Add Obopay to your favorite site to send or get money from
friends and customers. Our Partners Include
Verizon Citi AIM cellularsouth Helio See all
partners The Obopay Prepaid MasterCard is issued by First
PREMIER Bank pursuant to a license from MasterCard
International Incorporated. credit pacific service union
For a complete listing of costs, fees and limitations for
the Obopay Prepaid MasterCard see the Terms and
Conditions credit first service union
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About Us
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Partners
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Affiliates
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Merchants
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Terms
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Security
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Privacy
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- Fees
Copyright 2007 Obopay, Inc. All Rights Reserved.
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Obopay
- Our Team
- Investors
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- Careers
About us
Go mobile with your money. That s the simple yet
powerful idea behind Obopay.
Obopay is the first truly comprehensive mobile payment
service in the United States. That means we re the only
service that lets you instantly get, send and spend money
anywhere, anytime with anyone. Plus, it comes with the added
convenience of an Obopay Prepaid MasterCard . Think about
that for a minute. There are over 200 million cell phone users
in the U.S. and more than 24 million MasterCard acceptance
locations worldwide including merchants and ATMs. Now,
that s a lot of people and places that are going to love
Obopay. blogspot com christian
With Obopay you can instantly pay back a friend, split a
dinner bill, get money from your parents, get quick cash, pay
up or collect on a friendly wager, track purchases, check your
balance, and much, much more. And, you can do it all from your
phone; anywhere, anytime with anyone. christian counseling credit
The Obopay Story
Obopay is not your ordinary brainchild. It didn t happen
in a conference room or during a grueling brainstorming
session. The concept for Obopay happened while Carol Realini,
Obopay s founder and CEO, was doing volunteer work in
Africa. It was there she observed an interesting phenomenon:
people living in some of the most remote corners of the world
carried a mobile phone even if they didn t carry a wallet.
Combining the two seemed like an ideal marriage of empowerment
and convenience. And that s when the idea for Obopay was
born. Returning to the U. S. she saw incredible opportunities
within the ever-growing mobile youth market. Although Carol had
not planned on rejoining the work force after a three decade
run as a successful entrepreneur, her passion for this new idea
changed her mind. She pulled together an all-star team of
seasoned mobile and financial professionals, raised venture
capital and successfully launched Obopay in 2005. credit federal service union
Contact us
Corporate Contact Info: Obopay, Inc. 275 Shoreline Drive,
Suite 600 Redwood City, CA 94065 Main Office - 650-264-2000
General inquiries: info@obopay.com Careers:
jobs@obopay.com Partnering and Business
Development: bd@obopay.com Support: If you
can t find the information you need, please contact us by
calling our customer support hotline at 888-8-OBOPAY
(888-862-6729) or 650-264-2100. credit monitoring service
Obopay Fees
Description Fee Sign up for Obopay Free Get money Free Send
money (including acceptance of requests to send money) $0.10
Add Money to Your Obopay Account credit division service
2.5% Withdraw money from your Obopay Account and transfer to
your bank account Free card credit fleet service
View Obopay Prepaid MasterCard fees
*
When you add money from your bank account, we waive the
standard 2.5% fee for adding money. If adding money from your
bank account fails due to a lack of funds, there will be a
$6.00 fee. You mobile operator may charge its own standard fees
for SMS (text messaging) and data transfer when using Obopay
from your mobile phone. Obopay reserves the right to change
these fees at any time. card consolidation credit
Merchants
Merchant Program Overview
What are the three most important things to merchants Based
on our research and understanding of the market, merchants are
focused on three key thingsincreasing sales, reducing costs,
and ensuring that all transactions are completed securely. credit federal first service
If you provide this information orally, we may require that
you send your complaint or question in writing within 10
business days. We will determine whether an error occurred
within 10 business days after we hear from you and will correct
any error promptly. If we need more time, however, we may take
up to 45 days to investigate your complaint or question. If we
decide to do this, we will credit your Card within 10 business
days for the amount you think is in error, so that you will
have the use of the money during the time it takes us to
complete our investigation. If we ask you to put your complaint
or question in writing and we do not receive it within 10
business days, we may not credit your Card. center credit family service
For errors involving new Cards, point-of-sale, or
foreign-initiated transfers, we may take up to 90 days to
investigate your complaint or question. For new Cards, we may
take up to 20 business days to credit your Card for the amount
you think is in error. credit reporting service
Arbitration.
Arbitration is a means of having an
independent third party resolve a Dispute. A
Dispute is any controversy or claim of any type
or nature between you (or any authorized user) and us, Obopay,
or our employees, officers, directors, attorneys, and other
representatives and agents arising out of or in any way
relating to this Agreement or your Account (including any
matters pertaining to marketing, collections or this
Arbitration agreement and any claims under the Truth-in-Lending
Act, Federal Trade Commission Act or the Fair Debt Collection
Practices Act and whether the Dispute relates to matters which
arose before or after your Card is issued). You agree that this
is a contract involving interstate commerce which is subject to
the Federal Arbitration Act and that any Dispute shall be
settled by binding arbitration in accordance with the rules and
procedures of the American Arbitration Association
( AAA ) relating to consumer disputes. To find out
how to initiate an arbitration or more about AAA arbitrations,
call 1-800-925-0155, visit AAA s website at
www.adr.org, or simply call any office of the
AAA for more information. The arbitration will be held in the
federal judicial district in which you reside, unless all
parties agree to a different location. You and we agree that
the arbitrator has no authority to conduct class-wide
proceedings and will be restricted to resolving the individual
disputes between the parties. The arbitrator otherwise has the
ability to award all remedies otherwise available by statute,
at law or in equity to the prevailing party and the authority
to determine whether a particular claim is arbitrable. We agree
to pay all fees and costs charged by AAA in connection with the
arbitration. If you are the prevailing party in the
arbitration, you will be entitled to the recovery of reasonable
attorneys fees and the costs of arbitration, as
determined by the arbitrator. Judgment upon the award rendered
by an arbitrator may be entered in any court having
jurisdiction thereof. YOU UNDERSTAND THAT IN ARBITRATION YOU
WILL NOT HAVE THE RIGHT TO GO TO COURT, TO HAVE A JURY TRIAL,
TO ENGAGE IN PRE-ARBITRATION DISCOVERY (EXCEPT AS PROVIDED FOR
IN THE ARBITRATION RULES), OR TO PARTICIPATE AS A
REPRESENTATIVE OR MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING
TO ANY DISPUTE. OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO
COURT MAY ALSO BE UNAVAILABLE IN ARBITRATION. If any portion of
this Arbitration agreement is subsequently deemed
unenforceable, the enforceability of any other provision of
this Arbitration agreement shall not be affected and the
unenforceable term shall be amended such that it is enforceable
to the maximum extent permitted by law. This Arbitration
agreement shall continue in effect even if your Account with us
is terminated or we assign your debt to another party. cca credit division service
Address Changes Should your address change, you are
required to notify us of that change. Notify us through Obopay
by calling Obopay customer service at 1-888-8OBOPAY
(1-888-862-6729), or on the Internet log into
www.obopay.com. We may make efforts to confirm
your request and the processing time may take several days.
First PREMIER Bank Privacy
Notice credit free report service
Protecting your privacy is of the utmost importance to First
PREMIER Bank (referred to herein as we, us,
and words of a correlative or similar meaning). We want
you to understand what information we collect and how we use
it. In order to provide our customers with a broad range of
financial products and services as effectively and conveniently
as possible, we use technology to manage and maintain customer
information. card credit customer discover
What Information We Collect We may collect nonpublic
personal information about you from the following
sources: credit repair report service
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Information we receive from you on applications or other
loan and account forms, such as your name, address, social
security number, and income; credit legal repair service
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Information about your transactions with us, our
affiliates, or others, such as your account history,
payment history and debit card usage, if any; cic credit monitoring service
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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. credit service union worker
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 . 1st credit service union
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. card chase credit customer
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. card chase credit service
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. citi credit monitoring service
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. credit plus service union
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: credit farm service
Developing and implementing a risk assessment process
related to AML/BSA. 1st credit federal service
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Remaining current and up to date on all changes in
AML/BSA regulatory requirements and guidelines and making
sure that all appropriate persons within the company are
informed and in compliance with changes. credit paychex service tax
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Providing guidance and recommendations on the
development and implementation of new and existing AML/BSA
systems, applications and operational processes. credit service tax
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Developing, implementing and revising AML/BSA Policy and
Procedures to ensure compliance with regulatory
requirements. aeon credit service
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Establishing and prioritizing short term and long term
strategic plans for the AML/BSA Program to meet regulatory
and program objectives. credit one service union
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Prviding AML/BSA subject matter expertise to senior
management. bad cell credit phone service
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Producing AML/BSA operational status reports and
briefing packages for the Chief Risk Officer, the Corporate
Compliance Committee, the Audit Committee of the Board of
Directors and the various lines of business, as needed. counseling credit debt service
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Managing AML/BSA work outsourced to consultants or other
third parties. card credit payment service
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Serving on various AML/BSA-related committees or task
forces, as assigned. Ensuring that the AML/BSA Training
Program delivers an up-to-date and meaningful
curriculum. card credit merchant
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Acting as primary interface with regulators during
AML/BSA examinations. counseling credit family
Requirements:
Successful candidates are required to have a Bachelor s
degree with a business, finance, accounting or criminal justice
focus. An MBA or law degree is preferred. A minimum of 5 years
regulatory compliance experience in the financial services
industry, with a demonstrated expertise in BSA, AML. KYC, USA
PATRIOT Act and OFAC, is required. In addition, we prefer
candidates with experience in a MSB and managing state money
transmitter audits. A minimum of 3 years supervisory experience
in a financial services or regulatory environment is also
preferred. Successful candidates must be able to speak and
write clearly and concisely to all constituencies, including
regulators, senior management and directors. Additional
requirements include the ability to make sound decisions under
pressure, the flexibility to prioritize and handle multiple
tasks, and proficiency in MS Office Suite applications. annual credit report request
monebaggasse
Obopay offers the first comprehensive mobile payment service in the United States. Obopay's consumer service allows mobile phone subscribers to send money, give gifts, pay each other and purchase from their mobile phone. The service, 25, is fast, convenient, and fun. The initial applications for Obopay are for person to person money transfers including gift giving and sharing expenses. Obopay also enables point of sale purchases through a companion debit card.