white label card issuing. Create and issue cards instantly and get branded physical cards shipped in as little as three days. white label card issuing

 
Create and issue cards instantly and get branded physical cards shipped in as little as three dayswhite label card issuing  Airwallex allows you to white-label our suite of banking solutions

Digital banking, a white-label solution for regulated institutions. By utilizing the Airwallex BIN alongside Airwallex’s Scale and Issuing products, you can provision cards for your end customer. Let’s discuss a perfect solution for you! Contact us. Benefit from full-stack local card issuing in 36+ countries, streamlined compliance across jurisdictions, and shared funds. Your customers will be able to order tokenized physical and virtual cards with the. White Label ATM (WLA) operators charge card-issuing bank fees to provide this facility to the bank’s clients. Before we go through the 7 simple steps of integrating Berkeley Payment’s API, let’s focus on the features that this API provides and why they are important to you. VISA cards - branded by you. Direct issuing and processing. Simon Laker, who specializes in open-loop transit payments for UK-based Consult Hyperion, and who backs the idea of agencies already accepting open-loop EMV cards to use white-label cards for closed loop, told Mobility Payments he believes a price of $1. com. Push provisioning to digital wallets. Satchel. Issue VISA cards to increase your brand. This innovative product simplifies the card issuing process, allowing businesses to save valuable time and resources by automating manual tasks. It is designed to help financial intermediaries build custom banking platforms that meet the specific needs of their clients. The Next Generation Fiat On & Offramp for Defi, Gamefi, NFTs. USD to USDC. Wallester is an Estonian licensed financial institution that develops financial digital technology and issues VISA cards. – Enable your cards with a white-label mobile app and digital wallet access – Activate, view and track transactions – Enabled with Apple Pay, Google Pay and Samsung Pay. Wallester's software and REST API allow users to easily integrate and manage. Employee Benefits. Igor led the development of 2 white label banking platforms, worked with 10+ financial institutions over the world and integrated more than 50 fintech vendors. According to KBL's founder, Steven Foster, the company has done exactly that via its end-to-end white label prepaid card issuing and. This card can be topped up via a dedicated collection account specific to that card / cardholder. White label card issuing — Know your timeline Setting up a physical card program takes 10 to 12 weeks. Our API-based card issuance system simplifies the process, from production to distribution, ensuring a seamless experience for both businesses and consumers. UAB "Walletto" offers personal IBAN accounts, business IBAN accounts, merchant accounts, prepaid cards, debit cards, co-branded cards, card processing, payment acquiring, BIN sponsorship, white-label card issuing to individuals,. Take advantage of card issuing services. In order to do so, they suggest that you politely ask to see the person's wallet card, which. Issue unlimited debit. What Businesses Can Issue White Label Debit. +371 6722 6741. The demand for white-label card issuing solutions has been on the rise in recent years, as the global cards market is experiencing never seen before growth, with “Cards Global Market Report 2023” by The Business Research Company’s total evaluation of $291. At Apto, we imagined a world in which any founder with a great idea could launch a card product in minutes. 70) Decta Limited is an electronic money institution focused on providing a flexible payment processing platform. See on the map. During white label card issuing, one company manufactures a banking product, such as a debit or prepaid card, and then sells or grants the use of that product to a second company. You can use Airwallex Issuing platform to implement your own cards proposition. Building blocks for the perfect card program. We help you optimize card issuing expenses and provide same-day shipping for a wide variety of card products, designed for private or legal entities. The biggest in-house. Order, activate, block cards, set limits, and configure other options you need to make your business run most productively. Expense control services. Company can customize the product according to their own business options and preferences. Start building. Loyalty and reward. Issue cards through Connect. Entrust provides a unified SDK for Android and iOS that supports all digital card features. Fraud Prevention. Americans have adopted digital bank accounts (Learn more about their account preferences in our eBook: The Digital Migration – Growing Share of Banking). White label core banking 2022. Put your brand front and center. White label debit card issuing has become increasingly popular in recent years as more and more businesses seek to offer payment services to their customers. Airwallex allows you to white-label our suite of financial solutions. From the dashboard, head to the Card Issuing. PURE is a scheme-agnostic EMV application that private-label card issuers and national payment. Offer a native experience to your end-users by issuing a branded visa cards program. Create a physical card by default enrolled in 3D Secure. An essential aspect of white label card issuing solutions is the collaboration with card schemes and issuing partners to ensure seamless payment processing and a wide range of options for businesses and customers. See on the map. White label card issuing solutions provide businesses with direct access to payment services, such as debit cards, prepaid cards, and commercial card programs. White label core banking 2022. Designed to enable a wide range of modern payment solutions, the DECTA API offers precise control and full ownership of your white label card program. Step 1 add your logo, change the colors and select the features you want to market with. Issue unlimited debit. Payment Processed 2022. These cards reward cardholders with benefits and incentives related to the nonfinancial business’s products and services, encouraging loyalty and increased spending with that brand. White-label debit cards. White label card issuing One effective method of customer retention and interaction for the companies mentioned above is to become a debit or credit card issuer. Set and change your daily spend limits, PIN assign. Twitter. Issue unlimited debit. 10120, Tallinn, Estonia F. Offer a branded payment card to create great engagement and interaction with your customers. Simon Laker, who specializes in open-loop transit payments for UK-based Consult Hyperion, and who backs the idea of agencies already accepting open-loop EMV cards to use white-label cards for closed loop, told Mobility Payments he believes a price of $1. BIN Sponsorship Access to. Individual rates, starting just at 0. An API for businesses to instantly create, manage, and distribute payment cards. com. Start building. TheBanks. It is a top choice for ambitious banks and processors of any scale wanting to start or transform their card management business efficiently, improve customer experience, and take advantage of open banking opportunities. Stripe supports the addition of cards through two methods: Manual Provisioning: cardholders enter their card details into a phone’s wallet application to add it to their digital wallets. One partner and all in one. Issue unlimited debit. How does White Label Card Issuing Solution help your business? Detailed analysis from Fintech-Startup Wallester. Multi-purpose Hierarchical Customer Accounts. C2A Card - C2A Card is a white-label card issuing service with over 10 years of experience as an accredited partner of Mastercard. Private label credit cards are run in collaboration with banks or third-party financial institutions. Offer a branded payment card to create great engagement and interaction with your customers. Customize your physical cards. White-labelled card programs that reward employees or incentivize customers for purchases. They chose to partner with DECTA, following advice by fellow fintechs that referred to a high level of service at an approachable price offered by the provider. When we issue cards, we can link them to dedicated IBAN accounts, giving you more possibilities. Twitter. Unlike other card issuers, our unified payments platform means we can bridge your acquiring and card issuing - helping funds flow seamlessly from one side of your business to the other, with nothing tied up in transit. Create and issue cards instantly and get branded physical cards shipped in as little as three days. Monday — Friday, 9 AM — 9 PM (EEST) Sales sales@wallester. Issue unlimited debit. Build financial products from our Open-API to facilitate card. Issue unlimited debit. White-label solutions. Payment Accounts. The concept of “white label” credit cards is based on a partnership between a bank and a company, with traditional banks developing and supervising the cards. Free Corporate Cards. Biometric protection Our white-label mobile app for card issuers provides easy and secure access to card information, as well as a wide range of card services. Good (3. Enhance cardholder experience and usage. Once you know your name is up-to-date on their records, then visit us. Create a physical card by default enrolled in 3D Secure. It provides businesses with a unique 360° overview of payment insights, allowing them to analyze their performance and gain access to. The third-party partner (or private label credit card provider) assists in several areas, including issuing, funding, and payment collection. Solution: Innovative product. Card issuing. For more details call us at 408-999-5466. White-Label Card is a store-brand card issued by your brand with your company logo, design, and all necessary details. | Learn more about Jurijs. These cards reward cardholders with benefits and incentives related to the nonfinancial business’s products and services, encouraging loyalty and increased spending with that brand. Unbounded Tek is a groundbreaking white label card issuing, and software solution is set to redefine the industry. Fully Secured. A white-label card-issuing and payment solution to streamline your disbursements. Wallester’s white-label service allows clients to create own-brand virtual and physical Visa cards. Intercash is one of the world’s leading providers of global payment solutions, with a special focus on white-label card programs. As a licensed bank and e-money institution, we enable you to offer Visa or Mastercard payment cards, whether for retail, freelancer, or business. White-label card issuer with global payment gateway and processing solutions for prepaid and debit cards. Leverage Striga’s APIs to issue white label payment cards branded with your logo. Full-stack payment platform to enable your digital payment solutions. Wallester white-label cards allow companies to brand their own cards and let their identity shine as the employees take them out into the world. The software provides an easy-to-use platform for businesses to issue cards quickly. In essence, a white label debit card is a card that is branded with the logo and other identifying features of the issuing company, but is actually issued by a third-party. The following is a complete list of white label banking app services: Savings and checking accounts. Delivering a platform for white-label enterprise partners in the banking industry is different from offering a single-purpose direct-to-consumer product or service. Apply your brand to the UX. The card, called Lyte Talent Card, enables RES to use their commissions anywhere Mastercard is accepted, track and pay for their business and marketing expenses such as staging a client’s home for viewing and paying for listing fees on property. for more information on prepaid and debit issuing, contact: Chelsea Puckett SVP, Strategic Payments (800) 229-7497 Email Chelsea Mark Sumby SVP, Business Development (800) 229-7497 Email MarkA full-fledged banking solution for your customers. The issuer approves the transaction, and Visa completes the payment to the. Explore. DECTA is a global payment processing company offering a wide range of B2B payment services. Issue unlimited debit. ‍ Also, a white-label card with just your brand’s logo on the front looks impressive. Leverage Striga’s APIs to issue white label payment cards branded with your logo. Private Label Credit Card: A private label credit card is a store-branded credit card that can only be used at that store. Card issuing. Let us take care of the operational. Talk to an expert. WHITE LABEL DEBIT CARD ISSUING. With our virtual card issuing API, automate global card issuing. Possibility to switch on/off contactless / ATM / magstripe / e-commerce transactions to help protect against unauthorized use in the event your card is misplaced. Card design confirmation in 2 days. White label card issuing is an exciting part of banking as a service, that allows other organisations to enhance their product offer to customers by upgrading their product range. Our customizable solution allows you to bring distinctive consumer value propositions to life in a way that builds your brand and business. Highlight. Multiple communication methods Apto manages the entire KYC (Know Your Customer). That’s because there are a lot of steps to take care of before you can be ready to print physical cards: Card design; Feature selection; Ensure the card design adheres to card network standards; Get branding approval; Cardstock printingAccept card payments quickly and easily with a simple, developer-first integration. Designing your best-fit solution, you can do business in an open-market economy, start stable fintech operation, or launch a card for travel and. About WLA Headquartered in Munich, the White Label Alliance (WLA) is a member-driven organization committed to extensive adoption of independent payment solutions for smart card and digital firms. The White Label Card Issuing Software Platform has been developed to adhere to the latest industry standards and best practices, ensuring customers receive exceptional service quality. 50. Custom Card Issuing for Every Need. When a business or organization intends to provide its customers with the option to make payments using a personalized online banking platform and custom label card program, it collaborates with a financial institution. The key functionality delivered by the service provider is card issuing integrated with several of the world’s core banking systems. Flexible white-label Card Program Management. One partner and all in one. Neobank for Consumers. Benefits with unmatched agility to meet. Benefits of using a white-label payment gateway. Wallester white-label cards allow companies to brand their own cards and let their identity shine as the employees take them out into the world. 5%. Our expert Card Issuing team is here to help. Brand and launch your digital wallet—no lengthy development work. The companies can then package an omnichannel integrated solution to their consumers, never needing to rely on an outside third-party provider. Co-branded credit cards are financial products jointly offered by a credit card issuer and a nonfinancial business, typically a retailer or service provider. Issue unlimited debit. Buy now, pay later settlement. Issue unlimited debit. Payment Acquiring services for Merchants and PSPs across various industries and business scenarios. Offer a native experience to your end-users by issuing a branded visa cards program. We have a proven smart card market track record in developing EMV. Kreutzwaldi 4 (1 floor) Support support@wallester. business is coming to market with new offerings such as a private-label card and buy now/pay later. Offer a native experience to your end-users by issuing a branded visa cards program. By adopting a white-label payment gateway, businesses gain greater control over their payments infrastructure. These cards reward cardholders with benefits and incentives related to the nonfinancial business’s products and services, encouraging loyalty and increased spending with that brand. Payouts. prepaidcardswhitelabel. Unbounded Tek is a groundbreaking white label card issuing, and software solution is set to redefine the industry. White-label solutions. Offer a native experience to your end-users by issuing a branded visa cards program. Online customer support, statistical data analysis, risk control, and more — all features. Visa Principal Members can issue any type of Visa card products and programs, including BIN Sponsorship and Associate Membership opportunities. [email protected] Sign UpTypes of white-label digital wallets Consumer wallet. Leading the change with versatility, Wallester’s White-Label solution offers businesses an opportunity to create bespoke card programs, be they virtual or physical, spanning debit, credit, or. PARTNER NEWS: Antelop Solutions has introduced a new solution that makes it possible for banks and card issuing processors to use a single software development kit to add all the very latest digital card features to their mobile banking apps. Start building. Issue credit cards and retain your customers. Platform. Designing your best-fit solution, you can do business in an open-market economy, start stable. Merchant #2 [ You ] Payment Service Provider or Facilitator. Our white-label payment gateway can be tailored to your exact business requirements. io. • BIN Sponsorship and White Label Card Issuing. Quick, Customizable, and User-Friendly Card Issuance Solutions. Portfolio Analytics. Schedule a demo and issue cards seamlessly on your platform now! Digital Products (PPOB)555-555-5555. The card issuer’s role is to provide the customer with the physical card, along with the associated account information and access to the card network. R. ‍ Rapid financial technology advances continue to drive enormous change. The commission and transaction fees that this brings also create a useful new revenue stream. Unlimit Crypto↗. Get access to the multi-functional Wallester Business platform absolutely free. VISA cards - branded by you. Improve your payment value chain with DECTA digital payment solutions. Branded card designs. Since 2004, Peoples Card Services has built an extensive range of prepaid and credit programs in Canada. Cutting-edge API for easy integration. Understanding White Label Cards. WLA has also signed a strategic licensing agreement with. According to reports a wide range of business models can benefit from the diversified solutions and individual approaches that Wallester. com. Start building. • White label Payment Gateway. Alternatively referred to as “API card issuing” or “modern card issuing”, this new trend in the world of embedded finance. A full-fledged banking solution for your customers. per standard, physical card. Start building. Facebook. Get in touch with us. A full-fledged banking solution for your customers. White-Label Card is a store-brand card issued by your brand with your company logo, design, and all necessary details. per standard, physical card. Details will be shared with the card manufacturer. Issue unlimited debit. Two major card schemes in the market, Visa and Mastercard, play a crucial role in providing the backbone for these solutions. Avery TrueBlock Laser/Inkjet Shipping Labels - 5" x 3 1/2" - White - 400 Pack (5168) ★★★★★ ★★★★★. While many businesses feel satisfied with unbranded payment gateways, there are advantages to white-label gateways that hold strong appeal. Contact us now!Your own white-label acquiring solution using our technology, which ensures a streamlined, quick go-to-market experience. Step 2 use the administration portal to set up your commercial offering. Setup your own customers discounts and cashback solution using Mastercard or Visa. Branding and customisation. Push provisioning to digital wallets. Turbocharge your brand with white label debit cards. The software solution allows businesses to differentiate themselves in the marketplace with fully customizable, brandable card products. 01. It has two steps and. A white label prepaid debit card is cash in hand from a trusted name,. Bank also provides white label card issuing services to thousands of banks and credit unions across the country through its Elan subsidiary. White label, personalize, and brand your physical cards and. Pay from your multi-currency wallet, and eliminate costly FX conversion fees. Issue unlimited debit. Discover Ayoconnect's White Label Virtual Cards API (powered by Mastercard) for expense management, lending, online travel, and more. WePay’s white-label service also extends to the mobile and storefront products, allowing software companies to brand in-person payment devices under their own banners. Get the full solution by using the mobile application that was developed by Estonian IT-Specialists and can be white-labeled. per standard, physical card. A scheme-assigned BIN (bank identification number) enables companies with an established client base and business model to deploy their own cards or wallets without having a direct membership in the. Make global and local payouts the way you want. Offer a native experience to your end-users by issuing a branded visa cards program. It is an Estonian payment institution that creates efficient FinTech products and services available for businesses in all EEA countries. Individual rates, starting just at 0. Co-branded credit cards are financial products jointly offered by a credit card issuer and a nonfinancial business, typically a retailer or service provider. VISA cards - branded by you. Issue unlimited debit. 304628112) which is licensed by the Supervision Service Department of the Central Bank of Lithuania and granted electronic money institution licence Nr. We also handle risk management and fraud detection on your behalf. They are sleek, sophisticated, and personalized — all this while providing all the functionality you would expect. They are sleek, sophisticated, and personalized — all this. Talk to an expert. Multi-product, multi-use case: choose from credit, debit, prepaid and other lending types. White label card issuing. The software provides an easy-to-use platform for businesses to issue cards quickly. Unbounded Tek is a groundbreaking white label card issuing, and software solution is set to redefine the industry. Setting up a physical card program takes 10 to 12 weeks. com. Issue unlimited debit. E-Mail: [email protected] Group LTD posted images on LinkedInMONAVATE LTD is an electronic money institution focused on white-label card solutions. A standalone application that can be customized to match your look and feel. Offer a native experience to your end-users by issuing a branded visa cards program. S. Card issuing. Introducing PURE. One effective method of customer retention and interaction for the companies mentioned above is to become a debit or credit card issuer through a third party. Set and change your daily spend limits, PIN assign. WLA has also signed a strategic licensing agreement with JCB. One-stop solution for your fintech project. 555-555-5555. Leverage Striga’s APIs to issue white label payment cards branded with your logo. As a licensed bank and e-money institution, we enable you to offer Visa or Mastercard payment cards, whether for retail, freelancer, or business. Offer a native experience to your end-users by issuing a branded visa cards program. Card issuing. Issue branded debit, credit or prepaid cards with one of many integrated issuers. The software solution allows businesses to differentiate themselves in the marketplace with fully customizable, brandable card products. One of them is white labeling of card issuing process or co-branded issuing programs support. White Label Solutions. Digital banking core software platform featuring modularity, white-label apps, and API ecosystem. +371 6722 2555. Self-serve from setup through changes and program management. Visa verifies the payment and communicates with the issuer to authorise the transaction. Of course, the card issuing plugs perfectly into the rest of the Wallester infrastructure, giving you full control over your payment systems all under one roof. Learn more. Use the modern API to track information and manage your cards in case they are stolen, lost, or damaged. The cardholder uses a Visa-branded card to make a payment to the merchant. But every time an airline wants to issue a new card with a new screening process, limits, or rewards, they have to renegotiate terms with the issuing banks, work out the details, and. Issuer and Acquirer Processing. Step 4: The card network conveys processing data to the cardholder’s issuing bank. The White Label Card Issuing Software Platform has been developed to adhere to the latest industry standards and best practices, ensuring customers receive exceptional service quality. A full-fledged banking solution for your customers. It pioneers innovative and comprehensive payment solutions in card acquiring and issuing, account management, bank transfers and e-wallets. 04 mln EUR and revenue was 42. Branded card designs. QR Payments Payment Terminals Mobile/Webb Payments Open Banking Payments Card Issuing PayFac Payment Gateway. VISA cards - branded by you. To receive contact from our commercial team, we need you to fill out the form below. Unlimit Crypto↗. By. If you’re a platform looking to create more value for your customers and unlock new revenue streams, Airwallex allows you to white-label our suite of banking solutions. Every time the recipient reaches out to their gift card, they get an instant reminder who gave them their gift. Unbounded Tek is setting the stage for businesses to innovate and grow within the digital. Full-tracked physical card activation flow. Typically, the company selling the final product to the consumer has no direct involvement in manufacturing. White label digital wallet with which you can create a bank account and manage money requests, P2P transfers to contacts, QR code payments, send and receive, make cross-border transfers with instant currency conversion, credit and debit cards, loyalty, and rewards. White-label solutions. Berkeley Payment offers white-label prepaid cards instead of generic onesWith the right card issuance API, businesses can securely create white-label payment cards that will improve their brand image, among other benefits. Find Out More. In 2022 MONAVATE LTD had total assets of 20. Send or receive funds via the most popular banking payment systems like SWIFT or local bank payments provided by several Crassula partners. You can contact Health Insurance BC for any name change (or for issues with matching the name on your. Our card issuing capabilities and smart Cards API empower you to provide prepaid, debit, and credit cards. – Enable your cards with a white-label mobile app and digital wallet access – Activate, view and track transactions – Enabled with Apple Pay, Google Pay and Samsung Pay – Leverage our APIs for complete customisation When to create aPrepaid Card Program. Streamlined mobile application and instant virtual card issuing. Talk to an expert. We achieve great customer experience through biometric authentication for instant online card payments and the easy provisioning of cards to mobile payment wallets, such as Apple Pay, Google Pay, Samsung Pay. Thanks to our acquiring platform, we offer direct connections to international card brands and more than 1000 payment methods. Your customers will be able to order and use their virtual and plastic cards in web, iOS, and Android apps while you will have all the managing tools in the back office Dashboard. White label cards Enhance your brand’s image with your own logo and design on your prepaid Mastercard, whilst retaining all the features of the Crunch-branded card. Co-branded credit cards are financial products jointly offered by a credit card issuer and a nonfinancial business, typically a retailer or service provider. Digital wallets have replaced checking cards; intuitive apps have taken over conversions from sales staff; and white-label fintech platforms have emerged as go-to infrastructure to help brands. Offer a native experience to your end-users by issuing a branded visa cards program. BIN Sponsorship & White Label Card Issuing. Software-as-a-service (SaaS) providers. White-label VISA card issuing company with global payment gateway and processing solutions for businesses and consumers with 0% maintenance costs. Optimize cash flow the clever way. Issue unlimited debit. Start building. In the regulated financial sector, card issuers are required to obtain an issuing license before commencing operations. White-label solutions. Use online virtual cards as an optimal financial. Issue unlimited debit. There are two paths a fintech company can take to put a card issuing program in place: becoming a principal member of the Visa or Mastercard network or acquiring a white. Talk to an expert. Leverage Striga’s APIs to issue white label payment cards branded with your logo. White label card issuing. White Label Product: A white label product is manufactured by one company and packaged and sold by other companies under various brand names. Supported regions. Take an advantage of a unified API, full-featured business management back-office, digital. These cards reward cardholders with benefits and incentives related to the nonfinancial business’s products and services, encouraging loyalty and increased spending with that brand. White-Label Card is a store-brand card issued by your brand with your company logo, design, and all necessary details. In this case, the issuing bank/payment processor will be marked on the face of the card. Here are some of the benefits and considerations of white-label debit card. Payment Launching White-Label Card — one step ahead of other brands in competition. +372 672 0101. This transformation is crucial, as it bears significant potential to mitigate environmental degradation, combat climate change, and safeguard our planet for posterity, thereby ensuring a cleaner, more. You know your business needs and what your cardholders want—our white label credit program helps you deliver. In this process, the private label financial institution will work with the retailer or company to design and issue a credit card branded with the retailer or business name. Open API Learn how to integrate with our API. Cardholder Features. The White Label Card Issuing Software Platform has been developed to adhere to the latest industry standards and best practices, ensuring customers receive exceptional service quality. Companies from the following regions can integrate: EU. Visa® Commercial Credit Cards issued by Celtic Bank, a Utah-Chartered Industrial Bank (Member FDIC). Business Payment Accounts. If you’re a platform looking to create more value for your customers and unlock new revenue streams, Airwallex allows you to white-label our suite of banking solutions. WLAs offer debit card services such as cash. The business provides its branding and marketing materials, and the financial institution handles the credit card processing, payment collection, and other back-end functions. Leverage Striga’s APIs to issue white label payment cards branded with your logo. Customize physical cards with a company logo. A white-label prepaid card can give firms the ability to create loyalty programs, gather customer payment data, and produce attractive and eye-catching brand. Go to market fast - Airwallex offers a tried and tested white label card solution that allows businesses to quickly bring their own branded cards to market. 50. With Wallester, you can issue your own VISA virtual and physical loyalty cards. In essence, a white label debit card is a card that is branded with the logo and other identifying features of the issuing company, but is actually issued by a third-party. Issue co-branded cards and white label cards. Pre-Defined or Custom Payment Card Products. White label debit card issuing has become increasingly popular in recent years as more and more businesses seek to offer payment services to their customers. Our Program API provides the foundation for you to launch, scale and grow your white-label card issuing program. Personalize the look and feel of your physical and virtual cards with custom logo design, carrier, messaging, signature, and graphics that reinforce your brand. Virtual and physical card issuing. Talk to an expert. Issue unlimited debit. Issue company branded money by providing white label gift cards to customers and employees for any occasion. 0. Talk to an expert.