allpay Prepaid MasterCard® Cards

Framework agreementA framework agreement for prepaid cards, led by NEPO (the North East Procurement Organisation) has been awarded to allpay Limited. It is available nationally to local authorities and other parts of the public sector through the Pro5 Group. At a time of increasing cost pressures, the framework provides a legally sound and cost effective procurement route to achieve swift implementation of new services.

About allpay... allpay Limited is the UK’s leading public sector payments specialist. Established in 1996, its core business concentrates on providing bill payment services and handles around £3.8 billion a year across 46.8 million transactions. The company’s aim is to work with each of its clients to save them money through creating modern payment systems that are both cost effective and convenient for the end consumer.

Operating from a Payment Card Industry Data Security Standard (PCI DSS) compliant site, allpay has recently become the UK’s newest independent card services company to achieve both MasterCard® and Visa© accreditation. And in August 2010 allpay was shortlisted in the global Prepaid Awards for outstanding prepaid card manufacturing.

Specialists in payments...

No other organisation offers such a modern, comprehensive and unique payment service. Our dedication to providing a service that meets the needs of our clients and their customers has earned us the trust of more than 750 government based clients.

The Prepaid MasterCard® Card from allpay enables you to achieve more control over the distribution of funds, moving away from costly cash, cheques and vouchers. This new cost-effective payment solution will modernise your payment methods and processes, allowing your customers to receive electronic payments directly onto their own personalised allpay Prepaid MasterCard® Card*.

Card holders then have freedom to withdraw cash from an ATM or shop wherever they see the MasterCard® Acceptance Mark.

allpay makes the card simple and quick for you to set up and use through a fully web-based card management system. This means you will have no major IT system development to get up and running. You order your customers’ cards via the web and load their funds directly onto their personalised cards. You can also cancel or stop cards and make amends to customer details. Together with the provision of a full audit trail, this means you’re in complete control.

OO You will have a modern payment service and improved efficiency

OO Your customers will have the most convenient payment option possible.

*Subject to ID verification

The Prepaid MasterCard® Card is issued by Prepay Technologies Ltd pursuant to license by MasterCard International Incorporated.

This card is an electronic money product.

PrePay Technologies Ltd is authorised and regulated by the Financial Services Authority for the issuance of electronic money.

MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

allpay is a registered agent of PrePay Technologies.

Current Terms and Conditions are available on www.allpay.net/allpaycard1

About NEPO...Established in 1976, the North East Procurement Organisation (NEPO) undertakes high-value procurement in major strategic areas of spend (such as social care) on behalf of the twelve north east local authorities and a range of associate members.

NEPO’s primary objective is to deliver significant savings to the north east public sector through collaborative procurement.

In 2012 NEPO awarded its prepaid cards contract to allpay making it possible for local authorities and other public bodies to manage and monitor cash disbursements whilst helping to improve processes and reduce costs.

Why use NEPO contracts?

OO Make savings – it is anticipated that the process improvements delivered by the prepaid cards contract will attract savings of approximately 20%

OO Save staff time – the average public sector procurement costs around £46k, NEPO’s professionally procured contracts allow members to focus resources elsewhere

OO Legally compliant – NEPO contracts are procured through a fully auditable and compliant process

OO Innovative, flexible solutions that meet commercial needs – NEPO’s collaborative approach to procurement ensures that contracts reflect best practice and expertise from a range of sources

OO Sensitive to social and economic considerations – NEPO has set out clear expectations to its supply base in terms of social and economic matters (such as sustainability and economic development).

Read more about NEPO and its range of contracts at www.nepoportal.org

This brochure provides further information on the benefits of using prepaid cards and guidance on how to use the contract. NEPO has also developed a User Guide to support members in using the contract (available at www.nepoportal.org).

2

Would your organisation benefit from…

OO modernising your payment methods and processes?

OO improving cost-efficiency?

OO providing a better payment experience for customers?

OO improving contol over the distribution of funds?

Would your customers benefit from having a payment card which...

OO is available to all, regardless of financial circumstance*?

OO gives the freedom to shop anywhere?

OO avoids the cost of payment conversion?

At allpay our team of experts will work closely with you to understand your

payment needs and design the right scheme for you and your customers.

allpay Prepaid MasterCard® Card. The right choice.

*Subject to ID verification

3

*Subject to ID verification

**The Prepaid MasterCard Card is not covered by s.75 of the credit consumer Act 1974

The allpay Prepaid MasterCard® CardA fully functional bespoke payment card that can be used at any location worldwide displaying the MasterCard® Acceptance Mark** to make purchases or withdraw cash at ATMs. The allpay Prepaid MasterCard® Card is simple to set up and secure to use with no credit check required*.

www.allpay.net/allpaycard Account No.

AUTHORISED SIGNATURE - NOT VALID UNLESS SIGNED

This card is an electronic money product. PrePay Technologies Ltd is authorised and regulated by the Financial Services Authority for the issuance of electronic money.For conditions of use www.allpay.net/allpaycard

Not To Be Used As Identification.

Customer Services: 0844 557 8317

If found, please return to: allpay, Fortis et Fides, Whitestone Business Park, Whitestone, Hereford, HR1 3SE

This card is issued by PrePay Technologies Ltd pursuant to license by MasterCard International.

Allpay

Chip and PIN

Card numberEmbossed as a reverse indent allowing for electronic use only

Card validation and verification number (CVV)This provides retailers with an additional security check

Magstripe or Chip & Pin

24 hour website for card activation and enquiries

0373 495

Card front

Card back

*Subject to ID verification

4

Co-ordinated marketing…Strengthen your organisation’s identity and customer loyalty with the option of bespoke cards, letters and cardholder website with your own branding...

allp

ayp

ublic

ap

pcm

001

(1)

Talk to us today: 0844 557 8316Vist www.allpay.net/prepaid_cards or enquiries@allpay.net

The allpay Prepaid MasterCard® Card

How will Prepaid Cards benefit your organisation?

Supports financial inclusion initiatives

Saves money - reduces processing costs & streamlines operations

Improved control - enhanced payment reports, reconciliation &audit trails

Improved security - reduces the possibility of fraud includinglost and stolen payments

Payments delivered in a more timely manner with improved traceability

Fully tailored around your needs - fits the specific requirementsof your organistion

Card can carry your own organisational branding

No major IT system developments required

How will a Prepaid Card benefit your cardholder?

Available to all, regardless of financial circumstance*

Avoids the cost of payment conversion

Provides the freedom to shop anywhere - use like a credit/debitcard. Wherever you see MasterCard® Acceptance Mark**

Controls spending - only spend what is loaded on the card

Real-time balance information online or by phone

Much safer than carrying cash - protection from fraudulent useand card loss with a PIN

Additional cardholders can be added

Enhanced customer service - customised cardholder website andpayment or balance notifications via text messaging

Social care benefits Expenses & petty cash Decorating allowance Pension payments

Unemployment benefits Disability benefits Tax credits Child benefits Payroll Housing benefits

*Subject to ID verification **The Prepaid MasterCard card is not covered by s.75 of the Credit Consumer Act 1974

This card is issued by Prepay Technologies Ltd pursuant to license by MasterCard International Incorporated. This card is an electronic money product.PrePay Technologies Ltd is authorised and regulated by the Financial Services Authority for the issuance of electronic money.MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. allpay is a registered agent of PrePay Technologies.Current Terms and Conditions are available on www.allpay.net/allpaycard

Modernise your payment methods and processes with a NEW cost-effective payment solution. The Prepaid MasterCard® Card from allpay enables organisations to have more control over the distribution of their funds, moving away from costly cash, cheques & vouchers.

allpay.net Fortis et Fides Whitestone Business Park Hereford HR1 3SETel 0870 243 3434 Fax 0870 243 6041 www.allpay.net enquiries@allpay.net

bccl1001.5

WELCOME TO YOUR PREPAID CARDThe allpay Prepaid MasterCard® card is provided to you as a simple and convenient way of paying for business expenses. Funds are simply loaded onto the card by the company and then you can use it in the normal course of business.

HOW TO ACTIVATE YOUR CARD

STEP 1Sign the reverse of your card and then call Customer Services 0844 557 8317 and select the option to activate your card. Your activation code is located at the top of this letter.

STEP 2Once your card has been activated you will be given your 4 digit PIN number. Please ensure that you remember your PIN and keep it safe. You will need your PIN to make card purchases in shops and trade outlets, and to withdraw cash from ATMs.

By activating your card you accept the terms and conditions on the reverse of this letter.

USING YOUR CARDThis card can be used anywhere displaying the MasterCard® Acceptance Mark. You can withdraw up to £250 a day from an ATM. You can check your balance by:

• Visiting www.allpay.net/allpaycard• Texting “Balance” & your account number from a registered mobile phone to 81025• Calling Customer Services 0844 557 8317

When funds are loaded you will receive a text message, provided your mobile phone has been registered.

TERMS AND CONDITIONSPlease keep your card safe. The e-money loaded onto your card should be treated just like the cash in your wallet. The full terms and conditions are on the reverse of this letter, please read through carefully. Charges will be made in accordance with the Fees section on the reverse of this letter.

In the event of loss or theft of the card, you are responsible for reporting this as soon as possible by calling Customer Services on 0844 557 8317 and selecting the Lost & Stolen option. As soon as this is done, your card will be immediately blocked, protecting you from unauthorised usage. Any withdrawals or purchases made before the card is reported lost or stolen will be charged to your account.

It is extremely important that you read and familiarise yourself with the full terms and conditions on the reverse of this letter. If you experience any problems activating or using your card, please call Customer Services 0844 557 8317.

This card is issued by PrePay Technologies Ltd pursuant to license by MasterCard International.This card is an electronic money product. PrePay Technologies Ltd is authorised and regulated by the Financial Services Authority for the issuance of electronic money.

MasterCard is a registered trademark of MasterCard International Incorporated.

Yours faithfully

Nick PeplowFor and behalf of allpay

Please also read the back of this letter for full details and to review the Fees section.

Card CarrierDirect Mail

Cardholder Website

MasterCard® Prepaid Card

Organisation’s Website

*Subject to ID verification

5

How we do it...

*Subject to ID verification

6

Benefits for you and your customers...A modern, flexible payment service improving efficiency and convenience for all...

*Subject to ID verification

***The Prepaid MasterCard® Card is not covered by s.75 of the credit consumer Act 1974

****www.highbeam.com

OO Saves moneyReduces processing costs and streamlines operations

OO Supports financial inclusion initiativesThrough access to banking system

OO Saves timePayments delivered in a more timely manner with improved traceability

OO Tightens control Enhanced payment reports, reconciliation and audit trails

OO Improves securityReduces the possibility of fraud including lost and stolen payments

OO Fully tailored around your needs We work to the specific requirements of your organisation for best value

OO Strengthens your organisation’s identity and customer loyaltyBespoke cards, letters and cardholder website with your own branding produced in-house

OO No major IT system developments required A fully web-based service, providing a full audit trail

OO Improves customers satisfactionHighly efficient service for faster, hassle free payments.

OO Greater convenience Use like a credit/debit card wherever you see the MasterCard® Acceptance Mark*

OO Financial inclusionAvailable to all regardless of financial circumstance***

OO Avoids the cost of payment conversion On average the un-banked individuals pay 8% to cash cheques****

OO Improves financial capability Customers can only spend what is loaded onto the card

OO Quick and easy Real-time balance information online or by phone

OO Safe Much safer than carrying cash - protection from fraudulent use and card loss with a PIN. If a card gets lost or stolen, the remaining balance will be transferred across to a new account, and a replacement card will be sent

OO Additional cardholders can be added Providing joint access to monies

OO Enhanced customer service Customised cardholder website and payment or balance notifications via text messaging or customer services helpline.

For you For your customers

7

Using the allpay card has simplified the process for dealing with large quantities of receipts and invoices for low value goods. It cuts down significantly on the time and costs of processing individual invoices and reduces the problems associated with staff having to deal with cash payments.

Issy Fisher, Project Manager, Children and Younger Adults, Derbyshire County Council

Derbyshire County Council found that the allpay Prepaid MasterCard® Card significantly improved efficiency, providing secure and immediate disbursement of funds to young people

The allpay Prepaid MasterCard® Card has contributed immensely to the smooth running of the organisations operation as well as being welcomed by our auditors and insurance provider. We are happy with the support we receive from allpay as our questions are answered promptly. Thanks to all staff at allpay who made the transition so easy for our staff and participants using the cards.

Gloria Lewis, Head of Resources, Peter Bedford Housing Association

Implementing the allpay Prepaid MasterCard® Cardhelped Peter Bedford Housing Association to deliver cost savings in the business of 45% in the first year

At Gentoo, we are committed to tackling financial exclusion through a range of successful initiatives. Opening up access to online services and other ways for our customers to save money is really important to us. allpay’s prepaid cards will allow our customers, who don’t have the luxury of bank accounts, to receive payments without having to take cheques to places that charge high rates for cashing them.

We decided to pilot the scheme following consultation with our Income Management Customer Focus Group and because of its complementary fit with our overall financial inclusion agenda. It is a step forward, utilising modern technology to enable the move away from having to carry money and paying small amounts of petty cash to large groups of people, whilst also streamlining and improving the services we offer to our customers.

If this pilot is successful, in the future this product could also be an ideal replacement for cash and cheque transactions across Gentoo, saving us both time and money. There may be options for it to be used in various guises across the group from making payments to customers and staff when attending conferences and events.

Andrew Taylor, Deputy Chief Executive, Gentoo

The prepaid team from allpay had full understanding of our requirements and were willing to discuss and explore a number of options. The project was designed to save time and money and offer our service users and support teams a more streamlined operational service. allpay was committed from day one to ensure all project aspects were contained within budgets for cost and time.

We have now extended our relationship to include prepaid cards for use in Court of Protection.

It is trying times in the public sector and any way to save time and money is high on the agenda. I would recommend allpay to all local authorities involved with Court of Protection.

Paul Welby, Team Leader, City of York Council

8

What could a prepaid card be used for…...the prepaid card is flexible and versatile and can be used in many ways

Housing Benefit Housing Benefit

Foster Care - Young people leaving care

Asylum Seekers

Court Protection

Direct Payments - Adults

Direct Payments - Young people

Foster Care - Emergency payments to foster carers

Disabled Facilities Grant

Staff Expenses

Personal Health Budgets

No Recourse to Public Funds

9

We’ll work together to create the perfect system for you.

Your dedicated payment specialists...

Richard Roberts

OO Phone: 07841 235 197

OO Email: richard.roberts@allpay.net

Ley Wilson

OO Phone: 07525 803 542

OO Email: ley.wilson@allpay.net

For further information from NEPO contact:

Laura HoodNEPO Procurement Officer

OO Phone: 0191 433 5972

OO Email: laura.hood@nepo.org

10

Fortis et Fides Whitestone Business Park Whitestone Hereford HR1 3SE

0844 225 5729 enquiries@allpay.net

www.allpay.net

allpaypublic apppclwnepo 001(1) Printed by allpay