Payroll Card Programs

Payroll cards are a cost effective alternative to printing, cutting, and mailing paper payroll checks. The payroll card is reloaded with the value of the employee's wages, allowing the cardholder to use the card at ATM or POS terminals. Offering the same functionality as direct deposit, cardholders enjoy flexible, immediate, funds access 24 hours a day, with or without a bank account

Benefits

Payroll cards offer numerous benefits to both employers and employees, including:

• Easy to put into operation
• Immediate card issuance (new hires)
• Serves the un-banked employee
• All employees qualify
• No waiting in line for payroll checks
• Payments made directly to cards
• Eliminates fraudulent checks
• Use wherever MasterCard debit cards are accepted
• Reduced fees for money transfers
• Share money with other Secure Bilt- cards
• Secured with unique PIN code

Private Label Card Programs

In general, private label card programs are beneficial to large companies, associations, or organizations because they provide an alternate source of income, while at the same time increasing brand awareness and building stronger relationships with customers or members. Since this type of program requires its own Bank Identification Number (BIN), it allows the organization or group more control over the program and more opportunities for customization. Moreover, because the cards can feature custom designs and logos, they function as an additional promotional tool.

This type of program requires market research, needs analysis, a detailed program outline, and a strategy for deployment. Our team will assist with every aspect of the program including, finding a card issuer and a processor, developing a marketing plan, conducting cost analysis, and supporting roll-out. Our goal is to ensure that when opting for a customized program, your needs are fulfilled, your goals are achieved, and the program is successful.

Benefits

• Provides members or employees with a fully functional and widely accepted card-based financial tool
• Creates a supplementary source of revenue
• Can become a powerful addition to your marketing mix

Design & Creation

The possibilities for card designs are virtually unlimited, and a well designed card can be a very effective branding tool and an important addition to your marketing mix. We will provide assistance with the card design and creation in the following ways:

• Creation of a card layout that meets MasterCard specifications
• Submittal to Issuing Bank(s) and MasterCard for approvals
• Contracting card art proofs to appropriate plastics providers
• Find qualified Plastic Provider(s), gather quotes, make recommendations, and finalize contracts
• Proof review with Client
• Proof submission to MasterCard
• Secure acceptance of Client card art by Issuing Bank(s) and MasterCard
• Have Plastics provider print 20 proof cards for Approval process

Pricing

At Secure Bilt we pride ourselves on our ability to offer our clients some of the most competitive pricing in the industry. However, since each client has specific needs and each card program is unique, it is necessary for us to conduct an initial consultation in order to determine which solutions will best meet your requirements.

Pricing is based on a variety of factors and are likely to include some or all of the following:

• A Set-up Fee, which is a one-time charge collected initially
• Monthly Fees, which are payable each month
• Transaction Fees, which are paid on a per transaction basis
• Card design
• Card stock

Prices for our supplementary services, such as consulting and program management, are billed as separate charges in addition to the aforementioned.

Management

Managing a card program can often be a time consuming and labor intensive task, therefore many of our clients choose to leverage our extensive experience by allowing us to fully or partially direct their programs. We offer a customized approach to program management, meaning that we tailor our services to meet the unique needs of each individual client and program. We can be counted on to effectively manage any or all of the following:

• Program monitoring and cost control
• Risk management
• Security
• Customer service
• Training
• Marketing and brand awareness
• Client acquisition and retention

A card program that is properly managed will run smoothly and has the potential to be very profitable.