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NYS Farmers Market Wireless EBT Program

NYS Farmers Market Wireless EBT Program. 2011 EBT Program. eFunds Corporation Verifone v610 terminal Verizon Digital service 24 hour technical support eFunds training on terminal usage Signed market agreement Signed farmer agreements Issuance/redemption logs. Pricing structure.

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NYS Farmers Market Wireless EBT Program

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  1. NYS Farmers Market Wireless EBT Program

  2. 2011 EBT Program • eFunds Corporation • Verifone v610 terminal • Verizon Digital service • 24 hour technical support • eFunds training on terminal usage • Signed market agreement • Signed farmer agreements • Issuance/redemption logs

  3. Pricing structure • Monthly wireless fee - $35 • EBT transaction fee – 3.5¢ each • Monthly fees debited directly from checking account • Bounced check fee - $25

  4. EBT Token • $1 value • Serialized, market specific • No change given • Valid only on food stamp authorized products • Redeemable back through market manager • Market responsible for all lost or stolen tokens if farmers redeem them

  5. Federation Responsibility • Provide wireless terminal • Provide 1000 wooden EBT tokens, serialized, market specific • Provide signage – market banner, farmer acceptance signs • Provide media kit • Reimburse monthly wireless fees and EBT transaction fees • Liaison with eFunds Corporation, USDA FNS, NYS OTDA

  6. Day Before Market • Have signed farmer agreements on hand and copies with the Federation. • Charge terminal battery. • Count out enough tokens to accommodate sales for the next day. • Be sure to have an adequate supply of receipt paper for the day’s sales.

  7. Day of Market, before opening: • Erect EBT banner at market manager or EBT booth to let customers know where they can purchase EBT tokens with their food stamp benefits. • Be sure all eligible farmers have their “Tokens Accepted here” signs displayed.

  8. During Market • Have someone on hand with the EBT terminal at all times to perform EBT transactions. • As sales of EBT tokens are made, keep the first transaction receipt for market records and the customer receipt is given to the customer. • Although there is no expiration date on tokens and they can be kept from week to week, EBT customers are permitted to return unused tokens for a refund to their EBT account.

  9. End of Market Day • Batch out the terminal to transfer all transaction in the terminal, through the wireless network, to the market checking account. • Reconcile batch report with the receipts obtained from each individual sale. • Record batch total on Daily Summary Issuance Log. • Redeem tokens from farmers and vendors, recording redemptions on Daily Redemption Log. • Issue checks from last week’s redemptions. Complete the payment section of the EBT Redemption Log.

  10. Working with your new terminal • Three year warranty • No need for seasonal closure with EBT only terminals • Battery charge is 3-4 hours • Power terminal down between sales • If available, terminal can be operated while plugged in • Let battery fully discharge periodically, then recharge • Protect against dampness • Remove battery if not being used for several days • Paper rolls are single ply, thermal paper roll, 57 millimeters (2.24 inches) wide • 24 Hour Help Desk - 1-800-737-5834

  11. Farmers Market Wireless EBT ProgramEBT Daily Summary Issuance Log

  12. Farmers Market Wireless EBT ProgramFarmer Redemption Log

  13. Terminal Options • Additional battery - $50 • Carrying Case - $40 • Recommend a vinyl cooler or fishing tackle box to protect terminal. • All options are market’s expense

  14. EBT Incentive Programs Per USDA FNS Regulation: “No Food Stamp customer can be treated different than any other customer, even if they are being treated better.” A General Waiver allows EBT incentive programs • Final project report is required. • who is funding the program • dollar value of incentive • description of incentive instrument • frequency and limits of distribution • minimum purchase required • matching ratio • maximum benefit per market visit • what is eligible for purchase with the incentive benefit • redemption rates • general description of program operation • Final reports filed through the Federation.

  15. Debit/Credit Program • Central terminal market system • Visa and Mastercard • Opportunity to reach additional consumers, adding sales potential to farmers • Second token helps create a new economy in the market building retail excitement • Second token reduces stigma for EBT token users

  16. Debit/Credit Token • $5 token • Serialized, market specific • Full color for easy recognition by farmers • Change can be given • No limitations on its usage • Redeemable back through market manager • Cost of tokens is market’s responsibility • Market responsible for all lost or stolen tokens if farmers redeem them

  17. Fee Structure • Discount fee - 1.86% • Mid and Non- qualified can go as high as 3.76% • Credit Transaction fee - 22¢ each • Debit transaction fee - 40¢ • Daily batch fee - 10¢ • Minimum monthly fee - $15.95 per terminal • Fees are NOT reimbursable by the Federation • Seasonal closure required to suspend minimum fees. • Fees are subject to change

  18. Additional Fees • Traceback Fee • $15 • Annual PCI Compliance Fee • $65 mandatory fee – first full month of operation • $25 per month if survey is not completed • Early Closure Fee • No charge – allows for trials

  19. Fee Recovery • Fees are charged back to the farmer when tokens are redeemed. • To fully recover charges, farmer redemptions will be charged 25¢ per token • Farmer receives $4.75 per $5 token • As sales are made, the discount fees are applied against the minimum fee.

  20. Farmers Market Wireless EBT ProgramDb/Cr Transaction Log

  21. Farmers Market Wireless EBT ProgramDb/Cr Redemption Log Market: Debit/Credit Redemption Log

  22. Media Kits • Materials for promoting all facets of the NYS Farmers Market Wireless EBT Program • Instructions in best usage of materials and how to get the most media support for your market. • Copies are being given to each county Cornell Cooperative Extension office • Best to reach out to community partners to assist in using materials and promoting the programs.

  23. Poster • English and Spanish • EBT only • EBT/Debit/Credit • PDF or Word Doc • To ad your market information • Using word doc version - add with a text box in the blue section, no fill, no line • Printer may add information using pdf file for higher resolution

  24. Consumer Brochure

  25. Print Ads ¼ Page Size

  26. Additional Materials on CD • Press Releases • EBT Only • EBT/Debit/Credit • Instructional guide on how best to use the media kit

  27. Signage • Banner for display at EBT manager booth • Farmer signs • We Gladly Accept Tokens • Farmer instructions • How to accept/redeem tokens • Fresh Tips Newsletter promo

  28. www.Snaptomarket.com • Consumer oriented • How to use food stamp benefits and farmers markets • Locations of EBT markets • Recipes, hints and tips for using fresh produce • Resources for finding services • Service provider guide and brochure • Link to Fresh Tips Newsletter • Coming Soon: full feature articles for publication farmers market videos

  29. Fresh Tips • Highlights vegetables in season • Nutritional value and health benefits • Varieties • Promoting shopping at farmers markets • The Experience • Using food stamp benefits at the market • Links to recipes on www.snaptomarket.com • Farmers Market Shopping Spree promotion

  30. Community Outreach • Reach out to community organizations to assist • Give presentations at community centers, civic organizations • Farmers Market Bingo • Use the materials in your media kit!

  31. Just Say Yes to Fruits & Vegetables • Advance notice is required for scheduling and food preparation permits (60 days prior to the event). • Scheduling is done through our central office and subject to availability. • Consider the following: • Will there be 50 or more people in attendance at my event? • Is the event intended to serve low income neighborhoods and/or food stamp populations? • Is there adequate parking for the truck? (The truck is 25 foot long, 12 foot high and 7 foot wide!) To schedule a visit, call 518-408-0407

  32. New Requirements: • IRS Reporting Requirements • Takes effect January 2012, covering all of 2011 • Must provide FIS with a Taxpayer ID Number • FIS must issue 1099K for total sales data with copy to IRS and to merchant • Merchants that are using a token system, must re-issue 1099K’s to farmers and vendors • Questions: • How will unincorporated markets deal with tax implications? • What will market’s liability be?

  33. Questions? Diane Eggert 315-637-4690 deggert@nyfarmersmarket.com

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