The Proprietary Card Program
What is an ACH Proprietary Card Program?
An ACH Proprietary Card Program 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. 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.
ACH Proprietary Card fees are substantially less than percentage based fees charged by traditional credit and debit card networks. ACH Proprietary Card transactions are processed by National Payment Card Association (NPCA - www.nationalpaymentcard.com). NPCA is not associated with credit or debit card banking institutions. ACH Proprietary Cards settle transactions from enrolled consumers who have provided NPCA with access to funds in their checking accounts so they may pay for fuel or in-store purchases.
| An ACH Proprietary Card: |
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Reduces your card acceptance costs. |
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Builds store traffic by providing an immediate price roll-back reward at the time of purchase. |
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The rewards are funded by passing a portion of the transaction savings back to your consumer to change payment behavior. |
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Recapture ownership of your customers from credit and debit card companies |
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Early adopters gain a competitive edge in the marketplace. |
| Why should I become an ACH Proprietary Card Retailer? |
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Pump profit back into your business and influence consumer behavior. |
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Stop credit card and bank transaction fees from destroying your profits. |
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Shift credit card fee expenses into a traffic building program to give you a competitive edge. |
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Recapture ownership of your customers from credit and debit card companies. |
Interchange fees cost American consumers nearly $2 of every $100 they spend using credit cards. As you are painfully aware, Interchange fees cost retailers 1% - 4% and have increased over 130% since 2001. Interchange fees are the 2nd highest store level cost behind labor. The ACH Proprietary Card is a tool retailers can use to compete with bank based payment systems. The ACH Proprietary Card program takes money from the credit and debit card companies and gives it back to you and your customers!
Become an ACH Proprietary Card Merchant!
You can get a personally branded ACH Proprietary Card by contacting National Payment Card or through your VeriFone, Pinnacle, Gilbarco or Radiant POS distributors. The process is simple:
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Request and complete the ACH Proprietary Card applications |
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Merchant Services Agreement |
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ACH Application |
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Install the National Payment Card “Transaction Router” and set up the POS |
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Order and set up ACH Proprietary Card marketing materials at your store. NPCA offers a marketing package which includes originally branded materials to meet your needs. |
How much does it cost to install the ACH Proprietary Card program?
The ACH Proprietary Card program costs vary depending on your POS. For as little as $2,500.00 per store you can order the point of sale marketing materials that will drive consumer acceptance. Installation of the NPCA Transaction Router varies greatly depending on your POS. The system can cost as little as $200.00 which is the cost of the Transaction Router. There is a $95.00 set up fee required with your application. There is a $25.00 minimum monthly transaction fee.
What about Consumer Rewards?
Please contact National Payment Card to speak to an account manager to discuss how you can use the savings from credit card interchange “fees” to pay for your traffic building program:
Main Office 954.449.9540 |
