StoreFinancial's proprietary software and transaction processing technology allows us to offer you network branded open-loop programmes or restricted authorisation white label programmes according to your requirements.

Open-Loop

Network branded products have the benefit of using a globally recognised network that most retailers accept without needing to update their EPOS systems. Having the network brand on your card means that customers and retail staff understand how the card works. Open-loop cards can be applied to shopping centre programmes, incentive cards, reward programmes and can be co-branded to your specifications.

Restricted Authorisation Network

Using the most current technology applications, StoreFinancial's white label programme allows unaffiliated retailer groups to participate in a closed network programme. This technology ensures gift card redemptions are restricted to the required retailer group(s).

During the implementation of your programme, participating retailer information is loaded into StoreFinancial's database. We create and maintain individual retailer profiles, allowing us to create a closed network gift card programme.

Once a gift card is used at one of the participating retailers, the retailer profile is verified. Upon recognition, StoreFinancial verifies the transaction amount, approves the purchase and relays the message back to the retailer POS - all within a few seconds!

Global Bankcard Network

StoreFinancial's programmes process on a global bankcard network so no additional programming or software is required for your retailer POS terminals.

Partial Authorisation

StoreFinancial supports partial authorisation, a retailer POS function, that can prevent declined transactions when the balance on a gift card is less than the purchase amount. This functionality greatly enhances the cardholder and retailer experience with your gift card programme.

StoreFinancial’s restricted authorisation products are licensed under U.S. Patent Nos. 5,689,100 and 5,956,695 and Canadian Patent No. 2,215,969.