operating snap at a farmers market in nys snap at a ... •with the iphone system, sales data is...
TRANSCRIPT
OPERATING SNAP AT A
FARMERS MARKET IN
NYS
NYS EBT Program
• Third Party Processors
• MarketLink iPhone solution
• iPhone 5, EMV card reader & printer
• MarketLink support
• Signed market agreement
• Signed farmer agreements
• Issuance/redemption logs
Still using old-style POS equipment?
• Terminals tend to expire after 3 years and cannot be replaced
• If you entered SNAP by 2012, you may be eligible for a free upgrade to an iPhone set up
• Newer than 2012, we can still upgrade you …• You provide the smartphone or iPad with a data plan: we provide:
• Card reader
• Blue tooth connected printer
• Fee support
Plan Ahead!
It takes a minimum of 6 weeks to apply
and receive your new equipment. Plan
to make the changeover before your
current equipment expires!
Pricing Structure – WorldPay (Marketlink)
Year 1 Year 2 Year 3 Year 4
iPhone with
card reader$0 $0 $0 $0
Wireless data
service $0 $0 0 $30*
Annual fee for
payment
processing
$0 $0 $0 $120
License Fee for
MobileMarket+
application
$0 $0 $0 $100
Transaction
fees
SNAP: 15 cents per transaction
Credit & debit: 1.79% of sale plus 15 cents
Total $0 $0 $250
Additional WorldPay Fees
Early Terminal Fees
• Year 1 = $295
• Year 2 = $195
• Year 3 = $95
EBT Token
• $1 value
• Serialized, market specific
• No change given
• Valid only on food stamp authorized products
• Redeemable back through market manager
• Market responsible for all lost or stolen tokens if farmers redeem them
Food Stamp Eligible Products
• All fruits and vegetables
• Meats, fish and poultry
• Cheese and all dairy products
• Eggs
• Baked goods
• Processed foods
• Maple/honey/cider/juices
• Herbs – plants and bunched
• Plants and seeds that bear food
Ineligible Products:
• Non food products
• Wine & alcohol
products
• Hot foods
• Foods meant to be
eaten on site
Federation Responsibility
• Provide iPhone set up (if USDA qualified, otherwise only card reader and printer)
• Provide 1000 wooden EBT tokens, serialized, market specific
• Provide signage – market banner, farmer acceptance signs
• Make media kit available online
• Reimburse annual wireless fees, licensing agreements and EBT transaction fees
• Liaison with FIS, WorldPay, Novo Dia, USDA FNS, NYS OTDA, MarketLink
Market Responsibilities
• Obtain FNS authorizations per market location
• Obtain Farmer/Vendor Participation Agreements
• A copy must be filed with the Federation
• Farmer training
• Have terminal in operation throughout each market day
• Promotion and outreach
• Timely reimbursements to farmers
• Complete transaction logs
• E-File monthly with Federation
Day Before Market
• Charge terminal/iPhone battery/printer
• Count out enough tokens to accommodate sales for the
next day.
• Be sure to have an adequate supply of receipt paper for
the day’s sales.
Day of Market, before opening:
• Erect EBT banner at market manager or EBT booth to let
customers know where they can purchase EBT tokens
with their food stamp benefits.
• Be sure all eligible farmers have their “Tokens Accepted
here” signs displayed.
During Market
• Have someone on hand with the EBT
terminal/iPhone at all times to perform EBT
transactions.
• As sales of EBT tokens are made, give each
customer a paper receipt, your sales records are
stored in your Mobile Market + account.
• Although there is no expiration date on tokens
and they can be kept from week to week, EBT
customers are permitted to return unused tokens
for a refund to their EBT account.
End of Market Day• With the iPhone system, sales data is stored in the Mobile
Market + account
• Reconcile daily sales report with the receipts obtained from each individual sale.
• Record batch total on Daily Summary Issuance Log.
• Redeem tokens from farmers and vendors, recording redemptions on Daily Redemption Log.
• Issue checks from last week’s redemptions. Complete the payment section of the EBT Redemption Log.
Reconciliation
• Daily Batch/Sales reports should balance against the
day’s sales receipts
• Month end: batch/sales reports should balance against
checking account statement
• When either step does not reconcile: Contact the
Federation office IMMEDIATELY!
Working with your iPhone system
• When the equipment is provided to you by Market Link
you now have 2 years of free data plan, you must
purchase your own data plan by year 3.
• If you are getting new equipment in 2016, you have 3
years of free data plan and must purchase your own
dataplan by year 4.
• You will receive notice from Novo Dia when it is time to
make the transition.
• Once purchasing your own data plan you are free to add
voice, text, etc to the phone at that time.
Farmers Market Wireless EBT Program
EBT Daily Summary Issuance Log
Market: ____________________________
EBT Manager: _______________________
Market Date Daily Total Issued
Total Returned by
Customer
Total Redeemed by
Farmers
Season Total $ - $ - $ -
Farmers Market Wireless EBT Program
Farmer Redemption Log
List all farmers
Date
Redeemed
$
Redemptions Ck #
Date
Paid
Date
Redeemed
$
Redemptions Ck #
Date
Paid
Total
Redemptions
0
0
0
0
0
0
0
0
0
0
0
0
0
IRS 6050W Rule
• Must provide service provider with a Taxpayer ID Number
• All service providers must issue 1099K for total sales data
with copy to IRS and to merchant
• 1099’s to farmers – Except:
• not required if total # of farmers is less than 50
• Not required if total number of reimbursements per farmer is less
than 200 and total reimbursement per farmer does not exceed
$20,000
• If a nonprofit: report on 990 with offsetting expenses
• Unredeemed tokens are maintained as an accounts payable
• If under a personal SSN: report on Schedule C-EZ
• Show income with offsetting expenses
• Seek advice of your own tax accountant/attorney
USDA FNS Rules for Markets
• All markets in the SNAP program must be individually
authorized to be a SNAP retailer
• Umbrella organizations, such as food pantries, must have separate
FNS authorization for each location
• Markets operating at multiple locations must have separate FNS
authorization for each location
• Each FNS authorization requires a separate terminal,
• Cannot have multiple FNS accounts within one terminal.
• Can have multiple terminals tied to one checking account
Outreach and
Promotion
Media Kits
• Materials for
promoting all facets
of the NYS Farmers
Market Wireless
EBT Program
http://nyfarmersmarket.com/media-center.html
• Poster
• English and Spanish
• EBT only
• EBT/Debit/Credit
• PDF or Word Doc
• To ad your market information • Using word doc version -
add with a text box in the blue section, no fill, no line
• Printer may add information using pdf file for higher resolution
Consumer Brochure
Print Ads
¼ Page Size
Additional Print Ads
Television AdsTV Commercial #2
Kid: I used to hate vegetables.
But last week Mom took me to
the Farmers Market and we
had the best fun ever!
Everything was so fresh and
pretty.
We got to talk to the actual
farmers. I learned a lot.
Mommy says the food is local
and nutritious and we could
even use our food stamp/EBT
cards.
I’m still not sure I like broccoli,
but I love the Farmers Market!
Empty space for tagging.
TV Commercial #1
Kid #1: My family went to the
farmers market
Kid #2: And we got to buy fresh
fruits and vegetables
Kid #3: And all the other great stuff
Kid #4: We even got to use our EBT
card
Kid #5: The farmers said the food
was healthy for me.
Kid #6: but I just thought it was a lot
of fun!
Empty space for tagging.
Radio
Transit Cards
Signage
• Banner for display at
EBT manager booth
• Farmer signs
• We Gladly Accept
Tokens
• Farmer instructions
• How to accept/redeem
tokens
www.Snaptomarket.com
• Consumer oriented
• How to use food stamp benefits and farmers markets
• Locations of EBT markets
• Recipes, hints and tips for using fresh produce
• Resources for finding services
• Service provider guide and brochure
• Farmers market videos
Community Outreach
• Reach out to
community
organizations to assist
• Give presentations at
community centers,
civic organizations
• Farmers Market Bingo
• Use the materials in
your media kit!
Debit and Credit Options
Debit/Credit Program
• Central terminal market system
• Visa and Mastercard
• Opportunity to reach additional consumers,
adding sales potential to farmers
• Second token helps create a new economy in the
market building retail excitement
• Second token reduces stigma for EBT token
users
Debit/Credit Token
• $5 token
• Serialized, market specific
• Full color for easy recognition by farmers
• Change can be given
• No limitations on its usage
• Redeemable back through
market manager
• Cost of tokens is market’s responsibility
• Market responsible for all lost or stolen tokens if farmers redeem them
WorldPay fees for iPhone application
Debit and credit fees are the same:
• 15¢ per transaction
• 1.79% of each sale
• No monthly minimum
Fee Recovery
• Fees are charged back to the farmer when tokens are
redeemed.
• To fully recover charges, farmer redemptions will be
charged 25¢ per token
• Farmer receives $4.75 per $5 token
Farmers Market Wireless EBT Program
Db/Cr Transaction Log
Time of Issuance Balance
Transaction # tokens # tokens
opening balance 0
0
0
0
0
0
Total 0
Value $ -
Customer returns
Farmer Redemptions
End Inventory 0
Farmers Market Wireless EBT Program
Db/Cr Redemption Log
List all farmers Date Redeemed
# Tokens
Redeemed
Value of
Tokens
Redeemed Discount
$ Total
paid to
Farmer Ck #
Date
Paid
Total
Redemption
s
$ - $ - $ - $ -
$ - $ - $ - $ -
$ - $ - $ - $ -
$ - $ - $ - $ -
$ - $ - $ - $ -
$ - $ - $ - $ -
$ - $ - $ - $ -
$ - $ - $ - $ -
Market:
Debit/Credit Redemption Log
