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Restricted 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:

  • You 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.
  • You 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.
  • You 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 local restaurateurs.
  • You are a movie theater and want to team up with specific restaurants in the area for a combo movie and dinner card.
  • You 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.
  • You 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.
  • You 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.


A collaboration between Gift Card USA, a division of Credit Card Processing Services, Inc. and Store Financial
Credit Card Processing Services, Inc. is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, CA
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