Authorization Network (RAN)
Prepaid cards have long been divided
into two types; open-loop cards accepted wherever their
network brand (for example – Visa, MasterCard, American
Express, and Discover) is honored and closed-loop cards
accepted only by the issuing merchant. This is no longer
the case as we have leveraged a new pre-paid technology
known as the Restricted Authorization Network (aka RAN)
which bridges the gap between open and closed-loop cards.
RAN Technology creates a sub-network
on the open network rails which are operated by the major
credit card companies, and as a fundamental function directs
spending of open-loop (network branded) prepaid cards
to only a select merchant or group of merchants. It gives
you the ability to build an incentive program across a
select group of merchants.
The Gift Card USA RAN program enables
you as the merchant administrator to select exactly which
locations will be able to accept your card and therefore
a transaction will decline at all other non-participating
businesses. Now here is the exciting news – it doesn’t
matter what type of POS system or standalone credit card
terminal that each location uses as long as they are swiping
cards in person. Absolutely no modification needs to be
made to their existing equipment, no additional terminal
download nor any special hardware needs to be purchased.
Here are just a few examples of the
types of programs you can develop and that we can support:
manage the marketing for a shopping mall, shopping center,
or downtown shopping district and want to market a card
which can only be used within your business locations.
are the marketing manager for your local Chamber of
Commerce and want to market a gift card which can be
used only at member businesses. Possibly the businesses
would provide a discount when the card is used.
are a town manager in a college town and you want to
create a prepaid dining card which can be redeemed at
all of the participating restaurants in town therefore
driving more dollars from the college facilities to
You are a movie theater and want to team up with specific
restaurants in the area for a combo movie and dinner
are a hotel chain or casino and want to create a gift
card which can be used company wide.
You are the franchisor and want to have a single card
that will work at every franchisee no matter what type
of processing equipment they already own or who their
credit card processor may be.
You have been tasked with promoting tourism in your
city and want to develop a card which can only be redeemed
at any of the participating theaters, museums, amusement
parks, and hotels in your area with the for profit venues
rebating money to you to run the program.
are in charge of fundraising for a school group or scout
troop and develop a card which can be redeemed at any
pizza restaurant in the school district and then receive
a commission back from the pizzerias on all sales.
are the business manager for a church or synagogue and
want to develop a prepaid gift card which can only be
used at the businesses owned by members of the congregation
with those businesses donating a percentage back to
the religious institution for each sale made.
We think this will give you some good
ideas on how to develop a RAN program that will work for
you. Need some more ideas or want to bounce your idea
off of us? Then feel free to call Kevin at 800-717-1245.