EBT 101 by Melissa Wolfe, Ohio Farmer's Market Conference 2014
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Outlines the basis for farmers markets in Ohio to accept food stamps via Electronic Benefit Transfer cards.
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EBT 101 by Melissa Wolfe, Ohio Farmer's Market Conference 2014
- 2. Topics SNAP? What is EBT Benefits Things to Consider Application How does it work Advertisement Online Directory Contact Info EBT 101
- 3. SNAP? 2008 – FS to SNAP, OH=FA The United States Department of Agriculture (USDA) Food and Nutrition Services (FNS) provides funding for Supplemental Nutrition Assistance Program (SNAP) benefits for each state. EBT 101 Ohio benefits are county-issued and state monitored
- 4. What is EBT Electronic Benefit Transfer is the process where Food Assistance benefits are electronically transferred from the recipient’s account to the retailer’s account when the client is purchasing eligible food items. Ohio Food Assistance benefits are issued via the Ohio Direction Card *to see a list of food items eligible for purchase using Food Assistance benefits, visit http://www.fns.usda.gov/snap/eligible-food-items EBT 101
- 5. Benefits of Accepting EBT New customers – expand your customer base Increased sales Improve local economy Promote healthy food choices EBT 101
- 6. Things to Consider 1. Setup: • Equipment & utility costs • Market procedures • Design & create market materials 2. Operating and Labor Costs • Staff/Volunteers • Farmer agreements • EBT/SNAP training • Continued promotion 3. Record Keeping • Track aggregate totals monthly, yearly, and by vendor • Track returns and credits – EBT customers are not to receive cash or change • Incentives – if offered by the market EBT 101
- 8. Application (cont.) Same application is used for all applicants FNS application processing can take up to 45 days Initial application questions or to request a paper application, call 1-877-823-4369 To check on a submitted online application, log into your FNS account To check on an existing paper application, contact Robin Masters 317-510-7226 or robin.masters@fns.usda.gov EBT 101
- 9. How Does it Work? After becoming certified by the USDA, each market decides how to process the EBT payments. EBT-Only Point of Sale (POS) Terminals Manual Vouchers with POS Terminal Manual Vouchers without POS Terminal Third Party Processor (TPP) POS Terminal Wireless TPP POS Terminals EBT 101
- 10. EBT-Only POS Terminal EBT 101 1. FNS Certification 2. Vendor Contract 3. Equipment & training Must have electric and phone line
- 11. Manual Vouchers with POS 2-ply voucher completed on site Contact vendor customer service for voucher authorization number Customer signs, market manager signs Voucher is dated Copy to customer Market manager enters voucher through POS within 10 calendar days EBT 101
- 12. Manual Voucher without POS Market manager completes 3-ply voucher Obtain voucher authorization number Signatures and date on voucher Copy to customer Copy for market manager files Copy mailed to Xerox EBT 101
- 13. TPP Terminals Third Party Provider (TPP) – not state vendor TPPs typically accept credit cards in addition to EBT transactions When researching a TPP, be sure to specifically ask if they support Ohio EBT Transactions Markets must research and compare EBT 101
- 14. Wireless TPP Terminals USDA, has awarded a contract to the National Association of Farmers’ Market Nutrition Programs (NAFMNP) to help increase the acceptance of SNAP benefits at farmers markets nationwide. Marketlink.org is using WorldPay and Novo Dia Group Talk with other markets about which TPP they use EBT 101
- 15. Centralized POS The majority of markets utilize a centralized POS and issue tokens or scrip for customers to use like money as they shop. EBT 101
- 16. Centralized POS (cont.) Some markets use a centralized POS and the receipt system. EBT 101
- 17. Advertisement EBT recipients receive a system-generated notice in the mail listing all FM’s in their residential zip code that accept EBT ODJFS Twitter Account https://twitter.com/OhioJFS ODJFS Facebook account https://www.facebook.com/OhioJFS ODJFS Pinterest Board http://www.pinterest.com/OhioJFS/ohio-ebt-farmers-market/ Farmer’s Market listed on the ODJFS Online Directory EBT 101
- 18. ODJFS Online Directory http://jfs.ohio.gov/ofam/OhioEBTFa mersMarketParticipants2013.stm OH EBT 2014
- 19. Contact • Melissa Wolfe 614-752-0483 melissa.wolfe@jfs.ohio.gov • Christina Thomas 614-644-1319 christina.thomas@jfs.ohio.gov • http://jfs.ohio.gov/ofam/EBT-Farmers-Market.stm EBT 101
Editor's Notes
- Looks like a wicked math problem, huh? In 2008 the Food Conservation and Energy Act mandated the name change from Food Stamps to SNAP. This name change focuses on nutrition and reduces stigma. Ohio has opted to call them Food Assistance benefits.Alphabet Soup - USDA, FNS, SNAP, FS, EBTExplain state-monitored, county-issued
- USDA FNS has an online application process for certification to accept EBT/SNAP as payment at your market. They offer a paper version, but the online version is much more efficient.
- EBT-Only POS Terminal: after receiving FNS certification, the market will receive a contract in the mail from our vendor, Xerox, regarding the receipt and use of an EBT-Only POS terminal. If you accept you would sign and return the agreement. Then you would receive and EBT-Only POS terminal after the processing of your agreement. The POS terminal will be accompanied by a detailed training video to explain how to set up and use the equipment.EBT-Only POS terminal Is free for any market that averages $100+ in FA redemptions per month. If the market doesn’t average $100/month, they may choose to pay a nominal fee or complete EBT transactions by voucher.In order to operate the equipment you must have access to a phone line and power outlet. If no access, market must determine if it will incur the cost to install the necessary access or have the POS located off-site.
- Manual Vouchers with POS Terminal : The market can choose to have a POS terminal offsite and use the manual voucher system to complete Food Assistance transactions.
- Manual Vouchers: The market is not required to have a POS terminal and can choose to use the manual voucher system to complete Food Assistance transactions. How it works: Complete the three-ply voucher onsite. Contact customer service to authorize the transaction and write the authorization number on the voucher; Write the date, manager sign, and customer signGive the customer their copy of the voucher; Keep one copy of the voucher; and Mail one copy of the voucher to Xerox within 4 calendar days of the transaction.
- Markets may elect to use a Third Party Provider (TPP) to accept EBT transactions along with other major credit cards. If a market decides to use a TPP POS terminal, after being approved by Food and Nutrition Services (FNS), they can disregard the contract agreement from the EBT vendor, Xerox, for the EBT-only Terminal. The market will have to research and contract with a TPP that accepts Ohio EBT. The TPP will provide their contract, product and equipment information.
- 1. A SNAP customer shops at a vendor’s stand and receives a receipt from the vendor for food items purchased, and then leaves the purchased items with the vendor.2. The SNAP customer goes to the central POS terminal without the purchased goods to swipe the EBT card for the amount on the vendor’s receipt and enters the PIN.3. Once approval is granted, the manager gives the customer another transaction receipt to confirm payment, which the customer brings back to the vendor to retrieve the purchased items.