Payment Cards 12 Debit Cards, EBT and Broadband 13 Payment Card Industry/Data Security Payment Card Standard (PCI DSS) 15 Loyalty Programs 16
Section 2 Proprietary CITGO Payment Cards 12 Debit Cards, EBT and Broadband 13 Payment Card Industry/Data Security Payment Card Standard (PCI DSS) 15 Loyalty Programs 16
For Good Measure
Because plastic has long ago overtaken paper as the preferred method of payment, it is important that CITGO offer a host of payment card options to fit the needs and lifestyles of its customers. This year’s payment card line-up features enhancements and tools guaranteed to keep your custom- ers reaching for their CITGO Cards:
• The Business Select MasterCard® provides the same benefits as the CITGO Business Select Card and can be used at ALL sites, including non-CITGO locations!
• Our partnership with Heartland and SPRINT brings you a turnkey, competitively priced solution for your broadband needs.
• The CITGO PCI e-Learning Center provides a single-source destination to help you with your PCI and information security training needs.
• Preferred vendor Centego can help you create a customized loyalty program perfect for your busi- ness model.
10 Section 2: Payment Card
Proprietary CITGO Payment Cards Now that the new Centennial Image is available and the CITGO logo has broken free of its box, we’re updating our payment card suite to match. While some cards All CITGO customers are important to the success of your business. However, those wielding CITGO will receive a complete make-over, others will keep their current look, and feature proprietary payment cards are the most valuable only a refreshed CITGO logo. But, no matter how drastic or minimal the change the of all. Research shows that proprietary gasoline benefits of each card remain the same. cardholders are more likely to patronize a single Please continue to accept all card designs for all CITGO proprietary payment brand than the average customer. cards as a valid form of payment until they are phased out over the next year. CITGO Plus
New Design Citi® Platinum Select® CITGO CELEBRITY® Card Coming in 2011 CITGO MasterCard
• Up to 4 percent rebates on CITGO charges New Design and up to 1 percent rebates on other qualified Coming in 2011 purchases (up to a maximum of $50 in rebates each billing cycle) • No annual fee • Consolidation of gas charges • Worldwide MasterCard acceptance • Pay-at-the-pump convenience • Platinum card status • Flexible payment options • 5 percent rebates on • Additional cards for family and friends Your customers can apply by: domestic airline tickets at no extra cost • Calling 1-888-MY-CITGO • Credit card protection (all credit and • Itemized monthly statements • Logging on to www.citgo.com debit cards) • Access to online bill pay Your customers can apply by: • Completing an application available at all CITGO gas stations and mailing it in • Calling 1-800-GO-CITGO This premium “niche” consumer card features an active base of around 26,000 accounts • Logging on to www.citgo.com and has an annual fee of $29. For complete • Completing an application available at all CITGO Gift Card information, have your customers contact CITGO gas stations and mailing it in 1-800-756-2484.
Credit Card Application Acrylic Holders CITGO refills these holders with new applications each time new Point of Purchase (POP) materials are installed. All that is required of you is to keep the holders filled in between • Just like cash POP campaigns. • No dormancy fee Remember, two holders are required per • No expiration date each dispenser. To order, contact your Region • Rechargeable Marketing Programs Manager. • Balance check availability Customers are able to set the value of their card in whole dollar increments ranging from $5 to $300 at no cost to you or them. Just activate through the in-store Point of Sale (POS) terminal at the time of purchase, and they are ready to go.
12 Section 2: Payment Card VIP Hotline Debit Cards, EBT and Marketers and Retailers, but not consumers, Broadband may contact the CITGO/FleetCor Sales Manager Debit cards are a force with which to be using the information below to have an applica- reckoned, rivaling cash and credit cards as tion fast-tracked through the credit approval today’s payment method of choice. process, receive help closing a sale or answer The following is a list of debit networks any fleet-related questions. currently available to all participating CITGO HelpDesk retail locations: 1-800-561-4991 • ACCEL • Pulse/Tyme • AFFN • Quest EBT CITGO VIP Hotline CITGO Business, Business Select, • Alaska Option • NYCE 1-866-249-4723 Business Select MasterCard® and Fax: 1-877-470-2234 • CU24 • Star In-Store Cards [email protected] • Interlink • Visa ReadyLink Fleet managers handling dozens of vehicles • Maestro across state lines as well as local fleet managers CITGO/FleetCor Sales Managers with several vans or trucks are prime candidates Central Region for the CITGO Business card. The Business Select MasterCard provides Richard Cyr the same benefits as the CITGO Business Select (AR, IN, LA, MI, TX) Card, and it can be used at ALL sites, including 281-830-4879 non-CITGO locations! [email protected] Mark Kapturski If you’re interested in enrolling any or all of your Competitive Rebate Incentive (IL, WI) retail locations in the program, please contact the Your customers will continue to receive the 708-516-7913 CITGO POS HelpDesk at 1-800-533-3421, option 2. competitive rebate of 5 cents-per-gallon when [email protected] they use their CITGO Business/Business Electronic Benefits Transfer (EBT) Northeast Region Select cards (excludes CITGO Business Select EBT consi sts of two parts––Cash Benefit and MasterCard) during the first three months the Richard Cyr Food Stamps. CITGO currently offers Cash account is open. This rebate will appear as a (CT, DE, MA, ME, NH, NJ, NY, PA, RI, VT, WV) Benefit EBT through locations set up for debit credit on their second monthly statement. 281-830-4879 processing via Citicorp EBT and Quest EBT. [email protected] VeriFone Ruby and Sapphire system users Tiered-Volume Rebate Anthony Simmons can process electronic food stamp cards (EBT All CITGO Business Select and Business Select (MD, VA) Food Stamps) in most states. These systems MasterCard cardholders are eligible for the tiered- 202-812-9595 make processing food stamps much easier; they volume rebate.* These cardholders represent [email protected] require less training and are less likely to result 5 percent of our existing fleet accounts. in fraud or chargebacks. Most important, they The tiered structure is based on gallons Southern Region increase your sales potential by making it possible purchased and places the program among the Denny Easterday to meet the needs of an unconventional customer most competitive in the marketplace. (AL, FL, GA, MS, NC, SC, TN) payment card group. Call 1-800-533-3421, 770-617-5425 option 2, option 3 for more information. Gallons Per Month cents-Per-Gallon (CPG) [email protected] 500 – 2,499 1 Certified POS Systems 2,500 – 4,999 2 Web Presence The 2011 CITGO Certified POS Systems include: 5,000 – 6,999 3 A page on www.citgo.com enables customers • Gilbarco Passport (dial, VSAT and Internet) to apply, pay their bill and access their account 7,000 – 9,999 4 to manage fuel restrictions, set card limits and • Pinnacle Palm (dial, VSAT and Internet) 10,000+ 5 restrictions, cancel a card, etc. • VeriFone Ruby (dial, VSAT and Internet) • VeriFone Ruby/Sapphire (dial, VSAT *The tiered rebate applies only to purchases Customer Appreciation and Internet) made at CITGO-branded locations. Utilizing statement messages and inserts, CITGO • VeriFone Topaz/Sapphire (dial, VSAT Marketing Blitz will thank existing customers for their business and Internet) and contact inactive customers, encouraging A sales team has been assembled to help grow • VeriFone Vx570 stand-alone terminal them to visit their local CITGO station. the program, and a marketing brochure geared • FISCAL toward fleet customers is available. Section 2: Payment Card 13 Broadband Internet-Based Processing peace of mind that comes with knowing you are always running PCI-compliant software CITGO has partnered with Heartland and SPRINT and that any POS issues will be handled by a to bring you a turnkey, competitively priced professional service technician. solution for your broadband needs. Heartland provides the encryption module through its VeriFone HelpDesk and Software SmartLink technology; SPRINT provides the Maintenance Program connectivity piece of the solution, with its state- of-the-art 4G wireless product. Both product VeriFone now requires all users to subscribe lines are fully PCI compliant. to a HelpDesk and Software Maintenance program. But, CITGO was able to negotiate VeriFone Managed Service Program a price reduction for this service, and we’re passing it on to you! You are not required We have partnered with VeriFone to bring you to take advantage of this month-to-month a Managed Service Program, which will allow program, but you must complete an “opt you the use of either a full Ruby/Sapphire out” form if you don’t wish to participate. system or a Sapphire upgrade for your Ruby Additionally, VeriFone no longer allows at a low, fixed, monthly price. This solution CITGO to make courtesy calls at the request provides full, on-site maintenance and the of retail locations.
14 Section 2: Payment Card To obtain additional information on whether or not these solutions can benefit your business, contact one of the CITGO POS Product Managers listed below. Donna Gordon 1-800-423-8434, ext. 4781 Fax: 832-486-4476 [email protected]
Jeff Maybray 1-800-423-8434, ext. 4782 Fax: 832-486-4476 [email protected]
Sherry Thompson 1-800-423-8434, ext. 5494 Fax: 832-486-4476 [email protected]
Payment Card Industry/Data Security Standard (PCI DSS)
In 2006, VISA International, MasterCard Worldwide, American Express, Discover Financial Services and JCB jointly announced the formation of an independent council designed to manage the ongoing evolution of the Payment Card Industry (PCI) Data Security Standard (DSS), which focuses on improving payment account security throughout the transaction process. These standards globally govern all merchants and organizations that store, process and/or transmit cardholder data. Compliance with the PCI set of standards is mandatory, and is enforced by the major credit card brands that established the council. At this time, POS software must pass the PCI PA (Payment Card Industry Payment Application) standard and PIN Pads must be compliant with CITGO PCI e-Learning Center the Triple Data Encryption Standard (TDES) for In an effort to help you secure sensitive data and debit card processing. comply with mandatory card brand rules, CITGO, Questions regarding POS programs and in conjunction with ProPay, has developed the PCI-DSS POS compliance should be directed CITGO PCI e-Learning Center. This site is a free to Charlotte Loomiller at 1-800-423-8434, ext resource intended to provide a single-source 4718, or [email protected]. destination to help you with your PCI and Questions regarding PCI-DSS should be information security training needs. directed to Rhonda Todd at 1-800-423-8434, Three courses and step-by-step user instruc- ext 5366, or [email protected]. tions are currently available: • Basic Security Fraud – Sales Associates • Intermediate Security Fraud and PCI DSS – Store Managers
Section 2: Payment Card 15 16 Section 2: Payment Card • PCI Compliance Basics – Store Managers • Step-by-Step PCI e-Learn- ing Center User Instruc- tions – Store Managers and Sales Associates These courses have been designed by industry experts with significant training experience. They outline the requirements necessary to meet PCI compliance, measures that can be taken to prevent fraud at a location, the meaning behind the 12 PCI rules and much more. Courses are tracked and scored, with certificates of achievement given upon successful completion. Additionally, an array of reporting can be generated to show which courses have been completed and by whom. Contact your gasoline supplier to enroll. choices for fuel rewards due to their higher Great news! We now have loyalty experts margins. You may also be a redemption center for available to take care of all the hard work fuel rewards issued by partner businesses such for you. They will help you get started, help Loyalty Programs as grocery stores, auto dealerships, etc. In this you design your customer loyalty cards and CITGO has a new partner for C-store loyalty. case, the issuing partner funds the rewards. POP, and even order them for you. They will Centego, owned by Excentus, has acquired recommend promotions and set them up in MetroSplash Systems Group. How do I get an Issuing Partner? your POS system. They will even help you For the past several years MetroSplash has In some cases, your C-store may be in the right with the negotiations to get suppliers on worked with CITGO to put together state-of- location to redeem rewards for a grocery store, board to help fund some of your rewards. the-art, technology-based loyalty programs. etc. In other cases, make your loyalty program For more information or to get started, Now Centego, with the backing and resources the best that it can be by signing up lots of contact Josh Griffith at Centego at of Excentus, the leader in loyalty products and participants. Your success will likely draw the 972-793-6736, or [email protected]. You services in our industry, will be working with attention of other local businesses. can also visit the www.centego.com. CITGO to bring you the best fuel rewards-based If you have questions, contact Dan Rickel, loyalty programs available today. Do I really need a loyalty program? CITGO Marketing Technology Manager, at 918-437-0206, or [email protected]. Customers today are looking to save money on Fuel Rewards Frequently everything. An effective loyalty program allows Asked Questions you to help your customers save money, while promoting the goods and services you want Why Fuel Rewards? to sell. Loyal customers visit more often and Fuel rewards have proven very effective in buy more of what they need from you. If you motivating consumers. When a customer par- don’t offer your customers a loyalty program, ticipates in your loyalty program, they no longer someone else probably will. have to pay the price on the sign for their fuel. Will my POS system work for a The price they pay for fuel depends on the level loyalty program? of their participation in your program, but you get paid the advertised price. You will need a loyalty-enabled POS system. CITGO locations can participate if they are Who pays for the discount? using a VeriFone Ruby with Sapphire, a Gilbarco Passport or a Fiscal POS system. You can That depends. You can offer fuel rewards for the participate on a limited basis with the VeriFone purchase of any item or service available in your Vx570. CITGO is working with POS vendors to store. Many vendors will offer funds toward fuel add this technology to additional POS systems. rewards for the promotion of their products. You can also convert other discounts and I don’t have the time or expertise to run a promotions currently offered to fuel rewards. loyalty program! Fountain, deli and services are usually good Section 2: Payment Card 17