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 What Withdrawal Mechanisms are there?

We offer you four methods of returning e-cash to your accounts:

• Credit card: we return e-cash directly to your credit card
• Wire transfer: we return converted e-cash back to your bank account
• Check by International Courier to your registered address which takes three to 5 (five) business days delivery time
• Check by Regular Mail which takes one to four weeks delivery time depending on your location

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 Can I redeem e-cash to my credit card?

This method is mandatory for End-users who have previously made a deposit using a credit card. There are currently no charges for withdrawing money via this method. Please note that withdrawals subsequent to deposits made by credit card will be refunded to the purchasing card, up to a maximum of the amount deposited on that card. Excess amounts will be paid by check or direct bank transfer.

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 Can CFI redeem e-cash into my bank account?

Yes, we can redeem e-cash into a bank account in the United States, at no cost, via a bank transfer.
To arrange the transfer, we require the following information:

• the amount you wish to redeem
• your bank account number
• the 9 digit ABA / Routing number of your bank (please confirm this number with your bank)
• your full name as it appears as a signatory to the account
• type of account (Checking or Savings)

Please note: you MUST be a signatory to the bank account to utilize this method.

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 Can CFI redeem e-cash as a check?

CFI allows End-users to choose between a check being posted by regular mail or delivered by international courier to the address you supplied us with when you originally registered.There are no charges for a check sent by regular mail. Courier fees will depend on your address location and will be deducted from the total of your requested funds.

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 What about Fraud Prevention?

CFI plays an active role in fraud prevention and detection. Our aim is to ensure the integrity of End-user Accounts as well as payments made to customers. CFI employs a variety of appropriate security and fraud controls. One such measure used to maintain secure transactions, is to randomly request certain data from End-users, along with their payment options. Customers may need to supply proof of identity, copies of credit cards, a signed purchase history of their transactions or other appropriate documentation particularly when attempting to cash-in credits.

Please note: CFI reserves the right to request certain documentation whenever we deem necessary.

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 Risk management and fraud control

CFI has over time accumulated substantial experience and expertise in risk management and fraud control, along with the development of a negative (fraud) database which we make available to the businesses we support. In addition, we have secured several alliances with other credit card processors in the e-cash industry with whom we share the negative database. By processing your e-cash through us, you will benefit from these relationships.

We use sophisticated fraud detection systems which make use of a score-screening system, which can be altered to suit our clients’ needs. This system is used to flag potential high risk and fraudulent customers. The services include:

• Verification of all new customers which validates the consistency of information supplied by customers when they register
• Transaction Risk Management which is aimed at reducing exposure and risk to clients as well as detecting patterns associated with known fraudsters
• A Shared Negative Database which is used to check all new customers and credit cards being registered. Any queries or potential problem clients are flagged as they are electronically passed through this Shared Negative Database.
• Charge-back Management which manages all charge-backs and communicates regularly with Banking institutions to ensure that charge-back rates are kept as low as possible.

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