Here is just a quick comparison of the interest rates for the three cards . Card and Starbucks Coffee Korea comes with extensive reward benefits centered around the existing Starbucks Rewards program,. , 12th Edition" report has been added to ResearchAndMarkets. Brand Fee: 0. For payment, you can use a credit/debit card, or PayPal. MDEX can help businesses reduce day-to-day operational costs, implement innovations quickly, and increase payments. Withdraw cash. Here are just some of the ways a white label prepaid card could be your company’s next smart move. is a distributor that provides a wide range of promotional, advertising, and specialty products such as apparel, textiles, computer accessories, automotive accessories, bags, watches, jewelry, luggage, magnets, and. . Anedot - Best for multi-church fundraising. Lansing, MI 48909. To ensure your protection, your Express Rewards and Express Debit account is managed by ZipLine, a leading private label debit processor employing state-of-the-art firewall and other comprehensive security methods in accordance with the rules and regulations of the Federal Reserve. The Bancorp Bank isn’t the only company that specializes in these private label banking solutions. Funds available on prepaid cards within minutes. , 13th Edition" report has been added to ResearchAndMarkets. With an estimated retail spend of more than $350B, 1 partnership programs comprise approximately 10 percent of the overall credit card market. Customize your physical cards. Often, the cards offer incentives that encourage people to buy more, ensuring that they’ll continue to do business with your company over the years. TD Debit is the private-label debit program, designed to create "stickier" customers through a payment and loyalty experience. The private label credit card exception exempts card issuers from submitting certain agreements to the Bureau regardless of the card issuer's overall size as measured by total number of open accounts. Sample 1 Sample 2. It also integrates verification processes such as KYC, AML checks, sanction screening, and. It offers competitive fees, free direct deposit, and fraud protection. Our platform supports any card form factor and flavor to give your programs a custom feel for any. Customized private label and co-branded card programs—built around you and your customers. Freely define your business model and pricing. A quick refresher: Private label debit, sometimes referred to as decoupled debit is a card or an app that processes a point of sale payment using the purchasers’ checking account as. Data Download Program; Bank Assets and Liabilities. This type of program. From email communications to the name of your debit program (BurgerPay?) your customers will be integrated into your branding like never before. Both offer 5% cash back on the grocer’s private-label products and 1. Examples of businesses that are using white label card solutions successfully include loan services who use the cards to transfer funds or cryptocurrency exchanges, who may offer debit cards for. 39 per ACH transaction. This report covers the U. For example, a method is disclosed for enrolling a customer for a retailer debit card which includes receiving enrollment data from the customer, establishing a check writer rating for the customer based on a history of checks associated with the customer and. Rewards and Benefits. Find out how we can customize any of these. Some of largest issueres of co-branded credit cards are Jpmorgan Chase Bank, U. , those offered by Affirm. Many choose to live and do business away from their nation of origin. Optimize cash flow the clever way. Because private credit cards are managed by banks or financial institutions, they offer exactly the. Our fully managed card program enables you to deliver a high-touch credit experience showcasing your brand to consumers and businesses without the expenses associated with direct issuing. For example, a method is disclosed for enrolling a customer for a retailer debit card which includes receiving enrollment data from the customer, establishing a check writer rating for the customer based on a history of checks associated with the customer and. Community. A private label credit card is a credit card that has been specially branded for a specific retailer. Your security is our priority. We look forward to working with you as a partner or dealer and bringing your vision to life. Methods for soliciting and enrolling customers for a retailer payment instrument are disclosed. Includes prepaid. No collateral. Solutions Group contributes to the success of Fortune 500 companies through the development of cutting-edge prepaid card programs that meet the rapidly. This orchestration engine consolidates all payment methods, from domestic payment processing to instant fund disbursement and cross-border remittances. Contact Clare: [email protected] is also a best practice for your prepaid, debit and credit card programs. Subsidiary Announces New Private Label Debit Card Program With an Initial Order of 60,000 Debit Cards 28 juin 2005 08h42 HE | Source: Global Debit Cash Card Inc. For example, a method is disclosed for enrolling a customer for a retailer debit card which includes receiving enrollment data from the customer, establishing a check writer rating for the customer based on a history of checks associated with the customer and. It is designed for domestic schemes and private payment card associations looking for chip-based security and fast time to market. My Well Ministry - Best for donation allocation. 6. Private label Debit Card Issuer Sub-Trust OO75-0004-04568 1234-4567-89. PRIVATE LABEL CREDIT CARD PROGRAMS. May 28, 2010 - PRLog -- Using a White Label Debit Card Program to Reimburse Employees. The other 50% of gift card sales happen between January and October. Credocard co-branded cards are used in more than 30 million locations globally. Here’s a shortlist of the best church giving apps: Subsplash - Best for setting up recurring gifts. We’ve partnered with ZipLine, the leader in private label debit card payments, to process all Beck’s DebitPay transactions. Bundling ZipLine’s private label debit and mobile payment application with the PDI Marketing Cloud Platform gives merchants added ability to increase the engagement of loyalty program members. Additionally, you can update your existing payment method by going to My Account → My Subscriptions → Manage, then clicking "Update" for the Next Payment. Scale your card programs. Such cards can often provide a great financial tool for consumers at much cheaper price than private label retail cards. With that said, there are a number of arguments for moving a program off a private label platform. The third-party partner (or private label credit card provider) assists in several areas, including issuing, funding, and payment collection. Develop, implement & manage a prepaid card program for your clients/staff/payees. Prepaid debit card payments include general-purpose, private-label, and electronic benefits transfer (EBT) versions. Check the balance in your account. Private-label products are produced for retailers by third-party manufacturers, then sold under a retailer brand. Proprietary cards also called Private Label Cards may be visa debit cards or credit cards are issued under a contractual agreement between financial institutions and third parties, usually large retailers, for the purpose of. Now enhanced by Argos, the platform securely. The software, when integrated. All personal data is encrypted in real time. Buy now, pay later settlement. To ensure your protection, your Yespay™ Debit card is managed by ZipLine, a leading private label debit processor employing state-of-the-art firewall and other comprehensive security methods in accordance with the rules and regulations of the Federal Reserve. Your call. S. Download our eBook to explore how churches can use technology to elevate their missions. Whitelabel issuer is a card issuer that offers branded/co-branded virtual and plastic cards for businesses. Examples for co-branded credit cards: Delta Skymiles issued by American. To ensure your protection, your SunnySaver Debit card is managed by ZipLine, a leading private label debit processor employing state-of-the-art firewall and other comprehensive security methods in accordance with the rules and regulations of the Federal Reserve. We have the most extensive program offering ranging from virtual cards, POS financing, digital banking, payroll and many more. To the consumer, SmartPay is a mobile-enabled smartphone app that incentivizes purchases at Cumberland Farms and makes transactions easier. The white label nature of the platform means that the branding and. IMGCAP(1)]A method of processing a purchase transaction for one or more items includes receiving, at a central computing network, MICR information associated with a financial account of a customer. A Proprietary Card is a card issued by a financial institution to its customers for access to their credit or deposit accounts. Ready to explore issuing solutions? Pathward works with financial and governmental entities to deliver unique, compliant programs and banking solutions. Billed Cardholder Debt means (i) all amounts charged and owing to Bank by Cardholders that were billed with respect to the Private Label Accounts (including principal balances from outstanding charges, charges for Approved Ancillary Products, finance charges. PURE is an off-the-shelf payment application from Thales that fully complies with the EMV™ standard. 4 2 Points per $1 Spent (Silver): Macy’s Credit Cards with Silver status earn 2 points per $1 spent on Rewards-Earning Purchases at Macy’s, Macy’s Backstage, and macys. InterPayment utilizes. Let's Connect Empower your card issuance with OmniWire's customizable, API-driven solutions for quick and secure processing. Brand and launch your digital wallet—no lengthy development work. 2. And, as always, with no transaction fees, it will be easy on your budget as well. Our customizable solution allows you to bring distinctive consumer value propositions to life in a way that builds your brand and business. Think cards. Let’s create a strong future for you and your banking customers. Our client roster boasts some of the industry’s leading financial institutions, fintech companies, card issuers, and more, all. No More Than:A private label credit card program is a type of white label credit card program designed for a specific retailer, business, or organization. 9% + $0. Dublin, Nov. Whatever the design happens to be, just. Developer of bespoke debit card programs. If you choose optional prepaid transactions like Balance Inquiry or. The central computing network includes a solicitation processor and a comprehensive negative check file. White label banking can help you deliver easy and convenient bill payment processes. White-label Digital Wallet. Improve your church's giving request and thank-you messages with these best practices and 35 letter templates. To ensure your protection, your SunnySaver Debit card is managed by ZipLine, a leading private label debit processor employing state-of-the-art firewall and other comprehensive security methods in accordance with the rules and regulations of the Federal Reserve. Virtual card issuance. It streamlines processes, eliminating the need for manual tasks like expense reporting and payroll management. “Although it. Private Label Prepaid Debit Cards | Apt Pay. Choose the design of your debit card. SINNAD enables the financial institutions to issue closed loop (unbranded) cards. 52 Per Month With Free Domain Registration (List Price $7. The system for private-label cards is similar to regular credit and debit cards. Credit Card v Debit Card - Know the Difference. One such solution gaining popularity is the white label crypto loading platform and debit card program. Bank Marks and Retailer Marks. Get a full-service solution for processing and settling. Expand your market offering with an on-demand, scalable solution for fast and simple payments. Major brands from various industries, such as Apple, Uber, and Ikea, have taken the plunge and launched their own card programs for their customers. Star Money expires 30 days after issuance. And, yes, it can also save retailers hundreds of thousands of dollars a year in credit card processing fees. When evaluating the costs of a private label ACH debit program,Methods for soliciting and enrolling customers for a retailer payment instrument are disclosed. The Nordstrom credit card—both the general use and store card—offer rewards. Your security is our priority. By entering your email, you agree to receive marketing emails from Shopify. Leverage Adyen Acquiring to instantly fund your card program. Ther experience spans multiple verticals, including grocery, pharmacy and convenience. CoreCard is a global modern issuer processor with end-to-end solutions across credit, prepaid, and debit that are digital-first, API centric, and architected to enable fast implementations. Versatility is another huge perk of a white-label debit card. Same-Day Deposits are available to merchants on integrated software platforms with a 5:00 pm PT cut-off time for payments processed on WePay. In exchange for using the cards for company-exclusive payments. S. For example, a method is disclosed for enrolling a customer for a retailer debit card which includes receiving enrollment data from the customer, establishing a check writer rating for the customer based on a history of checks associated with the customer and. Debit, credit, prepaid, virtual, consumer, and business credit card programs. *When consolidating purchase volume processed through Marqeta’s platform in 2019. White label secured credit cards are a credit card that is branded to a business. Pittsburgh-based GetGo Café + Market has leveraged AdvantagePAY, Zipline’s private-label debit platform in all of its more than 250 locations throughout. Your cardholders can: Spend crypto anywhere debit cards are accepted. Get onboarded and transact in no time. Citi Merchant Services lets you accept major credit and debit cards, mobile wallets and more. From email communications to the name of your debit program (BurgerPay?) your customers will be integrated into your branding like never before. The company’s product offerings include general purpose reloadable prepaid debit cards,. Interest Rates on Affinity Credit Cards . Safeway markets private-label prepaid debit cards processed through the Green Dot network, said Don Kingsborough, CEO, Safeway Marketing Services and Blackhawk Inc. But Duncan says the goal is to “really scale up” and secure additional partners with haste. WHITE LABEL DEBIT CARD ISSUING We offer access to numerous primary issuers and providers of VISA®, MasterCard® and UnionPay® programs. Our BIN sponsorship services are supported by a full-featured card issuing API platform. -based PDI to bundle ZipLine’s private-label debit and mobile-payment app with its Marketing Cloud Platform. J. API and SDK for developers allow businesses to integrate our financial solutions into any existing business seamlessly. 1(a) of the Agreement, thereby agreeing that the Amended and Restated Private Label Credit Card Program Agreement dated. It evolved into the Target Debit RedCard, which dangles an incentive of 5% savings on the total purchase amount as an incentive. Providing your private label offering as a virtual option gives consumers the ability to integrate it into their mobile wallets. Private label debit cards make shopping more convenient for customers. All personal data is encrypted in real time, and. . To start, they offer a $60 Bonus Note to use for purchases, and two points per dollar spent. Save money with no check. Related to Private Label Debit Card. Some are also issued by the retailers and do not involve a financial institution. 39 per processed credit card/debit card transaction or 0. Definition of White Label Disbursement Platform. A method of processing a purchase transaction for one or more items includes receiving, at a central computing network, MICR information associated with a financial account of a customer. , Inc. By providing its consumers with branded debit cards and fuel discounts, RaceTrac will build its brand loyalty with every. Other benefits. They will never have another fdic checking account debit card again under tranzact program. NetSpend processes branded and private-label prepaid debit card products. It provides an electronic alternative to checks or cash, and creates an electronic payment that is safe, reliable, and convenient. But with affinity cards, the other party is usually a charitable organisation. The programs have the potential to capture a "few percentage points of the overall card. If you’re looking to give. B. We then produce your payment cards and deliver them to the address of your choice. All personal data is encrypted in real time, and every transaction. With a single platform for. 5. Co-branded cards can be used. A. It. Fintech Insights Relaunching your private label card offerings Featuring Kris Carrera | VP of Credit Payments, FIS March 08, 2021 So far in 2021, I have had the. Flexible Payout Schedules. Your Wells Fargo credit card makes it easy and convenient to take control of your money and keep track of spending — with multiple layers of protection to give you confidence. Private label credit cards are run in collaboration with banks or third-party financial institutions. Historically, private label and co-branded credit cards were a win-win proposition. This Card White label was created by a fintech company for fintech companies. Methods for soliciting and enrolling customers for a retailer payment instrument are disclosed. The white label debit program of the. Online customer support, statistical data analysis, risk control, and more — all features available on a single platform in real time! White-label card programs, branded payment cards, company mobile app and personalized. , with its principal office at 283 Fourth Street, Oakland, California 94607 (hereinafter referred to as “DWR”),. PURE is a scheme-agnostic EMV application that private-label card issuers and national. VISA Prepaid card line includes several types of prepaid cards with special features: tourism, youth, gift and virtual cards for online shopping. A private label card is just another name for store cards. is now offering a loyalty program for your c-store pos system, along with a private label debit card program for your customers at the pump The EZ Pay Pump program offers a custom loyalty program for your POS and outside transactions allowing your customers the ability to earn loyalty points for free merchandise and discounts on select products. With a private label banking integration, you can issue debit and credit cards to users virtually. Send funds from a source balance to a target balance. With each new card that remains open for the first 90 days, Komen receives at least $3 plus 0. To ensure your protection, your Speedy debit-enrolled Q-Rewards card is managed by ZipLine, a leading private label debit processor employing state-of-the-art firewall and other comprehensive security methods in. While customers can only use private-label cards within the brand’s ecosystem,. Another three debit and seven more phone card programs are scheduled to debut before the end of the year. The method further includes using the solicitation. These are single purpose cards that are designed to perform specific transaction types, such as purchases, deposits and transfers within a predefined merchant, terminal or acquiring network. domestic deposit, prepaid debit card program. With a single platform for personalized rewards and branded debit payment, ZipLine’s clients gain access to loyalty tools while saving on interchange fees. The bank. Estimates of core noncash payment volumes are based on survey data gathered from depository and financial institutions, general-purpose card networks, and general-purpose and private-label card processors and issuers in the United States. For example, customers can earn points for every purchase they make with their debit card, which can be redeemed for discounts or free products. Besides our own private label cards, we can now offer cards that have an association's, organization's, or group's own name and design," said Arnold F. You can choose to launch your white-label cards with Visa, Mastercard, or UnionPay, set them up as prepaid or debit, and select physical or virtual options. Liquid Web — Get up to 85% Off Managed Hosting. 00 per month are 75% cheaper to utilize. Gyve - Best for donation analytics. Methods for soliciting and enrolling customers for a retailer payment instrument are disclosed. Simplified bill payments. (“Retailer”), with its principal place of business at 1200 Riverplace Boulevard, Jacksonville, FL, 32207, and. Virtual private label cards provide three distinct advantages: These cards are more convenient. With a single-integration, our card issuing platform allows you to advance seamlessly from card setup through embossing, fulfillment and activation. Sock, president of. A. Global Debit Cash Card, Inc. A white label debit card is a payment card that is issued by a financial institution or a third-party provider on behalf of a bank, retailer, or other brand from the financial services industry and allows companies to offer their own financial services. During white label card issuing, one company manufactures a banking product, such as a debit or prepaid card, and then sells or grants the use of that product to a second company. USA; Argentina; Bosnia; Brasil; Čeština; Chile; Colombia; Croatia; Danmark; DeutschlandConsidering that the average American has a credit card balance of over $6,000 and the total credit card debt held by Americans has hit $1 trillion, starting a credit card company can be a potentially lucrative move. That will afford merchants the ability to increase engagement with their loyalty-program members, PDI says. Methods for soliciting and enrolling customers for a retailer payment instrument are disclosed. The QR code and NFC are available, making it possible to reach all devices. The conversion of Financial Payment Cards in the United States from magnetic stripe technology to the EMV standard began in earnest in the second half of 2014 and is expected to continue over the next several years, with full adoption in the credit and bank debit card markets expected to. With each new card that remains open for the first 90 days, Komen receives at least $3 plus 0. For example, many brands will accept returns without a receipt if a prepaid debit card. SmartPay is a merchant-branded ACH decoupled, private-label, direct-debit product. That is slightly better than what my credit card is offering in terms of cash-back rewards – and it’s an instant. Configure and manage all your virtual or physical debit and prepaid card products with a. O. Beck’s DebitPay is an upgrade to Beck’s Rewards, allowing you to pay with your Beck’s Rewards card. 00 per month [$14,228. PEX offers the ability to distribute prepaid cards and then can track all the payments the cards are used for in one place. Branded Reloadable, Prepaid and Virtual Debit Cards. To ensure your protection, your LASSUSGO Debit + Rewards card is managed by ZipLine, a leading private label debit processor employing state-of-the-art firewall and other comprehensive security methods in accordance with the rules and regulations of the Federal Reserve. Online complaint form. Abstract: Methods for soliciting and enrolling customers for a retailer payment instrument are disclosed. Because private credit cards are managed by banks or financial institutions, they offer exactly the. A closed loop card, also called a single purpose card, will have the company’s. various types of credit card programs, such as affinity and cobranded card programs, and the unique characteristics, risks, and controls necessary for each. Private label debit cards are also beneficial to retailers as transaction costs are generally less than those of credit card purchases. PRIVATE LABEL CONSUMER CREDIT CARD PROGRAM AGREEMENT. The method further includes using the solicitation. The Shell Fleet Plus Card is the perfect solution for businesses that need a reliable, fee-free fuel card. Except to the extent included in the Program, an acquired portfolio may be. By: Geir Holstad. If a debit card program isn’t what you need, talk to us about our White Label Prepaid Card Program, our Guaranteed Profit Prepaid Card Program, or any other type of Custom Prepaid Card. JLL sold NetSpend to Total System. Productfy enables companies to launch embeddable financial products to market in days. How White Label Business Debit Cards Work. 3 The 2019 study covers payments initiated in 2018 from U. D. Partner with a trusted, global payments leader. We also handle risk management and fraud detection on your behalf. The program partners the retailer, business, or organization with a financial institution, which acts as the card issuer and handles payment processing, card issuance, and other financial services. Withdraw cash. com. ZipLine is a leading provider of private label debit card and mobile payment processing application (“MPPA”) solutions to petroleum retailers and convenience stores across the United States. Define Private Label Credit Card Programs. Bark Acc't. Always Secure. Railsbank is a UK-based fintech company that provides banking and payment solutions for businesses. HostGator — $2. Secured credit cards require you to put down a deposit in order to be extended a line of credit, which is often helpful in rebuilding or repairing your credit score. Flexible Payout Schedules. In terms of how rewards are actually delivered, you have lots of options, too. Credocard is the industry leader for co-branded cards, Co branded prepaid cards, white label card programs, software and payment integration platforms and turnkey payment solutions. March 10, 2020. SRI, the wholly owned operating subsidiary of SSI and currently the employer of all Stage employees, signed the Agreement solely for purposes of Section 13. Exhibit 10. 5% on other purchases at its stores. Power your growth with our cloud. PS, I rethought my stupid idea of a credit card working and realized, Stupid me!!. It is a different world today than it was even a generation ago. Effortlessly handle your private label cards through APIs. While private label debit cards are generally used to pay only the issuing retailer and its affiliates or networks, purchases often qualify for incentives such as discounts and rewards programs, for example. NetSpend processes branded and private-label prepaid debit card products. Generate interchange revenue with processing services for consumer and business cards. To report fraud or if you have a general consumer complaint, you may file a complaint with the Attorney General’s Consumer Protection Division. Introducing PURE. Put your brand front and center. Guests receive instant fuel discounts by scanning their enrolled Advantage Card and entering. All personal data is encrypted in real time, and every transaction. Make purchases anywhere Visa Debit cards are accepted. Brand Awareness:. 2% for consumer debit cards. THIS PRIVATE LABEL CREDIT CARD PROGRAM AGREEMENT is made as of this 13th day of November, 2003 (the “Effective Date”) by and between DESIGN WITHIN REACH, INC. Consolidated credit and debit experiences with award-winning features, including self-service card management, expense tracking and rewards. U. Custom reports can be created and expenses can be easily managed and analyzed. With a single platform for. Liquid Web — Get up to 85% Off Managed Hosting. The US Debit Card program is designed to provide the. It allows you to easily send and receive money, track spending, and access other features. You must also consider data security and the staffing. ZipLine processes more than 6 million transactions monthly, PDI says. 15% for debit cards and 1. Our Customized program is a white-label, co-branded card program sponsored by a financial institution, member of Visa or Mastercard, issued on a PCI/DSS processing platform and administrated by an experienced program management and risk/fraud team. Make church surveys easier. Target is one of many retailers that offer a private label credit card as of 2020. Global Debit Cash Card, Inc. 2 million versus $50 million). Depending on the program options you choose, your card transaction procedures may also be the same – which may help reduce implementation time and minimize the need for additional staff training. A Kroger spokesperson on Tuesday declined to comment on the reason for the sunsetting of the branded debit card or provide details on a possible replacement. Global payment solutions tailored for your business. Kind Code: A1 . Program participants accumulate dollars on their debit cards for meeting performance objectives established. Zero to sorted in 60 days. 00 to $15. 01. As a leading issuer of prepaid cards in the country, we collaborate on prepaid solutions of every type, including the following: Gift. com's offering. 03. The platform charges a fee starting at 2. Ministry isn't what you do; it's a calling. PayPal Mastercard Debit Card is a co-branded card by PayPal and Mastercard International. Within the European Economic Area (EEA), the cap for interchange fees is set at 0. The third-party partner (or private label credit card provider) assists in several areas, including issuing, funding, and payment collection. Design your best-fit solution, allowing you to operate effectively within an on-demand economy, launch your fintech startup, supercharge your neobank, or create cards for the travel industry. Our Prepaid Card Programs are ready to be white-labeled based on your requirements. Global Debit Cash Card, Inc. We have also added unsecured personal loans, auto financing and mortgages to our focus areas. PRIVATE LABEL CONSUMER CREDIT CARD PROGRAM AGREEMENT. Other Prepaid Card Programs We have analysed over 50 prepaid debit card solutions in the international marketplace and identified common drawbacks of the offerings:; cards are mainly offered to private individuals who need to apply online restrictions for country of residence of applicants (majority are UK focused) and where cards can be sent. From financial products and services, to marketing and online training, we can help you meet your business needs. 1 . With these cards, people get the satisfaction of being rewarded with something tangible that gives them control over what they spend it on. Yes, in a hypothetical, a 50 year company with $8. have any obligation to include any debit card program so acquired in the Program or otherwise transfer any such program to Bank. There are others that do this as well like MetaBank, CBW Bank. Last contract year, UNR students paid more than $700,000 in fees. To ensure your protection, your Parker’s Rewards + PumpPal Debit card is managed by ZipLine, a leading private label debit processor employing state-of-the-art firewall and other comprehensive security methods in accordance with the rules and regulations of the Federal Reserve. GiftCards. Always Secure. A private-label credit card is a type of revolving credit plan managed by. 2. Get free church connection card templates, inspirational quote cards for welcome packets and welcome letter templates. This card enables you to pay for your purchases using a brand’s network rather than a traditional credit or debit card. Design your best-fit solution, allowing you to operate effectively within an on-demand economy, launch your fintech startup, supercharge your neobank, or create cards for the travel industry. Co-Branded Card programs – Prepaid Debit Cards and Credit Cards. Easily track your direct deposits and purchases. 0% APR for 12 months on purchases and balance transferDownload the brochure. The private-label debit card programs offer branded cards with the client company’s logo, design, and other customizations. Our Customized program is a white-label, co-branded card program sponsored by a financial institution, member of Visa or Mastercard, issued on a PCI/DSS processing.