Celebrating Achievement

Celebrating Achievement
Thank You to the 2010
Paybefore Awards Judges
Best Consumer-Funded
Program
—WINNERS—
Travel Money Card
- Commonwealth Bank of Australia
Facecard MasterCard Teen Card
- edō Interactive
- Meta Payment Systems
OptumHealth Bank Health Savings Account
- OptumHealth Bank
Travel Money Card
The Travel Money Card is cost effective, accessible throughout the
world and has the flexibility to load and transfer between multiple
currencies, which has never been seen before.
“The more convenient, simple
and safe way to carry cash when
traveling.”
Facecard MasterCard
Teen Card
• Prepaid MasterCard with
digital incentives
(Prewards)
• Provides tools for financial
literacy education
• Facebook app allows
users to send money to
other members
OptumHealth Bank
Health Savings Account
• Consumers capture significant tax
savings and meet their health care
spending obligations efficiently with
a MasterCard-branded card
• Easy integration with
UnitedHealthcare consumer-driven
health plans
• Pay health expenses three ways:
swipe, signature, ATM
• Turnkey education resources for
employers: OptumHealth Health
Accounts Education Suite
Best Consumer-Funded
Program
Facecard MasterCard
Teen Card
- edō Interactive
- Meta Payment Systems
Best General Purpose
Reloadable Program
—WINNERS—
Green Dot GPR
- Green Dot Corporation
H&R Block Emerald Card
- H&R Block
Walmart MoneyCard
- GE Capital
- Green Dot Corporation
- Walmart
Green Dot GPR
Ground-breaking program features
unprecedented innovation
Industryleading pricing
model
State-of-the-art
design
Free ATMs with
MoneyPass
Free reloads with
direct deposit
1st program to
show card
No monthly fee
for frequent
users
H&R Block Emerald Card
BENEFITS
•
Security
– PIN Protected
•
Cost Effective
– Saves consumers over $60 million
annually in check cashing fees
•
Convenient
– Usable anywhere MasterCard is
accepted
Issued at the Tax Desk or Online
Loaded with Refund Proceeds
Reloadable via Network and Payroll
Walmart MoneyCard
MoneyWise Visa Prepaid
Card
Western Union – i2c Inc. – Meta Payment Systems
• New consumer friendly, reloadable prepaid program
• Targets Western Union customers and prepaid users
• Four convenient ways to load including directly from
a Western Union Money Transfer
• Delivery mechanism for new Overnight Home
Delivery Money Transfer service
• Direct-to-consumer, online and retail marketing
channels
12
Best General Purpose
Reloadable Program
Green Dot GPR
- Green Dot Corporation
Best Network Branded Gift
Program
—WINNERS—
Gift and Greeting Card
- Western Union
- Meta Payment Systems
- FIS
Happy SchenkCard
- paysafecard.com, Wertkarten AG
New American Express Gift Card
- American Express Global Prepaid
Gift and Greeting Card
• New online gifting solution for sending the ‘Gift of Money’
• Combines a Visa Gift Card with a personalized greeting
card and personal voice message
• One of the most convenient and personalized gifts for
consumers
• Covers multiple occasions including birthdays,
anniversaries, thank you and seasonal holidays
• Three shipping options including FedEx Overnight
15
Happy Schenkcard
• Non-reloadable open-loop prepaid card
• Usable wherever MasterCard is
accepted
• Available in Austria and Germany
• Happy Schenkcard meets every taste
for every occasion through its unique
design
• Happy Schenkcard is the ideal present!
New American Express Gift
Card
• Eliminated monthly fees, making American Express
Gift Cards “100% Gift, 0% Fees” for recipients
• Launched new gift card designs including United
Way, Peter Max, Lunar New Year, and customizable
• Comprehensive 360-degree Q4 marketing program
(print, radio, online, in-store)
Best Network Branded Gift
Program
New American
Express Gift Card
- American Express Global
Prepaid
Best Closed-Loop or RAN Gift
Program
—WINNERS—
BP Aral SuperCard
- PrePay Solutions
Downtown Gift Card Program
- Downtown Boise Association
- StoreFinancial
Starbucks Card Program
- Starbucks
BP Aral SuperCard
A unique gift card program in
Germany from BP:
• Innovative card with a full client
satisfaction
• Cards available in-store, online or
via dedicated call centers
• Used to purchase fuel/other
products in-store at more than
2,500 Aral outlets in Germany
• Record in-time implementation
and cost savings
1
Downtown Boise Gift Card
Program
One Simple Solution.
Generated over $1.3 million in revenue since August
2005
Over 34,000 cards sold
RAN program reinforces “shop local” campaign
Starbucks Card Program
Starbucks models innovation and leads in customer loyalty.
Starbucks Cards are double-digit percentages ahead of other
retailers in number of card reloads and average reload dollars.
The PizzaExpress Gift Card
A Gift So Good You Can Eat It
G-T-P Group Ltd - PizzaExpress
• U.K.’s first restaurant gift card
• The PizzaExpress brand in thousands
of new retail locations
• Year-over-year sales increases of
more than 300%
Best Closed-Loop or RAN Gift
Program
Downtown Gift Card
Program
- Downtown Boise
Association
- StoreFinancial
Best Prepaid Program
Marketing
—WINNERS—
Bonus Alimentación/Provis Alimentación
- NovoPayment, Inc.
- Transferencia Electrónica de Beneficios, C.A. (TEBCA)
The Escape Card
- E.Z. Pay/Phones 4U
NetSpend iAdvance Marketing Program
- NetSpend Corporation
- Meta Payment Systems
Bonus and Provis Alimentación
Direct Marketing Campaigns
Direct marketing initiatives have been a primary tool to promote
NovoPayment’s first multi-country food and meal voucher
program. Using innovation and distinctive marketing tools
NovoPayment has established a breakthrough, created brand
awareness and enhanced the strengths and attributes of these
prepaid card programs.
The Escape Card
Prepaid Connects Inclusion with Mobile
Challenge
Challenge
Phones4U wanted to offer a product aimed at
youth and the ethnic minorities and lower socioeconomic communities.
Solution
Solution
The proposition encapsulates a shopping rewards
scheme when purchasing online at over 1,000
retailers
Youth and the underbanked are targeted segments
NetSpend iAdvance Marketing
Program
Responsive to consumer demand for short-term credit
Highly effective, targeted online marketing strategy and
execution:
-Low-cost, high-impact conversion rate
-Amplified open and click-through rate
Everyday Prepaid – Hispanic Marketing
& Consumer Education Campaign
MasterCard
• Audience: Unbanked and underbanked U.S. Hispanics
• Objectives: Awareness, education, acquisition
• Components:
– Grassroots consumer education through community
organizations
– Mass media
– Partnership • Reach: Thousands - classrooms, tens of thousands - WOM,
millions - mass media
29
Sales Accelerator:
The Idea Machine
American Express Incentive Services
Best Prepaid Program
Marketing
Bonus Alimentación/
Provis Alimentación
- NovoPayment, Inc.
- Transferencia Electrónica de
Beneficios, C.A. (TEBCA)
Best Corporate/BusinessFunded Program: B2E
—WINNERS—
Payoneer Prepaid MasterCard
- Payoneer
- Meta Payment Systems
Wal-Mart Associate Electronic Pay Program
- Wal-Mart Stores, Inc.
Yellow Cab Cooperative
smartOne Visa Pay Card
- Yellow Cab Cooperative
- First National Merchant Solutions
Payoneer Prepaid MasterCard
• Customizable mass payment solution
• Dominant international payment method
• Grew 6% monthly (new cardholders)
• Busiest day: loaded 21,235 cards
• Never lost a partner
• Card issued by MetaBank
Wal-Mart Associate Electronic
Pay Program
Saving people money so they can live better.
Yellow Cab Cooperative
smartOne Visa Pay Card
• Solution to pay drivers with smartOne
Visa Pay Card instead of cash
• Eliminates dangers of storing,
distributing and carrying cash
• At end of lease, drivers turn in
cash/credit receipts for settlement
as usual
• Participating drivers receive credits on
specially branded Yellow Cab
Cooperative smartOne Visa Pay Card
Paycard Program
Global Cash Card
Global Cash Card is the proven specialist in paycard
solutions that are simple to implement and easy to use.
PayPal Merchant Debit Card
PayPal, Inc.
• Convenient access to PayPal funds
• 1% cash back on signature
purchases
• No activation, monthly or annual fee
• Several fast and easy no-fee ways
to reload
Best Corporate/BusinessFunded Program: B2E
Payoneer Prepaid
MasterCard
- Payoneer
- Meta Payment Systems
Best Corporate/BusinessFunded Program: B2B
—WINNERS—
Cash Passport
- Travelex
Unlimited Budget
- Carlson Marketing Worldwide
- Avis Budget Group
Visa InsurCard Program
- The Bancorp Payment Solutions Group
Cash Passport
Cash Passport for airline
passenger compensation
Replaces messy cash and voucher
payments and improves customer and
airline experience.
Unlimited Budget
• The Unlimited Budget program was the first rental car
industry solution and has been the most popular
program since inception in 1997
• Travel agents earn U.S. dollars on custom-branded
MasterCard or American Express cards for every
qualified activity
• Additions of Hilton Hotels in 2005 and Carey Limousine
in 2010 increase the value to agents, while reducing
costs for the client sponsor
InsurCard Visa Prepaid Card
• Safe and secure
• Reloadable
• Convenient
• Turnkey
InsurCard Visa Prepaid Card
for insurance claims,
dramatically simplifies claims
payments and reduces
processing costs.
Best Corporate/BusinessFunded Program: B2B
Visa InsurCard
Program
- The Bancorp Payment
Solutions Group
Best Corporate/BusinessFunded Program: B2C
—WINNERS—
Just Energy Prepaid TruCa$h MasterCard
- DCR Strategies, Inc., TruCa$h
Sprint Referral Rewards Program
- Citi Prepaid Services
Verizon Telecommunications
- Parago
Just Energy Prepaid
TruCa$h MasterCard
Sign-up for Just Energy’s commodities and
become a member instantly!
CONGRATULATIONS,
your new JUST ENERGY Prepaid
MasterCard® is here!
• Earn rewards points.
• Convert points to CASH.
• Withdraw CASH balance at any
ATM.
• Enjoy special offers.
• Use at any of the millions of
locations worldwide that accept
MasterCard.
Members receive a prepaid TruCa$h/MasterCard
with incentives pre-loaded on their own personal
card.
Sign-Up
Earn Points Online
Register
10 Day Activation
E-wallet Access
Sprint Referral Rewards
Program
Objectives:
• Boost customer acquisition
• Maintain loyalty
Results:
• 1 million new customers
• 566% take rate increase
• $50 million added revenue
Solution:
• Referral Program with prepaid
cards
Verizon Telecommunications
The TransCard & UPMC/Pitt
Prepaid Program
TransCard, LLC
TransCard developed a HIPAA-compliant prepaid card
program to electronically pay research study
participants at UPMC and the University of Pittsburgh.
Best Corporate/BusinessFunded Program: B2C
Just Energy Prepaid
TruCa$h MasterCard
- DCR Strategies, Inc.
- TruCa$h
Best Corporate/BusinessFunded Program: Transit
—WINNERS—
Commuter Check Card
- Accor Services USA
Petrobras Flota - Ticket Car
- Accor Services Chile
The TransitChek Card
- TransitCenter, Inc.
- The Bancorp Payment Solutions Group
Commuter Check Card
• Pre-Tax Commuter Benefit Card
– Accepted nationwide for commuting-related transit and
parking expenses
– Compliant at merchant ID and terminal ID levels
– Only nationwide fully compliant card available
• Principles of Success
– Compliance
– Ease of use
– Cost saving
– Environmental protection
• Continual Growth and User Adoption
– 1,119 cards in market in 2008
– Today 225,459 cards in market with issue volumes
exceeding $16 million in 2009
Petrobras Flota – Ticket Car
A market innovation from leading gas companies:
•
•
•
•
Manage expenses/fleet with custom Web platform
Drive loyalty
Safe and user friendly
11,200 cards issued/$5.3 million loaded in first 4 months
13
TransitChek Card
• The only anonymous prepaid card designed
specifically for commuter benefits – it’s the
first of its kind
– IRS compliant, terminal-restricted and
requires no personal information
– TransitChek Card has “purses” to
segregate pretax and post-tax amounts
• 55% of customers have ordered the
TransitChek Card since inception
• The TransitChek Card has the potential to
expand card use.
Best Corporate/BusinessFunded Program: Transit
TransitChek Card
- TransitCenter, Inc.
- The Bancorp Payment
Solutions Group
- FIS
Best Government-Funded
Program
—WINNERS—
City of Bogota, Colombia Disbursement Program
- Citi Prepaid Services
Missouri Access MasterCard
- Central Bank
ReliaCard
- U.S. Bank
City of Bogota, Colombia
Disbursement Program
Objectives:
• Fast, secure subsidy
payments to seniors
Results:
• Payments issued to over
100,000 people
• Unparalleled funds access
Solution:
• Personalized Visa Electron
card
• In-person customer service
Missouri Access MasterCard
•
Launched July 2008
•
120,000 active cards in
October 2009
•
Successfully supported
cardholder needs in the midst
of rising unemployment in a
tough economy
•
Estimated taxpayer savings
over $600,000 a year
57
U.S. Bank ReliaCard
U.S. Bank is the leading provider of prepaid
programs to government agencies.
• 24 partners in 14 states
• 3.2 million cards issued and
46 million funding transactions
since inception
• 99.999% industry-leading
proficiency rate
Best Government-Funded
Program
ReliaCard
- U.S. Bank
Best Third-Party Retail
Program
—WINNERS—
ACE Cash Express
MoneyGram AccountNow Prepaid Visa Debit Card
- AccountNow, Inc.
- Meta Payment Systems
- MoneyGram International
Walgreens
- Walgreens
- InComm
ACE Cash Express
•
ACE Cash Express is a leader in alternative financial services to the
unbanked: 1,700 full service offices in 35 states
•
Among the first retail financial services companies to sell GPR cards, selling
its first card on Jan. 7, 2002 in Houston, Texas
•
Since 2002, ACE has pioneered prepaid, selling millions of cards and
offering dozens of different skins and programs to millions of unbanked and
underbanked consumers
•
No other single retail brand that has generated more GDV from GPR cards
than ACE Cash Express
MoneyGram AccountNow
Prepaid Visa Debit Card
• Provides financial freedom to thousands via prepaid
• Within 60 days, 1,000+ MoneyGram retailers offered card
• Hundreds added monthly
Walgreens
More cards per linear foot adjacent to
products with highest sales
correlations
Exclusive packaging, variable denominations
and best-in-class products
Money Centers
NovoPayment
NovoPayment’s Money Centers are a
compelling prototype for stored value
“retail banking” services for the
underserved, meeting the needs of
strategic third parties while operating any
retail or heavy traffic environment.
The underlying platform simultaneously
supports a variety of prepaid programs,
especially those aimed at the unbanked
population - easily one of the most
challenging, yet promising, segments.
Best Third-Party Retail
Program
Walgreens
- Walgreens
- InComm
Best Web Sales Channel
—WINNERS—
GiftCards.com
- GiftCards.com, LLC
GiftCardMall.com
- Blackhawk Network
RushCard
- UniRush, LLC
GiftCards.com Provides
Customers:
•
•
•
•
•
Personalized Visa Gift cards
Greeting cards
VirtualGifts
Discounted retailer gift cards
A user-friendly shopping experience
GiftCards.com
GiftCardMall.com
GiftCardMall.com offers
open- and closed-network
cards, delivered virtually or by
traditional mail.
Offered in a range of
denominations, the cards
can be customized and
personalized.
RushCard
At RushCard.com, prospective members are
equipped with the right tools to take steps toward
better money management and financial freedom.
AccountNow’s ‘Finally Credit
Free’ Website
AccountNow, Inc. – Meta Payment Systems
www.finallycreditfree.com
• Launched to help American
consumers live within their
means
• Socially responsible product
allows consumers to
achieve debt-free lifestyle
Spiffs.com
MTC Performance
•
Consolidates incentive programs
•
One Spiffs.com Visa Prepaid Card
•
Vendors reach more reps
•
Salespeople make more money
•
Shifts rewards from products to cash
Best Web Sales Channel
GiftCardMall.com
- Blackhawk Network
Best Card Design
—WINNERS—
$88 Lunar New Year Gift Card
- American Express Global Prepaid
Crystal Mosaic Cards
- Perfect Plastic Printing
Vanilla Gift Cards
- InComm
$88 Lunar New Year Gift Card
• 2010 is the Year of the Tiger in
the Asian Zodiac cycle
• Card packaged in red and gold,
consistent with holiday ritual
• $88 denomination, symbolizing
good fortune and prosperity
• Available online and in retail
• Marketed through print/online
advertising and in-store
displays
Crystal Mosaic Cards
Vanilla Gift Cards
First to combine foil, embossed dye on
pattern and glitter around
“giftable packaging”
Exclusive iconic artistic imagery, themes
and variable denominations
Buffalo Sabres Season
Ticket Holder Rewards
DCR Strategies, Inc. – TruCa$h
Buy Season Tickets
Get Cash Back
Exclusive Benefits
On the Card
Earn Points
Exclusive Offers
The Buffalo Sabres have teamed up with TruCa$h to initiate a
prepaid stored value and loyalty card program.
ViewSonic Finch Club Dealer/
Distributor Incentive Program
American Express Incentive Services – ViewSonic
Finch Club Online Member Portal
Best Card Design
Crystal Mosaic
Cards
- Perfect Plastic Printing
Best Non-U.S.-Based Program
—WINNERS—
Contactless AlterkArt Program
- Bank Zachodni WBK S.A.
London Borough of Lewisham Disbursement
Program
- Citi Prepaid Services
Vancouver 2010 Olympic Winter Games
- Citizens Bank of Canada
- Vancity Credit Union
Contactless AlterkArt Program
AlterKart - The offline contactless card
Modern, fast and safe payments:
• 3 music festivals
• 220,000 transactions
• 27,000 cards
The future of payments has begun!
London Borough of Lewisham
Disbursement Program
Objectives:
• Find alternative to cash
payment
• Improve service
Results:
• 60% savings per year
• Improved service for
recipients
Solution:
• Prepaid Card program with
Citi and Ticon
Vancouver 2010 Olympic Winter
Games Visa Prepaid Cards
Goal:
Sell our themed Visa Prepaid
Cards in every corner of
Canada. Make “collectible”
cards a new value-add in the
Canadian market.
Achievement:
Largest Canada-wide
distribution through mass retail.
Secret Sauce:
Be nimble, get out early, use
every resource available.
Rêv Drivers Card
Rêv Asia Pacific
From Zero to Sixty
• Launched November 2009
• Sydney International Airport
• Australia’s Taxi Drivers
• 200+ signups in 3 days and growing
Cabbies in the
Driver’s Seat
• Direct terminal-to-card payment
• No cash, no wait, more fares
• Exclusive rewards and discounts
• On-the-spot enrollment
• Ups driver loyalty, lowers cash
risks/costs
Best Non-U.S.-Based Program
Vancouver 2010
Olympic Winter
Games
- Citizens Bank of
Canada
- Vancity Credit Union
Most Innovative Program
—WINNERS—
Facecard Prepaid MasterCard Card Program
- edō Interactive
- Meta Payment Systems
NetSpend Personal Financial Manager
- NetSpend Corporation
PayID Card
- U.S. Bank
Facecard Prepaid MasterCard
Program
• Prepaid MasterCard with
digital incentives
(Prewards)
• Creates purchasing power
for cardholders
• Facebook app allows
users to send money to
other members
NetSpend Personal Financial
Manager
PayID AccelaPay Visa Card
June 2009, U.S. Bank becomes first U.S card issuer to
pilot a single card combining:
• Traditional magnetic stripe purchases
• Visa payWave contactless purchases
• Access to secure facilities
• Identification
MoneyPak and PayPal Joint
Service
Green Dot Corporation – PayPal, Inc.
MoneyPak and PayPal
Revolutionize Online Shopping!
73 million cash-preferring U.S.
customers now have an online
shopping solution.
ReadyCARD Mobile Virtual
Experience
Ready Credit Corporation
Bring up the App: Check your balance
1. Enter an origination
2. View a list
3. Select location info
Find a load location
View recent transactions
Most Innovative Program
NetSpend
Personal Financial
Manager
- NetSpend Corporation
Best Virtual Card Program
—WINNERS—
Billocity
- PreCash
Starbucks Card Mobile
- mFoundry
Ukash Vouchers
- Ukash
Billocity is better
for consumers
Faster payments
Revenue for bill
pay providers
Painless, fast
integration
Accurate and
reliable
Starbucks Card Mobile
In 2009, mFoundry partnered with Starbucks to develop
the first national mobile gift card in the U.S.
Ukash Vouchers
• The simplicity of cash
• Available at over
300,000 global
locations, plus from
mobile and PC
• 26 countries
• Redeemable at
thousands of Web and
mobile sites
96
Best Virtual Card Program
Starbucks Card
Mobile
- mFoundry