Prepaid Stored Value Cards". A limitation is that these cards cannot be used for online, telephone, mail order and other " card not present transactions ". They are typically of fixed amounts and are commonly known as merchant gift cards or store cards. Learn About Want List.
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Want List Auction Alerts Pending auction Email alerts may be sent to you for the following auction companies: A stored-value card is a payments card with a monetary value stored on the card itself, not in an external account maintained by a financial institution.
Stored-value cards differ from debit cards , where money is on deposit with the issuer ,  and credit cards which are subject to credit limits set by the issuer.
Another difference between stored-value cards and debit and credit cards is that debit and credit cards are usually issued in the name of individual account holders, while stored-value cards may be anonymous, as in the case of gift cards.
Stored-value cards are prepaid money cards and may be disposed when the value is used, or the card value may be topped up, as in the case of telephone calling cards or when used as a fare card. The term closed-loop means the funds and or data are metaphorically 'physically' stored on the token or card in the form of binary-coded data.
In the case of Bitcoin and other crypto currencies, this information is stored in the network on a so called blockchain and maintained by the network itself. With prepaid cards the data is maintained on the card issuer's computers.
The value can be accessed using a magnetic stripe embedded in the card, on which the card number is encoded; using radio-frequency identification RFID ; or by entering a code number, printed on the card, into a telephone or other numeric keypad or in the case of crypto currency, by signing over the value to another party. There is no common name for stored-value cards, which are country or company specific. Department of the Treasury manages three stored-value card programs: Stored-value cards are most commonly used for low-value transactions, such as transit system farecards , telephone prepaid calling cards , cafeterias , or for micropayments in shops or vending machines.
They also have an advantage over most other payment cards in that when making, say, a purchase telecommunication facilities are not needed, which may be important in situations where the availability or reliability of these facilities are uncertain or costly, especially for low-value transactions.
A benefit to the merchant is that bank transaction fees are not incurred as the transaction is processed offline and there need not be a reference to the bank for processing.
A limitation is that these cards cannot be used for online, telephone, mail order and other " card not present transactions ". The German Geldkarte and the Austrian Quick card can also be used to validate a customer's age at cigarette vending machines.
Typical applications of organization specific or industry specific prepaid card include payroll cards , rebate cards , gift cards , cafeteria cards and travel cards and U. Stored-value cards can save organizations a considerable amount of money if customers add a large sum of funds at one time to the card and then pay a lower transaction fee for each use of the card on smaller purchases. Closed system prepaid cards are cards issued by a merchant and may only be redeemed for purchases from the merchant.
They are typically of fixed amounts and are commonly known as merchant gift cards or store cards. These cards are typically purchased to be used as gifts, and are increasingly replacing the traditional paper gift certificate.
Generally, few if any laws govern these types of cards. Card issuers or sellers are not required to obtain a license. As debts owed to consumers who purchased the card, these purchases remain on the books of a merchant as a liability rather than an asset.
Consequently, gift certificates and merchant gift cards have fallen under state escheat or abandoned property laws APL. However, the emergence of closed system prepaid cards has blurred the applicability of APL. North Carolina and Illinois have excluded these types of cards from APL provided the card has no expiration date or a service fee. Maine and Virginia require the issuer to pay the state when the cards are abandoned.
In Connecticut an issuer is required to identify the residence of the gift card owner. Since most merchant gift cards are anonymous, the residence of the card's owner is deemed to be the state's treasurer's office. Presently, no law requires a merchant to provide refunds for lost or stolen cards. Whether a refund is possible is specified in an issuer's cardholder agreement.
In addition, most closed system cards cannot be redeemed for cash. When a cardholder redeems all but an insignificant portion of the card on merchandise, that amount is generally lost and is a windfall gain for the issuing merchant.
The merchant also obtains a windfall gain if a card has an expiry date and the cardholder fails to use the full value by that date. Furthermore, the merchant has an interest-free use of the value until it is redeemed. Semi-closed system prepaid cards are similar to closed system prepaid cards. However, cardholders are permitted to redeem the cards at multiple merchants within a geographic area.
SMR Online is the only official price guide for PSA-certified collectibles and it is the most comprehensive price guide in the hobby. It includes over , prices for a host of different collectibles including, but not limited to: sports and non-sports trading cards, autographs, unopened packs, tickets, professional model bats and graded baseballs. Graded Baseball Card Values Price Guide. With values based ONLY on sales transactions of graded sports cards that occur on eBay and major auction houses, tanzaniasafarisorvicos.ga is the hobby's authoritative baseball card value price guide. Baseball Card Values; Baseball Card Values. N Old Judge: N28 Allen & Ginter: N29 Allen & Ginter: N Goodwin Champions: Mayo's Cut Plug (N) Fan Craze-American League: Fan Craze- National League: .