The Connect-USA Instant Access Card
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The Instant Access Card: A method to enable BBS Sysops to attract first
time callers, sign up new accounts and eliminate the normal problems
associated with collecting system time charges and subscription fees.

Callers who would normally purchase time on a BBS are faced with the hassle
of getting the money to the sysop. No matter how attractive a system is,
and how much the caller wants to join the system, there is no quick and
easy method that protects both the sysop and the caller.

The most desired method of both the sysop and the caller is the use of a
credit card.

If a sysop operates his BBS out of his home, it is virtually impossible to
get a merchant account to be able to accept major credit cards such as
VISA, MasterCard and American Express. If a sysop is able to get his bank
to set up a merchant account, chargebacks are a major problem and he stands
the chance of having his merchant account cancelled because in the eyes of
the bank, he is a "mail order/phone order" merchant with a high chargeback
potential. In addition, he is usually charged the highest rate possible and
has to pass these charges on to the caller.

The sysop usually resorts to requiring callers to send in checks which
removes the excitement and instant gratification of being able to sign up
and use a system "right now!"

The Instant Access Card solves these problems for both the caller and the
sysop!

The Caller
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Callers call via 800 number and apply for a Connect-USA Instant Access
Card. If the caller has a MasterCard or VISA card, and a listed telephone
number, he may qualify for $25 instant credit that can be used immediately
while his Instant Access Card application is being processed.

The caller completes the application and selects his own credit limit, from
$50 to $250. He returns the application with authorization to charge his
bank account or MasterCard/VISA account for the initial amount he selected
and the annual $10 card fee. He may also send in a check.

Connect-USA establishes an account for the caller with a credit limit equal
to the amount sent in with the application.

He or she may then purchase online time with any system that has a merchant
account with Connect-USA. On the first of each month, Connect-USA will send
a statement to the caller and the caller may pay it by check or credit
card. Alternatively, the caller may authorise Connect-USA to automatically
debit the billing amount to his/her checking account.

The statement sent to the card holder each month includes detailed charge
information such as amount of the charge and the name of the BBS where the
charge was made.

The Sysop
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Because Connect-USA has no requirements that the BBS be located in a store
front, or that it must have been in business for several years, acquiring a
Connect-USA merchant account is quick and easy.

The sysop fills out a merchant application and remits a $25 processing fee
along with it to Connect-USA. After processing, Connect-USA assigns a
merchant number to the BBS whereupon the BBS may start accepting charges.

To accept a charge from a customer, the BBS merchant calls Connect-USA's
computer with his modem, enters his merchant number, the customer's account
number and the amount of the sale. After checking the customer's account,
the Connect-USA computer will either issue a 'declined' message or an
authorization number to the merchant. Upon receiving an authorization
number, the BBS merchant may then process the sale, either for BBS services
or for merchandise that he may be selling in an online store.

Connect-USA processes the charges and electronically deposits the money to
the BBS operator's bank account on the 15th of each month. The charge to
the sysop for this service is seven percent of the amount of the charge. A
detailed merchant statement is mailed to the sysop when the disbursement is
made.

The only chargeback a sysop can possibly receive is from a customer who
might chargeback to Connect-USA the initial $25 credit used when first
signing up for the card. Every precaution is made to insure that this
amount is collected and even these chargebacks are usually avoided.

There are no other charges to the sysop.

The sysop will receive $5 for each customer he refers to Connect-USA and
who qualifies for a Instant Access Card.

Sysops must display "This System Accepts The Connect-USA Instant Access
Card" and Connect-USA's 800 number on the BBS's opening screen in order to
maintain a merchant account.

Results
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The Instant Access Card provides a quick and easy "instant"
process for purchasing online time and services on any BBS that has a
merchant account with Connect-USA.


For information:
Contact Connect-USA Communications Inc., 800-ATDT-USA.