API and SDK for developers allow businesses to integrate our financial solutions into any existing business seamlessly. 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. White-Label Debit Card Programs. Regulated Debit Costs. The annual fee is $0. The bank. Create the look and feel for your private label debit program that drives customer loyalty and reinforces the messaging of your app and your brand. The top-10 card issuers include all of the biggest brand names in the business. Deliver a connected, customized experience–debit or credit, simple to complex. 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. Any card type can be added to digital wallets: Apple Pay, Google Pay, and Samsung Pay. Last contract year, UNR students paid more than $700,000 in fees. , with its principal office at 283 Fourth Street, Oakland, California 94607 (hereinafter referred to as “DWR”),. With each new card that remains open for the first 90 days, Komen receives at least $3 plus 0. Private-label debit cards are a type of payment card used to make purchases, withdraw cash, and link to bank accounts. 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. *When consolidating purchase volume processed through Marqeta’s platform in 2019. You will see the price per gallon rollback on the pump. 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. 5% on other purchases at its stores. 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. Always Secure. Check the balance in your account. Except to the extent included in the Program, an acquired portfolio may be. We work with financial institutions, corporations and SMB’s from around the world, developing customized turnkey programs and providing our clients with a true. Increase revenue. Likewise, findings from the 2020 C-Store Shopper Report show that 39% of respondents said they used their loyalty program’s mobile app to pay for purchases. Examples of Private Label Credit Card Program in a sentence. Virtual private label cards provide three distinct advantages: These cards are more convenient. The Visa Prepaid Card is one of the most widely accepted prepaid cards on the market. White label banking accelerates the builder’s go-to-market strategy by removing. White label debit card issuing has become increasingly popular in recent years as more and more businesses seek to offer payment services to their customers. 2019, and 2020. Abstract: Methods for soliciting and enrolling customers for a retailer payment instrument are disclosed. 3 The 2019 study covers payments initiated in 2018 from U. Branded Reloadable, Prepaid and Virtual Debit Cards. And, as always, with no transaction fees, it will be easy on your budget as well. 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. Your security is our priority. You must also consider data security and the staffing. Our card issuing capabilities and smart Cards API empower you to provide prepaid, debit, and credit cards. June 28, 2005 08:42 ET. Our partnerships with all the world’s major card networks allow our clients to confidently issue any card-based product, including credit, debit and prepaid. Historically, private label and co-branded credit cards were a win-win proposition. By: Geir Holstad. ZipLine is a provider of ACH payment processing and label debit card loyalty solutions for retailers. Private label credit cards are run in collaboration with banks or third-party financial institutions. 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. Contact Clare: [email protected] is also a best practice for your prepaid, debit and credit card programs. This PRIVATE LABEL CONSUMER CREDIT CARD PROGRAM AGREEMENT is made as of June 15, 2010, by and between Nautilus, 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. There were 1. From email communications to the name of your debit program (BurgerPay?) your customers will be integrated into your branding like never before. For Platforms Loyalty Programs Improved customer retention Lending Seamless financial flows Cards as a Service Empowering debit cards Alternative. S. For example, many brands will accept returns without a receipt if a prepaid debit card has been used for payment. Merchants must deposit into a single Chase bank account to be eligible. Customers can use the card to make purchases online, in stores, or withdraw cash from ATMs. The Bancorp Bank isn’t the only company that specializes in these private label banking solutions. Lansing, MI 48909. Enhance cardholder experience and usage. Exhibit 10. A co-branded credit card is sponsored by two parties—typically, a retailer and a card issuer or card network—and usually bears the logos of both. June 11, 2021 /PRNewswire/ -- The "Private Label Credit Cards in the U. Railsbank is a UK-based fintech company that provides banking and payment solutions for businesses. The commission and transaction fees that this brings also create a useful new revenue stream. 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. Backed by over 15 years of. We were the first to launch open loop prepaid in Canada, along with being the first to market with Apple Pay®, Google Pay® and Samsung Pay® on prepaid cards. Versatility is another huge perk of a white-label debit card. Power Finds (Aug. Standard Credit Card Programs:. The third-party partner (or private label credit card provider) assists in several areas, including issuing, funding, and payment collection. ( ), with its principal place of business at 1200 Riverplace Boulevard, Jacksonville, FL, 32207, and GE Capital Retail Bank with its. With that said, there are a number of arguments for moving a program off a private label platform. Closed Loop Card: A credit card or gift card that a consumer can only use to make purchases from a single company. For payment, you can use a credit/debit card, or PayPal. Ther experience spans multiple verticals, including grocery, pharmacy and convenience. 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. , 12th Edition" report has been added to ResearchAndMarkets. Target’s RedCard comes in three forms: a Mastercard (open loop card), an in-store-only credit card, or a debit card. We also handle risk management and fraud detection on your behalf. Most debit cards are pretty basic in design. This orchestration engine consolidates all payment methods, from domestic payment processing to instant fund disbursement and cross-border remittances. You might choose to simply reward a participant with a check, or by transferring funds into their account via. White-label Digital Wallet. Account Types: Cascade Processing can handle multiple account types, including ATM/debit cards, private-label cards, gas cards, prepaid GPR cards, gift and loyalty cards. Private label cards: Advantages. 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. Methods for soliciting and enrolling customers for a retailer payment instrument are disclosed. Here are a bunch of debit card programs. 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. Your EBANQ online banking system can be online in 24-48 hours with your own logo and design theme. Some of largest issueres of co-branded credit cards are Jpmorgan Chase Bank, U. Additionally, we will cover the process of launching a white label credit card program, including partnering with a financial institution, creating the card program, launching the program, and managing the program. 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. PRIVATE LABEL CREDIT CARD PROGRAM AGREEMENT . 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. The US Debit Card program is designed to provide the. According to Danner, recent data revealed a slow decline in private label card accounts. Discounts. To report fraud or if you have a general consumer complaint, you may file a complaint with the Attorney General’s Consumer Protection Division. For example, many brands will accept returns without a receipt if a prepaid debit card. In 2019, it was initially predicted that there would be close to 225 million accounts in 2023, however, the real numbers are much lower than predicted. Payment to Payout Reconciliation. Wallester’s white-label card solution comprises an entire ecosystem. e. Guests receive instant fuel discounts by simply scanning their enrolled. 50] in interest plus another $5. The method further includes using the solicitation. Withdraw cash. With a single platform for personalized rewards and branded debit payment, ZipLine’s clients gain access to loyalty tools while saving on interchange fees. 00 per month [$14,228. The Nordstrom credit card—both the general use and store card—offer rewards. 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. Subsidiary Announces New Private Label Debit Card Program With an Initial Order of 60,000 Debit Cards June 28, 2005 08:42 ET | Source: Global Debit Cash Card Inc. 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. Incorporating a white-label corporate credit card into an enterprise expense management program is advantageous for both employees and employers. 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. Start innovating with Marqeta today. Use these cards for your business needs, highlighting your brand’s identity. com's. Rewards and Benefits. Credit card payments include general-purpose and private-label versions. [1] [2]. Private label debit seems to be the product always looking for a home. The software, when integrated. Any service and product of the Omniwire platform is available for customizations and usage by any business. Toll free: 877-765-8388. To ensure your protection, your EZ Pay 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. Conducts an in-depth analysis of seven private-label credit card programs from within the context of the retailer's loyalty program and its results. Put your brand front and center. GetGo guests can enroll in the AdvantagePay program using their Giant Eagle Advantage Card. Partner with a trusted, global payments leader. Guests receive instant fuel discounts by scanning their enrolled Advantage Card and entering. TD Debit is the private-label debit program, designed to create "stickier" customers through a payment and loyalty experience. The programs have the potential to capture a "few percentage points of the overall card. We’ve just found out about three co. PRIVATE LABEL CONSUMER CREDIT CARD PROGRAM AGREEMENT. Buy now, pay later settlement. 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. March 10, 2020. We’ve done our best to make the integration process seamless and ensure flexibility, security, and compliance. A private label card is just another name for store cards. As we provide you with a card having your logo and other features associated with your brand, your company awareness is guaranteed. ZipLine offers private label debit card and mobile payment solutions to retailers looking to create more loyal customers. With personalisation, you can decide how your brand’s cards will look for your customers. Your security is our priority. The other 50% of gift card sales happen between January and October. Deliver private label and co-branded card programs that drive sales and build loyalty. Beck’s DebitPay is an upgrade to Beck’s Rewards, allowing you to pay with your Beck’s Rewards card. You know your business needs and what your cardholders want—our white label credit program helps you deliver. 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. , 8th Edition. 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. A. It streamlines processes, eliminating the need for manual tasks like expense reporting and payroll management. Co-branded credit cards are issued by a financial institution — usually a bank or credit union — in partnership with a company, organization or brand. My Well Ministry - Best for donation allocation. The central computing network includes a solicitation. PAYMENTZ supports all major payment methods including Credit/Debit cards, Net Banking, UPI, Wallet, etc. WHITE LABEL DEBIT CARD ISSUING We offer access to numerous primary issuers and providers of VISA®, MasterCard® and UnionPay® programs. *Subject to card design & implementation. Partnerships provided attractive margins for issuers, drove purchase volumes and increased loyalty for retailers. Prepaid debit card payments include general-purpose, private-label, and electronic benefits transfer (EBT) versions. Let’s create a strong future for you and your banking customers. 03. (Thailand) Limited (Bred I. 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. The grocer debuted the card, which offered savings on private-label products and added fuel rewards, in February 2019. Government payments. 11% + $0. This simplistic comparison, however, does not accurately reflect actual, total costs incurred by a merchant for either service. And in certain scenarios, they’re actually a better choice, particularly when rewarding a customer as part of a rebate program. Highly customized, loyalty-driven card programs for large retailers, travel & entertainment businesses, financial institutions and. Using these cards, financial institutions can target. 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. Easily set credit limits: for each program, any card and all types of transactions. Key Takeaways. Enhance your offering with our API based services for. Banks partner with retailers and brands to extend a revolving credit line to cardholders. ZipLine today announced that RaceTrac will leverage its private label debit platform to launch RaceTrac Debit Cards in 140 convenience stores in the Dallas-Fort Worth area. , 13th Edition" report has been added to ResearchAndMarkets. Our Leadership. These institutions act as private label. Personalize the look and feel of your physical and virtual cards with custom logo design, carrier, messaging, signature, and graphics that reinforce your brand. Merchants must deposit into a single Chase bank account to be eligible. General Purpose Reloadable (GPR) Travel and expense. Some of largest issueres of co-branded credit cards are Jpmorgan Chase Bank, U. “We have made the decision to discontinue our Kroger Rewards. Always secure. Redeeming a fuel reward: If you’re paying with Express Debit, touch the Pay button in the app or swipe your Express Rewards card, then follow the prompts. 2% for consumer debit cards. In October 2013 payments technology firm FIS announced a new private label, decoupled debit product called InterPayment. Citi Merchant Services lets you accept major credit and debit cards, mobile wallets and more. It allows users to spend money from their online PayPal accounts at any. The RaceTrac Rewards + Debit program offers guests the opportunity to earn points on their purchases and save 7 cents per gallon on fuel, all in a single swipe. We then produce your payment cards and deliver them to the address of your choice. GiftCards. ) - a subsidiary of French banking. Define Comparable Private Label Credit Card Programs. Interregional card transactions are capped at 1. [1] [2] Used in a closed-loop environment, private label debit offers secure transactions through PIN protection or tokenization. ISO To Test Private-Label Pin-Debit Card | American Banker. This Private Label Credit Card Program Agreement is made as of the 11th day of August, 2010, by and between KOHL’S DEPARTMENT STORES, INC. We have the most extensive program offering ranging from virtual cards, POS financing, digital banking, payroll and many more. The financial institution charges interest on credit card balances and fees on late payments. 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. Flexible ways to earn revenue! White Label Partners are able to mark up some prices and others, you receive commission from Novae or our partners. Get a 'mini-statement' of your account whenever required. Improve efficiency and satisfaction with an array of easy-to-use support services. To the consumer, SmartPay is a mobile-enabled smartphone app that incentivizes purchases at Cumberland Farms and makes transactions easier. JLL sold NetSpend to Total System. Private label credit cards (PLCCs) are emerging as an area of focus for card companies, as commissions dwindle and the harvesting of customer data seems to be the best way to drive future growth. ZipLine’s Profile, Revenue and Employees. P Morgan’s online program and account management tools put you in the driver’s seat with a wealth of on-demand information and the ability to fine-tune purchasing controls. Private label Debit Card Issuer Sub-Trust OO75-0004-04568 1234-4567-89. When it comes to white label card issuing, there are plenty of options available. O. A private label credit card program is a type of white label credit card program designed for a specific retailer, business, or organization. The platform provider handles all aspects of the gift card program, including the creation, distribution, and management of digital and physical gift cards. All of this allows us to provide innovative and reliable White Label Prepaid Card Programs. Always Secure. This Amended and Restated Private Label Credit Card Program Agreement is made as of May 14,. To start, they offer a $60 Bonus Note to use for purchases, and two points per dollar spent. A co-branded credit card is sponsored by two parties—typically, a retailer and a card issuer or card network—and usually bears the logos of both. One such solution gaining popularity is the white label crypto loading platform and debit card program. 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. The Nordstrom credit card—both the general use and store card—offer rewards. Brand Awareness:. 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. Private-label debit cards typically don’t offer rewards or cash back and may require customers to keep a certain amount in their bank account to use the card. Private label banking is often confused with white label banking, but they are not the same thing. In exchange for using the cards for company-exclusive payments. Same-day deposits with no extra fees. PDI expands its loyalty offering by integrating private label debit and mobile payment technology. Excellent knowledge in preparing Test. In terms of how rewards are actually delivered, you have lots of options, too. The Portland-based provider of private-label debit card and mobile payment technology has acquired SmartClixx, which develops software for gift-card transactions for national retailers such as. com affiliates can earn commission on every gift card or egift card sale they refer. Offer a branded payment card to create great engagement and interaction with your customers. Liquid Web — Get up to 85% Off Managed Hosting. 39 per ACH transaction. To ensure your protection, your enPay 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. com. 3;. That will afford merchants the ability to increase engagement with their loyalty-program members, PDI says. 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. From email communications to the name of your debit program (BurgerPay?) your customers will be integrated into. domestic deposit, prepaid debit card program. The platform charges a fee starting at 2. With a credit card, your liability for fraudulent charges is generally capped at $50. 1 . USD to USDC. This card enables you to pay for your purchases using a brand’s network rather than a traditional credit or debit card. 05% + $0. The modern CRM system is equipped with all the tools needed to process cardholder information as conveniently as possible. 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. Global Debit Cash Card, Inc. Data Download Program; Bank Assets and Liabilities. Easily and securely make same-day credit card payments online, over the phone, or at an ATM. These cards miss out on a couple of the advantages associated with a reloadable branded debit card, but prepaid branded debit cards remain an excellent option for distributing rewards. CARD Act with specific effects in the marketplace that have occurred since the issuance of the Bureau’s last biennial report, and, even more so, to demonstrate a causal relationship between. The US Debit Card is a versatile financial product that enables federal agencies to make payments with a prepaid debit card. Take the complexity out of card issuing. Bundling the PDI Marketing Cloud Platform with ZipLine's private label debit and mobile payment application provides retailers the added ability to increase the engagement of loyalty program. Ready to explore issuing solutions? Pathward works with financial and governmental entities to deliver unique, compliant programs and banking solutions. 16% + $0. In essence, a white label debit card is a card that is branded with the logo and other identifying features of the issuing company, but is. You know your business needs and what your cardholders want—our white label credit program helps you deliver. A Proprietary Card is a card issued by a financial institution to its customers for access to their credit or deposit accounts. There are multiple options available to you when it comes to implementing an incentive program. Each of the previously listed cards have similar interest rates and offer rewards programs with no annual fee to the cardholder. To ensure your protection, your 7-Eleven Thx! 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. Credocard co-branded cards are used in more than 30 million locations globally. Whatever the design happens to be, just. Funds available on prepaid cards within minutes. Providing a range of bespoke, integrated card solutions to your customers in just 2 months*. com's offering. The method further includes using the solicitation. S. One of the services they offer is card issuing, which allows businesses to create and manage their own branded debit or credit. Methods for soliciting and enrolling customers for a retailer payment instrument are disclosed. ZipLine processes more than 6 million transactions monthly, PDI says. NetSpend processes branded and private-label prepaid debit card products. 2. While customers can only use private-label cards within the brand’s ecosystem,. Versatility is another huge perk of a white-label debit card. With unprecedented expertise in the field, we are the engine behind hundreds of private label debit payment and loyalty programs. Custom reports can be created and expenses can be easily managed and analyzed. White label banking can help you deliver easy and convenient bill payment processes. ZipLine’s primary competitors include ACHQ, FlashBanc, Merchant Solutions and 13 more. Consumer Protection Division. Exhibit 10. The private-label credit card programs offered through the Concora Credit brand, allows merchants the ability to provide financing solutions to customers who are turned down by primary lenders. In addition to cash, merchandise, and travel, reloadable debit cards are now among the most important and essential ingredients of incentive, reward, and recognition programs. End-to-end personalized credit, debit or prepaid cards for your specific business needs. Yes, in a hypothetical, a 50 year company with $8. Providing white label debit & credit card solutions and Banking as a Service for financial services & institutions. A. Credit and debit card funding can be in your account as soon as the next business day. Your card. Define Private Label Credit Card Programs. June 28, 2005 08:42 ET. (“Kohl’s”), a Delaware corporation with its principal offices at Menomonee Falls, Wisconsin, and Capital One, National Association (“Bank”), a financial institution chartered under the laws of the. To ensure your protection, your Pumped Up Rewards Double 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. As a leading issuer of prepaid cards in the country, we collaborate on prepaid solutions of every type, including the following: Gift. Here’s what private labeling is and how it works. Dive into our APIs and get ahead with real-time disbursements. Multiple web media brands serving the global church and nonprofit industries. Star Money expires 30 days after issuance. Step 3 Customize your loyalty, rewards, or cashback offers. Almost 70% of gift card recipients spend 60% more than the value of the gift cards than when they’re spending their own money. Your call. It provides an electronic alternative to checks or cash, and creates an electronic payment that is safe, reliable, and convenient. Unlike traditional debit cards, white-label prepaid cards offer the same functionality as traditional debit cards with added benefits. The $28 Billion Opportunity for Merchants Can Private Label Debit Drive Additional Revenue? 1) Utilize payment methods your customers prefer 2) Build a program foundation 3) Create a customer experience 4) Define loyalty rewards 5) Launch marketing strategy 6) Provide employee training 7) Make data-based improvements Cards According to. We will advise you on the best pricing model for card program so that it is profitable. Estimates. Interest Rates on Affinity Credit Cards . This booklet also includes a. RETAILER DEBIT CARD SYSTEM . 225: VS. Our platform supports any card form factor and flavor to give your programs a custom feel for any. SmartPay is a merchant-branded ACH decoupled, private-label, direct-debit product. Whatever your industry. By: Geir Holstad. What’s more, your company can focus on offering private label credit cards, which allows holders to use it only in specific stores. In fact, the demand for these services is so high, that PDI recently acquired ZipLine, a leader in private label debit and mobile payments. Such cards can often provide a great financial tool for consumers at much cheaper price than private label retail cards. Get a full-service solution for processing and settling. Simplified bill payments. [3] [4] Prepaid Credit cards and debit cards partnerships. Debit cards have all but replaced cash at this point, and customers are increasingly using their phones rather than physical debit cards to make purchases. 1(a) of the Agreement, thereby agreeing that the Amended and Restated Private Label Credit Card Program Agreement dated. Our debit cards are best-in-breed and provide all the functionality you would expect from this powerful form of payment. The integration feature is better than all other. This PRIVATE LABEL CONSUMER CREDIT CARD PROGRAM AGREEMENT is made as of June 15, 2010, by and between Nautilus, Inc. Aside from the utility argument, one powerful argument these days is the. Portland, Maine-based ZipLine helps merchants build consumer loyalty and market share with private-label debit, rewards and gift card programs. Allied Specialty Co. Our customizable solution allows you to bring distinctive consumer value propositions to life in a way that builds your brand and business. Related to Private Label Credit/Debit Card. That is slightly better than what my credit card is offering in terms of cash-back rewards – and it’s an instant. In Australia, interchange. Card and Starbucks Coffee Korea comes with extensive reward benefits centered around the existing Starbucks Rewards program,. Apto allows you to connect physical or virtual debit cards to any currency, including crypto. 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. Consumer Solutions. Methods for soliciting and enrolling customers for a retailer payment instrument are disclosed. White label banking is another term for private label financial services or banking-as-a-service (BaaS), in which banks open up their application program interfaces (APIs) to let third parties build their own financial products with existing infrastructure. 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. Thales also delivers the SDK, which makes payment with a mobile device possible. Online onboarding with minimum documentation. Conceived, developed and launched one of the first private label debit cards programs in the USA. For SME owners, customer loyalty and employee perks are vital. Ministry isn't what you do; it's a calling. Brand Fee: 0. On the other hand, the retailer will avoid payment processing fees, which translates to more profits. com with a Macy’s Credit Card, less returns, credits, discounts, and adjustments. HCE wallets for Private Labels.