What the institution takes on
Start with NO risk.
No capital outlay
The institution funds nothing. Program economics, card manufacturing, marketing, and servicing sit with the program entity.
Non-dilutive recurring revenue
Program revenue is additive. The institution receives everyday spend contributions from Membership. It does not compete with annual giving, and it does not draw from restricted funds.
Zero operational lift
Banking, underwriting, servicing, compliance, disputes, and Membership support are handled by the issuing bank and the program manager.
Marks protected by license
Use of institutional marks is governed by a licensing agreement with defined scope, term, quality standards, and termination rights.
Creative approval rights
The institution reviews and approves creative before it runs. Nothing carrying your marks ships without sign-off.
Advancement data back to you
Alumni re-engagement and refreshed contact records returned to advancement, within the terms of the data agreement and applicable privacy law.
$1,200,000 annual support with 10k cards issued
Before you ask
Underwriting, the bank, and marketing on campus.
- Who issues the card
- The card is issued by a chartered and accredited bank partner subject to regulatory banking supervision.
- Underwriting standards
- Credit decisions will be made by the issuing bank under its published standards and fair lending obligations. The institution has no role in credit decisions and receives no applicant credit data.
- Responsible marketing on campus
- Marketing will follow CARD Act restrictions on campus solicitation, including limits on inducements to students and required disclosure of the institution's agreement. Placement, channels, and on-campus activity remain subject to institutional approval.
- Reporting
- The institution receives program reporting on enrollment, volume, and revenue at a cadence established in the final agreement.
- Termination
- The final agreement includes a defined term, termination rights, and provisions governing the wind-down of institutional marks.
Next step
Request a meeting.
We will bring the licensing framework, the economics, and the bank partner structure. Thirty minutes with advancement, and counsel if you want them there.