What Is A Merchant Branded Debit Card?

•      A Merchant Branded Debit Card is a private label debit card program that offers you, the retailer, low fixed-cost transactions and provides you information on consumers that are shopping at your stores. A Merchant Branded Debit Card can also be considered a payment loyalty system. Our merchant reporting system is real time and provides information that you currently don’t receive from other payment methods. Our reporting system contains the consumer name, their email address, phone number, shopping frequency and how much they have spent. This information can be used in conjunction with an existing loyalty program.

•      NPCA Merchant Branded Debit Card fees at $.15 per transaction are substantially less than credit card fees and less than post-Durbin debit card and prepaid card fees. Our $.15 per transaction fee has next business day settlement. The fee includes transaction guarantee with no chargebacks.

•      NPCA’s role is that of the issuer and processor. The cards are sponsored by Western National Bank of Midland, TX pursuant to a license from Pulse Network LLC, a Discover Financial Services Company.

The NPCA Merchant Branded Debit Card is Safe, Simple, and Secure.

•      Merchant branded debit cards are linked to your customers’ checking accounts

•      Used to make everyday purchases

•      Secured with a PIN

•      The card is swiped just as you would a bank-issued PIN debit card-no POS changes required

•      You reward your customer at the time or purchase

•      Each time the card is used, customers receive an email with your branding detailing itemized transactions

•      NPCA provides a customer Internet portal to view transactions and print monthly statements

•      NPCA provides best-in-class customer service support

•      There are no holds placed on your customers’ bank accounts

•      Enrolling does not affect your customer’s credit history

•      There are no bank fees charged to your customers

 

The NPCA Merchant Branded Debit Card is provided to Merchants at a Fixed $.15 Transaction Fee and is a Turnkey Program which includes:

•       Member online enrollment engine

•       Card management system

•       Secure PIN based transaction

•       Program management support – as little or as much as you want

•       Authorization decision

•       Transaction guarantee – no chargebacks

•       Email engine that has frequent contacts with members

•       Next business day settlement of funds

•       Online member self-service

•       Online cardholder statements

•       Online merchant analytics

•       Call center

•       Disputes handling and resolution

•       Regulatory compliance

 

Why the Time to Take Action Is Now.

•       Debit card interchange regulation brings a degree of relief to retailers, but not to the extent they anticipated. Banks are already making changes to checking accounts that will drive consumers away from using debit cards. Consumers will be influenced to use other forms of cards for payment such as credit cards and prepaid cards which are not regulated and in fact may result in higher interchange fees. On a blended basis the net result could be that retailers reap no savings as a result of the Durbin Amendment.

•       Merchant branded debit cards offer merchants an alternative product that results in measurable swipe fee savings immediately. The product helps merchants differentiate themselves, drive more consumers into their stores, and increase revenue.

 

…And You Can Enroll Right Now.

•       You can experience firsthand what your customers will experience by enrolling here.

•       In order to enroll, you will need a driver’s license, U.S. checking account, and internet access.

•       After enrollment you will receive an email instructing you on how to complete enrollment.

•       Complete the online enrollment form and a card will be mailed to you within 7-10 business days.

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