobile Recharge, Visa Debit etc. NOT Bill Pay. See next slide for Bill Pay billing cycle)

Now Prepay drafts only what is owed to the channel less the merchant commissions therefore, they are never owed a commission payment.

* ACH Draft Dates are approximate. While most banks process ACH per the schedule above, some may

process ACH drafts on varying schedules depending upon their specific bank policy


Invoice Dates ACH Draft Dates*

Monday For sales Friday thru Sunday Wednesday For Monday’s invoice

Friday For sales Monday thru Thursday Friday For Friday’s invoice

Bill Pay: Billing & Settlement

ACH Withdrawal

Funds shall be withdrawn by Softgate on a daily basis according to the following schedule: • Monday – Thursday: Next business day

• Friday: Funds collected Saturday or Monday

• Saturday – Sunday: Funds collected Tuesday (along with Monday’s trans)

Transactions made from 9AM EST to 9PM EST the previous day will be included in the withdrawal.

NSF’s

The merchant will be charged a fee for every occurrence of NSF’s (insufficient funds) of $40

Merchants may also be charged a reactivation and/or reinstallation fee


Bill Pay: Merchant Commissions

Commissions

Commissions and fees are reconciled monthly by Softgate and credited to the merchant’s designated bank account electronically on the 15th day following the close of the month

For example, commissions earned in May will be credited to your merchant’s bank account on June 15th

Any fees owed by the merchant will be deducted from the total commission due. (NSF fees, license fees, reactivation fees)


Merchant Revenue Opportunity


Weekly Sales

Weekly

Commission Monthly Sales

Monthly

Commission

$500.00 $50.00 $2,000.00 $200.00

$700.00 $70.00 $2,800.00 $280.00

$900.00 $90.00 $3,600.00 $360.00

$1,100.00 $110.00 $4,400.00 $440.00

An average commission rate of 10% is used to calculate commission amount.

This average does not include Bill Payment commissions.

Electronic Copies of Now Prepay Information

From the “ISO MATERIALS” navigation

Choose “PRODUCT & SERVICE INFORMATION”

Scroll down to “Now Prepay”

Sales Support

Online sales resources via Web Reports

Customized sheet for you to leave behind with prospects

Highlights key benefits of prepaid program

Ongoing sales support for key account and retail opportunities


Prepay Only Program

Harbortouch has designed a unique sales program that is available for those Merchants who only want to sign up for Prepay

Contact Joslin Sansom at Now Prepay for specific program information!

• 972-281-9330 or 972-517-6346

• [email protected]


Contact Information

Harbortouch

• ISO Support: 1-800-201-0461 (option 4)

• Merchant Technical Support: 1-800-632-1888

• IIS: Sales support materials and merchant forms

Now Prepay

• Merchant Invoice Inquiries: 1-888-410-2292 (option 2)

• Technical Support: 1-888-410-2292 (option 1)

• Sales Support: Rick Chander – 1-800-253-2111 x224

[email protected]

ISO Commission Schedule Effective Date: August, 2011

Cellular Long DistanceAirvoice Express 1.50% Asia Direct 3.50%

Airvoice GSM 1.50% Cellular Long Distance 3.50%

Alltel 1.50% Global Reach 3.50%

AT&T 1.50% Homies RTR 2.50%

Beyond GSM 1.50% Jambo Africa 3.50%

Blue Grass 1.50% La Fiesta 3.50%

Boost PayGo RTR 1.00% Mi Pais Lindo 3.50%

Cricket PayGo 1.50% Middle East 3.50%

H2O 1.50% Patriot 3.50%

I-Wireless 1.50% Pennies Per Call 3.50%

Mojo 1.50% TelePronto 3.50%

Movida 1.50% Telmex Multifon 3.50%

Net 10 1.50% Dial World Mexico $3.00 3.50%

Net 10- $50.00 Unlimited 1.50% Dial World Mexico 3.50%

Omni Prepaid 1.50% Dial World-World 3.50%

Omobile 1.50% Dial World-Latin 3.50%

Oxygen Wireless 1.50% Dial World-/Africa & Middle East 3.50%

Page Plus 1.50% Dial World-Asia 3.50%

Platinum Tel - Combo 1.50% Dial World-Caribbean 3.50%

Platinum Tel - Refill 1.50%

Powerlink 1.50% Value Added ServicesPure Prepaid 1.50% International Mobile Recharge 1.00%

Simple Mobile 1.50% MTN TopUP-Africa-2.99 Fee $0.12

Sti Mobile 1.50% MTN TopUP-Africa -.99 Fee $0.05

T-Mobile 1.50% Ashlee Madison 1.00%

T-Mobile RTR 1.50% Wallie Game Card 1.00%

Tracfone 1.50%

Tuyo 1.50% Reloadable Prepaid CardVerizon 1.50% Visa - Initial Purchase ($3.00) 2.50%

Verizon RTR 1.50% Visa - Card Reload ($2.95) 2.50%

Virgin Mobile 1.50%

Bill PaymentStandard: 1.75 $ 0.15 Fixed: $2.50 0.07$

Fixed: $1.00 $ 0.03 Fixed: $2.95 0.07$

Fixed: $1.25 $ 0.03 Fixed: $3.00 0.07$

Fixed: $1.75 $ 0.05 Fixed: $3.95 0.05$

Fixed: $1.95 $ 0.05 Fixed: $4.95 0.10$

Fixed: $2.00 $ 0.05

Conditions: Now Prepay hereby reserves the right to change any of the figures above which may from time to time be

incorporated to this Schedule upon giving Merchant at least 7 days prior notice thereof. All rates above plus applicable taxes.

Iso Split T2 23/02/2012Now Prepay - US

Private Confidential

Bill Pay Program

Frequently Asked Questions

1. What is the Bill Pay Program?Answer: Bill Pay is a program that enables merchants to accept payments forvarious necessity bills such as cable, electric, phone, gas, water and othersfrom their customers. The customer presents a bill they would like to pay andthe merchant collects cash from the customer to be applied to their accountvia the POS terminal or PC. The customer pays a service fee for theconvenience of paying their bill in this manner and the merchant earns acommission on every bill they accept. This in store payment service brand iscalled PayXchange.

2. How long will it take for a merchant to be approved for the Bill Payservice?

Answer: Standard approval turnaround is four business days. It will takelonger if there is incomplete paperwork.

3. What information will be considered when approving a merchant?Answer: Each merchant is evaluated on an individual basis. A standardcredit report is reviewed and the merchant’s credit history is evaluated todetermine eligibility and a daily limit for the product acceptance. If amerchant has a poor credit score and they have a poor credit history it islikely they will not be approved for the program.

4. What equipment or software does the merchant need to get started?Answer: If they have a computer or POS terminal, the merchant can beconnected to the PayXchange system to process customer bill payments. Thecurrently supported POS equipment is:

Hypercom 4210/20 (dial and IP versions) VeriFone 3740/50 (dial and IP versions) VeriFone VX570 (dial and IP versions) VeriFone VX510 (a true 510 not the 3730 versions)

Bill Pay Program








Bill Pay Program








5. What Point of Sale marketing materials are available?Answer: Once a merchant is approved as an “authorized bill paymentcenter”, they will receive a merchandising kit consisting of promotionalmaterials and instructions in the preferred language – English, Spanish orbi-lingual – free of charge. The merchandising kit will include:

Getting Started Handbook Money Laundering Prevention Guide Posters Window Decals Outdoor Banner

6. What is the Application and State Licensing Fee?Answer: Some states require an Application and State Licensing Fee which isa regulated fee payable to the State for holding a money transmitter license.These fees are not transferable and must be paid through our applicationprocess. These states include: AZ, DC, FL,LA, MI, MS, TN, WA, NH

7. What form of payment may a customer use for paying bills at amerchant’s location?

Answer: Customers must pay bills with cash only.

8. Does the customer receive a receipt of payment?Answer: Every transaction is identified by a number and generates areceipt for the customer. The receipt should be retained by the customerand serves as the customer’s proof of payment.

9. What if the customer’s receipt did not print?Answer: The merchant needs to check the connection and try using thereprint function. They SHOULD NOT re-enter the transaction if the receipt didnot print. If it still doesn’t print, they will need to contact NOW PrepayCustomer Support at 1-888-410-2292 to confirm if the transaction wassuccessful.

10. Can a customer make a payment without their bill stub?Answer: Yes, but the merchant runs the risk of the customer providingincorrect information. Therefore, if the merchant does accept the billpayment without the stub, they should record the customer’s name andphone number on the store’s copy of the receipt.

















11. Is there a limit to how many Bill Payments a merchant can accept eachday?

Answer: Each merchant is allowed a daily maximum total dollar acceptanceamount. The amount can range from hundreds to thousands of dollars basedon the merchant’s credit rating. Each merchant account limit can be reviewedafter six months of doing business with Softgate at which time the acceptanceamount may be increased.

12. How and when does a merchant get paid commissions?Answer: Commissions and fees are reconciled monthly and credited to themerchant’s designated bank account electronically on the 15th day followingthe close of the month. For example, commissions earned in May will becredited to the merchant’s bank account on June 15th.

13. When will the merchant’s account be debited by Softgate for BillPayments that the merchant accepted?Answer: Softgate will withdraw funds on a daily basis according to thefollowing schedule:

Monday – Thursday: Next business day Friday: Funds collected on Monday (note that some banks may process

ACH's on Saturdays) Saturday – Sunday: Funds collected Tuesday (along with Monday’s

transactions)

Transactions made from 9 AM EST to 9 PM EST are considered a depositday.The ACH schedule is non-negotiable.

14. How do new billers get added to the payment device?Answer: Merchants can fax examples of bills that their customers haverequested to NOW Prepay Customer Support at 1-888-713-7351. Please notethat they cannot always get all the local billers added in a specific merchant’scoverage area. If a new biller is added the merchant will be required to run aproduct file download.

15. What information does a customer have to provide to pay a bill?Answer: Biller name, Account number & amount due. All the informationthe mercahnt needs to process the transaction will be on the bill thecustomer is paying. The customer’s ID should also be verified.







transactions)










transactions)




16. How much does it cost the customer to pay a bill?Answer: The cost to send a payment varies depending on the biller and thetype of payment. The terminal will display the required fee during thetransaction process, after they have selected the billers name.

17. How soon will the biller receive the payment?Answer: The timing varies. The biller could receive the payment thesame day the bill payment is made and in other cases, the customer’saccount will be updated within two to three days. The provided regionalbiller lists note this information.

18. Can retailers accept late payments or shut-off notices from customers?Answer: Yes. Merchants may accept late payments and shut-off noticesprovided they inform the customer that the payment may take up to three(3) business days to post. Neither Now Prepay, Softgate, nor the retaileris liable for late fees or other charges incurred by the customer.

19. Is there a transaction limit of the Bill Payment amount?Answer: Yes. Payments are limited to $1,000.00 per transaction. Multiplepayments aggregating to $2,000.00 or greater ($1,000.00 in Arizona andOklahoma) made within a 24-hour period by the same person or to the sameaccount must be reported to Softgate using the Softgate Transaction Reportthat is included in the “Getting Started Handbook” that is shipped to the retailerin the merchandising kit.

20. Can a refund be issued to a customer if an error was made on atransaction?

Answer: No refunds shall be issued to any customer unless the refund isauthorized by Softgate. Merchants must contact Softgate’s Customer Supportat 1-888-477-7297 for authorization to refund the transaction.

21. If the merchant has a problem with the operation of their terminal orPC, who can they call?

Answer: Now Prepay Support is happy to help with any equipmentquestions. Please call us at 888-410-2292. Choose Option 1.

















Prepaid Training Questions & Answers Question Category Answers

Prepaid Only Terminals

Can we sign up prepaid terminals if they don’t

want UBC bank card?

• No, a merchant account application must

accompany a prepaid application, or the

prepaid application must be for a

merchant who is a current UBC customer

• Now Prepay is currently working on a

program that would service these “prepaid

only” accounts. More information to

follow.

Can I place a prepaid terminal next to a UBC bank

card terminal

• Yes, but you should really upgrade the

merchant to another terminal type that

supports both so they don’t have to have

two terminals on the counter.

Is there a PC application that the merchant can

use?

• Yes, they can use a PC to download the

prepaid application if the PC is using

Windows XP 2003 or higher

• Note the merchant must purchase an

external card swipe device that plugs

into the USB port of the PC.(MAGTEK

P/N: 21040145)

General Prepaid Program Questions

Are there prepaid sales amount limits? • Yes. $300.00 per day and $600.00 per

week

How do I request the limits to be increased? • The merchant should email

[email protected] to request a

sales limit increase. They should be

specific about the amount of increase they

want.

• The finance department will evaluate the

request and provide an answer back to

support.

• Support will inform the merchant of the

decision.

What happens when the sales limit is reached? • The terminal will no longer process

prepaid transactions successfully.

Prepaid Training Questions & Answers What if they need a higher sales limit from the

beginning

• Add this request to the “Additional Notes”

section of the application so they can

apply for the higher sales limit from the

point of the initial order

• Indicate the specific sales limit they are

requesting

What happens if the merchant gets an NSF? • Now Prepay representative will contact

the merchant and coordinate a time to

retry the ACH.

• The Prepaid processing ability is

suspended until the NSF is rectified.

What is the approval process for the merchant

and how long will it take?

• Essentially when a merchant is approved

for bank card processing, they are

automatically approved for prepaid.

• Usually within 24 hours (per the UBC

approval timeline)

Is it ok to send in the actual tax certificate instead

of transferring the number on a form

• No, Now Prepay requires the form to be

signed and filled in. The form states that

they are taking responsibility for sending

sales taxes to the state where applicable.

Can a consumer pay for prepaid products using a

debit or credit card?

• Yes, however the merchant must take

payment first and then go to the prepaid

application to activate / deliver the

product.

How are the cards on the merchandising racks

refilled if they run out?

• The merchant will receive an order fax

form in the welcome kit to use when they

run out of cards on the rack.

• The Merchant can cal Now Prepay directly

at 1-888-410-2292 to place an order

verbally.

Who will train the merchant • Now Prepay will call the merchant within

7-10 business days to conduct training

Long Distance

What products work for Middle East • Global Reach

• Asia Direct (Iran & Pakistan)

Bill Pay Program

Overcoming Objections

1. Why should I agree to set-up Bill Pay? What’s in it for me?Response: There are consumers looking for locations that accept bill payments that arenot able to do so in your store unless you provide this service. Almost 20% of all bills arepaid through a “walk in” solution, generating close to $16 billion in fees alone in 2010.There are literally millions of customers using this method to pay their bills.

You can earn risk free income and drive new and repeat foot traffic to yourlocation by offering this product.

2. I don’t have time to process these payments. Won’t it hold-up my check-outlines and cause delays?Response: Bill Pay transactions take only 5-10 seconds longer than a typical credit cardor prepay transaction because our easy to use system allows you to follow simpleprompts after you’ve entered the account number.

3. I don’t want to be responsible for returned checks or disputed credit cardtransactions.

Response: That’s no problem. Our solution is for cash transactions only.

4. Taking all of those different types of transactions sounds complicated. Howwill I keep it straight?Response: It’s as easy as reading the screen. The system will prompt the clerk for everyquestion to ask. There is also quick and easy training for you and your staff provided byNow Prepay.

5. Are you setting up all my neighbors/competitors to take Bill Pay, too?Response: No. We’re looking for prime locations to accept the Bill Pay and Prepaidproducts. We want locations with high foot traffic and innovative owner/operators. Yourlocation had been identified as one with good foot traffic and is a perfect candidate forthis product.

Bill Pay Program









Bill Pay Program









Prepaid Training Questions & Answers

Deployment Questions

Who performs the terminal download? • UBC deployment team performs both new

terminal deployment as well as remote

downloads.

• In most cases the remote download is

completed within 1 business day of

receiving a completed order.

ISO commissions & Payment Schedule

What are the ISO commissions? • The ISO commissions are now on IIS in the

folder “ISO Training Materials”

When are the commissions paid? • Prepaid commissions will be paid monthly

Who pays the commissions? • UBC will distribute commission amounts as

per their normal process for other

commissionable products

Terminal Support

What other terminal types are going to be

supported?

• UBC is currently evaluating other terminals

types

• Consider upgrading merchants to a multi

application terminal type that will support

prepaid and other applications as well.

Will Harbor Touch be supported • Now Prepay is in discussions with UBC

regarding the opportunity and effort

involved with adding prepaid to this

device. Updates will be forthcoming.

Future Products

What are future products • International Recharge (Currently

Launching)

• Bill Payment (late 2009)

• Prepaid Visa

Discover Products

Does the Merchant have to accept Discover

products in order to sell them

• No, the sale of prepaid Discover products

is not dependent upon the merchant

taking the Discover card as a payment

type. They are not related.

Does the Merchant collect sales tax for the

Discover Products?

• No, none of the Discover products or their

service fees are taxable

nFinanSe VISA Card FAQs

1. What is an nFinanSe Card and where can I use it?

An nFinanSe Card is like a walking bank account. It can be used at participating merchants,ATMs and to make purchases online, on the phone or by mail. It allows you to spend only theamount of money you add to your card. It is not a credit card or charge card. Please see yourTerms & Conditions for additional information.

2. Do I need to do anything before using my nFinanSe Card?

Before using your nFinanSe Card, you must activate it and sign the back. To activate your Card,please follow the directions on the label located on the front of your card. Write down theCardholder Services telephone number and your card number on a separate piece of paper incase your card is ever lost or stolen

In order to add money again, you will need to register your card. To register your card, visitwww.nFinanSe.com. Go to "Cardholder Login" and then follow the directions.

3. Can I add more money to my nFinanSe Card?

Yes. You can add money to your registered nFinanSe Card at any participating retail location.These locations include the retailer where you purchased your Card and participating WesternUnion® or MoneyGram® agents. You can find the location nearest you at www.nFinanSe.com orby calling Cardholder Services.

4. What is a Card To Bank Transfer?

Please contact your bank for specific instructions and any applicable fees. If you wish to transferfunds from your nFinanSe Card to a Bank Account, you will need the receiving Bank account’srouting and account number. Go to www.nFinanSe.com, then to "Cardholder Login" and followthe directions for "Transferring Money". Be prepared to provide your personal accountinformation. Please see your Terms & Conditions for details.

5. What is a Bank to Card Transfer?

Most large banks will offer a feature to allow transfers outside the bank to other accounts youhave. Please contact your bank for specific instructions and any applicable fees.

Once you obtain this information, you will need to provide your nFinanSe direct depositinformation to your bank. You can obtain this info at www.nFinanSe.com or by callingCardholder Services. Please see your Terms & Conditions for details.

6. What is the maximum amount of money that I can add to my nFinanSe Card?

When you purchase your card you can add value up to $500 in a single load. Once registered, amaximum of $950 per day can be added to your nFinanSe Card. However, the total balance onyour nFinanSe Card cannot exceed $5,000. Please see your Terms & Conditions for details.

7. Where can I obtain a copy of my Terms & Conditions?

A copy of your Terms & Conditions was provided with the initial packaging you received withyour card. Additional copies may be obtained by visiting www.nFinanSe.com or by callingCardholder Services at the number provided on the back of your card.

8. How do I change my PIN?

Call Cardholder Services at the number provided on the back of your card or visitwww.nFinanSe.com. Be prepared to provide your personal account information.

9. What if I forget my PIN?

Call Cardholder Services at the number provided on the back of your card. Be prepared toprovide your personal account information.

10. Can my nFinanSe Card be replaced if lost or stolen?

Yes, but only if the card was previously registered. Call Cardholder Services at 1-866-907-7531to immediately report your card lost or stolen. After you report your card lost or stolen, we willmail you a replacement nFinanSe Card with the remaining balance. Please see your Terms &Conditions for further details.

11. What costs are associated with my nFinanSe Card?

Card Feature FeeRetail Price $3.00PIN and Signature Transactions FREE’Cash Over’/’Cash Back’ at Retail FREE

ATM Cash Withdrawal * $0.99ATM Balance Inquiry * $0.49ATM Decline * $0.49Employer Direct Deposit FREEBank Transfer to Card FREERetail Card Load(at non-Western Union® or MoneyGram® locations)

$2.95

Retail Card Load at Western Union® or MoneyGram® Locations** Set by agentAutomatic Recurring (ACH) Payments FREEOnline Bill Payment $0.4424/7 Customer Service with Live Agent FREE24/7 Customer Service on IVR and Web FREEBalance Notifications via Email or Text Messaging After Each Use ***FREEMonthly Fee $2.95Lost Card Replacement (USPS standard mail) FREELost Card Replacement (Overnight Delivery) $19.95Personalized Card $1.75

*You may be charged an additional fee by the ATM operator or any network used.**Card must be registered with nFinanSe prior to loading funds at participating Western Union®

or MoneyGram® locations.*** This feature is for registered cards only. Standard text messaging fees may apply; check withyour cellular provider for details.

12. How long can I use my nFinanSe Card?

Although your nFinanSe Card expires on the "Valid Thru" date printed on the front of the card,your funds will never expire. Please see your Terms & Conditions for details or call CardholderServices at the number provided on the back of your card.

13. What happens when I have used all the money on my nFinanSe Card?

Visit www.nFinanSe.com and enter your ZIP CODE to find the closest locations to add moneyto your registered card. Certain limitations apply. Please see your Terms & Conditions fordetails.

14. Do I press CREDIT OR DEBIT when making a purchase?

Press DEBIT and use your PIN for purchases if the merchant accepts transactions from thenetworks displayed on the back of your card. You can also press CREDIT and tell the cashieryou want to sign for the purchase.

15. I was charged an additional ATM fee on my nFinanSe Card. What is this?

This ATM fee or surcharge is charged by the ATM owner and is displayed during the ATMtransaction process. Before proceeding with any ATM transaction, be sure you understand theATM surcharges assessed by the ATM owner. Any surcharge fees are in addition to any fees thatare set forth in your Terms & Conditions for ATM transactions.

Please keep in mind that there is typically a limit on how much money you can withdraw at anindividual ATM. These limits are set by the ATM owner.

Remember, you can always get cash at participating retailers by selecting the ’cash back’ or’cash over’ option to avoid any ATM fees or surcharges.

16. Can I get ’cash back’ or ’cash over’ at participating merchants when I use mynFinanSe Card?

You can get ’cash back’ or ’cash over’ up to $950 per day (subject to the merchant’s rules and/orlimits) by using your nFinanSe Card for purchases at any participating merchant accepting thenetworks displayed on the back of your card. Certain limitations apply. Please see your Terms &Conditions for details.

17. Can I use my nFinanSe Card to make purchases online, over the phone or by mail?

Yes! Before shopping, please call Cardholder Services to link your name and address to yourcard number. Most online and/or phone merchants verify basic information like your name andaddress when making a "card not present" transaction. By providing this information, themerchant will be able to quickly complete your transaction.

18. Can I use my nFinanSe Card at more than one merchant?

Yes, as long as there are sufficient funds remaining on your nFinanSe Card.

19. Can I use my nFinanSe Card for recurring payments like my cell phone bill?

Yes, but please ensure your Available Balance is sufficient to cover your recurring paymentwhen it occurs. If the amount of the transaction exceeds your Available Balance, the transactionwill be denied.

20. Can I use my nFinanSe Card to rent a car?

Each car rental agency has specific rules for accepting prepaid cards as payment. Please contactthe appropriate car rental agency for their terms and conditions.

21. Can I use my nFinanSe Card to make hotel reservations?

Each hotel chain has specific rules for accepting prepaid cards for reservations. Please contactthe appropriate hotel chain for their terms and conditions.

22. Can I use my nFinanSe Card to purchase gas?

Yes. Please select the PAY INSIDE option.

23. What if I want to buy something that costs more than the balance on my nFinanSeCard?

If you wish to use your nFinanSe Card to purchase an item for more than the Available Funds,depending on the Merchant's policy, you may be able to use your nFinanSe Card toward aportion of the final purchase price, and then use another form of payment to pay the balance ofthe final purchase price. This is called a "split tender" transaction because you would be splittingthe final transaction amount between your nFinanSe Card and another form of payment.

Before you request a "split tender" transaction, please check your Available Funds atwww.nFinanSe.com or by calling Cardholder Services at the number provided on theback of your card.

You MUST ask the Merchant if two forms of payment will be accepted for the purchaseyou wish to make.

If the Merchant agrees, first request that the Merchant place a specific dollar amount onthe other form of payment (e.g., the final transaction amount less the balance of fundsavailable on your nFinanSe card ).

Next, use your nFinanSe Card to pay the remaining balance. Some retailers, particularlydepartment stores, will only allow a "split tender" transaction if the second form ofpayment is cash or check. Internet and most mail order merchants do not permit "splittender" transactions.

We do not guarantee that the Merchant will accept two forms of payment.

24. What if I don't have enough money on my Card, can I make a purchase?

No, since your nFinanSe Card is prepaid, you can only spend the available balance on yournFinanSe Card.

25. Why do I sometimes have problems using my nFinanSe Card at restaurants, and hairand nail salons, when I have enough money left on my nFinanSe Card to cover the bill forthe food / service?

When a restaurant or other "tip" oriented Merchant (e.g., spas, hair salons, etc.) requests approvalto complete your transaction, the Merchant will often add a fixed percentage (approximately20%) to the amount reflected on the bill presented to you prior to payment. This additionalamount is meant to cover the tip that they expect you will add to the bill. As a result of thisincreased authorization request, if you have insufficient Available Funds on your nFinanSe Cardto cover the amount that the Merchant requested approval for your nFinanSe Card may bedeclined.

If you have more than sufficient Available Funds on your nFinanSe Card to cover the amountthat the Merchant requested to approve, it may result in a 'hold' on your Available Funds for theadditional amount if you do not add the amount they expect.

Once the Merchant sends the final transaction amount you designate, the 'hold' on your AvailableFunds will be removed for any additional amount exceeding the final transaction amount.

Pre-Authorizations can take up to 30 days. During this period you will not be able to use anyAvailable Funds in a 'hold' position.

For example, if your meal, not including a tip, totaled $50 but the restaurant seeks approval for$60 (e.g., includes a $10 (20%) tip in the authorization request) and you choose to pay only the$50 for the meal with your nFinanSe Card, leaving the tip in cash, then the additional $10 wouldbe placed on 'hold' until a submission from the restaurant is received reflecting a final transactionamount of $50 on your nFinanSe Card.

26. How do I return merchandise and get a credit or refund?

Any returns will depend on the return policy of the merchant. If the merchant agrees to issue acredit to the nFinanSe Card for merchandise returned, such funds may not be available for up tofive (5) business days from the date the refund transaction occurs.

27. What if an unauthorized purchase is on my nFinanSe Card?

Contact us immediately by calling Cardholder Services at the number provided on the back ofyour card or writing us at PO Box 89233, Tampa, FL 33619 to investigate the issue. Please seeyour Terms & Conditions for details.

28. What if my nFinanSe Card is declined?

If you believe you have sufficient funds for your purchase, please call Cardholder Services at thenumber provided on the back of your card.

29. What if my nFinanSe Card does not work?

Please be sure you have activated your nFinanSe Card properly. If you are still having difficultyusing your nFinanSe Card, please call Cardholder Services at the number provided on the backof your card.

30. How can I check my balance or review transactions?

Visit www.nFinanSe.com, go to 'Cardholder Login' and then follow the directions to review yourbalance and transaction history or call Cardholder Services at no charge.

31. How do I liquidate the funds from my nFinanSe Card?

You can get cash at any participating ATM, make a purchase at any participating merchant, andget cash back with a PIN purchase at participating merchants. Cash back at a retail location isusually without a charge and is a recommended method of accessing cash from your nFinanSeCard. Retailers typically have lower withdrawal limits than ATMs.

Copyright© 2010 nFinanSe Inc. nFinanSe is a trademark of nFinanSe Inc. The nFinanSe Visa®Reloadable Prepaid Card is issued by Palm Desert National Bank, Palm Desert, CA, MemberFDIC. Discover® and the Discover acceptance mark are service marks used by nFinanSe Inc.under license from Discover Financial Services. Cards are issued by Palm Desert National Bank,Palm Desert, CA or by First Bank & Trust, N.A., Pipestone, MN, Member FDIC, pursuant to alicense from Discover® Network. Discover® and the Discover acceptance mark are servicemarks used by Palm Desert National Bank and First Bank & Trust in Pipestone under licensefrom Discover Financial Services. All cards funds, with the exception of the nFinanSe Gift Card,are insured by the FDIC in accordance with the FDIC's applicable terms and conditions.

Documents

Harbortouch ISO Training - Amazon S3 · 2013-12-31 · • Get cash at participating ATMs nationwide† • Free purchase and balance notifications sent to cell phone†† or email