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ACCEPT DOWNTOWN GIFT CARDS

WHAT IS THE DOWNTOWN GIFT CARD?

A Downtown Gift Card is a prepaid Private Label MasterCard.

There are no additional costs to accept the Downtown Gift Card, it’s charged at the same rate as a normal MasterCard Debit Card transaction. As the payment is a MasterCard transaction, you’ll receive the funds from your acquirer for the transaction as per your Merchant Acquirer Agreement.

The Downtown Gift Card programme is not limited to retailers – any business inside Downtown that accepts debit cards will be able to participate. As a levy payer, there is no extra cost to you to join the programme and become a location where Downtown Gift Cards can be redeemed.

The goal of the gift card scheme is to lock money in for the Downtown business community and drive local spending.

WHY SHOULD I SIGN MY BUSINESS UP TO ACCEPT DOWNTOWN GIFT CARDS?

Gift card schemes deliver impressive results in many other BIDs and town centres around the world. Benefits include:

  • Attract new customers - 42.6% of gift card recipients made a one-off purchase at a new business via a gift card and 21.7% said they had become a regular customer
  • It's free – there’s no extra cost to your business to accept the card (The same transaction fees applied as any Mastercard transaction)
  • It's easy to join – it takes just a couple of minutes to sign up to accept the card
  • Increase revenue – research shows 65% of gift card recipients spend over and above the value of their gift card
  • Free promotion for your business on the gift card website and ongoing marketing of the card by Downtown Gibraltar, as well as free assets available for you to promote directly to your customers
  • Positive sentiment from customers towards your business for being part of a programme designed to support local businesses, jobs and the local economy

HOW DOES IT WORK?

The cards operate on the Mastercard magnetic stripe (magstripe) system, so any businesses who accept Mastercard payments can accept it (works with all major payment terminals), with the same transaction fees applied as any Mastercard transaction. It is simple to register and simple to accept. No special hardware or software is required to accept Downtown Gift Card payments.

Downtown Gift Cards will be available for purchase by consumers (for personal gifts) and by businesses (for corporate gifts) very soon. Details on where you can pick them up will be announced shortly.

WHAT IF THERE IS NOT ENOUGH MONEY ON THE GIFT CARD?

If there are insufficient funds on the gift cards in relation to the value being charged then the card will decline.
If the available balance on the gift card is less than the value of the purchase, you can split the payment and take payment of the remainder via another method.

HOW DO I SIGN MY BUSINESS UP?

Registration takes just a couple of minutes. Register your business and credit card terminals to accept Downtown Gift Cards using the self-registration steps, or email Hello@downtown.gi to request that a member of the Downtown team assist you with the registration process. 

As part of the registration process, a test transaction will be carried out on each of your credit card terminals, which will appear as a Mastercard transaction on the till roll. Please ensure that test transactions are carried out on every credit card terminal if you have more than one.

Once you’ve registered, your application will be approved and within a few business days you will be fully set up and able to accept the Downtown Gift Card. You will receive a confirmation email with support materials including more information about the gift card, staff training information and digital content to promote the card. Promotional materials such as “Downtown Gift Card Accepted Here” stickers will also be made available. Your business details will appear on the Downtown Gift Card website (launching soon), showing customers where they can spend their gift card.

HOW DO I TAKE PAYMENTS WITH A DOWNTOWN GIFT CARD?

Taking payments with a Downtown Gift Card is as simple as taking any other card payment. The process is a Debit MasterCard transaction, however, your business needs to be within Downtown and register free at https://form.jotform.com/Miconex/gibraltar-gift-card-registration to be able to accept them.
 
If you need assistance please email Hello@downtown.gi or call +350 20071744.
 
Card machine with swipe facility - If you have a card machine with a swipe facility, swipe the customer’s Downtown Gift Card through the machine and the sales value will be deducted from the card balance. 
 
Card machine without a swipe facility - Without a swipe facility, the Downtown Gift Card payment can be completed by entering the card number, expiry and CVV (The CVV Security Code is above the QR code on the reverse of the card) on your terminal to complete the sale, as you would when taking a payment over the phone.
 
Online transactions - If you take payments online, the customer enters the card number, expiry date and CVV on the payment page just like they would with any other debit or credit card. 

WHERE IS THE CVV NUMBER?

The CVV Security Code is above the QR code on the reverse of the card

CAN I REFUND BACK ON TO THE CARD?

Yes. Process a refund in the same way you would for any Mastercard Credit or Debit Card.

THE TERMINAL HAS ASKED FOR A PIN CODE, WHERE DO I FIND THIS?

The pin code will be the last 4 digits of the long card number which you can input into the terminal to continue the payment process.

I HAVE A NEW TERMINAL. DO I NEED TO DO ANYTHING?

If it’s only the terminal that has changed and the Merchant ID has remained the same then no action is required.

If the Merchant ID has changed we’ll need to re-register your terminal
To re-register your terminal, contact hello@downtown.gi – failure to re-register your terminal will mean you won’t be able to accept Downtown Gift Cards.

THE DOWNTOWN GIFT CARD HAS BEEN DECLINED

If the Downtown Gift Card has been declined, please check that you are using the card in one of the establishments within Downtown that has registered. Please visit https://townandcitygiftcards.com/product/downtown-gibraltar-gift-card/ to see the full list. If they are listed but the card has been declined please contact the Merchant Support Line on +44 (0) 121 268 3210.

Is the Downtown Gift Card Recyclable?

The Downtown Gift Card is a coated 100% paper-based card that provides an environmentally friendly alternative to a traditional plastic gift card. When all credit has been spent and the card needs to be disposed off, peel off the magnetic strip (the only part of the card that is not recyclable) and recycle the rest of the card with your paper and cardboard as usual.

DOWNTOWN GIFT CARD IN PARTNERSHIP WITH FINTECH MICONEX (TOWN & CITY GIFT CARDS)

Fintech Miconex will provide the technology for the Downtown Gift Card. Its award-winning Town & City Gift Card programmes are active in 150 places worldwide. Over 10,000 businesses are part of Miconex’s economy-boosting gift card programmes, with over £25 million spent in local businesses to date.