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By now, the vast majority of merchants accept credit cards as a form of paymentwhich means they are familiar with the sting of having to give up 2.2% to 4% of the value of each transaction for accepting credit cards. We know how much this hurtswe have to pay those fees too! make money online

We know every penny counts, that s why with Obopay you will receive industry-leading processing fees for accepting payments via Obopay. In some cases you ll pay less than one-third as much in fees, while still enabling your customers to pay however they want. internet business opportunity

Security

Finally, Obopay knows that merchants hate dealing with charge-backs. That s why we help protect you from charge-backsin many cases we will protect you from them altogether, reducing the time, hassle, and money associated with dealing with fraudulent transactions. How do we do it Let s just say it s part of our secret sauce. free money

Get The News

If you re looking for all the latest and greatest information on Obopay, then you ve come to the right place. work at home business

Press Releases

The latest and greatest Obopay press releases. free online affiliate program

Obopay in the News Learn

what the media and analysts are saying about Obopay. auction coin money paper

Obopay Press Kit

Download additional information about Obopay. franchise business opportunity

Company Logos

Download official Company Logos. For media inquiries, please contact: press@obopay.com best free online affiliate

• Mobile Operators
• Financial Service Providers
• Merchants
• Online Partners

Partners

Whether you re a mobile operator, merchant, or a financial service provider, Obopay provides an opportunity for you to extend your offerings to existing clients as well as reach new and emerging markets with an innovative offering. blogging money thebillivard

For more information, contact our Business Development and Sales team at bd@obopay.com. best home based business

Privacy Statement

The Obopay Privacy Policy, Updated: March 31, 2007 At Obopay, our customers information is important to us, and we are committed to maintaining the confidentiality of the information we receive. This statement governs the information you provide to Obopay, Inc. including our affiliates and subsidiaries (collectively Obopay ) or that we learn from your use of this Website and service (collectively and respectively the Website and Obopay Service ). Our privacy policy below discusses the types of information we collect, how we use it, and under what circumstances, if any, that we might disclose it. By accepting the Privacy Policy and Terms of Service in registration, you expressly consent to Obopay s use and disclosure of your personal information as described in this Privacy Statement. affiliate marketing program

Information Collection and Use Obopay collects only the information needed to administer our business and to provide customers with our products and services. We will not give, sell, share or rent this information to others, except as disclosed in this statement. Customer Profile Information As a customer, you may choose to provide the information requested on an application form that may be electronic or paper. You may be asked to provide personal profile information, which may include information on name, expected transaction volumes, financial data, employer information, social security number, driver s license number, birth date, bank accounts, credit card accounts, addresses, telephone numbers, email addresses, and other personal identification information (collectively personal information ). This personal information is used to manage, administer and develop our relationship with you and as you request including: money site thebillivard com

• Rendering our services to you, performing electronic transactions and otherwise communicating with you; online business opportunity

• Verifying the accuracy of personal information we receive; and pay per click affiliate

• Protecting our rights or interests or the rights or interests of others including you and other Obopay customers as described elsewhere in this policy. cnn money

While Obopay does not generally share personal information with others for their marketing purposes unless or except as described here, we may share aggregate information derived from personal information. The shared aggregated information is not personally identifiable. business opportunity lead

Transaction Processing In order to process payment transactions for Obopay Customers, Obopay may send the Obopay Customer s name to the receiver of a payment so that the receiver may properly identify the Obopay Customer who is sending the payment. Web Site Traffic Information Because of the way that World Wide Web communication standards work, when you arrive at or leave the Obopay Website, we automatically receive the Web address of the site that you came from or are going to. We also collect information on which pages of our Website you visit while you are on the Obopay site, the type of browser you use and the times you access our Website. We use this information only to try to understand our customers preferences better and to manage the speed and response time of our own website pages (i.e. load on our servers), so as to improve our service and your experience with Obopay. We do not track the Websites that you visit before or after you leave the Obopay site. affiliate program directory

Internet Address Information We only use IP addresses, browser types and access times to analyze trends, administer the site, improve site performance and gather broad demographic information for aggregate use. Any such data will be stored for a limited period of time (generally no more than 3-years from the date collected). Our Use of Cookies Cookies are small files of data that reside on your computer and allow us to recognize you as an Obopay Customer if you return to the Obopay site using the same computer and browser. We send a session cookie to your computer if and when you log in to your Obopay account by entering your e-mail address and password. These cookies allow us to recognize if you visit multiple pages during the same session, reducing the need to re-enter your password multiple times. Once you log out or close your browser, these session cookies expire and no longer have any effect. making money program

We also use longer-lasting cookies to display some of the information that you may need to complete various forms on the Obopay website to reduce the need to retype the information each time you log in to your Obopay account. work from home business

Customer Service Correspondence If you send us correspondence, including e-mails and faxes, we may retain such information in the records of your account. We may also retain customer service correspondence and other correspondence from Obopay to you. We retain these records in order to measure and improve our customer service, and to investigate potential fraud and violations of our User Agreement and to otherwise protect Obopay s legal interests and the interests of others. We may, over time, delete these records if permitted by law. internet marketing affiliate

Non-Customer Recipients and Requests When a Customer sends a payment to, or requests a payment from, an individual who is not a registered member of Obopay, we will retain the information that the Customer submits to us, including, for example, the other party s phone number or email address and/or name, for the benefit of the Customer who is attempting to contact the non-Customer, so that the Customer can see a complete record of his/her transactions, including incomplete transactions. Although this information is currently stored, we will not market to the non-Customer. However, we will contact the non-Customer to inform them of the transaction or referral. Additionally, these non-Customers have the same rights to access and correct information about themselves (assuming that their email addresses were correct enough to reach them) as anyone else who uses Obopay. money in the bank

Sharing Obopay will not sell or rent your personal information to others for their marketing purposes. Obopay may validate personal information you provide, or request additional information from credit bureaus or other third parties, to assist us in establishing and authenticating your account, and verifying the accuracy of the information that you provide. Information obtained from third parties and linked with your personal information is safeguarded by confidentiality agreements and to the extent required by law. internet home business

When we partner with another party to provide specific services, and a customer signs up for those services, we share only the contact information that is necessary for the third party to provide such services. For example, if you apply for an Obopay branded prepaid card, you authorize Obopay and the issuer of the Obopay branded card to exchange information you provide in the application form. If you are approved for an Obopay branded debit card, your account will be governed by the issuing bank s privacy policy. Third parties are not authorized to use personal information except for the purpose of providing those services. Otherwise, Obopay will not share or give your personal information to others unless in the rare case that Obopay believes it is necessary to cooperate with regulators or law enforcement authorities or similar legal request including the protection of our rights or the rights of others. If you object to your personal information being transferred or used as described in this Privacy Statement, please do not register to use the Obopay Service or use this Website. credit card affiliate program

Links Some of our Websites may contain links to other sites. Obopay is not responsible for the privacy practices of such other sites. We encourage our users to be aware when they are leaving our site and to read the privacy statements of each Website that collects personally identifiable information. This privacy statement applies solely to information collected by Obopay through the Obopay Website(s). unclaimed money

Data Access and Security All data access is based on a need-to-know basis. The secure protected area of the Obopay Service may allow our customers, using a unique username and password, to access account information and transaction reporting, and to initiate or process transactions directly from the Website, depending on their entitlements and account setup. Our employees are regularly notified and/or reminded about the importance we place on privacy, and the steps they should take to protect our customers information. mlm business opportunity

A. We may disclose all of the information about you that we collect, as described above. B. We may disclose nonpublic personal information about you to the following types of affiliates (i.e., companies related to us by common control or ownership) and nonaffiliated third parties (i.e., third parties that are not members of our corporate family). ppc affiliate program

• Financial service providers, such as mortgage bankers, securities broker-dealers, and insurance agents; money exchange

• Non-financial companies, such as direct marketers, and publishers; income opportunity home based

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• Others, such as non-profit organizations money gram

If you prefer that we not disclose nonpublic personal information about you to such nonaffiliated third parties, you may opt-out of those disclosures; that is, you may direct us not to make those disclosures (other than disclosures permitted by law). If you wish to opt-out of disclosures to nonaffiliated third parties, you may do so by simply completing the attached form and sending it to First PREMIER Bank, Customer Data Privacy, and PO Box 5528, Sioux Falls, SD 57117-5528. home internet based business

C. In addition, we may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing arrangements, including but not limited to Obopay. advertising affiliate program

D. We also are permitted under law to share information about our experiences or transactions with you or your account (such as your account value and your payment history with us) with our affiliates. We also may share additional information about you or your account (such as information we receive from you in applications and information from credit reporting agencies) with our affiliates. You may direct us not to disclose to our affiliates information that does not relate solely to our or our affiliates experiences or transactions with you or your account (such as the application information and consumer reporting agency information) by completing the attached form and sending it to First PREMIER Bank, Customer Data Privacy, PO Box 5528, Sioux Falls, SD 57117-5528. make money at home

E. We also are permitted under law to disclose nonpublic information about you to nonaffiliated third parties in certain other circumstances. For example, we may disclose nonpublic personal information about you to third parties to assist us in servicing your loan or account with us, to government entities in response to subpoenas, and to credit reporting agencies. homebased business opportunity

F. If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy standards and practices described in this notice. Our Security Procedures We also take steps to safeguard customer information. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. online affiliate program

NOTE:

When writing to advise our staff of your choice to opt-out of data sharing, please complete the attached form to assist us in meeting your request. We will treat an opt-out election by a customer with more than one account to apply to only the account(s) listed. First PREMIER Bank Privacy Choice Form (pdf) * The Obopay Prepaid MasterCard is issued by First PREMIER Bank money investing

pursuant to a license from MasterCard International Incorporated. work at home based business

Obopay as an Alternative to All Things Money We get many question on how Obopay can be used in place of current money tools. This section hopes to answer these questions, and also illustrate why Obopay is poised to be a critical must have money tool.

• HOME
• HOW OBOPAY WORKS
• GET OBOPAY

Obopay beats Cash Cards Cash cards are simple and easy ways in which people that don t have bank accounts can safely store money, make purchases, and withdraw cash from ATMs when needed. Cash cards are obtained by simply depositing money into the Cash Card account, and activating the card, after that the card can be used immediately and all purchase and withdrawal amounts will be retracted directly from the cardholder s Cash Card account. affiliate sales program

Click on the various cash cards below to see how Obopay compares to them. making money

Cash Cards Business Cash Back Cards Cash Back Credit Cards Cash Credit Cards

Obopay makes Money Transfer a breeze There are many ways to transfer money over and beyond that of typical postage mail. There are a variety of services on the internet designed for global money transfers that take only seconds, online banking systems that allow money transfers between accounts, cell phone services that allow money transfers to be sent/received through mobile phones, international in-person locations that transfer money safely and securely, and various others that help all kinds of people receive money and send money quickly, securely, and pain-free. home based mlm business

Click on the various money transfer types below to see how Obopay compares to them. pay per sale affiliate program

Money Transfer Electronic Money Transfer Wire Money Wire Money Transfer Online Money Transfer Instant Money Transfer Send Money Online Money Send Money Online Transfer Money

Obopay is more convenient than Debit Cards Carrying large amounts of cash is not safe, and writing out checks for purchases is frustrating and takes too long, that is why debit cards are issued standard by banks and other similar financial services. A debit card is thin, small and plastic, and is used for purchasing items in person and over the Internet or for withdrawing cash from ATM machines and when purchases are made or when cash is withdrawn, and then the amount is automatically retracted from the cardholder s checking or savings bank account. mad money

Click on the various types of Debit cards below to see how Obopay compares to them. business opportunity from home

Debit Cards Prepaid Debit Card Instant Cash

Why carry Credit Cards when you can use Obopay Credit cards allow people to purchase items immediately, and pay for them later. Instead of having money removed directly from a bank account, as is the case with debit cards, a credit card purchase is paid for by the credit card issuer and the credit card holder pays back the issuer in full at the end of the month, or with interest added minimal monthly payments. Also, responsible use of credit cards helps in building a good credit history, which aids in attaining loans, insurance, and other important services from financial institutions. mortgage affiliate program

Click on the various types of Credit cards below to see how Obopay compares to them. microsoft money

Credit Cards for Bad credit Instant Credit Cards UnSecured Credit Cards Bad Credit Card Prepaid Credit Card Credit Cards for Teens Credit Cards Cash Back Secured Credit Card Cash Advance Credit Card Visa Credit Cards Bad Credit Credit Cards Student Credit Cards Credit Card Gift Credit Card Offers Credit Cards Prepaid Visa Card Secured Cards PayPal Alternative Best Mastercards Business Cards Gift Cards Rechargeable Cards Prepaid Gift Cards College Student Cards Prepaid Cards Visa Card Prepaid MasterCard Mastercard Reloadable Cards MasterCard Gift Cards

Copyright 2007 Obopay, Inc. All Rights Reserved. new business opportunity

Obopay Affiliate Program When your customers click to sign up with Obopay, he/she will get $10 just for signing up and we will deposit $5 instantly into your Obopay account! There s no limit! Refer 100 people and make $500. It s that easy. Sample widget/banner on your site: What do I do web master affiliate program

To get your very own Obopay widget/banner you need to log into your Obopay account and click on the Add Obopay to Your Site link. Then simply copy the code you see there, and insert it to your site. For more information Business Opportunities . money converter

If you do not have an Obopay account, create one now and get $10! affiliate program software

Sign up - 1

* = required fields Personal Information Legal First Name * M.I. Last Name * Suffix Jr Sr (Use your legal name. No nicknames, please.) Street Address * (No post office boxes) Street Address, Continued (Apartment, Unit, Suite Number, etc.) City * money conversion

State *

Why aren\ t VA and Co listed Obopay is working hard to offer its service to customers in Virginia and Colorado and we should be able to offer this service to individuals living in both states soon. Please check back again in the future. , WIDTH, 260, SHADOW, true, FADEIN, 200, FADEOUT, 200, FONTCOLOR, #333333 , BGCOLOR, #ffffff , BORDERCOLOR, #333333 , PADDING, 10, CLOSEBTN, true, STICKY, true, CLOSEBTNCOLORS, [ #dddddd , #000000 , #dddddd , #000000 ]) Why aren t VA and CO listed best home business opportunity

The services hereunder are offered by Obopay, Inc., located at: 275 Shoreline Drive, Suite 400, Redwood City, CA 94065. You may contact Obopay through the customer support web page at http://www.obopay.com/support. For purposes of this Agreement, Obopay s business days are Monday through Friday. Holidays are not included. join affiliate program

2. Service Provider. Obopay is a payment service provider and acts as Your agent only with respect to the custody of funds. Otherwise, Obopay is exclusively an independent contractor. Obopay does not have control over or liability for products or services paid for using the Obopay Platform. 3. User Services. Your Obopay Account: When You sign up with Obopay, unless You sign up for the limited purpose of collecting funds as described in Section 4, Obopay will establish an account ( Account ) that permits You to use the Obopay Platform. You must select a personal identification number ( PIN ) and a password ( Password ), and You must provide Your Device s phone number ( Mobile Number ) and Your e-mail address ( Email ). You must keep Your Password and PIN confidential and not disclose them to others. Do not keep Your Password or PIN near Your Device. Each person for whom Obopay establishes an Account, including You, becomes a User . check and money order cashing

An Account is not a bank deposit account and is not FDIC-insured. You will not receive any interest on funds in Your Account. Obopay may pool the funds from Your Account and the Accounts of others, and may hold the proceeds in an account that is separate from Obopay s own accounts. You assign to Obopay any interest or earnings on the funds held in Your Accounts, and You agree that Obopay may keep any benefits provided by a financial institution that holds these funds. business investment

You may not create a negative balance in Your Account. If a negative balance is ever created, Obopay may apply future transfers to the negative balance, and You agree to pay to Obopay, on demand, an amount sufficient to cover the negative balance. Moreover, You authorize Obopay to obtain funds to correct a negative balance from any External Account (defined below in Linking Credit Card, Debit Card and Bank Account) to Your Account. If You fail to pay such amount on demand and funds are not able to be obtained from a funding source linked to Your Account, Obopay may take action necessary to collect such amounts from You, including collection action or use of third-party collectors. You agree to pay the actual costs of collection, to the extent permitted by law. business opportunity affiliate

When Your Account is established, Obopay may provide You with a bonus or incentive, subject to the terms and conditions of any bonus or incentive program in effect and made available to You at the time You register. Obopay reserves the right to terminate any incentive promotional program at any time without notice to You. Obtaining a Prepaid Card: You may be able to enhance Your use of the Obopay Platform by applying for an Obopay-Branded prepaid card. If You apply for and receive an Obopay-Branded prepaid card, the terms of the Obopay-Branded prepaid card will apply to the use of Your card, and this Agreement applies to Your use of the Obopay Platform. Once You obtain an Obopay-Branded prepaid card, that prepaid card account, not an Obopay Account, will be used to make and receive transfers, and for other purposes in this Agreement. money market

Linking Credit Card, Debit Card and Bank Accounts

: You can link most credit cards, debit cards and checking accounts to Your Obopay Account. Linking an eligible credit card, debit card or checking account (an External Account ) allows You to use the Obopay services (1) to transfer funds from Your External Account to Your Obopay Account ( Loading Your Obopay Account) or (2) to transfer funds from Your Obopay Account to Your External Account ( Unloading Your Obopay Account). Eligible credit cards and debit cards can be used as a source of funds for Your Obopay Account, but You cannot transfer funds from Your Obopay Account to a credit card or debit card. Linked checking accounts ( Bank Deposits ) must be in a U.S. depository institution and must be accessible through the ACH system. Most checking accounts are accessible via the ACH. Obopay does not have control over or liability for Your credit cards, debit cards or Bank Deposits. business home internet

Transfers:

In this Agreement, a transfer means moving funds to or from an Account of any User. In order to make a transfer, You must access the Obopay Platform from a Device using either Your Mobile Number and PIN or user ID and Password. You can use the Obopay Platform for the following types of transfer activities: internet affiliate program

• Send:

  A request by You to make a transfer from Your Account to most people in the United States with mobile phones, including other Users. If You do not have sufficient funds in Your Account when You attempt a Send, and You have a Bank Deposit, credit card, or debit card linked to Your Account, then You will be prompted to use one of these sources to Load Your Account to complete the Send. In this case the transfer becomes a Load Send. If Your Account is not loaded with sufficient funds, then the Send transfer will be rejected. If You attempt to Send money to someone who is not yet a User, or Registered Recipient (as defined in Section 4). Obopay may require that the recipient satisfy certain identity checks in order to receive the funds You sent. fast money

• Request:

  A request by You to another User to make a Send to Your Account. home money making business

• Load:

  A request by You to make a transfer from Your linked credit card, debit card, or Bank Deposit, or from Your payroll via direct deposit, to Your Account. Obopay does not accept checks to be loaded to Your Account. affiliate affiliatelandmine

• Load Send

  : A request by You to Load Your Account with a transfer from Your linked Bank Deposit, credit card, or debit card in order to fund Your request to Send money. This type of transfer is only available if You have a Bank Deposit, credit card, or debit card linked to Your Account. make money from home

• Unload:

  A request by You to make a transfer from Your Account to Your Bank Deposit. free home based business

• Auto Unload

  : A request by You to automatically unload the balance in Your Account to a specific Bank Deposit whenever Your Account has a positive balance. All Send transfers will be automatically transferred to Your Designated Bank Deposit if You have the Auto Unload feature activated. If funds are credited to Your Account on a day other than a business day, the funds will still be immediately transferred out of your Account, even though Obopay may not be able to initiate a credit to Your Designated Bank Deposit until the next business day. Thus, Your Account balance should usually be $0 if You choose Auto Unload. You must specify a single Bank Deposit to be Your Designated Bank Deposit. You may change Your Designated Bank Deposit at any time. If You choose Auto Unload, then all Your Send transactions will be Load Sends from Your linked Bank Deposit, credit card or debit card. If You wish to access to the Send, Load, or Unload features, You will have to deactivate the Auto Unload feature. The Auto Unload feature is not available if You have an Obopay-Branded prepaid card. casino affiliate program

There are limits on the type, amount, and frequency of transfers that You can make. Business Opportunities to view the transfers You can make and applicable limits. [see Account Limits] Once You reach a particular transfer limit, Your ability to make that kind of transfer may be suspended. In addition, Your ability to Unload to a particular External Account may be suspended if transfers to or from that External Account is rejected or fails for any reason. Unless otherwise indicated, limits on Loads also apply to Load Sends, and limits on Unloads also apply to Auto Unloads. If Your Auto Unload is shut off, then funds will begin to accrue in Your Account as they are received. money maker

For security reasons, there may be additional limits on the number and amount of transfers You can make using the Obopay Platform. For example, Your access to funds in Your Account or Your ability to use the Obopay Platform may be limited if You fail to provide Obopay with adequate identity verification information. In such a situation, You will be limited in the number and amount of transfers You may make through the Obopay Platform. In addition, You may be restricted in such situations from changing the Bank Deposit initially designated as Your Designated Bank Deposit. These restrictions generally will be lifted once You provide adequate identity verification information. Obopay may increase applicable limits in its discretion as You continue to use the Obopay Platform. The limits are for the protection of Obopay and not You. Obopay will not be liable to You for failing to enforce any of these limits. online internet business

Authorization for Transfers:

When You link Your External Account with Obopay, You are affirming that You have all necessary right and authority to obtain funds from that External Account. Each time You initiate or accept a transfer through the Obopay Platform You also are providing Your authorization for Obopay to debit or credit the accounts involved to complete the transfer, to correct any errors in the transfer and to resubmit any transfer that is rejected by the financial institution that holds the External Account. You also authorize Obopay to debit Your Account, or Your External Account, if a sender did not actually have sufficient good funds to pay for a transfer that was credited to You. All transfers must comply with U.S. law. Your authorization will remain in full force and effect until You provide Obopay notification of Your termination of this authorization in such time as to afford Obopay and the bank that holds Your External Account a reasonable opportunity to act on it. You may provide such notification by contacting Obopay through the customer support web page at http://www.obopay.com/support. make money online with

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