Prepaid Stored-Value Card Essay

644 Words2 Pages

Stored-value cards are access devices used to deduct money from a nonbank, nonchecking account. These cards are funded through checking accounts, ACH funds transfers, credit cards, debit cards or cash.
1. Which promulgated accounting standards did the company need to consider prior to implementing the initiative? Explain your answer.
Credit card companies need to consider prior to implementing this initiative would be the proposed guidance of FASB’s Emerging Issues Task Force (EITF Issue No. 15-B). This is the treatment of the liability that exists between the issuer of the card and the consumer before the card is redeemed.
When a Card Issuer sells a prepaid stored-value card directly to a Consumer, it recognizes a liability for its obligation to provide the Consumer with the ability to purchase goods or services at a Content Provider. When the Consumer redeems the prepaid stored-value card at a Content Provider, the Card Issuer processes the card payment via a bank card network and the liability between the Card Issuer and the Consumer is extinguished. At the same time, the Card Issuer incurs a liability to the Content Provider. This liability is typically settled within a few days through a card settlement process. A Card Issuer typically will settle the liability net of a fee for its services.
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When should the accounting department get involved with these initiatives (before or after the decision has been made and why so)?
The accounting department should get involved as soon as the credit card company makes the decision to offer these stored value cards to its customers. The accounting department will need to need to account and make a system to manage the ins and outs of these

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