When it comes to paying bills, cash is fast becoming a surplus-to-requirement commodity. Over the past ten years, new payment forms have emerged as Australians move towards a cashless society. Credit cards have become a preferred payment as e-commerce increases in general acceptance. The use of EFTPOS, BPay and the electronic transfers of funds has increased as preferred payment options.
However credit card usage comes at a price, and there is now a strong push by some regulators to move Australians away from such high credit card usage. The Reserve Bank of Australia is introducing reforms which will make credit card transactions less attractive, thereby encouraging consumers to use other payment options such as debit and stored value cards.
A new card has emerged as an alternative payment option to cash - the stored value card. A stored value card is similar to the traditional credit card in that it can operate via the normal card outlets. However, it differs from the normal credit card as it is required to be in the "black" in order for it to be functional - hence the name "stored value". The card can be topped up by the transfer of funds into the account and can be run down to zero balance through purchases and cash transfers.
First and foremost it is a debit card, yet the CCS system is so versatile it can be tailored for many different purposes. It can be setup to be able to utilise all of the functions below, a combination of any, or simply for one purpose only. The choice is yours.
Below is information on the individual functions of the CCS system;
Membership:The card can be used as membership identification for participating clubs. The membership card is issued to the individual member and linked to an account automatically with a secure account and pin number for immediate usage by the member as an ordinary debit card. Or it can be used purely as a membership card only without the debit function. More... Fundraising: Individually designed with your club branding
via club logo and/or photo of the club’s choosing Loyalty:Successful companies understand that the key to long term loyalty is not in a few well chosen gifts but is based on understanding and rewarding customers over time. The CCS Loyalty Card is not only designed to be a points based rewards program, it also encompasses the tools to help the issuer to understand their customers better so they can successfully tailor packages to suit their needs as the relationship evolves. More...
Gifts/Rewards:The gift-giving market is larger than $100 billion. Consumer gift cards are a growing phenomenon as these cards are being used as a replacement for traditional paper gift certificates. Consumers have strongly adopted this product awareness and usage of gift cards is growing rapidly. Consumers appreciate the added convenience that a debit card gift card delivers, making these programs more attractive than individual store-sponsored gift cards, or paper based certificates. Corporations have also adopted gift cards as an employee incentive, corporate gift, and promotional product. More...
Expenses:Expense Cards are reloadable prepaid debit cards that are designed for and distributed by corporations with multiple employees, that wish to have a simple, cost efficient and flexible payment system than corporate credit cards or reimbursement cheques. Prepaid Expense Cards allow corporations, as employers, to advance expense dollars to their employees by loading money onto the card on a periodic ad-hoc basis. This becomes a cost effective alternative to issuing, printing and mailing paper expense cheques, and consequently, employers avoid fraud costs associated with loss and theft of such checks. Employees can then use the card for purchases at any retail location worldwide. They can also access their expense funds at ATM or EFTPOS terminals. More...
Payroll/Bonus: PAYLOAD is a simple, secure and versatile payroll
debit card. The PAYLOAD card is linked to a virtual account where
the credits and debits are managed in real time and immediately
reflected in the card balance.
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