CardPartner.com

CardPartner.com

Introducing the first custom Visa Platinum Card
program for smaller membership organizations

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FAQ

1. What is CardPartner?

Headquartered in Manhattan, CardPartner is an online company focused on enabling smaller U.S.-based membership organizations and charities to create their own custom Visa credit card programs. Thanks to our innovative technology, these groups can now create their own custom card designs, receive $50 per active account opened by their members and get a percentage of every purchase made.

2. Who’s behind CardPartner?

CardPartner is a creation of New York-based Serverside CardPartner Inc., part of privately held Serverside Group, a technology provider to the world’s leading banks. CardPartner and publicly traded UMB, a multi-bank, multi-billion dollar holding company headquartered in Kansas City, Missouri, have joined forces to create the CardPartner custom Visa card program.

3. What’s the catch?

There is NO cost to any organization that creates a CardPartner Visa credit card program. However, we do require your organization to commit to CardPartner for a 3-year period. A successful program will involve some marketing effort on your behalf, with our easy-to-use online tools. Please see our full Terms and Conditions.

4. Why is CardPartner interested in working with membership organizations?

Marketing credit cards through affinity organizations is a business model with a proven track record of success. Our technology allows us to extend that concept to smaller organizations whose members/supporters have a particularly strong affinity for those groups.

5. How do we know we can trust CardPartner?

It’s important to point out that there is no financial relationship between your organization and CardPartner. The financial relationship you have is with Kansas City-based UMB. Your supporters will receive credit cards from UMB, not CardPartner. CardPartner does not receive financial or personal information about any card applicants, this information is collected by UMB and is not passed to CardPartner.

Similarly, the revenue which your card program generates will be paid to you directly by UMB and is not passed through CardPartner.

CardPartner facilitates the financial relationship between your organization and UMB and you do have a legal relationship with CardPartner. For more information, please see our terms and conditions.

6. Why should we choose CardPartner.com?

CardPartner.com, together with UMB, is specifically focused on smaller organizations. No one else offers this level of customization to any but the biggest players. Click here for more details.

7. What’s the commitment on our behalf?

By creating a custom Visa credit card program through CardPartner you are agreeing to the conditions laid out in the Terms and Conditions, which you should read carefully. However, the two main commitments you will be making are:

Not to apply to a similar service through another provider for a period of 3 years.
Make commercially reasonable efforts to notify your supporters that you have created a Visa card program.
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8. We already have an affinity card program. Should we switch to CardPartner?

You clearly have to abide by your current provider’s Terms and Conditions. However, when your program is up for renewal, we suggest that you consider how much support you are getting from your current provider, how easy they are to work with and particularly the level of customization and choice they offer.

9. What are the benefits of launching our own credit card program?

By far the greatest benefit of launching a credit card program through CardPartner is the significant money it can raise for your organization.

Not only do you receive a healthy $50 per active account, you’ll also receive a significant 0.3% of every purchase made on the card thereafter. This will be paid into your nominated account on a quarterly basis.

To get a rough idea of what you could generate by way of income, try our Revenue Calculator. For a closer look at the all the benefits, click here.

10. types of organizations can start a CardPartner Visa card program?

Local, regional and national professional groups, charities, schools, research groups, and sports clubs are just some of the eligible organizations. Here’s a much longer list. Very simply, if you represent a membership organization or charity, there’s a good chance you’ll be eligible to create your own credit card program through CardPartner.com. Please note that every request will be subject to approval by CardPartner, UMB and Visa. Email Customerservice@cardpartner.com if you have any questions about your group’s eligibility.

11. How will our supporter base feel about us promoting a credit card program?

Launching a Visa credit card program through CardPartner is a simple but effective way to raise funds for your organization and awareness of your mission. Your supporters will enjoy all the benefits and security that Visa provides, while using a card that reflects their passion and pride.

12. How long does it take to apply?

The process takes place online and shouldn’t take longer than 20 minutes.

13. Do I have to fill in any forms?

Yes, you will need to complete some simple forms online.

14. Do I have to complete the entire application all in one go?

It is very easy to save your form and log back in at another time. You will not even need a password. Simply provide your email address.

15. How long does it take to get a credit card program up-and-running?

Your Visa program could be up-and-running in as little as 2 weeks. Once you have designed you cards and completed your request, the review process starts. This process, which involves CardPartner, UMB and Visa, can take as little as 2 weeks. If your request is incomplete, or there is a need for clarification, the review may take a little longer.

16. Is a CardPartner credit card just like any other credit card?

Although the card comes with the benefits and protection you would expect with a platinum Visa card, it is in all other respects unique.

You can create up to 5 custom card designs that will promote awareness of your group and its mission. Plus, your organization shares in the revenue.

17. Designing our own cards sounds complicated. Is it?

You’ll be amazed at how easy it is, thanks to our very user-friendly online card “designer.” Start by uploading the images you would like to use and then rotate, flip or zoom in to create cards that showcase your organization. It really is very straightforward — and what’s more, it’s fun!

18. How many designs can we provide for our card?

You can create up to 5 different design choices for your credit card program..

19. Can anyone within our organization apply for the card program?

Yes, as long as they have the authority to act on the organization’s behalf.

20. Who markets the card? CardPartner?

CardPartner will provide you with a FREE and comprehensive online marketing kit which will make it easy for you to market the card yourself. The kit, which will be updated regularly, will include: a fully branded web page, where your supporters can apply for a card; a PDF of a flyer, which can be placed in the mail, handed out at events or made into a poster; an image of one of your card designs that can be used in online media, such as blogs, social networking sites and banners.

21. Can we market the credit card program in any way we like?

Please note that, since the card program extends a financial offer, you cannot adjust the language of the offer, supplied in documents from CardPartner, in any way. The way in which you promote your card program is at your discretion but should be relevant to your community. The use of unsolicited email (spam) and other inappropriate channels may not be used. In the event that inappropriate methods are used, CardPartner will have to terminate the agreement.

Keep in mind that we will provide you with a FREE and comprehensive marketing kit. Click here for details.

22. Does CardPartner offer debit or business card programs, too?

Currently, CardPartner is only offer consumer credit card programs.

23. How often does the revenue generated by our supporters get paid into our account?

It will be paid into your account on a quarterly basis.

24. What kind of information do we need to supply during the application process?

You’ll need to provide some basic information about your organization, including contact details, the type of organization you are, your profit status (e.g. not-for-profit, for-profit) and your date of incorporation. You’ll also need to tell us what you intend to call your card program and how many supporters you estimate will apply for a card. All in all, nothing too complex and nothing sensitive.

25. Do we have to hand over any sensitive financial information or bank details? If so, at what point?

When your request is approved, you will be asked for the details of the bank account where you would like us to deposit the revenue your program generates.

26. How do we know our credit card program has been approved?

We will inform you by email, typically within 2—3 weeks.

27. We’ve got supporters all around the world, not just in the US. Can they apply for a card, too?

At this time, only U.S. residents can apply for your organization’s card

28. Do our supporters have to earn a specific amount to be eligible for the card?

The application process for your supporters is just like that for any other credit card. Eligibility will depend on a number of factors, not just income.

29. How do our supporters apply for our new credit card?

They simply go to the web page we will provide you with once your application has been approved. Once there, they can apply through our secure online application process.

30. Are there different types of card, e.g. Platinum, Gold, etc?

At present, we are only offering the CardPartner Platinum Visa card. We do plan to introduce other card types in the future.

31. What interest rate does the card come with?

The interest rate for the CardPartner credit card is not fixed. Rates on credit cards typically vary over time. The current full financial offer will be prominently disclosed to your supporters when they apply.

32. How much income will the card program provide us with?

This depends on how many of your supporters use the card and their spending habits. The more supporters who use your card, the greater the income you’ll receive. It’s worth emphasizing that transaction volume, not revolving debt, is the determining factor. To get a rough idea of what your income could be, check out our Revenue Calculator.

33. What happens if one of our supporters can’t repay their debt? Are we liable?

There is no need to be concerned, as this would strictly be an issue between the individual cardholder and UMB, the bank issuing the card.

34. Our application was successful. What next?

Congratulations. Your card program is now up-and-running and ready to be promoted to your supporters using the online marketing kit we provided you. Follow the instructions in your approval email to find out more about how this works. We’ll also need your bank details, which we will pass on to UMB, so that they can deposit all the revenue generated by the card program directly into your account.

35. Our application was denied. What now?

Unfortunately, your organization did not satisfy one or more of our approval criteria and we therefore are unable to offer you a CardPartner credit card program at this time.

36. We were told our application was incomplete. What now?

Without all the requested information, we are unable to verify that your organization meets one or more of our approval criteria. Please check your email to see which information is outstanding and supply it to us as soon as possible so that we can reprocess your request.

37. I’ve got a question that’s not answered here. Who can I ask?

Please email your question to customerservice@cardpartner.com.

38. Can we contact CardPartner at any time with a question or query?

Yes, of course. Please feel free to email us at customerservice@cardpartner.com

39. What terms and conditions apply to a CardPartner credit card program?

To see our Terms and Conditions of the credit card in full, please click here.

Learn More

Click the links on the left to learn more or apply for your own credit card program now.

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