Getting it right. Fiona Duncan Head of Prepaid Centre of Excellence Visa Europe. Information Classification as Needed
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1 Getting it right Fiona Duncan Head of Prepaid Centre of Excellence Visa Europe For Visa Member Use Only This information is not intended, and should not be construed, as an offer to sell, or as a solicitation of an offer to purchase, any securities
2 Visa Prepaid Public Sector Products Employee T&S Charity Disbursements Central Government payments Education expenses Local Authority payments Prepaid cards are a relatively new development in the European public sector but growing fast Presentation Identifier.2 Prepaid Commercial February 2010 For Visa Member Use Only 2
3 Visa offers a range of Prepaid products Time to market Closed Loop Visa Private Label Visa Selective Authorisation Visa Open Loop Merchant Base Presentation Identifier.3 Prepaid Commercial February 2010 For Visa Member Use Only 3
4 Visa Prepaid Products Product Category Description Visa Branded Visa branded prepaid products Selective Authorisation Visa branded prepaid cards that are restricted at the merchant and/or MCC Prepaid Private Label A payment card without a payment network brand restricted acceptance Presentation Identifier.4 Prepaid Commercial February 2010 For Visa Member Use Only 4
5 Closed Loop versus Open Loop Parameter Private Label Selective Authorisation Acceptance Limited (closed loop) specific merchant agreements required Limited (closed loop) MCC or small number of merchants Universal Visa Branding No use of Visa brand Required Required BIN Type Dedicated Prepaid Private Label BIN Standard Prepaid BIN Standard Prepaid BIN Governance Private Label Guidelines Operating Regulations Operating Regulations Access to Visa Promotions Not Available Available Available Reporting Requirements None to complex None to complex None to complex Presentation Identifier.5 Prepaid Commercial February 2010 For Visa Member Use Only 5
6 What is Visa Prepaid Private Label? Visa prepaid private label cards are : Closed loop cards processed over Visa Systems Cards which do not carry the Visa mark or logo Accepted in a defined and limited merchant environment Presentation Identifier.6 Prepaid Commercial February 2010 For Visa Member Use Only 6
7 What is Visa Selective Authorisation? Visa selective authorisation cards are : Cards with restricted acceptance processed over Visa Systems Cards which carry the Visa mark or logo Accepted in a defined and limited easily communicable merchant environment Presentation Identifier.7 Prepaid Commercial February 2010 For Visa Member Use Only 7
8 What is Visa Open Loop? Visa open loop cards are : Cards without restrictions processed over Visa Systems Cards which carry the Visa mark or logo Accepted everywhere Presentation Identifier.8 Prepaid Commercial February 2010 For Visa Member Use Only 8
9 Government Payment Cards Central Government Local Government Payroll Benefits Retirees/Pensioners Employer Payroll Benefits Retirees/Pensioners Petty cash Purchasing T&E expenses Relocation expense Administrator Petty cash Purchasing T&E expenses Relocation expense Social benefits distribution Child support Emergency assistance Distributor Social benefits distribution Health care services Transit subsidies Child support Emergency assistance Presentation Identifier.9 Prepaid Commercial February 2010 For Visa Member Use Only 9
10 Prepaid drivers in the Public Sector Improved Reporting and Audit Trail Improved MI and payment tracking Cost Effectiveness Costs must be fixed and upfront quantifiable Improved Security Reduced cash distribution leads to improved security for both public sector departments and the citizen PREPAID DRIVERS Social Inclusion A product accessible to all Increased Efficiency Increased productivity of Public Sector departments from the removal of manual processes Improved Citizen Experience A more convenient product for the end user Presentation Identifier.10 Prepaid Commercial February 2010 For Visa Member Use Only 10
11 Central and Local Government Disbursements Regular Benefit Disbursements One-Off Payments Temporary Worker Payroll Applicable to a diverse range of regular government payments : Child benefit payments Unemployment benefit Invalidity benefit Pension payments Housing benefit Applicable to a number of central government run schemes which support : Job seekers clothing allowance Home furnishing allowance Emergency cash grant Winter fuel Public Sector departments employ large numbers of temporary and seasonal workers payroll cards are ideal for paying salaries to these employees. Presentation Identifier.11 Prepaid Commercial February 2010 For Visa Member Use Only 11
12 Product Features Card replaced if lost or stolen Core features & functionality Immediate access to funds for the recipient Customer service and support available by web and/or phone Accepted at any Visa merchant location (in-store, online, phone) and ATMs Visa disposable or reloadable prepaid card Presentation Identifier.12 Prepaid Commercial February 2010 For Visa Member Use Only 12
13 Travel and Subsistence Cards Target customer segments What are they used for? Given to employees to cover irregular travel and subsistence Can also be used for emergency cash advances/payments/petty cash Employers can load a set amount of value to cover the anticipated travel/expenses for a particular trip Can be issued on an ad-hoc basis Can be given to employees to cover relocation expenses Presentation Identifier.13 Prepaid Commercial February 2010 For Visa Member Use Only 13
14 Charity and Educational Grant Disbursements Charity Payments Educational Grants Charities make both regular and one off payments to cover : Emergency cash grants Purchase of specialist equipment Supplementary benefit payments Students and young people receive regular and one off payments to cover : Tuition fees Living allowances Additional grant payments Presentation Identifier.14 Prepaid Commercial February 2010 For Visa Member Use Only 14
15 Visa Open Loop Leaving Care Service, Citibank and London Borough of Lewisham Reloadable Citibank prepaid product Helps recipients budget, manage expenses online and eliminates risk of carrying cash Enables remote loading of funds so recipients don t need to travel in and the council does not need to transport and manage cash Social inclusion for recipients Results : Delivered 62% annual efficiency savings, reduced risk, enables better money management Presentation Identifier.15 Prepaid Commercial February 2010 For Visa Member Use Only 15
16 Visa Selective Authorisation Becta Home Access, A government drive assisting low-income families without compute/internet access to get online at home. Eligible families are issued a card they can then use to buy their package from a range of approved suppliers either in store, online or over the phone using the Home Access Grant Card provided Results A effective solution for benefit distribution via defined retailers Presentation Identifier.16 Prepaid Commercial February 2010 For Visa Member Use Only 16
17 Visa Private Label Azure Card, UK Borders Agency Launched in Q Issued on behalf of UK Borders Agency to Asylum Seekers whose claims are pending appeal Card based programme to fulfil asylum seekers benefits Replaces vouchers which were being traded for cash 35 per week loaded onto card Results : A great example of a Public Sector use of Private Label to make benefit payments Presentation Identifier.17 Prepaid Commercial February 2010 For Visa Member Use Only 17
18 Visa Private Label Issuer / bank Piggyback onto existing acceptance network Rapid implementation Replaces outmoded methods, eg paper vouchers New revenue Need to be able to filter transactions Merchant agreement required Retailer Ease of acceptance Easy to form coalition of participating merchants Rapid payment & payment guarantee Incremental sales Staff training required for acceptance Cardholder Convenience of plastic Fulfilment of the benefit associated with the programme Need to educate the cardholder on where product is accepted Presentation Identifier.18 Prepaid Commercial February 2010 For Visa Member Use Only 18
19 Visa Selective Authorisation Issuer / bank Piggyback onto existing acceptance network Rapid implementation No new merchant agreements Replaces outmoded methods, eg paper vouchers Need to be able to filter transactions Retailer Ease of acceptance Easy to form coalition of participating merchants Rapid payment & payment guarantee Incremental sales No staff training Cardholder Convenience of plastic Fulfilment of the benefit associated with the programme Need to educate the cardholder on where product is accepted Presentation Identifier.19 Prepaid Commercial February 2010 For Visa Member Use Only 19
20 Visa Open Loop Issuer / bank Utilising the Visa acceptance network Rapid implementation No IT development Replaces outmoded methods, eg paper vouchers New revenue No new merchant agreements Retailer Ease of acceptance Easy to form coalition of participating merchants Rapid payment & payment guarantee Incremental sales Cardholder Convenience of plastic Fulfilment of the benefit associated with the programme No cardholfer education accepted anywhere that Visa is. Presentation Identifier.20 Prepaid Commercial February 2010 For Visa Member Use Only 20
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