Rebates and Consumer Reward Management

Peter: Not that we've seen. However, it's certainly a mix that is constantly changing due to the economy. The model for prepaid cards has certainly changed with the downturn, as now consumers are making sure they spend virtually every single penny that is loaded on the card. That was especially true with gas cards when the price at the pump was sky high.

Both checks and plastic have their place and which is best is based on a combination of your volume and distribution costs. Checks are more practical for the consumer, but plastic allows consumers to spend the money on more 'fun' things than bills, etc. You have to decide which approach suits your brand.