In the dynamic world of finance, the advent of white label crypto debit cards is heralding a new era in payment methods. Over 30 domestic schemes and local labels, representing 150 issuers, have already issued 120 million cards, mobile devices, and wearables implementing PURE white-label EMV. Government payments. Leverage direct deposit and other funding mechanisms so users can start spending immediately. Obtain payment systems and infrastructure to build financial products or embedded finance. Here are a bunch of debit card programs. When customers see your logo every time they use their debit card, it reinforces the connection they have. to new destinations. Experience the convenience of seamless transactions, whether shopping online, dining out, or traveling. This website is estimated worth of $ 8. No lockups, minimums, or other hidden fees. No green, a pared-back logo. Your customers will be able to order tokenized physical and virtual cards with the. The end-user, your customers, will only see your branding. Configure and manage all your virtual or physical debit and prepaid card products with a. Support prepaid debit cards. How come MCO card is a VISA Pre-Paid Card, not VISA Debit Card (yes, there is a difference)Schedule a call with ProductFy's team to learn more about credit builder cards, white label debit cards and FinTech platforms, and how you can launch your own white label banking products. Platforms and marketplaces that have large user bases can benefit greatly by offering an e-wallet functionality via deposit. 2. You design the purpose, we build the card. Personal And Corporate Prepaid Debit Cards And Solutions. In the same vein, the Finnish fintech company, Enfuce, can produce all sorts of white label cards in 8 weeks: debit cards, prepaid cards, gift cards, and credit cards, all while. Your way. Kotak PVR Debit Card is a partnership between Indian PVR Cinemas and Kotak Mahindra Bank. White-Label Cards. Key Opinion Leaders (KOLs) to grow your card program, by offering them attractive earnings. White-label card issuer company with global payment gateway and. Control what card features are available to your cardholders. Debit, credit, prepaid, virtual, consumer, and business credit card programs. All of this allows us to provide innovative and reliable White Label Prepaid Card Programs. Any company that would benefit from CDC's existing infrastructure would want their card based on their own token: and CDC would only benefit from the partnership if the network was based on CRO. Created specifically for large merchants, MDEX is especially useful for merchants who process at least 500,000 Visa card payment transactions per month, use a central processing platform and require speed at the point of payment. Open accounts with robust KYC and issue physical, virtual, and tokenized debit cards. *Subject to card design & implementation. Get ahead of the competition on Open Banking and offer brand new account-based payments that can be requested and received online, on mobile or by QR code. A white label merchant is essentially a company that offers another service to help facilitate transactions between two parties (customers and sellers). io. White label debit card issuing has become increasingly popular in recent years as more and more businesses seek to offer payment services to their customers. The bank account must have enough available funds at the time of the payment to cover the amount of the payment, so this is a ”good funds” model. After you've created the order, you will receive the id of the order in the response. What you see today is a tiny fraction of our global vision. Leverage Adyen Acquiring to instantly fund your card program. Pay with your CSX Debit Mastercard in stores all around the world with no transaction fees; Simple and secure online shopping, and save your card data in online stores. *When consolidating purchase volume processed through Marqeta’s platform in 2019. To understand banking as a service better, let’s have a look at a couple of real-life applications. We enable comprehensive instant issuance portfolios. Providing white label debit & credit card solutions and Banking as a Service for financial services & institutions. Payment platform. Key Features Cards. A white-label. Pecunpay can offer white-label card programs within the SEPA region. White label debit card issuing has become increasingly popular in recent years as more and more businesses seek to offer payment services to their customers. Non-bank ATM operators are authorised under the Payment & Settlement Systems Act, 2007 by the Reserve Bank of India (RBI). Partner with a turnkey crypto card service that offers white labeling. One of the primary advantages of a white-label digital bank is the cost savings it offers. Optimus Cards UK Ltd. Optimus Cards offers white label card and payment solutions that integrate into new and existing platforms. 01. The platform is designed to help these institutions offer a variety of loans and financing options to their customers without having to build their own custom. Any service and product of the Omniwire platform is available for customizations and usage by any business. Test Your POS System. Global payment solutions tailored for your business. Gemalto EMV contact and contactless cards offer are built on several levels of specifications and options. A white label store for merchants that want to. WLAs offer debit card services such as cash. Cards can either be physical or digital and accessible via a mobile app. Looking for an issuing bank? Look no further. With an innovative, proprietary, issuing and processing engine and a platform uptime of 99. Fully licensed and compliant for major global card schemes. Virtual and physical prepaid debit cards, funded with crypto. Intercash is one of the world’s leading providers of global payment solutions, with a special focus on white-label card programs. 200 Vesey Street MC 01-39-12 New York, NY USA 10285. We want to see everyone on the planet benefiting from what bitcoin offers, i. The Netherlands) disseminates Getsby Mastercard debit cards issued by the DiPocket Limited (Suite 532, Metal Box Factory, 30 Great Guildford Street, London, SE1 0HS, UK) and DiPocket UAB (Upes st. Omniwire offers its customers a wide range of ready-made white-label solutions for businesses. Through Hips White Label Payment Gateway, leading Acquirers, Payment Service Providers and POS Software Providers can easily evolve with the drastic, rapidly changing payments industry. Launching the PURE Technology Community. Along with industry-leading technology and iGaming software providers, we’ll also provide you with expert guidance every single. com Debit Card White Label Program is now calling for exchanges, wallets & projects to join! We can: - Issue debit cards with your brand - Save you 2 yrs to build the infrastructure. If you’re looking to tap into this trend, creating a white-label crypto debit card can be your ticket to. Cryptocurrency, by its very nature, is decentralized — meaning a central authority. Build with our white label gift and reloadable prepaid card solutions. 36. It has a global traffic rank of #23063238 in the world. These ATMs are available to the public and allow customers to perform all services associated with traditional ATMs, such as cash withdrawals, check deposits, balance inquiries, and transfers. 8% of user penetration. See. Fast and API-driven distribution, so you can implement your app in days. Our cards are made for you. Iron-clad security, lightning speed, and sweet simplicity – Berkeley’s white. It acts as a mediator between a. You can choose to launch your white-label cards with Visa, Mastercard, or UnionPay, set them up as prepaid or debit, and select physical or virtual options. 95. Give customers one more reason to keep coming back to your business—start accepting Discover Debit cards today. In essence, a white label debit card is a card that is branded with the logo and other identifying features of the issuing company, but is actually issued by a third-party financial. The ATM / ATM cum debit cards, credit cards and prepaid cards, as permitted by the issuer, can be used at ATMs/WLAs. White label debit cards tailored to commercial customers enable them to easily issue cards to employees, set spending limits, deposit cash, and more. These rewards or loyalty points can then be redeemed for discounts, merchandise, or other. Same-Day Deposits are available to merchants on integrated software platforms with a 5:00 pm PT cut-off time for payments processed on WePay. [1] [2] Used in a closed-loop environment, private label debit offers secure transactions through PIN protection or tokenization. Most of the customers have tried specifications. Pervesk card issuing service will save your time and recources, as well as provide your clients with a unique opportunity to claim their own VISA debit cards. 1-855-646-1390 (Toll Free in the U. Giving more information, the Minister state that Consumer Education and Protection Department of RBI has informed that 98 complaints have been received against WLAs from April 01, 2022 to June 30, 2023. Rule E1 of the Canadian Payments Association (CPA) covers the obligations of aPacked with all the tools needed, the iGaming white label platform offers a full suite of solutions and. Call us at (41) 43-508-0590 for more information. S. 02. Flexible Payout Schedules. 16% + $0. It outlines industry practices as well as consumer and industry responsibilities and serves to protect consumers in their use of debit card services in Canada. Card number : The card number is one of the most important parts of your card. Debit cards issued via the Mastercard network can be used throughout 210 countries and territories. Treasury Prime’s Enhanced FDIC Insurance product allowed us to build the best of both worlds. All KYC included and built in as real time onboarding. In a consultation paper published on Tuesday (2 March), the central bank said that the assessment will look at creating ‘white-label’ banking cards that can only be used in South Africa or. Because private credit cards are managed by banks or financial institutions, they offer exactly the. When you choose white-label debit cards from iServeU, you choose all of the following goodies: A Full-Fledged API Solution . White-label debit cards offer a unique opportunity for businesses to drive customer loyalty and increase engagement. per virtual card. GO2bank™ cards issued by GO2bank, Member FDIC, pursuant. Cutting-edge API for easy integration. A virtual card is an optimal financial instrument to instantly pay for goods and services with the most convenient functionality for making cashless payments. About us. The expiration date is updated automatically; No annual fee: Enjoy the benefits of the CSX White Debit Mastercard for CHF 0 per monthWhite-label debit card issuing is a service offered by financial institutions that allows businesses to issue branded debit cards to their customers, without having to invest in the infrastructure and resources required to manage the card issuance process themselves. White label banking accelerates the builder’s go-to-market strategy by removing. How do you save money? Pay just a simple, flat per-transaction fee. 760M$. Private Label Credit Card: A private label credit card is a store-branded credit card that can only be used at that store. Private label credit cards are run in collaboration with banks or third-party financial institutions. White label debit card programs are partnerships between non-bank entities and financial institutions or payment processors that allow non-bank organizations to offer branded debit cards to their customers. Credocard´s partnership card programs, credit and debit card programs? We offer card programs that will truly set you apart and help you attract new members. 8. White label core banking 2022. 2% for debit cards. CO-BRAND & WHITE LABEL Established, consumer-facing distributors partnered with banks to launch co-branded or white labeled credit cards (and other products). Intercash is one of the world’s leading providers of global payment solutions, with a special focus on white-label card programs. Pre-Defined or Custom Payment Card Products. 95 and have a daily income of around $ 0. Primax’s comprehensive, highly integrated payments solutions include credit, debit, ATM and prepaid card programs, risk management, data analytics, marketing and strategic consulting, mobile platforms and loyalty programs tailored for financial institutions. Check out the latest trends driving the embedded finance industry. One effective method of customer retention and interaction for the companies mentioned above is to become a debit or credit card issuer through a third party. We offer credit, debit and prepaid cards. Marqeta is the world's first modern card issuing platform. Credocard is the industry leader for co-branded cards, Co branded prepaid cards, white label card programs, software and payment integration platforms and turnkey payment solutions. It works like a standard credit or debit card but doesn’t have a credit card network logo (Visa, Mastercard, etc. 210+ countries. There are usually three parties involved in issuing co-branded cards: the business, the card issuer, and the payment network or. Typically, white label ATMs, or WLAs, are the ATMs set up and operated by a non-bank. A fringe benefit for the companies and financial institution white label wallets is the chance to strengthen your relationship with clients and provide payments solutions to everyday issues. A business or organization that wants to offer its customers the ability to make. The person can send finance abroad. The term "white label" refers to the fact that the payment. The most innovative way to start a cryptocurrency exchange platform with less development cost is to use the best white label cryptocurrency exchange software. Striga is a platform. Check out the latest trends driving the embedded finance industry. Step 2 use the administration portal to set up your commercial offering. The financial landscape is evolving, and at the forefront of this transformation is the emergence of white-label cryptocurrency cards. Looking for an issuing bank? Look no further. 9 percent in 2015. Offshore companies find the range of card options appealing as the white label debit card can be allied with Visa or MasterCard. Schedule a call with ProductFy's team to learn more about credit builder cards, white label debit cards, and how you can launch your own white label banking products. Banking as a Service examples. cashback), high-yield crypto accounts (white label X-Accounts) and crypto / fiat. Most companies use its cards under a different name as a way to provide cryptocurrency debit. It’s an extremely valuable service for any business that wants to build their online customer base. REQUEST DEMO WEB ANDROID AND IOS APPLICATIONS White label digital banking solutions enable companies to quickly launch their own branded web, iOS and Android applications using third party licenses,. PayPal is among the most popular online money sending platforms, so the company came up with PayPal prepaid MasterCard for customers who prefer using cards instead of using the online platform. worldwide. In the ever-evolving sphere of digital finance, crypto debit cards are carving a significant niche. BTW, the big secret about "Apple Pay" is that it is just the Mastercard tap and pay technology that has been around for at least the past 12 years, probably longer. Co-Branded Card programs – Prepaid Debit Cards and Credit Cards. Real debit cards. Wallester’s white-label service allows clients to create own-brand virtual and physical Visa cards – whether prepaid, credit or debit – based on. A private label credit card is a type of credit card that is branded for a specific retailer or brand. At its heart lies a sophisticated customer relationship management (CRM) system which processes payments in real-time. 67 Rating by CuteStat. Our white-label mobile app for card issuers provides easy and secure access to card information, as well as a wide range of card services. 5 billion in transactions in crypto-related cards in the first fiscal quarter of 2022. Salt announced a crypto. We offer many white label solutions to help keep your brand front and center. 05% + $0. White-label debit cards provide accessibility to a larger population, including those without bank accounts or credit scores. From email communications to the name of your debit program (BurgerPay?) your customers will be integrated into your branding like never before. EU as well as non-EU entities can apply for a merchant account, but a SEPA based IBAN account is. The concept of white label debit card issuing is relatively simple. White Label Crypto Debit Cards. How does white label credit and debit card processing work, and what are the benefits for financial institutions. The third-party partner (or private label credit card provider) assists in several areas, including issuing, funding, and payment collection. Credocard is the industry leader for co-branded cards, Co branded prepaid cards, white label card programs, software and payment integration platforms and turnkey payment solutions. Introducing PURE. The QR code and NFC are available, making it possible to reach all devices. As a result, many businesses are looking to incorporate crypto payment options into their offerings. 2 If you choose optional prepaid transactions like Balance Inquiry or Partial Authorization, special terminal programming may be required. Paypal offers the best reloadable card with no PIN transaction fees. One of the most exciting. From design to reconciliation, we’re here to support you and. This leaves you to focus on growing your business and customers. Flexibility; White Label card program Grow your brand visibility and recognizability by launching your own branded cards. Many choose to live and do business away from their nation of origin. You can make money every time a customer pays with their credit or debit card. Because private credit cards are managed by banks or financial institutions, they offer exactly the. Yes, you can. 7. Go live with your. ). Freely define your business model and pricing. These rewards or loyalty points can then be redeemed for discounts, merchandise, or other. Daily international ATM withdrawals up to $1,500. White label debit card programs are partnerships between non-bank entities and financial institutions or payment processors that allow non-bank organizations to offer branded debit cards to their customers. The software, when integrated with your online. Includes prepaid. Call us at 800-526-9127 or email [email protected] reasons why VISA is the best choice for your white-label card. A payment gateway is a software that enables merchants to accept credit and debit card payments online. Quick, Customizable, and User-Friendly Card Issuance Solutions Redefine the way you issue cards with OmniWire. White labeled virtual, physical, and tokenized debit cards that can be spent at millions of merchants globally. com today. White-label debit cards provide accessibility to a larger population. White label debit cards have the facility to give integration to all other cards. Get access to the multi-functional Wallester Business platform absolutely free. Issue cards through Connect. Talk to us to find out more about embedded finance or our other white-label solutions. Spend 150+ currencies anywhere in the world. We will also discuss alternative payment methods for white label credit cards, such as debit cards and mobile payment options. One of the most obvious benefits is the level of exposure that your company gets. PAYMENTZ follows the global standard during card details storage and transmission to your bank. The white label debit program of the company can help you in a faster way, and it is integrated with almost all types of cards. A white-label payment gateway is a fully developed payment gateway solution that businesses can rebrand and customize as their own. Definition of white label payment gateways. Check out the latest trends driving the. When monies are to. With solid relationships with multiple issuing banks and highly efficient systems, we help our customers to create their own branded prepaid debit card reselling programs. Yes. Benefits of White Label Credit Cards. A full suite of financial features all-in-one platform. Comprehensive debit card processing. Our Customized program is a white-label, co-branded card program sponsored by a financial institution, member of Visa or Mastercard, issued on a PCI/DSS processing platform and administrated by an experienced program management and risk/fraud team. 3 percent per year from 2015 to 2018. Start innovating with Marqeta today. By: Geir Holstad. No matter your requirements now or in the future, Pismo Cards can support your company’s growth Live Stream Data Use the data better so you can cross sell to your customers in a more relevant way SaaS That Keeps You Running 24/7 Updates right to you, ensuring the platform always runs on the latest technology. That means that the same convenience that Apple Pay users experience can be had through a merchant’s own card program. Enable them to open an account, make fast and secure payments, get virtual or physical debit and credit cards anytime and anywhere, from the convenience of their smartphone or computer. CUSTOMER METAL DEBIT CARDS START AT $199. Hydrogen is a no-code & API platform that allows developers to easily launch white label financial products. While this might seem small, it is still twice the volume of Discover cards. Solution: Innovative product. Design your best-fit solution, allowing you to operate effectively within an on-demand economy, launch your fintech startup, supercharge your neobank, or create cards for the travel industry. Examples of businesses that are using white label card solutions successfully include loan services who use the cards to transfer funds or cryptocurrency exchanges, who may offer debit cards for. Initial white label propositions will include co-branded and customisable crypto-friendly debit cards, customised rewards (e. With this card, you can easily pay for your purchases in the network of the brand that issued it to you. Self-service. Regulated Debit Costs. Debit cards are used frequently in a wide variety of locations. is the pioneer in providing white label debit card programmes to financial institutions underserved by traditional providers. Global Payout Orchestration REST API plugs into our extensive network for efficient and fast payouts. Designed in partnership with Clay. Handle everything from medical/dental/vision claims to fitness club incentives to OTC products and healthy groceries, all on one payment card. We tailor our prepaid cards solutions to your unique needs including program sponsorships, white label sponsorships, and retailer programs. and may be used everywhere Visa debit cards are accepted. Offer a payment service similar to a bank with online accounts able to send and receive USD, EUR, AUD, GBP, HKD, SAR, BHD, AED, KWD, INR as well as BTC, ETH, USDT, USDC and other major fiat and crypto currenciesWhite Label Debit Card Solutions White label debit card solutions are a game-changer in the banking and financial services industry. Physical. Debit cards are used frequently in a wide variety of locations. Age requirement: 6 to 18 years old. Launch your White-Label model-based mobile app to make instant payments and manage your cards in real time!. White label prepaid cards can be combined with other financial technology services such as mobile wallets or banking apps, allowing companies in the fintech space to target […] WORLD TECH & SCIENCEA white label lending platform is a ready-made lending solution offered by third-party providers to financial institutions such as banks, credit unions, and other lending entities. What Is a White Label Debit Card? A white label debit card is a payment card that is issued by a financial institution or a third-party provider on behalf of a bank, retailer, or. Gemalto Instant Issuance also reduces the risk of card interception and fraud, all the while adding value by delivering differentiation and increasing consumer satisfaction by: Reduced waiting times: A faster card delivery process. It is a domain having com extension. a) White Label ATM and/or Merchant Acquirer (WLAMA): A Non-Bank entity licensed by the Bangladesh Bank as a Payment System Operator (PSO) to deploy, own and operate white label ATM and offer in-store merchant acquiring services such as POS/QR payments. Create and issue cards instantly and get branded physical cards shipped in as little as three days. But every time an airline wants to issue a new card with a new screening process, limits, or rewards, they have to renegotiate terms with the issuing banks, work out the details, and. Secure Remote Commerce. 2. White-Label Cards. These ATMs accept all domestic debit cards and offer the first. Streamline your business’s financial processes now — start for free or choose a suitable tariff plan. Accept or enable all online and in-app payments. Branded card designs. Under the current budding trend in the mobility space, transit agencies would be the sole issuers of the EMV-based closed-loop cards–though some agencies are also looking at issuing co. Their built-in crypto wallet solution supports major fiat assets and cryptocurrencies, allowing for seamless conversion and instant purchase of various digital assets. Our white-label credit and debit cards are integrated with Google Pay™, Apple Pay™, and Samsung Pay™ so your customers can tap to pay securely with their Android or iOS devices. It has ID encryption so that all purchases can be tracked, and. This development opens up new capital inroads that will propel users of polygon's DeFi ecosystem to the next level. Fully Branded. AATMs set up, owned and operated by non-banks are called white label ATMs. Digital wallets can keep credit and debit card data permitting payments directly from the card. The digital currency revolution is here, and with it, the rise of crypto debit cards. HollaEx's built-in crypto wallet solution supports all major fiat assets and cryptocurrencies. We offer an end to end, in-house consumer and commercial card issuing and processing. Talk to us to find out more about embedded finance or our other white-label solutions. Payments solutions backed by service power the Primax’s growth engine for clients. What are White Label ATMs (WLAs)? ATMs set up, owned and operated by non-banks are called WLAs. 4 billion in 2015, corresponding to a growth rate of 8. In essence, a white label debit card is a card that is branded with the logo and other identifying features of the issuing company, but is actually issued by a third-party financial. White-label card issuer with global payment gateway and processing solutions for prepaid and debit cards. That’s where white-label solutions come in. White label Fintech available in 20 business days. Non-bank entities are permitted to set up White Label ATMs in India, after obtaining authorisation from RBI under the Payment and Settlement Systems (PSS) Act 2007. Simply provide your ramp information and our team can begin the integration process immediately. Details of such cards should be immediately reported to PSD-SBP. ORDER NOW. A private-label credit card is a type of revolving credit plan managed by. Secondary cards. API and SDK for developers allow businesses to integrate our financial solutions into any existing business seamlessly. White Label and Co-branded Programs. Giving your customers a seamlessly-branded credit program is a surefire way to build customer loyalty and drive repeat purchases. Push provisioning to digital wallets. Co-Branded Card programs – Prepaid Debit Cards and Credit Cards. You can spend your money guilt. We aim to, together with Cardlay, make it easier for customers to integrate budgets, authorization processes, payments and reconciliation into an automated flow, thus minimizing errors and the risk of fraud, and we believe that Cardlay is a strong partner for that. The integration feature is better than all other. Choose the design of your debit card. Full Range White-Label Banking. Top. Take the complexity out of card issuing. Using a white label debit card program, an IBC, can integrate debit card payment systems with its payroll department using ready-made software and turnkey solutions. Key Opinion Leaders (KOLs) to grow your card program, by offering them attractive earnings. Designing your best-fit solution, you can do business in an open-market economy, start stable fintech operation, or launch a card for travel and. We are here to help. Think cards. Private-label debit cards are a type of payment card used to make purchases, withdraw cash, and link to bank accounts. This Card White label was created by a fintech company for fintech companies. Many come with debit cards, and parents can fund by transferring money from an existing bank account. Offer branded Crypto Debit Cards that enable users to spend crypto anywhere VISA or Mastercard is accepted, and move money in-and-out of trading accounts in real-time. Just as with its Bluebird Prepaid sibling, this American Express prepaid card allows you to deposit checks for free — if you can wait up to 10 days to receive your money. Discover Ayoconnect's White Label Virtual Cards API (powered by Mastercard) for expense management, lending, online travel, and more. com is 8 years 6 months old. Payments Euro-zone pay-in Free Euro-zone pay-out 0. “W e care a lot about downside risk and we care a lot about high liquidity. Besides, the number of active Neobank clients is expected to reach 376 million users, giving the Neobank model over 4. A. at the issuer’s secure website. Unbanked Inc. White label cards. Benefits of White Label Credit Cards. Clients will also have the option of choosing between Visa and MasterCard cards and GBP, Euro or USD currencies. Our White-Label App is a fully turnkey solution for companies that want to get to market faster, without relying on additional engineering resources. 4. Private-label prepaid debit card payments accounted for 40. A comprehensive solution enables individuals to “top up” the Pre-Paid and Debit Cards in different currencies and potentially. The term "white label" refers to the fact that the payment gateway is. whitelabeldebit. Check out the latest trends driving the embedded finance industry. Interregional card transactions are capped at 1. Each tariff plan also includes a certain number of free virtual cards: Free — up to 300 virtual cards; Premium — up to 3000 virtual cards; Platinum — up to 15,000 virtual cards;HollaEx offers various options for white-label debit cards, online e-commerce payments, and more. White label debit card issuing has become increasingly popular in recent years as more and more businesses seek to offer payment services to their customers. 2 percent of all prepaid debit card payments by number, up from 38. Reduce costs, such as check processing – and boost engagement by enabling global use. No API integrations required. Crypto Wallet. Your competition is challenging because many companies are working on this program and ensuring loyalty to customers. prepaidcardswhitelabel. White label credit cards offer numerous benefits for customers, including the ability to earn rewards or loyalty points for making purchases from the specific retailer or business with which the card is branded. 150+. As we begin to decode the complexity of integrating these digital wallets, we’ll explore how…Get your business ready with all white labelled Payment Gateway . This card comes as a great combination of good manners and advertising purposes, due to the fact that you can place your logo on such a card. You can. Flexible ways to earn revenue! White Label Partners are able to mark up some prices and others, you receive commission from Novae or our partners. debit card services, prepared by the Electronic Funds Transfer Working Group. Issuing corporate cards. Crypto debit cards are similar to ordinary debit cards, and most operate on one of the major card networks (Visa, Mastercard, etc. You. After your customers enroll for the services or submit applications, Novae or one of our partners take over.