Your debit card linking gateway. · Fast Time-to-Market With a Modern PaaS architecture,...
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Your debit card linking gateway. Confidential Sentral Hub, LLC
Transcript of Your debit card linking gateway. · Fast Time-to-Market With a Modern PaaS architecture,...
Your debit card linking gateway.
Confidential Sentral Hub, LLC
There is a challenge in the Card-Linked Offer Ecosystem
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19 billion card transactions per year are INVISIBLEto Visa, MasterCard, and CLO publishers.
Consumers PublishersNeed to be able to transact seamlessly and be confident
their offer will redeem
Need activated card-linked offers to redeem regardless of
how the end user transacts
Confusion abounds at the Point of Saledue to EMV and the Durbin Amendment
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• The POS must prompt users with debit cards to give merchants flexibility in routing
• Both options are debit, however “Credit” processes thru Visa or MasterCard Networks
• Debit gets processed through the Debit networks, even if no PIN is required
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DEBIT
Current platforms lack access & technology to match transactions processed through US Debit networks.
Missed RedemptionsTransactions run down the debit rail don’t trigger a redemption, which causes lost trust and data gaps
Complex User ExperienceEnd users must be instructed to ”pay as credit” while POS systems steer customers the other way
Lost RevenueEach qualified transaction should drive revenue for the publisher, missed transactions can cause revenue leakage
Increased Customer Service CostUsers who expect a redemption but don’t get one are likely to contact customer service, triggering time-consuming receipt verification, etc.
The Problem
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What We Do for CLO Publishers
Register Match Alert Credit
We provide real-time transaction visibility for PIN debit transactions and accuracy, no username or password required.
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1 integration. 8 debit networks.
Steve Vanfleet30 years financial services, expert in debit processing. Previous First Data
and MasterCard.
Jason WolfeSerial entrepreneur. Built and sold some of Pittsburgh’s largest online
companies
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Efficient & Cost Effective for Publishers
Familiar API, Real- to Near Real-Time DataSentral APIs and work flows are similar to other CLO platforms, making your existing platform investments reusable while delivering real-time data
Fast Time-to-MarketWith a Modern PaaS architecture, Sentral connects you to 8 different debit networks and processors, decreasing integration cost and complexity
Delivers More Data, Enables a Better ExperienceCapture transaction data that’s currently getting missed and see purchase transactions that include cash back withdrawals
Cost EfficientOne connection covers 8 networks with more to come. Reduces cost to maintain and integrated. Tiered transaction pricing for low value purchases.
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Key Platform Features
Program Setup Transaction Matching Backoffice Tools
BIN file management
Merchant ID Management
Merchant Location Registration
Real-time Spend Alerts
Merchant Onboarding & Validation
Reporting, Billing, & Support
Secure card registrations Statement credits
Keeps track of which cards can be monitored
Enables merchant lookup for registration into program
PCI compliant PAN storage and sync with relevant debit networks
Enables transaction matching at all or specific store locations
Transaction event notifications sent to your application
Settlement facility to credit earned discounts back to registered cards
Register merchants, then run and monitor test transactions
Find registered merchants, review matched transactions, etc.
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Transaction Monitoring
Merchant ID Merchant Location Start date and time
End date and timeDuplicate Indication Velocity Checks
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Built for Developers & Program Operators
Webhooks
Push events to your application- What do we cover?- Typical use cases are:
- Offer created- Card enrollment- Offer enrollment- Matched transaction- Statement credit
Transactions API
Pull data on request- What will we support?- Typical use cases are:
- Register merchant- List merchants- List offers- List users / PANs- List statement credits
Dashboard
See merchants, transactions, etc.- What do we show?- Reconciliation?- Request merchant
onboarding?- Onboarding workflow
status?
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Program Enablement, Setup, and Management
STANDARDS FACILITATION
Sentral serves as the central coordinator for establishing acceptable cardholder terms, merchant agreement language, data content standards, etc.
PROGRAM CERTIFICATION
Sentral facilitates the approval process for all Debit Networks and Processors regarding consumer terms, notifications, data usage, etc.
NETWORK SETTLEMENT ACCOUNT
Sentral offers a statement credit settlement facility for publishers to credit earned discounts or rewards back to registered cards.
Sentral works with networks and sponsor bank to coordinate all aspects of the services
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Working toward your success
Partner with a dedicated and
experienced team to help grow
your business
Our expertise in debit networks and card-linked offers runs deep. We’ve worked for the networks and operated CLO programs, so we know what it takes to build a high-quality, high-availability system.
Deep Expertise
Focused
Responsive
We have one focus: connecting all debit networks to the card-linked offer ecosystem. It’s all we do, and our company is 100% dedicated to this effort.
We understand the need for speed and flexibility. Our success is tied to yours, and our team is on call 24 x7 to support you.
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