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. TD Debit is the private-label debit program, designed to create "stickier" customers through a payment and loyalty experience. HostGator — $2. Balance Transfer fee: 4% of each transfer amount, $10 minimum. For example, banks also issue debit cards and prepaid or stored value. 50 will take 396 months [33 years] to pay off the balance and cost $36. Beck’s DebitPay is an upgrade to Beck’s Rewards, allowing you to pay with your Beck’s Rewards card. com's offering. Buy now, pay later settlement. *Subject to card design & implementation. Prepare to abide by a long list of rules and regulations when you start a private-label card program. 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. Simplified bill payments. An affinity card is similar to a co-branded card because it also involves two parties, one of which is a financial institution. To ensure your protection, your LASSUSGO Debit + Rewards 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. The private label credit card exception exempts card issuers from submitting certain agreements to the Bureau regardless of the card issuer's overall size as measured by total number of open accounts. All personal data is encrypted in real time. Both offer 5% cash back on the grocer’s private-label products and 1. As a leading issuer of prepaid cards in the country, we collaborate on prepaid solutions of every type, including the following: Gift. Whatever your industry. The grocer debuted the card, which offered savings on private-label products and added fuel rewards, in February 2019. Almost 70% of gift card recipients spend 60% more than the value of the gift cards than when they’re spending their own money. The annual fee is $0. It doesn’t take long to set up and makes it easier to cover costs needed for all your projects, fund raisers, and events. Essentially, businesses use these cards to set markups and profit from every. S. a . For example, many brands will accept returns without a receipt if a prepaid debit card has been used for payment. 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. Download our eBook to explore how churches can use technology to elevate their missions. From email communications to the name of your debit program (BurgerPay?) your customers will be integrated into your branding like never before. 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. Intercash is one of the world’s leading providers of global payment solutions, with a special focus on white-label card programs. White label banking is a type of banking solution. Co-branded credit cards are issued by a financial institution — usually a bank or credit union — in partnership with a company, organization or brand. Better customer experience. by PaymentsJournal. Methods for soliciting and enrolling customers for a retailer payment instrument are disclosed. Data Download Program; Bank Assets and Liabilities. To report fraud or if you have a general consumer complaint, you may file a complaint with the Attorney General’s Consumer Protection Division. 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. com. Credit. 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. Credit Card Program Agreement. Personalize the look and feel of your physical and virtual cards with custom logo design, carrier, messaging, signature, and graphics that reinforce your brand. Toll free: 877-765-8388. The method further includes using the solicitation. Starting your own NeoBank should not take 12-18 months or require large amounts of paid up capital. 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. Reloadable & Single-load options available. 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. Versatility is another huge perk of a white-label debit card. 0% APR for 12 months on purchases and balance transferDownload the brochure. Related to Private Label Credit/Debit Card. label issue Debit Card Management Services S D Master Trust Sea Account - ebi Cards & Net-Zero Pass- Cardholders S C Through Database SeaH-E-B Launches Credit Card to Drive Private Label Sales. This PRIVATE LABEL CONSUMER CREDIT CARD PROGRAM AGREEMENT is made as of June 15, 2010, by and between Nautilus, Inc. Expand your market offering with an on-demand, scalable solution for fast and simple 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. 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. The method further includes using the solicitation. 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. Star Money expires 30 days after issuance. 23, 2023 (GLOBE NEWSWIRE) -- The "Private Label Credit Cards in the U. Best Debit Cards That Offer Cash Back November 2023. Our platform supports any card form factor and flavor to give your programs a custom feel for any. Celebrity debit cards featuring R&B singer Usher, actress Hilary Duff and even cartoon characters such as Hello Kitty have been. 58(c)(5). Within the European Economic Area (EEA), the cap for interchange fees is set at 0. Allied Specialty Co. Liquid Web — Get up to 85% Off Managed Hosting. Kind Code: A1 . Dive into our APIs and get ahead with real-time disbursements. Methods for soliciting and enrolling customers for a retailer payment instrument are disclosed. Ease of use is a crucial component of why card linking is so important and creates a better shopping experience for the customer. Finally, there is a truly integrated, all-in-one, easy-to-use solution for your entire congregation. 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. 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. Partner with a trusted, global payments leader. and an industry leader in prepaid card programs specifically designed for unaffiliated merchant. And in certain scenarios, they’re actually a better choice, particularly when rewarding a customer as part of a rebate program. Personalized solutions for your own needs. Many choose to live and do business away from their nation of origin. The bank provides the funding for the transactions, while the retailer handles marketing the cards and encouraging credit card applications. For example, customers can earn points for every purchase they make with their debit card, which can be redeemed for discounts or free products. Always Secure. It evolved into the Target Debit RedCard, which dangles an incentive of 5% savings on the total purchase amount as an incentive. Another three debit and seven more phone card programs are scheduled to debut before the end of the year. Developer of bespoke debit card programs. Deliver private label and co-branded card programs that drive sales and build loyalty. Posted: March 10, 2023. Check the balance in your account. 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. We also handle risk management and fraud detection on your behalf. Our debit cards are best-in-breed and provide all the functionality you would expect from this powerful form of payment. It allows you to easily send and receive money, track spending, and access other features. Merchants must deposit into a single Chase bank account to be eligible. PEX offers the ability to distribute prepaid cards and then can track all the payments the cards are used for in one place. With leading payments and card programs backed by an all-purpose general ledger and dedicated program support, partners can leverage a unified solution that powers all the critical building blocks to accelerate innovation and launch world-class products. Enjoy the benefits of using the Visa Payroll Card. between debit debit card acceptance, which can lead to card interchange or merchant discount fees and the ACH fees charged to the merchant by its bank. With a credit card, your liability for fraudulent charges is generally capped at $50. Some popular examples of private label credit cards are the Amazon Store Card, Target REDcard, and many other store credit cards or retail cards. With unprecedented expertise in the field, we are the engine behind hundreds of private label debit payment and loyalty programs. This orchestration engine consolidates all payment methods, from domestic payment processing to instant fund disbursement and cross-border remittances. 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. WHITE LABEL DEBIT CARD ISSUING We offer access to numerous primary issuers and providers of VISA®, MasterCard® and UnionPay® programs. Our. The funds are deducted directly from the user's linked bank account. You must also consider data security and the staffing. Withdraw cash. The system for private-label cards is similar to regular credit and debit cards. com with a Macy’s Credit Card, less returns, credits, discounts, and adjustments. A monthly minimum payment of $212. Credocard co-branded cards are used in more than 30 million locations globally. 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. Private Label ATM Debit Card. To ensure your protection, your Speedy debit-enrolled Q-Rewards 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. Imagine the ideal card for your payment program, we create its design and have it validated with Mastercard® and regulators. Private label debit payment processor Zipline helps merchants build consumer loyalty and market share with private label debit, rewards and gift card programs, enabling them to strengthen their. Corporate disbursement. That's billion, with a B! Many of the gift card sales are moving online with the growing popularity of egift cards, which is a great opportunity for you to start making money with your website. Think Optimus. 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. ZipLine helps merchants build consumer loyalty and market share with custom debit payment, rewards, and gift card programs. Co-branded debit card programs. Branded Reloadable, Prepaid and Virtual Debit Cards. Private label debit cards are also beneficial to retailers as transaction costs are generally less than those of credit card purchases. Plans free and up. Reduce costs, such as check processing – and boost engagement by enabling global use. It. And, yes, it can also save retailers hundreds of thousands of dollars a year in credit card processing fees. Includes prepaid. Therefore, users can use the co-branded credit card to earn. A white-label prepaid card can give firms the ability to create loyalty programs, gather customer payment data, and produce attractive and eye-catching brand. Buy now, pay later settlement. Same-day deposits with no extra fees. Incorporating a white-label corporate credit card into an enterprise expense management program is advantageous for both employees and employers. , a subsidiary of Safeway that. Historically, private label and co-branded credit cards were a win-win proposition. You might choose to simply reward a participant with a check, or by transferring funds into their account via. We also handle risk management and fraud detection on your behalf, along with a 24/7 support for you and your clients. The platform provider handles all aspects of the gift card program, including the creation, distribution, and management of digital and physical gift cards. If you’re using a different form of payment, you can either swipe your Express Rewards card or enter your phone number at the. 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. Here are a bunch of debit card programs. These are single purpose cards that are designed to perform specific transaction types, such as purchases, deposits and transfers within a predefined merchant, terminal or acquiring network. White label card issuing. Building blocks for the perfect card program. Brand and launch your digital wallet—no lengthy development work. Comprehensive. When it comes to managing private label cards, it usually costs a lot of money and is subject to a lot of regulations. We have also added unsecured personal loans, auto financing and mortgages to our focus areas. Here are just some of the ways a white label prepaid card could be your company’s next smart move. 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. Unlike a private label credit card that can only be used by one retailer consumer, you can use the co-branded credit card at any location as long as they’re within the network of affiliates. To ensure your protection, your AdvantagePAY 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. Best Way to Pay. How White Label Business Debit Cards Work. Examples of businesses that are using white label card solutions successfully include loan services who use the cards to transfer funds or cryptocurrency exchanges, who may offer debit cards for. Card issuing API. Private-label products are produced for retailers by third-party manufacturers, then sold under a retailer brand. By. Examples for co-branded credit cards: Delta Skymiles issued by American Express Created specifically for large merchants, MDEX is especially useful for merchants who process at least 500,000 Visa card payment transactions per month, use a central processing platform and require speed at the point of payment. 4 2 Points per $1 Spent (Silver): Macy’s Credit Cards with Silver status earn 2 points per $1 spent on Rewards-Earning Purchases at Macy’s, Macy’s Backstage, and macys. Government payments. To ensure your protection, your Yespay™ 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. Configure and manage all your virtual or physical debit and prepaid card products with a. 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. 1(a) of the Agreement, thereby agreeing that the Amended and Restated Private Label Credit Card Program Agreement dated. Define Comparable Private Label Credit Card Programs. Private Label ATM Debit Card. The central computing network includes a solicitation processor and a comprehensive negative check file. We have the most extensive program offering ranging from virtual cards, POS financing, digital banking, payroll and many more. . . Global payment solutions tailored for your business. ZipLine’s Profile, Revenue and Employees. Co-branded cards can be used. Methods for soliciting and enrolling customers for a retailer payment instrument are disclosed. 15% for debit cards and 1. Credocard co-branded cards are used in more than 30 million locations globally. Payroll. The method further includes using the solicitation. It provides an electronic alternative to checks or cash, and creates an electronic payment that is safe, reliable, and convenient. Star Money expires 30 days after issuance. Today, ZipLine is a private label debit card and rewards provider that processes six million transactions a month for clients including convenience-store chains Irving, 7-Eleven and Circle K. While customers can only use private-label cards within the brand’s ecosystem,. Program participants accumulate dollars on their debit cards for meeting performance objectives established. Let's Connect Empower your card issuance with OmniWire's customizable, API-driven solutions for quick and secure processing. Always Secure. We're here to offer a card that is taiored to your business. Your call. 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. Abstract: Methods for soliciting and enrolling customers for a retailer payment instrument are disclosed. Estimates. Delve a little deeper and you’ll find that there are numerous different types of pre-paid, debit and credit cards out there, including private label cards and co-branded cards. Cash Advance fee: 5% of each advance amount, $10 minimum. Contact Clare: [email protected] is also a best practice for your prepaid, debit and credit card programs. NetSpend processes branded and private-label prepaid debit card products. One of the advantages of using a private label credit card is that it. 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. g. Global Debit Cash Card, Inc. We help you optimize card issuing expenses and provide same-day shipping for a wide variety of card products, designed for private or legal entities. As we provide you with a card having your logo and other features associated with your brand, your company awareness is guaranteed. Morgan Purchasing Cards to manage your procurement spend, streamline your B2B payments and set controls for business purchases with these P-cards. Prepaid Credit cards and debit cards partnerships. Designed in partnership with Clay. All personal data is encrypted in real time, and every transaction. The annual membership fee for ProAdvantage Premium is billed to the payment of choice when joining the program. VISA Prepaid card line includes several types of prepaid cards with special features: tourism, youth, gift and virtual cards for online shopping. Save time and resources by launching your startup with white label card program using an existing platform. 8. ZipLine offers private label debit card and mobile payment solutions to retailers looking to create more loyal customers. All personal data is encrypted in real time, and. Custom reports can be created and expenses can be easily managed and analyzed. There are multiple options available to you when it comes to implementing an incentive program. 08% of all purchases (minus returns) made with the card and $3 for each yearly card renewal (the card. Online complaint form. White-Label Debit Card Programs. In exchange for using the cards for company-exclusive payments. FlockBase - Best for donor management. Find out how we can customize any of these. White label banking accelerates the builder’s go-to-market strategy by removing. Bank, which issue. It is a different world today than it was even a generation ago. Backed by over 15 years of. Drive activation and use with targeted offers and rewards. The Bancorp is the first bank to fully operationalize prepaid debit and credit card sponsorship and private-label banking on a large scale. To ensure your protection, your Irving Debit 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 regulations of the Federal Reserve. 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. The commission and transaction fees that this brings also create a useful new revenue stream. By providing its consumers with branded debit cards and fuel discounts, RaceTrac will build its brand loyalty with every. has leveraged Zipline’s private label debit platform to launch AdvantagePay in its GetGo Café + Market locations. 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. Private label banking is a type of financial service that provides customized solutions to financial institutions, allowing them to offer banking products and services under their. Product Configuration: Configure fees, transaction limits, allowed transaction sets, validation rules, payment cycles, credit/debit card association compliance, and attach. Bundling ZipLine’s private label debit and mobile payment application with the PDI Marketing Cloud Platform gives merchants added ability to increase the engagement of loyalty program members. Language links are at the top of the page across from the title. Execution Copy . Who We Are. Bundling ZipLine’s private label debit and mobile payment application with the PDI Marketing Cloud Platform gives merchants added ability to increase the engagement of loyalty program members. Private Label Prepaid Debit Cards | Apt Pay. -based PDI to bundle ZipLine’s private-label debit and mobile-payment app with its Marketing Cloud Platform. You will see the price per gallon rollback on the pump. “FDS Credit Card” means a Co-Branded Credit Card, a Private Label Credit Card or a Credit Card linked to a Prepaid Employee Account. 3% of the transaction amount for consumer credit cards and 0. During white label card issuing, one company manufactures a banking product, such as a debit or prepaid card, and then sells or grants the use of that product to a second company. We help you optimize card issuing expenses and provide same-day shipping for a wide variety of card products, designed for private or legal entities. When it comes to white label card issuing, there are plenty of options available. In Australia, interchange. domestic deposit, prepaid debit. Co-branded debit card programs. Private label debit cards make shopping more convenient for customers. All personal data is encrypted in real time, and every transaction is PIN protected. Private label Debit Card Issuer Sub-Trust OO75-0004-04568 1234-4567-89. White-label debit cards provide accessibility to a larger population, including those. DONATION - Best for small churches. 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. Also called a store credit card or a closed loop credit card, private label credit cards are credit cards that can only be used at one particular store or merchant. Private-label debit cards are a type of payment card used to make purchases, withdraw cash, and link to bank accounts. It streamlines processes, eliminating the need for manual tasks like expense reporting and payroll management. 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. Funds available on prepaid cards within minutes. “We have made the decision to discontinue our Kroger Rewards. Payments solutions backed by service power the Primax’s growth engine for clients. Top Featured Private Label Credit Card Suppliers on Thomas—Company Summaries. You may not know it, but by using one of these. Credit Card Rewards Battle Continues as Customers Seek Better Programs, J. Our Leadership. When it comes to market saturation, private label credit cards have certainly reached it. Virtual private label cards provide three distinct advantages: These cards are more convenient. Your cardholders can: Spend crypto anywhere debit cards are accepted. Showcase your brand with ConnectPay VISA debit card white-label solution. 5% on other purchases at its stores. PDI expands its loyalty offering by integrating private label debit and mobile payment technology. Abstract: 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. Pittsburgh-based GetGo Café + Market has leveraged AdvantagePAY, Zipline’s private-label debit platform in all of its more than 250 locations throughout. These platforms allow businesses to offer their. This report covers the U. 3;. 22: Your Processor Markup: Varies: Total: More than 0. It allows users to spend money from their online PayPal accounts at any. More on white-label solutions. Replatform your solution. To start, they offer a $60 Bonus Note to use for purchases, and two points per dollar spent. Store-branded (or private-label) credit cards are offered by retail stores or restaurants and can usually only be used at the store or restaurant that offers the card. A white-label prepaid card can give firms the ability to create loyalty programs, gather customer payment data, and produce attractive and eye-catching brand. But in today’s competitive issuer market, cookie-cutter programs just won’t cut it. This company puts its logo and branding on the product and has some. White-label Digital Wallet. To ensure your protection, your LASSUSGO Debit + Rewards 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. We’ve partnered with ZipLine, the leader in private label debit card payments, to process all Beck’s DebitPay transactions. One such solution gaining popularity is the white label crypto loading platform and debit card program. In terms of how rewards are actually delivered, you have lots of options, too. Box 30213. AptPay has developed a comprehensive ecosystem that combines payment and compliance services. Custom reports can be created and expenses can be easily managed and analyzed. Primax’s comprehensive, highly integrated payments solutions include credit, debit, ATM and prepaid card programs, risk management, data analytics, marketing and strategic consulting, mobile platforms and loyalty programs tailored for financial institutions. 2019, and 2020. By entering your email, you agree to receive marketing emails from Shopify. Portland, Maine-based ZipLine helps merchants build consumer loyalty and market share with private-label debit, rewards and gift card programs. 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. Unlike traditional debit cards, white-label prepaid cards offer the same functionality as traditional debit cards with added benefits. Examples for co-branded credit cards: Delta Skymiles issued by American. For example, VISA operates a VISA. Citi Retail Services is one of North America's largest providers of private label and co-brand credit cards for retailers. That will afford merchants the ability to increase engagement with their loyalty-program members, PDI says. United States Patent Application 20130232004 . February 3, 2020. A potential problem for an international business company (IBC) is paying employees who may work in many different nations distant from where the IBC does its banking or has its head quarters. 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. Incorporating a white-label corporate credit card into an enterprise expense management program is advantageous for both employees and employers. 1 . This Amended and Restated Private Label Credit Card Program Agreement is made as of May 14,. Rewards and Benefits. T. There is no longer a requirement to commit to 5000+ cards to obtain your own branding. 2. | Learn more about Jill Boova's work experience, education, connections & more by. 5. Consumer Protection Division. Methods for soliciting and enrolling customers for a retailer payment instrument are disclosed. The white label nature of the platform means that the branding and. Power Finds (Aug. Comprehensive debit card processing. Anedot - Best for multi-church fundraising. Others have thunderstorms, kittens, or are setup so that individualized designs can be printed on demand. ZipLine’s primary competitors include ACHQ, FlashBanc, Merchant Solutions and 13 more. Increase revenue. On the other hand, the retailer will avoid payment processing fees, which translates to more profits. The system for private-label cards is similar to regular credit and debit cards. GetGo guests can enroll in the AdvantagePay program using their Giant Eagle Advantage Card. For SME owners, customer loyalty and employee perks are vital. Rewards and Benefits. Best Way to Pay. Promotional financing. How do you save money? Pay just a simple, flat per-transaction fee. Optimize cash flow the clever way. S. API and SDK. [1] [2]. Private label debit cards are also beneficial to retailers as transaction costs are generally less than those of credit card purchases. To the consumer, SmartPay is a mobile-enabled smartphone app that incentivizes purchases at Cumberland Farms and makes transactions easier. Free Prepaid Debit Business Consulting - StoredValue Plus Prepaid Debit Card Program Consultants. The third-party partner (or private label credit card provider) assists in several areas, including issuing, funding, and payment collection. Launched first foreign gift card program in Pakistan. Private label cards are almost like reward cards or store loyalty credit cards and debit cards or even business credit cards. Thus, private label credit cards can provide opportunities for your customers to earn loyalty points that can be used for discounts on future. 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. is now offering a loyalty program for your c-store pos system, along with a private label debit card program for your customers at the pump The EZ Pay Pump program offers a custom loyalty program for your POS and outside transactions allowing your customers the ability to earn loyalty points for free merchandise and discounts on select products. Because private credit cards are managed by banks or financial institutions, they offer exactly the. * Indicates required field.