Towah™ Merchant Account

As a Towah™ merchant you can receive payments and pay commissions, load your account and withdraw money via your bank, shop safe anywhere MasterCard® is accepted. Towah™ will be able to improve processes within your networks and reduce costs and risk related to, acquiring money from your up line or down line and your customers, paying or receiving commissions, equipping members with new tools to improve their ability to succeed in their work. We make it easy for you so that you can concentrate on building your network and all that it entails. Concentrate on future growth and development. Concentrate on setting goals and achieving them with your team!
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Towah MasterCard Prepaid Card

The Towah MasterCard Prepaid card is a beneficial card given to all members who have upgraded from a free to a paid membership. Towah currently has paid members in over 130 countries and therefore issues cards worldwide. Towah has chosen not to take on customers from any sanctioned areas to ensure full compliance with MasterCard’s regulations.

The Towah MasterCard Prepaid card is embossed with the cardholder’s name and has Chip and PIN security. It can be used as a means of payment in over 25 million points of sale around the world in addition to being used for online purchases. As a prepaid card it is pre-loaded with the cardholder’s funds and is not linked to their bank account or credit allowance, which automatically increases security for the user.

Towah has also created a simple fee structure without monthly or yearly maintenance costs. Our Towah MasterCard Prepaid card can hold up to 6,000€, which is a considerable amount in comparison to many other prepaid cards on the market, this in turn makes it possible for the members to use it as their “Top of the Wallet” card.
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Towah Instant Issue Card

Providing an enhanced member experience is what sets credit unions apart from others in the industry, and consumers are delighted when they receive better than expected service. So why make them wait 7-10 business days to receive their ATM, debit, or credit card?

Instant card issuance is a great technology investment to help financial institutions retain and grow core deposits through improved service and convenience. With instant issuance, members leave the branch with a fully functional ATM, debit or credit card - having the immediate capability to make PIN and signature-based transactions.

Instantly issuing your cards provides superior member service which drives member loyalty. Additionally, instant card issuance provides a very positive return-on-investment by increasing card activation and usage. By implementing an instant issue program, credit unions will experience:

  • Improved Member Experience Delivering a card immediately means members will not have to wait days or weeks to receive their card.
  • Enhanced Security By instantly issuing the cards, the risk of cards lost or stolen in the mail is eliminated.
  • Increased Card Usage A large percentage of cards delivered by mail are never activated and used. By issuing the cards immediately to the customer, the activation is automatic and members can be properly educated on how to use the card at ATMs and POS.
  • Increased Profitability Increasing card sales, activation and usage increases long-term interchange and thus profitability.
  • Reduced Costs The cost to produce and mail new or replacement cards and PIN mailers is virtually eliminated.
  • Increased Cardholder Education Instant card issuance improves cardholder education and “steering” so members perform more signature-based transactions when using their debit card which increases long-term interchange income.
  • Enhanced Emergency Card Replacement Financial institutions that have an instant card issuance program in place have complete control of the emergency card reissuing process which reduces the time, cost and risk it takes for cardholders to receive a replacement card and PIN in the mail.
  • Competitive Advantage in the Marketplace Instant issuance is an innovative marketing tool that credit unions can use to optimize their debit and credit card program. It ultimately increases customer retention, acquisition and cross-selling opportunities.
  • Customer-selected PIN By enabling the member to select their own PIN, there will be no additional steps required before the card can be used. And, the PIN selection process is comparatively more secure than most current methods.
  • Green Initiative Being able to instantly issue a payment card at the branch level eliminates the need to mail a card to the customer – thus cutting down on paper and waste.