Embassy Bankcard's partnership with Payment Alliance International (PAI) provides a unique set of Prepaid solutions and Bill Pay programs for a variety of retail locations that can boost the annual revenues and profit streams for a number of different industries and locations.

With the pre-paid Bill Pay product, merchants can now generate revenue by offering valuable services to their customers while at the same time increasing foot traffic from new customers seeking these specific services.

Prepaid Mall Features

Merchants can:

• accept payments for Domestic and International long distance services
• accept payments for wireless services to be loaded on mobile devices
• sell Visa® Reloadable Prepaid Debit cards can sell a variety of retailers' cards with our Gift Card Mall (merchants must have more than 50 locations to participate)

Bill Pay Participation and Posting Times

Merchants can also accept payments for various National and Regional telecomm, utility, cable/satellite, financial and retail billers with standard and fixed payments. Typical bill payments use a standardized fee structure: the consumer fee and buy rate are all at the same rate. Payments are processed throughout the day and typically have post times of the next or second business day. Fixed payments have fluctuating consumer fees and buy rates depending on the biller. Payments have multiple posting times that can vary from real-time, same day, next or second business day.

Hardware / System Requirements

Merchants participating in the Prepaid Mall and/or Bill Pay program can use an online solution or a variety of POS Devices for processing transactions.

POS terminals that are certified for these programs are: PAI-Trex® (dial and IP versions)
VeriFone® 3740/50 (dial and IP versions) VeriFone VX570 (dial and IP versions)

Program Benefits

• Generates revenue for the retailer
• Increased/repeat foot traffic
• Can be installed on the PAI-Trex and other multi-app terminals (Note: Bill Pay transactions can be accepted on the same Placement terminal available with the Prepaid Mall program)
• Can be utilized through a PC application
• Point of Purchase (POP) materials and racks are provided free of charge
• Complete sales tracking at the terminal level
• New Prepaid and/or Bill Pay products are added regularly
• Our "virtual warehouse" provides an unlimited amount of inventory – no in-store inventory is required
• Largest Bill Pay provider network including National and Regional billers with same day options for consumers

Target Audience for Purchasing Prepaid Cards / Bill Pay Services:

• Un-banked consumers
• Under-banked consumers
• Consumers who need real-time or a convenient payment option
• Consumers purchasing Prepaid cards for gifts

Target Merchants:

• Grocery stores and "mom and pop" markets
• Convenience stores Gas stations Bodegas
• Liquor stores
• Wireless accessory stores
• Game shops
• Electronics stores
• Banks and credit unions Check cashing companies Locations with high foot traffic
• Locations with high un-banked and under-banked customers

Sales Perspective:

The prepaid products can be bundled together or sold separately, as follows:

• Prepaid Mall can be sold with wireless only
• Prepaid Mall can be sold with long distance only
• Prepaid Mall can be sold with Visa Reloadable Prepaid Debit cards
• Prepaid Mall can be sold with the Gift Card Mall if the merchant has 50 locations or greater
• Bill Pay can be sold as a stand-alone product

Any of the products listed above can be sold in any combination.

For some additional information on how adding PAI pre-Paid Mall & Bill Pay Solutions can jolt your retail product offerings and increase profit margins, please contact Embassy Bankcard Soultions at 877-982-0700.

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