Banking Up provides technology and services to deliver good banking for all consumers

Service Modules

The Banking Up platform operates on top of prepaid processing platforms. It is hosted in an SSAE-16 compliant data center, and operated in compliance with PCI-DSS security requirements.
Mouse-over (or tap if using a touchscreen) to see a description of each module.

CONSUMER ENGAGEMENT
WebCallout Arrow Online enrollment for consumers
Forms can be configured with different text, graphics and form fields as a function of link codes that track where the applicant came from. It allows program managers to measure and optimize their customer acquisition campaigns. The tracking code system has 2 levels, allowing a program manager to have sub-origins (e.g. affiliates) inside a given channel (e.g. web or radio or TV)
TabletsCallout Arrow Tablet-based enrollment interface
for sales agents in branches, sales offices, malls and at events to enroll consumers securely even in public and roaming environments. The tablet app is for Android and includes clerk/sales-person authentication using the sub-origin tracking codes of the enrollment tracking system
Pen & PaperCallout Arrow Pre-enrollment portal for sales agents
to automatically distribute email invitations to applicants who have filled paper-based forms, allowing them to complete their enrollments by only providing their SSN and date of birth.
MobileCallout Arrow Mobile account opening
allows applicants to enroll through their smartphones (Android only).
ENROLLMENT
PC WebCallout Arrow Dynamic, browser-based dashboard
for cardholders to access and manage all of the available functions in their prepaid account and allowing program managers to define which functions are accessible to which cardholder, and to display custom news messages to subsets of cardholders
Phone WebCallout Arrow Mobile browser based dashboard
for cardholders to access and manage all of the available functions in their prepaid accounts from any non-smart phone with a data plan, with the capability to default to WAP for lower end phones
Mobile AppCallout Arrow Android and iOS applications
for cardholders using smart mobile devices to access and manage all of the available functions in their prepaid accounts, and allowing program managers to distribute over-the-air push notifications to subsets of cardholders
APICallout Arrow SOAP/XML API
allowing the consultation of accounts for any third party wishing to create its own account management interface and not use any of the 3 account access systems above
ACCOUNT ACCESS
Reward PointsCallout Arrow Configurable rewards points system
allowing program managers to award points to cardholders based on a choice of loading and spending behaviors and to let cardholders redeem the points at different thresholds into either cash back or other non-cash rewards. Parameters of the rewards points is also customizable based on service tiers (eg Classic versus premium cardholders).
Loyalty PointsCallout Arrow Configurable upgrade points system
allowing program managers to award points to cardholders based on a choice of loading, referral, saving and spending behaviors and to elevate cardholders to premium statuses with programmable privileges
Tiered StatusCallout Arrow Configurable tiered fee system
allowing program managers to define dynamic fee structures based on cardholder loading behavior or amounts of upgrade points accumulated
CUSTOMER RETENTION
On Demand Paper Checks Callout Arrow On-demand check writing
interface and service allowing cardholders to write paper checks to pay anyone (people, landlords, businesses). The check-writing User Interface is also available as a front-end for electronic bill payments to provide a consistent and well-known paradigm. Available through the online dashboard, mobile wab and mobile app.
Mobile Top-Ups Callout Arrow Mobile To-Up Service
and associated User Interface allowing cardholders to add packages of minutes to their prepaid cellphones in the US of the prepaid cellphones of family and friends in 85 overseas countries
BILL PAY
Automated Savings Purse Callout Arrow Non-spendable purse
with separate statements and programmable automated settings allowing cardholders to define how much they wish to save per period of time. The savings purse is connected to third-party SaveUp.com to allow customers to participate in free sweepstakes proportional to their savings.
OFX I/F to Budgeting Tools Callout Arrow Interface to Intuit/Mint
allowing the spending balance and the savings balance of the prepaid accounts to be provided to Personal Financial Management tools for budgeting purposes.
API Callout Arrow SOAP/XML API
allowing the transfer of funds between the spending and saving balances of the prepaid accounts, for third parties wishing to develop their own saving programs, budgeting tools or financial literacy services.
SAVINGS SERVICES
Cash Loads Callout Arrow Interface to Green Dot's Push API
allowing program managers to offer cash Reload @ the Register™ at tens of thousands of locations
Mobile Deposit Capture of Checks Callout Arrow Mobile Deposit Capture
of paper checks using the Ingo® Money service, giving accountholders the choice of receiving funds in a few minutes for a fee or in a few days at no cost.
Check Cashing Callout Arrow Wal-Mart Rapid Reload®
allows accountholders to cash checks into their prepaid cards at participating Wal-Mart stores for a low fee.
ACCOUNT FUNDING
Referral Tracking Callout Arrow Referral tracking system
allowing program managers to assign unique ambassador codes to every cardholder and keep track of which cardholder successfully refers other people to become cardholders.
Peer Rewarding Callout Arrow Peer reward system
allowing program managers to inject monetary rewards to referrers and new cardholders tracked by the Referral Tracking mechanism.
VIRAL MARKETING
Mobile Push Alerts Callout Arrow Mobile Push Alert
edition & distribution system allowing systemic (transactional) or ad-hoc (marketing) messages to be created & edited with a WYSIWIG interface, and stored as templates for later re-use. Messages can contain text, pictures and links, and are intended to be displayed on smartphone screens.
Web Ad Pods Callout Arrow Web Advertising Pods
edition & insertion system allowing messages to be created with a WYSIWIG interface for insertion in select areas of the online dashboard of accountholders.
Emails & Newsletters Callout Arrow Emails & Newsletters
creation & distribution system allowing systemic (transactional) or ad-hoc (marketing) messages to be created & edited with a WYSIWIG interface, and stored as templates for later re-use. Messages can contain text, pictures and links, and are intended to be displayed inside email clients and browsers.
Consumer Portal Redaction Callout Arrow Consumer Portal Redaction
system allowing a Site Editor to edit-in-place the content of consumer online dashboards for immediate updates.
MESSAGING
Accounts & Users Callout Arrow Users & Accounts Reporting
system for displaying and downloading reports & charts about accountholders & account data, and searching for specific accountholders.
Enrollments & Transactions Callout Arrow Enrollments & Transactions Reporting
system for displaying and downloading reports & charts about purchase & load transactions by type, in details or in aggregate.
Access & Services Callout Arrow Access & Services Reporting
system for displaying and downloading reports & charts about non-financial transactions and services, such as accesses to the web portal, accesses to and types of mobile devices, usage of mobile top-ups, etc.
REPORTING
Risk Management Callout Arrow Risk Management System
to detect and prevent fraudulent enrollment attempts, suspend & blacklist select customers, and set velocity limits on certain transactions.
Looking Glass Callout Arrow Looking Glass
allowing Customer Support personnel and Site Editors to see exactly what accountholders see through their online dashboard, for more immediate problem resolution and site adjustments.
CUSTOMER SUPPORT
PORTFOLIO MANAGEMENT

API

We offer a SOAP/XML API to qualified third parties interested in developing their own User Interface for access to card accounts.
The API also allows the transfer of funds between the spending and saving balances of prepaid accounts, and between 2 card accounts in the same BIN for third parties wishing to develop their own saving programs, budgeting tools or financial literacy services.

Download the API documentation

Enrollment

Web sign-ups

Online enrollment for consumers: forms can be configured with different text, graphics and form fields as a function of link codes that track where the applicant came from. It allows program managers to measure and optimize their customer acquisition campaigns. The tracking code system has 2 levels, allowing a program manager to have sub-origins (e.g. affiliates) inside a given channel (e.g. web or radio or TV)

Face to Face sign-ups via Tablets

Tablet-based enrollment interface for sales agents in branches, sales offices, malls and at events to enroll consumers securely even in public and roaming environments. The tablet app is for Android and includes clerk/sales-person authentication using the sub-origin tracking codes of the enrollment tracking system

Face to Face sign-ups via Pen & Paper

Pre-enrollment portal for sales agents to automatically distribute email invitations to applicants who have filled paper-based forms, allowing them to complete their enrollments by only providing their SSN and date of birth.

Mobile sign-ups from smartphones

Consumer sign ups for new accounts from a mobile application. This includes the same full Customer Identification Process as the web and tablet methods.

Account Access

Web Dashboard

Dynamic, browser-based dashboard
for cardholders to access and manage all of the available functions in their prepaid account and allowing program managers to define which functions are accessible to which cardholder, and to display custom news messages to subsets of cardholders

Web Phones

Mobile browser based dashboard
for cardholders to access and manage all of the available functions in their prepaid accounts from any non-smart phone with a data plan, with the capability to default to WAP for lower end phones

Mobile Apps

Android and iOS applications
for cardholders using smart mobile devices to access and manage all of the available functions in their prepaid accounts, and allowing program managers to distribute over-the-air push notifications to subsets of cardholders

API

SOAP/XML API
allowing the consultation of accounts for any third party wishing to create its own account management interface and not use any of the 3 account access systems above.

Retention Services

Reward Points

Configurable rewards points system
allowing program managers to award points to cardholders based on a choice of loading and spending behaviors and to let cardholders redeem the points at different thresholds into either cash back or other non-cash rewards. Parameters of the rewards points is also customizable based on service tiers (e.g. Classic versus premium cardholders).

Loyalty Points

Configurable upgrade points system
allowing program managers to award points to cardholders based on a choice of loading, referral, saving and spending behaviors and to elevate cardholders to premium statuses with programmable privileges.

Tiered Status

Configurable tiered fee system
allowing program managers to define dynamic fee structures based on cardholder loading behavior or amounts of upgrade points accumulated.

Bill Pay

On-demand paper checks

User Interface and Service allowing cardholders to write paper checks to pay anyone (people, landlords, businesses). The check-writing User Interface is also available as a front-end for electronic bill payments to provide a consistent and well-known paradigm. Available through the online dashboard, mobile wab and mobile app.

Mobile Top-Ups

Mobile To-Up Service and associated User Interface allowing cardholders to add packages of minutes to their prepaid cellphones in the US of the prepaid cellphones of family and friends in 85 overseas countries

Savings

Automated Savings Purse

Non-spendable purse with separate statements and programmable automated settings allowing cardholders to define how much they wish to save per period of time. The savings purse is connected to third-party SaveUp.com to allow customers to participate in free sweepstakes proportional to their savings.

OFX Interface to Budgeting Tools

Interface to Intuit/Mint allowing the spending balance and the savings balance of the prepaid accounts to be provided to Personal Financial Management tools for budgeting purposes.

API

SOAP/XML API allowing the transfer of funds between the spending and saving balances of the prepaid accounts, for third parties wishing to develop their own saving programs, budgeting tools or financial literacy services.

Account Funding

Cash Load

Interface to Green Dot's Push API
allowing program managers to offer cash Reload @ the Register™ at tens of thousands of locations

Mobile Deposit Capture

Mobile Deposit Capture of paper checks using InGoMoney service, giving accountholders the choice of receiving funds in a few minutes for a fee or in a few days at no cost.

Check Cashing

Connection to Rapid Reload® from Wal-Mart and GreenDot, allowing accountholders to cash checks into their prepaid cards at participating stores for a low fee.

Viral Marketing

Referral Tracking

System allowing program managers to assign unique ambassador codes to every cardholder and keep track of which cardholder successfully refers other people to become cardholders.

Peer Rewards

System allowing program managers to inject monetary rewards to referrers and new cardholders tracked by the Referral Tracking mechanism above.

Messaging

Mobile Push Alerts

Edition & Distribution system allowing messages to be created & edited with a WYSIWIG interface, and stored as templates for later re-use. Messages can contain text, pictures and links, and are intended to be displayed on smartphone screens.

Web Ad Pods

Edition & insertion system allowing messages to be created with a WYSIWIG interface for insertion in select areas of the online dashboard of accountholders.

Emails

Creation & distribution system allowing systemic (transactional) or ad-hoc (marketing) messages to be created & edited with a WYSIWIG interface, and stored as templates for later re-use. Messages can contain text, pictures and links, and are intended to be displayed inside email clients and browsers.

Consumer Portal Redaction

System allowing a Site Editor to edit-in-place the content of consumer online dashboards for immediate updates.

Reporting & Analytics

On Accounts & Users

System for displaying and downloading reports & charts about accountholders & account activity, and searching for specific accountholders.

On Enrollments & Transactions

System for displaying and downloading reports & charts about purchase & load transactions by type, in details or in aggregate.

On Online Accesses & Services

System for displaying and downloading reports & charts about non-financial transactions and services, such as accesses to the web portal, accesses to and types of mobile devices, usage of mobile top-ups, etc.

Customer Support

Risk Management

System to detect and prevent fraudulent enrollment attempts, suspend & blacklist select customers, and set velocity limits on certain transactions.

Looking Glass

Service allowing Customer Support personnel and Site Editors to see exactly what accountholders see through their online dashboard, for more immediate problem resolution and site adjustments.