VELVET PAY

Private (white) label credit cards and credit cards that serve as both private label credit cards and general purpose credit cards for use at participating beauty salons and spas; Issuance of private (white) label credit cards; Credit card services that provides a card, online e-account or repository of credit and funds for use at participating beauty salons and spas that includes providing discounts and incentive programs to members; Providing credit card and debit card services with loyalty and consumer incentive programs; Administration of credit card and loyalty programs; Downloadable applications that provides access to credit card services; Mobile applications proving access to credit card services.