Embedded Management of Prepaid Card Accounts

Handle Prepaid Card Accounts Right From Your Own Website 1- Sign up your customers for open-loop prepaid cards… 2- Let them access their card balance and transactions or send money to friends… …without letting them leave your website

Overview
Plastyc offers a Web Service API with 6 methods
Intended Use Account Mgmt. Methods Let a cardholder suspend his/her card in case of suspected loss or theft SuspendCard Let a cardholder share money with another one TransferMoney List Transactions for a cardholder between 2 absolute dates GetCardholderTx Obtain info about Cardholder, account, card and transactions GetCardholderInfo List all cardholders enrolled GetCardholders Sign up a new user for a card EnrollCardholder Intended Use Enrollment Method

1- Embedded Prepaid Card Enrollments Enroll your customers into open-loop prepaid cards right from within your own website

Payment-challenged visitors
Loosing potential customers?
Who have no payment card
Who are not willing to provide their main payment card
Unable to get them paid efficiently?
They have no checking account
PayPal not suitable (e.g. for tax refunds)

Payment-enabling visitors on the spot
Give visitors the option to sign up for a Visa prepaid card
Free
5’
You receive the number for the new card (either card number or ACH number)

Who can benefit?
Tax preparers
Let your customers receive their refunds faster, and avoid check cashing fees
Merchants offering store credits (used cars, appliances…)
Set up a convenient way for employed customers to pay you in installments
Subscription websites
Capture more visitors by offering them a way to pay

Web Service API Enroll Cardholder Method
SOAP / XML
Over https
Enrollment front-end at known and fixed IP address

Method & Parameters EnrollCardholder Method EnrollCardholder Response Card Graphics ID Card Sub-Program ID Social Security Number EMail Phone Address City State Zip Gender Birthdate Last Name First Name Cardholder ID Response Description Response Code DDA account number DDA routing number

Validations for EnrollCardholder
Zip / City consistency
Address not a PO Box
Email address in authorized top-level domains
SSN syntax valid
Phone format valid
Name + birth date + SSN match (Experian database)
OFAC-check negative

Steps
1- Capture user’s data and send to Plastyc
2- Validate enrollment data and create new cardholder
6- Activate Card 7- Load funds post-activation 3- Confirm account number
Payments
5- Load funds pre-activation 4- Issue and ship card

Timeline
1- Enroll user
2- Validate
6- Activate 7- Load funds post-activation 3- Confirm 5- Load funds pre-activation <1’ up to user 5-7 days <5’ a few hrs a few hrs (for MoneyPak cash loads) ACH loads into the card can be initiated immediately. Cash loaded prior to card activation can be available to the enrollment site within a few hours. 4- Issue & ship

2- Embedded Prepaid Card Account Management Let your customers access their prepaid card account right from within your own website

Be friendlier to cardholders
Users’ cards are now a key part of your service?
Let your customers access their card account without leaving your site
Or integrate card balance checking in your own phone support service

Web Service API Card Account Management Methods
SOAP / XML over https
Consumer front-end at fixed and known IP address
Methods: GetCardholders, GetCardholderInfo, GetCardholderTx, TransferMoney, SuspendCard

GetCardholders Method & Parameters GetCardholders Method GetCardholders Response (no parameters beyond partner credentials) Returns the list of CardholderInfo for all cardholders enrolled beforehand via the Partner (whether using the EnrollCardholder API method or using only encoded referral links) First & Last Name Phone Number Email Address Cardholder ID Enrollment Date Username First & Last Name Phone Number Email Address Etc…. Username Enrollment Date Cardholder ID

GetCardholderInfo Method & Parameters GetCardholderInfo Method GetCardholderInfo Response Returns the Cardholder, Account, Cards and Transactions info requested Account Info Card Info Transactions Info Tx amount Card Status & Issuance date Name as embossed Primary/Secondary card Tx date of auth. & settlement Last 4 digits of card & graphics Tx type & description Next Tx details… SubprogramID LoyaltyBalance Auth. & Settled Balance CardholderInfo (same as returned by GetCardholders) Include CardsInfo IncludeLastCardTx LastCardTxCount Include AccountInfo Include CardholderInfo Cardholder ID

GetCardholderTx Method & Parameters GetCardholderTx Method GetCardholderTx Response Returns the Transactions info requested between the Start and End Dates Tx date of auth. & settlement Tx type & description Tx amount Tx date of auth. & settlement Tx type & description Tx amount Tx amount Tx date of auth. & settlement Tx type & description Next Tx details… EndDate StartDate Cardholder ID

TransferMoney Method & Parameters TransferMoney Method TransferMoney Response (no parameters beyond success/failure codes) Amount ReceiverCardholderID SenderCardholderID

SuspendCard Method & Parameters SuspendCard Method Suspend Response (no parameters beyond success/failure codes) CardID CardholderID

Validations for all Card Accounts Management Methods
Completeness of parameters
Valid IDs
Active status
Valid dates
Valid Amounts

Summary
The Plastyc Web Service API offers 6 methods
Let a cardholder suspend his/her card in case of suspected loss or theft SuspendCard Let a cardholder share money with another one TransferMoney List Transactions for a cardholder between 2 absolute dates GetCardholderTx Obtain info about Cardholder, account, card and transactions GetCardholderInfo List all cardholders enrolled GetCardholders Sign up a new user for a card EnrollCardholder Intended Use Method

Contact: [email_address] to obtain test account parameters Download API Specification: http://www.plastyc.com/docs/Plastyc_Webservices_API_April10.pdf

Embedded Management of Prepaid Card Accounts

by Plastyc, Inc. on Apr 15, 2010

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