SHAZAM BOLT$ Reference Guide - SHAZAM BOLT$

SHAZAM BOLT$ Reference Guide - SHAZAM BOLT$
SHAZAM BOLT$ Reference Guide                            The SHAZAM Network - September 13, 2018




SHAZAM BOLT$ Reference
Guide
This guide is intended for SHAZAM issuing financial institutions participating in SHAZAM BOLT$, and
for SHAZAM financial institutions whose cardholders receive funds from SHAZAM BOLT$ cardholders.

SHAZAM BOLT$, page 3
   Integrating SHAZAM BOLT$ Into Your App or Web Portal 4
   System Requirements for BOLT$ App 4

Authentication and Security, page 5
   Cardholder Authentication 5
   Device Security 5
   Card Registration 6

Cardholder Enrollment, page 7
Login, page 12
   Before Login 12
   After Login 16

Features, page 17
   Menu 17
   Home — Cards & Balances 18
   Send Money (BOLT$ P2P Payments) 25
   Manage Recipient 32
   User Profile 34
   Login Preferences 35
   User Settings 37
   ATM Locator 43
   About 44
   Help 44
   Feedback 45
   Log Out 45

Troubleshooting, page 46
   Card Use When a Card is Blocked 46
   Forgot Username 47
   Forgot Password 48
   Handling Hot-Card Situations 48
   On-Screen Error Messages 50
   Cardholder Requests Made Via Text Message 51
   Notification Options 52



© SHAZAM, Inc.                                                                               Page 1
SHAZAM BOLT$ Reference Guide - SHAZAM BOLT$
SHAZAM BOLT$ Reference Guide                      The SHAZAM Network - September 13, 2018


Activity Limits, page 54
   Card Limit 54
   Maximum P2P Daily Send Limit 54
   Anti-Money Laundering (AML) Limit 55
   PIN-Authentication Threshold Amount 56

Sample Email and Text Message Verbiage, page 57
   Transaction Alerts 57
   Suspicious Transaction Alerts 62
   SHAZAM BOLT$ Notifications 64
   SHAZAM BOLT$ Person to Person (P2P) Emails 72

Manage BOLT$ in SHAZAM Access, page 79
   Functionality 79

Researching Transactions, page 82
   Identify BOLT$ Balance Inquiries in SHAZAM Access Transaction Detail 82
   Identify BOLT$ P2P Transactions in SHAZAM Access Transaction Detail 82
   Identify BOLT$ Transaction Control Maintenance in SHAZAM Access Transaction Detail 83
   SHAZAM BOLT$ Denials in SHAZAM Access 84

Using SHAZAM Reports, page 85
   AML SHAZAM BOLT$ Activity (CD400-R) Report 85
   Card Account File Maintenance (CD200-R) Report 85
   Cardholder Institution Activity (SSR110) Report 85
   Establisher Exception Journal (SSR105) Report 85
   Establishing Institution Activity (SSR120) Report 85
   Institution Settlement Summary (SSR130) Report 85
   Mobile Activity (CM401-D) Report 86
   SHAZAM Risk Management (FD020-R) Report 86
   SHAZAM Security / Fraud Activity (SCD020) Report 86
   Temporary Card Block (FW310-R) Report 86

Settlement and Balancing for P2P Transactions, page 87
   Cardholder Reports and Settlement 87
   Terminal Reports and Settlement 87

Change Log, page 88




© SHAZAM, Inc.                                                                     Page 2
SHAZAM BOLT$ Reference Guide - SHAZAM BOLT$
SHAZAM BOLT$ Reference Guide                                 The SHAZAM Network - September 13, 2018



SHAZAM BOLT$
The SHAZAM® BOLT$™ service allows participating financial institutions to provide online and mobile
card-management services to their cardholders.

BOLT$ allows the cardholders of participating financial institutions to do the following:

   • View balance information for the primary account for each registered debit card.
   • Set up alerts for the following transactions, which are received via text (SMS) message, email, or
     both (additional fees are charged to the issuing financial institution for text messages):
            • Suspicious transactions (if your institution subscribes to SHAZAM Fraud Management
                Services)
            • Transactions over a cardholder-configurable amount
            • Internet and phone transactions (card-not-present)
            • Transactions outside the U.S.
   • Set up blocks for the following transactions:
            • All transactions (temporary card block)
            • Transactions over a cardholder-configurable amount
            • Internet and phone transactions (card-not-present)
            • Transactions outside the U.S.
            Note: Your cardholder can remove only blocks they’ve placed. Cardholders can’t remove a
                   block placed by your financial institution or SHAZAM.
   • Send money to any cardholder if your financial institution subscribes to BOLT$ person-to-person
     (P2P) payments (mobile app only).

Regardless of whether your financial institution participates in BOLT$, all users of the SHAZAM BOLT$
mobile app can:

   • Receive money from BOLT$ cardholders.
   • Locate the ATMs closest to them.

SHAZAM provides the following methods for cardholders to access BOLT$:

   • The SHAZAM BOLT$ web portal (http://bolts.shazam.net/) allows cardholders to access BOLT$
     through a web browser on a PC, laptop, or mobile device. The web portal supports the following
     web browsers:
           • Mozilla Firefox®
           • Windows® Internet Explorer®
           • Apple Safari®
            • Google Chrome™
   • SHAZAM BOLT$ mobile app allows cardholders to access BOLT$ from mobile devices. Mobile
     app is available for free download for the following types of mobile devices:
            • SHAZAM BOLT$ for Apple® iOS®: available on the Apple App Store
               (https://itunes.apple.com/us/app/shazambolt$/id571486405).
             • SHAZAM BOLT$ for Android™: available on Google Play™
               (https://play.google.com/store/apps/details?id=net.shazam.bolt&hl=en).




© SHAZAM, Inc.                                                                                    Page 3
SHAZAM BOLT$ Reference Guide - SHAZAM BOLT$
SHAZAM BOLT$ Reference Guide                                The SHAZAM Network - September 13, 2018



Integrating SHAZAM BOLT$ Into Your App or Web Portal
SHAZAM also provides a BOLT$ Application Programming Interface (API). Financial institutions can
use the BOLT$ API to integrate BOLT$ account alerts and account blocking into their own web portals and
mobile apps. For more information about the BOLT$ API, contact your account executive.


System Requirements for BOLT$ App
The BOLT$ app is supported on the following smartphone operating systems:

   • Android 6.0 and higher
   • iOS 10.0 and higher

The BOLT$ app is supported on all devices that support these operating systems. The BOLT$ app is
optimized for smartphones but will also work on iPads and Android tablets.

Fingerprint login is supported on an Android device only if the device supports the standard Android
fingerprint authentication API. Login with Face ID® is supported on all Apple devices with Face ID, and
login with Touch ID® is supported on all Apple devices with Touch ID.




© SHAZAM, Inc.                                                                                    Page 4
SHAZAM BOLT$ Reference Guide - SHAZAM BOLT$
SHAZAM BOLT$ Reference Guide                                The SHAZAM Network - September 13, 2018



Authentication and Security
BOLT$ is available to your cardholders with POS-enabled debit cards. If a card can be used to make
purchases, then it’ll work with BOLT$.


Cardholder Authentication
To offer BOLT$ to your cardholders, your financial institution must use one of the following
authentication methods:

   • PIN-based authentication — SHAZAM or your online processor is able to perform PIN
     verification without receiving the Track 2 data located on the magnetic stripe of the card.
   • Plastics-based authentication — This process validates the last four digits of your cardholder’s
     Social Security Number (SSN) with his or her Primary Account Number (PAN) and the expiration
     date of the card.

   Note: This product isn’t supported for ATM-only cards and savings-only cards. Additionally, if a card
         can be used to access more than one demand deposit account (DDA) or savings account, only the
         primary account is available.


Device Security
The BOLT$ app:

   • Certifies a mobile device’s ability to fully encrypt and secure cardholder information.
   • Enables a cardholder to create a unique username and password when signing up to use BOLT$.
   • Allows a cardholder to enable fingerprint login for the cardholder’s BOLT$ user account, if the
     device uses fingerprints for device security.
   • Doesn’t store the cardholder’s password, Social Security number (SSN) or financial institution
     account information on the mobile device.
   • Doesn’t send fingerprint information from the mobile device to SHAZAM.

If your cardholder purchases a new mobile device and / or changes service providers, he or she must
download BOLT$ to the new mobile device from the Apple App Store or Google Play Store.

   Note: Once BOLT$ is downloaded to a new device, the cardholder will log in to the app using his or
         her existing username and password to authenticate the new device. The cardholder can then
         enable fingerprint login, if the device uses fingerprints for device security.

Cardholders must change their password after every 365 days. If a cardholder’s password has not been
changed within the past 365 days, the password expires and fingerprint login is disabled on the
cardholder’s mobile device. When a cardholder logs in to BOLT$ with an expired password, the cardholder
is prompted to change the password before continuing.




© SHAZAM, Inc.                                                                                    Page 5
SHAZAM BOLT$ Reference Guide - SHAZAM BOLT$
SHAZAM BOLT$ Reference Guide                                 The SHAZAM Network - September 13, 2018



Card Registration
At card registration, SHAZAM:

   • Validates the bank identification number (BIN) is eligible for BOLT$ and additional services, such
     as BOLT$ P2P.
   • Validates the card is active and the current card expiration date matches to that on file.
   • Ensures the PAN matches the plastics record.
   • Compares the last four digits of the cardholder’s SSN to the PAN’s plastics record, if applicable.
   • Verifies the PIN via an interactive voice response (IVR) call, if applicable.

   Note: If a cardholder of a non-BOLT$ issuer creates a BOLT$ account to receive money, SHAZAM
         ensures the PAN is the correct number of digits in length, has the correct check digit, and has an
         expiration date in the future.




© SHAZAM, Inc.                                                                                       Page 6
SHAZAM BOLT$ Reference Guide - SHAZAM BOLT$
SHAZAM BOLT$ Reference Guide                                 The SHAZAM Network - September 13, 2018



Cardholder Enrollment
To enroll in BOLT$, follow the steps below.

   Note: These screenshots are from an iPhone. The Android app is similar to the iPhone app in
         appearance and function. The web portal provides similar function to the mobile apps apart from
         mobile-only functions such as text alerts and biometric security.


    Step                                                        Screen

    1. Download BOLT$ for free from the Apple App Store or
       Google Play Store. Or, access the SHAZAM BOLT$ web
       portal (http://bolts.shazam.net/).
    2. Tap Register.




© SHAZAM, Inc.                                                                                    Page 7
SHAZAM BOLT$ Reference Guide - SHAZAM BOLT$
SHAZAM BOLT$ Reference Guide                                    The SHAZAM Network - September 13, 2018




   Step                                                               Screen

   3. Use either of the following methods to enter your card
      number and expiration date:
      •  Tap Capture Card to take a picture of your debit card
         using the device's camera. (The app must have access to
         the device's camera.)
      • Enter the card number and expiration date manually.
      After you enter the card number and expiration date, enable I
      accept Terms & Conditions and tap Next to continue.
      To read the terms and conditions before you accept them, tap
      the Terms & Conditions link to view the Terms &
      Conditions screen. Tap Done on the Terms & Conditions
      screen to continue cardholder enrollment.




© SHAZAM, Inc.                                                                                   Page 8
SHAZAM BOLT$ Reference Guide - SHAZAM BOLT$
SHAZAM BOLT$ Reference Guide                                      The SHAZAM Network - September 13, 2018




   Step                                                                 Screen

   4. Confirm the card is yours by entering additional information
      associated with your card. The information you enter depends
      on your financial institution's BIN settings.
      •   Plastic-based authentication: Enter the last four digits of
          your Social Security number.
      •   PIN-based authentication: Enter a phone number where
          you can be reached now.
      Verify the card number and expiration date and tap Next to
      continue. If the financial institution uses PIN-based
      authentication, an automated system calls the number that you
      entered. When you receive this call, enter the card's PIN when
      prompted.
   Note: If the information that you enter doesn’t match the
          information on file with SHAZAM, you are prompted to
          enter the correct information. If the second attempt is
          unsuccessful, you will not be able to try again until
          midnight.




© SHAZAM, Inc.                                                                                     Page 9
SHAZAM BOLT$ Reference Guide - SHAZAM BOLT$
SHAZAM BOLT$ Reference Guide                                       The SHAZAM Network - September 13, 2018




   Step                                                                  Screen

   5. Enter the following information for the user profile and tap
      Next.
      •   Username
      •   Password, Confirm Password
          Passwords must be between 5 and 32 characters long.
          Passwords must also contain at least one uppercase letter,
          one lowercase letter, one number and one special
          character (!, @, #, $, %, &, or *). Your password expires if
          you do not change it within 365 days.
      •   Primary Email
          The primary email address must be unique. For example, a
          husband and wife who share an email address can
          establish only a single BOLT$ account.
      •   Mobile Number
   Note: An asterisk (*) indicates a mandatory field that needs to be
          entered.




   6. Enter the following details and tap Next.
      •   First Name, MI (Middle Initial), Last Name
      •   Address
      •   City
      •   State
      •   Zip Code




© SHAZAM, Inc.                                                                                     Page 10
SHAZAM BOLT$ Reference Guide                                       The SHAZAM Network - September 13, 2018




   Step                                                                  Screen

   7. Tap Done to return to the login screen. SHAZAM sends you
      an email at your primary email address to confirm that the
      email address is valid.
      Tap the activation link in the email to activate your
      account before you login for the first time.




   If you attempt to log in without tapping the activation link in the
   email, the app prompts you to activate your account before you
   proceed, and SHAZAM sends you another email at your primary
   address with a new activation link. You can log in successfully
   only after tapping the activation link in the latest email from
   SHAZAM.




© SHAZAM, Inc.                                                                                     Page 11
SHAZAM BOLT$ Reference Guide                                      The SHAZAM Network - September 13, 2018



Login
Immediately before and after logging in to BOLT$, you are presented with several options, as described
below.


    Step                                                                Screen

    Before Login
    From the login screen, tap the following options:
       •   Use Face ID, Use Touch ID or Use Fingerprint
           If biometric login is enabled in the app, a button that
           indicates the biometric login type is displayed. Supported
           types of biometric login include Face ID, Touch ID and
           fingerprint login on Android devices.
           A more detailed explanation of these features follows.
       •   Forgot Username
           See Troubleshooting for details.
       •   Forgot Password
           See Troubleshooting for details.
       •   Quick Balance
           A more detailed explanation of this feature follows.
       •   Register (For New Mobile Card User)
           See Cardholder Enrollment for details.
       •   ATM Locator
           See Features for details.
    Select Remember Me to set the device to remember the
    username.
    Disabling Remember Me or entering a different username will
    automatically disable the Quick Balance and biometric login
    features.




© SHAZAM, Inc.                                                                                    Page 12
SHAZAM BOLT$ Reference Guide                                     The SHAZAM Network - September 13, 2018




   Step                                                                Screen

   Biometric login (Face ID, Touch ID or fingerprint)
   Enabling Biometric Login During First Login
   BOLT$ suppors biometric login on devices on which you have
   enabled biometric login (Face ID, Touch ID or fingerprint login
   on Android devices).
   The first time that you use BOLT$ on a device on which
   biometric login is enabled, you must log in with your username
   and password. After you successfully log in, the prompt for the
   supported method of biometric login is displayed.
      •   To enable biometric login in BOLT$, scan your fingerprint
          (for Touch ID or fingerprint security on Android) or your
          face (for Face ID). You might also need to grant
          permission for BOLT$ to use the device’s camera or
          biometric login feature.
       • To continue without enabling biometric login in BOLT$,
          tap Cancel.
   Note: This method for enabling biometric login is available only
         the first time you log in after installation. To enable
         biometric login after the first login, you must log in with
         your username and password and tap Menu > Login
         Preferences.



   Login with Fingerprint (iPhone 8 and below or
   Android)
   If fingerprint login is enabled in the app, the app displays the
   fingerprint prompt automatically when you launch the app. Scan
   your fingerprint to log in with the username that is saved on the
   device, or tap Cancel to sign in with a different username and
   password. If you make three consecutive unsuccessful attempts to
   access the account with a fingerprint, fingerprint login is
   disabled. To enable fingerprint login again, you must log in with
   your username and password and tap Menu > Login
   Preferences.
   If the fingerprint prompt does not display, tap the fingerprint
   button on the login screen (Use Touch ID or Use Fingerprint) to
   access the fingerprint prompt.




© SHAZAM, Inc.                                                                                   Page 13
SHAZAM BOLT$ Reference Guide                                        The SHAZAM Network - September 13, 2018




   Step                                                                   Screen

   Login with Face ID (iPhone X and above)
   If Face ID login is enabled in the app, the app displays the Face
   ID prompt automatically when you launch the app. Scan your
   face to log in with the username that is saved on the device, or tap
   Cancel to sign in with a different username and password.
   If the Face ID prompt does not display automatically, tap Use
   Face ID on the login screen to access the Face ID prompt.




   Quick Balance
   If the Quick Balance feature is enabled on a device, you can tap
   Quick Balance on the login screen to view the balance on all
   cards associated with your BOLT$ account.




© SHAZAM, Inc.                                                                                      Page 14
SHAZAM BOLT$ Reference Guide                                       The SHAZAM Network - September 13, 2018




   Step                                                                  Screen
   The Quick Balance feature shows only cards that are issued by
   BOLT$ financial institutions. If there are no such cards registered
   in your BOLT$ account, Quick Balance displays No eligible
   cards found.




   If the Quick Balance feature is disabled in the app, you cannot see
   the balances for the eligible cards. To enable Quick Balance, log
   in and tap Menu > Login Preferences.




© SHAZAM, Inc.                                                                                     Page 15
SHAZAM BOLT$ Reference Guide                                      The SHAZAM Network - September 13, 2018




   Step                                                                 Screen

   After Login
   After you access the account, the app displays the Cards &
   Balances screen, which is the home screen of the app. You return
   to the Cards & Balances screen whenever you tap Menu >
   Home.
   The Cards & Balances screen displays all cards that are registered
   in the BOLT$ account, even if the cards are from two or more
   financial institutions.
   More details on these options are included in Features.




   When no cards are registered in the BOLT$ account, the Card &
   Balances screen displays no cards.
   Note: If your BOLT$ account doesn’t contain a card, and you
         don’t log in for six months, the account is considered
         dormant and is purged. You must create a new account to
         use BOLT$ again.




© SHAZAM, Inc.                                                                                    Page 16
SHAZAM BOLT$ Reference Guide                                        The SHAZAM Network - September 13, 2018



Features
After enrolling in BOLT$, there are a number of different features you can use.


    Step                                                               Screen

    Menu
    Access the menu by tapping the menu button.




    Your username is displayed on the menu before any menu
    options. The menu options include:
       •   Home
       •   Send Money
       •   Manage Recipient
       •   User Profile
       •   Login Preferences
       •   User Settings
       •   ATM Locator
       •   About
       •   Help
       •   Provide Feedback
       •   Log Out
    Send Money and Manage Recipient are available only if the
    account has at least one card issued by a BOLT$ P2P financial
    institution.




© SHAZAM, Inc.                                                                                      Page 17
SHAZAM BOLT$ Reference Guide                                         The SHAZAM Network - September 13, 2018




   Step                                                                    Screen

   Home — Cards & Balances
   When you tap Menu > Home, the app displays the Card &
   Balances screen.
   The Cards & Balances screen can show the following details for
   each registered card.
      •   Financial institution name
      •   Last four digits of PAN
      •   Available Balance — The amount of money in an
          account that’s available for immediate withdrawal or other
          type of use. It represents the difference between the
          account balance and any activity that hasn’t yet cleared on
          the account (such as pending deposits, checks and
          withdrawals). Financial institutions sometimes put a hold
          on deposited checks to ensure their legitimacy, and the
          holds can last for as much as a week on larger deposits.
       • Ledger Balance — The actual balance on the account at
          the start of the business day. It's the balance that’s printed
          on financial statements. This is the balance that’s used to
          calculate interest payments on interest-bearing accounts.
          It's also the figure that’s used to figure out whether
          balance requirements have been met on certain types of
          accounts. It doesn't include pending activity.
   Note: Please refer to your financial institution’s balance-type
         definitions when discussing this information with
         cardholders.
   BOLT$ displays card balances only for cards issued by a BOLT$
   financial institution. If a card is not issued by a BOLT$ financial
   institution, the Cards & Balances screen displays NA as the
   balance. If you have such a card, you can only receive money on
   the card, change the card’s expiration date or delete the card.
   A card balance is blank if the card is issued by a BOLT$ financial
   institution but the balance is unavailable or can’t be displayed for
   any reason.
   You can tap a card to view Card Actions for that card. You can
   also tap Add Card to add a card to the BOLT$ account.




© SHAZAM, Inc.                                                                                       Page 18
SHAZAM BOLT$ Reference Guide                                     The SHAZAM Network - September 13, 2018




   Step                                                                Screen

   Card Actions
   When you tap a card on the Cards & Balances screen, Card
   Actions are displayed for the card.
   The top of the screen shows detailed information about the card:
      •   Last four digits of PAN
      •   Financial institution logo or name and ABA number
      •   Balance information when available
      •   Valid Thru (expiration date)
   Tap Terms & Conditions to view the terms and conditions that
   are applicable to the card.
   From Card Actions, you can perform the following actions:
      •   Set alerts (if the card issuer subscribes to BOLT$). See
          “Set Alerts/Set Alerts & Blocks” on page 20.
      •   Set blocks (if the card issuer subscribes to BOLT$
          transaction control). See “Set Alerts/Set Alerts & Blocks”
          on page 20.
      •   Send money to other cardholders (if the card issuer
          subscribes to BOLT$ P2P). See “Send Money (BOLT$
          P2P Payments)” on page 25.
      •   Change the card’s expiration date. See “Change
          Expiration Date” on page 24.
      •   Remove the card from the BOLT$ account. See “Remove
          Card” on page 24.




© SHAZAM, Inc.                                                                                   Page 19
SHAZAM BOLT$ Reference Guide                                         The SHAZAM Network - September 13, 2018




   Step                                                                    Screen

   Set Alerts/Set Alerts & Blocks
   You can use BOLT$ to set card activity alerts and to block certain
   types of card activity. Certain features can be used only if the card
   issuer subscribes to these features.
      •   If the card issuer subscribes to BOLT$ but not to BOLT$
          transaction control, Card Actions displays the Set Alerts
          button. Tap this button to view the Set Alerts screen, from
          which you can set alerts for the card.
      •   If the card issuer subscribes to BOLT$ transaction control,
          Card Actions displays the Set Alerts & Blocks button.
          Tap this button to view the Set Alerts & Blocks screen,
          from which you can set alerts and blocks for the card.
   Block-related options are displayed on the Set Alerts & Blocks
   screen but not on the Set Alerts screen. Otherwise, these screens
   are identical.
   Alerts can be sent as emails. If the card issuer subscribes to
   BOLT$ text messaging, text alerts can also be sent as text (SMS)
   messages for all alert types other than BOLT$ notifications.
   Tap the Turn Card Off / On switch to place or remove a
   temporary card block. A temporary card block halts transaction
   activity on a card while an issue is being resolved. For example, a
   temporary card block can be placed on a card if the card is
   misplaced. The Turn Card Off / On switch does not indicate
   whether your financial institution or SHAZAM have placed their
   own card blocks on your card, and you cannot use this switch to
   remove such card blocks from your card.
   You may manage alerts or blocks for the following types of
   activity by tapping the option for that activity:
      •   Transaction over a cardholder-configurable amount
      •   Internet and phone transactions (card-not-present)
      •   Transactions outside the U.S.
   You may manage alerts for the following types of activity by
   tapping the option for that activity:
      •   Suspected fraud alerts (configurable only if your
          institution subscribes to SHAZAM Fraud Management
          Services)
      •   SHAZAM BOLT$ email notifications for BOLT$ account
          setting updates




© SHAZAM, Inc.                                                                                       Page 20
SHAZAM BOLT$ Reference Guide                                       The SHAZAM Network - September 13, 2018




   Step                                                                  Screen

   Set alerts & blocks based on transaction
   amount
   On the Set Alerts screen or the Set Alerts & Blocks screen, tap
   Transaction Amount to manage alerts for purchases that exceed
   a card-specific, user-defined amount. If the card issuer subscribes
   to BOLT$ transaction control, you can also set BOLT$ to block
   purchases that exceed a card-specific, user-defined amount.
   You can receive email alerts at your profile's primary and
   secondary email addresses, which are displayed here. If the card
   issuer subscribes to BOLT$ text messaging, your profile’s mobile
   number is displayed here, and you can receive text (SMS) alerts
   at your profile's mobile number.
   To receive alerts for purchases over a specified amount, enter the
   amount under Alerts and enable the switches for the email
   addresses or mobile number at which you want to receive the
   alerts. If you enable the mobile number switch and tap Submit,
   BOLT$ must verify your mobile number if it has not yet done so.
   For more information about this requirement, see Mobile number
   verification.
   To block purchases over a specified amount, enter the amount
   under Blocks and enable the Blocks switch.
   You can edit the profile’s secondary email address here. If you
   edit the secondary email address, SHAZAM sends you an email
   at the specified secondary email address to confirm that the email
   address is valid. You must tap the activation link in the email
   before the secondary email address change takes effect.

   Mobile number verification
   If you enable text (SMS) message alerts in the app, the app must
   verify that you can receive text messages at your profile’s mobile
   number. Verification is needed only the first time that you enable
   text message alerts. The app will not need to verify your mobile
   number again unless you change your mobile number.
   To verify the mobile number, the app displays the terms and
   conditions for text alerts, and SHAZAM sends a text message
   with an activation code to your mobile number. Review the terms
   and conditions, enter the activation code into the app when
   prompted, and tap Submit.




© SHAZAM, Inc.                                                                                     Page 21
SHAZAM BOLT$ Reference Guide                                      The SHAZAM Network - September 13, 2018




   Step                                                                 Screen

   Set alerts & blocks based on internet & phone
   transactions
   On the Set Alerts screen or the Set Alerts & Blocks screen, tap
   Internet & Phone Transactions to manage alerts for internet
   and phone purchases using the card. If the card issuer subscribes
   to BOLT$ transaction control, you can also set BOLT$ to block
   internet and phone purchases using the card.
   You can receive email alerts at your profile's primary and
   secondary email addresses, which are displayed here. If the card
   issuer subscribes to BOLT$ text messaging, your profile’s mobile
   number is displayed here, and you can receive text (SMS) alerts
   at your profile's mobile number.
   To receive alerts for internet and phone purchases, enable the
   switches for the email addresses or mobile number at which you
   want to receive the alerts. If you enable the mobile number switch
   and tap Submit, BOLT$ must verify your mobile number if it has
   not yet done so. For more information about this requirement, see
   Mobile number verification.
   To block internet and phone purchases, enable the Blocks switch.
   You can edit the profile’s secondary email address here. If you
   edit the secondary email address, SHAZAM sends you an email
   at the specified secondary email address to confirm that the email
   address is valid. You must tap the activation link in the email
   before the secondary email address change takes effect.

   Set alerts & blocks based on transactions
   outside U.S.
   On the Set Alerts screen or the Set Alerts & Blocks screen, tap
   Transactions Outside U.S. to manage alerts for purchases made
   outside the United States using the card. If the card issuer
   subscribes to BOLT$ transaction control, you can also set the
   BOLT$ to block purchases made outside the United States using
   the card.
   You can receive email alerts at your profile's primary and
   secondary email addresses, which are displayed here. If the card
   issuer subscribes to BOLT$ text messaging, your profile’s mobile
   number is displayed here, and you can receive text (SMS) alerts
   at your profile's mobile number.
   To receive alerts for purchases made outside the U.S., enable the
   switches for the email addresses or mobile number at which you
   want to receive the alerts. If you enable the mobile number switch
   and tap Submit, BOLT$ must verify your mobile number if it has
   not yet done so. For more information about this requirement, see
   Mobile number verification.
   To block purchases made outside the U.S., enable the Blocks
   switch.
   You can edit the profile’s secondary email address here. If you
   edit the secondary email address, SHAZAM sends you an email
   at the specified secondary email address to confirm that the email
   address is valid. You must tap the activation link in the email
   before the secondary email address change takes effect.




© SHAZAM, Inc.                                                                                    Page 22
SHAZAM BOLT$ Reference Guide                                      The SHAZAM Network - September 13, 2018




   Step                                                                 Screen

   Set alerts based on suspected fraud alerts
   On the Set Alerts screen or the Set Alerts & Blocks screen, tap
   Suspected Fraud Alerts to manage alerts for suspected
   fraudulent purchases made using the card. (These alerts are
   available only if the card issuer subscribes to SHAZAM Fraud
   Management Services.)
   You always receive suspected fraud alerts at your profile’s
   primary email address. You can choose to receive email alerts at
   your profile's secondary email address. For reference, your
   profile’s primary and secondary email addresses are displayed
   here. If the card issuer subscribes to BOLT$ text messaging, your
   profile’s mobile number is displayed here, and you can receive
   text (SMS) alerts at your profile's mobile number.
   To receive alerts for suspected fraudulent purchases at your
   profile’s secondary email address or mobile number, enable the
   switches for the secondary email address or mobile number. If
   you enable the mobile number switch and tap Submit, BOLT$
   must verify your mobile number if it has not yet done so. For
   more information about this requirement, see Mobile number
   verification.
   You can edit the profile’s secondary email address here. If you
   edit the secondary email address, SHAZAM sends you an email
   at the specified secondary email address to confirm that the email
   address is valid. You must tap the activation link in the email
   before the secondary email address change takes effect.

   Set alerts for SHAZAM BOLT$ notifications
   On the Set Alerts screen or the Set Alerts & Blocks screen, tap
   SHAZAM BOLT$ Notifications to manage alerts for BOLT$
   account setting updates.
   You can receive email alerts at your profile's primary and
   secondary email addresses, which are displayed here.
   To receive alerts for BOLT$ account setting updates, enable the
   switches for the email addresses at which you want to receive the
   alerts.
   You can edit the profile’s secondary email address here. If you
   edit the secondary email address, SHAZAM sends you an email
   at the specified secondary email address to confirm that the email
   address is valid. You must tap the activation link in the email
   before the secondary email address change takes effect.




© SHAZAM, Inc.                                                                                    Page 23
SHAZAM BOLT$ Reference Guide                                     The SHAZAM Network - September 13, 2018




   Step                                                               Screen

   Change Expiration Date
   If you are reissued a debit card with a new expiration date, and
   the debit card isn’t a SHAZAMChek card, you must change the
   expiration date of the card manually before it expires.
   To change the expiration date of a card:
   1. Tap the card on the Cards & Balances screen.
   2. Tap Change Expiration Date under Card Actions
   3. Enter the new expiration date and tap Submit.
   The expiration dates of SHAZAMChek cards are updated
   automatically after card activation, although you might need to
   wait until the next day for the update to take effect.




   Remove Card
   To remove a card from your BOLT$ account:
   1. Tap the card on the Cards & Balances screen.
   2. Tap Remove Card under Card Actions.
   3. Tap Confirm.




© SHAZAM, Inc.                                                                                   Page 24
SHAZAM BOLT$ Reference Guide                                     The SHAZAM Network - September 13, 2018




   Step                                                              Screen

   Send Money (BOLT$ P2P Payments)
   Send Money To New Recipient
   If your financial institution is enrolled in BOLT$ P2P, you can
   send money to other BOLT$ users. If you have not yet sent a
   BOLT$ P2P payment to a specific recipient, follow these steps.
   To send a BOLT$ P2P payment to a new recipient:
   1. Complete one of the following actions:
      •   From the Cards & Balances screen, tap the card from
          which you want to send money, then tap Send Money
          under Card Actions. The Send Money screen is displayed.
      •   Tap Menu > Send Money, then tap Choose Card and
          select the card from which you want to send money.
   2. Tap Add New Recipient. The Choose Existing Recipient
      field becomes the New Recipient field.




© SHAZAM, Inc.                                                                                   Page 25
SHAZAM BOLT$ Reference Guide                                       The SHAZAM Network - September 13, 2018




   Step                                                                  Screen

   3. Enter the new recipient’s email address into New Recipient
      and tap Next.
      BOLT$ verifies whether the email address is registered to an
      existing BOLT$ account with a valid, active card.
      •   If the recipient is registered - BOLT$ uses the existing
          BOLT$ account and continues to the next step.
      •   If the recipient is not registered - An error prompt is
          displayed. When you tap OK, BOLT$ sends a registration
          request email to the email address you entered, inviting
          the recipient to register for BOLT$ and enroll a card to
          receive money.

          The invitation email gives the recipient a deadline of five
          days to register. On the fourth day, a reminder email is
          sent.

          If the recipient registers - You receive an email stating
          the payment can be initiated. Log in to the app and re-start
          this procedure again from the beginning.
          If the recipient doesn’t register - You receive an email
          stating the recipient has not registered. The payment can’t
          be completed.


   4. Enter a new nickname for the recipient and the amount to
      send to the recipient. A minimum amount of $1 is required.
      Enter the amount as dollars and cents without a decimal. For
      example, to send $15 enter 1500.
      You can also enter an optional comment about the transaction.
      For example, you can state what the money is for.
   Note: The receiver will see the memo in the email that he or she
          receives. The character limit for the memo is 200.
          If your financial institution charges a fee to send a
          payment, the fee does not count toward your maximum
          BOLT$ P2P daily limit.
   5. Tap Next.




© SHAZAM, Inc.                                                                                     Page 26
SHAZAM BOLT$ Reference Guide                                      The SHAZAM Network - September 13, 2018




   Step                                                                 Screen

   6. Complete the remaining fields on the Review & Send screen
      and tap Send.
      •   You must enter a recipient nickname for a new recipient.
          The nickname can be the recipient’s real name or a name
          the user calls the recipient.
      •   If the payment amount is over the PIN-threshold amount
          limit, you are required to enter a callback telephone
          number. When you tap Send, an automated system will
          call the number that you enter. When you receive this call,
          enter the card's PIN when prompted.




© SHAZAM, Inc.                                                                                    Page 27
SHAZAM BOLT$ Reference Guide                                    The SHAZAM Network - September 13, 2018




   Step                                                               Screen

   7. After you tap Send, the confirmation screen is displayed. The
      screen summarizes the transaction that’s just been completed.
      Both parties will receive an email confirmation of the BOLT$
      P2P payment.




© SHAZAM, Inc.                                                                                  Page 28
SHAZAM BOLT$ Reference Guide                                      The SHAZAM Network - September 13, 2018




   Step                                                               Screen

   Send Money To Existing Recipient
   If your financial institution is enrolled in BOLT$ P2P, you can
   send money to other BOLT$ users. Follow these steps to send a
   BOLT$ P2P payment in either of the following cases:
      •   You have previously sent a BOLT$ P2P payment to the
          intended recipient.
      •   You used BOLT$ to send a registration request email to
          the intended recipient, and you received an email stating
          that the recipient accepted the request and completed
          registration.
   If you have not yet sent a BOLT$ P2P payment to a recipient,
   follow the steps under “Send Money To New Recipient” on
   page 25.
   To send a BOLT$ P2P payment to an existing recipient:
   1. Complete one of the following actions:
      •   From the Cards & Balances screen, tap the card from
          which you want to send money, then tap Send Money
          under Card Actions. The Send Money screen is displayed.
      •   Tap Menu > Send Money, then tap Choose Card and
          select the card from which you want to send money.
   2. Tap Choose Existing Recipient. A list of active and inactive
      users is displayed. Only active users can receive money.
      Inactive users do not have a valid card registered within
      SHAZAM BOLT$, so they cannot receive money.




© SHAZAM, Inc.                                                                                    Page 29
SHAZAM BOLT$ Reference Guide                                     The SHAZAM Network - September 13, 2018




   Step                                                               Screen

   3. Tap the recipient and tap Next.




   4. Enter the amount to send to the recipient. A minimum amount
      of $1 is required. Enter the amount as dollars and cents
      without a decimal. For example, to send $15 enter 1500.
      You can also enter an optional comment about the transaction.
      For example, you can state what the money is for.
   Note: The receiver will see the memo in the email that he or she
         receives. The character limit for the memo is 200.
         If your financial institution charges a fee to send a
         payment, the fee does not count toward your maximum
         P2P daily limit.
   5. Tap Next.




© SHAZAM, Inc.                                                                                   Page 30
SHAZAM BOLT$ Reference Guide                                     The SHAZAM Network - September 13, 2018




   Step                                                               Screen

   6. Review the payment information on the Review & Send
      screen and tap Send.

      If the payment amount is over the PIN-threshold amount
      limit, you are required to enter a callback telephone number.
      When you tap Send, an automated system will call the
      number that you enter. When you receive this call, enter the
      card's PIN when prompted.




© SHAZAM, Inc.                                                                                   Page 31
SHAZAM BOLT$ Reference Guide                                      The SHAZAM Network - September 13, 2018




   Step                                                                 Screen

   7. When you tap Send, the confirmation screen is displayed. The
      screen summarizes the transaction that’s just been completed.
      Both parties will receive an email confirmation of the P2P
      payment.




   Manage Recipient
   If your financial institution subscribes to the BOLT$ P2P service,
   the following options are available when you tap Menu >
   Manage Recipient:
      •   Add Recipient
      •   Edit Recipient
      •   Delete Recipient




© SHAZAM, Inc.                                                                                    Page 32
SHAZAM BOLT$ Reference Guide                                      The SHAZAM Network - September 13, 2018




   Step                                                                Screen

   Add Recipient
   To add a P2P payment recipient:
   1. Tap Menu > Manage Recipient.
   2. Tap Add Recipient.
   3. Enter an email address and a nickname for the recipient. The
        nickname can be the recipient’s real name or a name the user
        calls the recipient.
   4. Tap Add.




   Edit Recipient
   To change the nickname of a P2P payment recipient:
   1.   Tap Menu > Manage Recipient.
   2.   Tap Edit Recipient.
   3.   Select the recipient whose nickname you want to change.
   4.   Edit the nickname as desired and tap Submit.




© SHAZAM, Inc.                                                                                    Page 33
SHAZAM BOLT$ Reference Guide                                        The SHAZAM Network - September 13, 2018




   Step                                                                   Screen

   Delete Recipient
   To delete a P2P payment recipient:
   1.   Tap Menu > Manage Recipient.
   2.   Tap Delete Recipient.
   3.   Select the recipient to delete.
   4.   Tap Delete.




   User Profile
   You can update your BOLT$ user profile information (such as
   name, address, mobile number, and email addresses).
   If you change any of the information in your user profile, an
   email is sent to your primary email address to confirm the
   change.
   If you change either of your profile’s email addresses, an
   activation email is sent to the changed email addresses. You must
   tap the link in the activation email before the change takes effect.
   When the change takes effect, BOLT$ disables any alerts that go
   to your email addresses apart from alerts that always go to your
   primary email address (such as user profile change alerts and
   suspected fraud alerts). To continue to receive those alerts, you
   must re-enable the alerts.
   If you change your mobile number, BOLT$ disables any text
   alerts that go to your mobile number. To continue to receive those
   alerts, you must re-enable the alerts. You must also verify your
   new mobile number the first time that you enable text alerts in the
   app.
   To update your BOLT$ user profile information:
   1. Tap Menu > User Profile.
   2. Change the information in your user profile and tap Save.




© SHAZAM, Inc.                                                                                      Page 34
SHAZAM BOLT$ Reference Guide                                        The SHAZAM Network - September 13, 2018




   Step                                                                   Screen

   Login Preferences
   Tap Menu > Login Preferences to view the Login Preferences
   screen. Use the settings on this screen to set login preferences for
   the mobile app.
      •   Enable Quick Balance to view the current account
          balances without having to log in. A user must enable
          Remember Me to use Quick Balance.
      •   Enable Remember Me so that the device remembers the
          username.
      •   Enable Log In with Fingerprint or Log In with Face ID
          to use biometric login to access the app. The name of this
          option depends upon the type of biometric login that is
          available on the device (fingerprint for Touch ID and
          Android devices, Face ID for Face ID devices). You must
          enable biometric login on the device before you can
          enable biometric login in the app. Also, you must enable
          Remember Me to use this option.




   Quick Balance
   When you enable Quick Balance in the BOLT$ app, the app
   allows users of the device to view account balances without
   having to log into the app. Only the balances of cards issued by
   BOLT$ financial institutions can be viewed using Quick Balance.
   Enabling this option also enables Remember Me because
   Remember Me is required for this option.
   When you enable this feature on the Login Preferences screen,
   the app displays a prompt to explain what this feature does. Tap
   OK to close the prompt.




© SHAZAM, Inc.                                                                                      Page 35
SHAZAM BOLT$ Reference Guide                                     The SHAZAM Network - September 13, 2018




   Step                                                               Screen

   Remember Me
   When you enable Remember Me in the BOLT$ app, the app
   remembers the current authenticated username. The next time
   that you log into BOLT$, the app fills in the Username field on
   the login screen with this username.
   Remember Me is required for Quick Balance and for any type of
   biometric login (Face ID, Touch ID, or fingerprint login on
   Android). If you disable Remember Me on the Login
   Preferences screen, the app displays a confirmation dialog to
   notify the user that these features will be disabled. Tap OK to
   disable Remember Me or Cancel to return to the Login
   Preferences screen without disabling Remember Me.
   This confirmation dialog is not displayed if you disable
   Remember Me on the login screen.




   Log In with Face ID/Fingerprint
   Enable Log In with Fingerprint or Log In with Face ID on the
   Login Preferences screen to enable biometric login in the app.
   The name of this option depends upon the type of biometric login
   that is available on the device (fingerprint for Touch ID and
   Android devices, Face ID for Face ID devices). You must enable
   biometric login on the device before you can enable biometric
   login in the app. Also, enabling this option also enables
   Remember Me because Remember Me is required for this
   option.
   When you enable this feature on the Login Preferences screen,
   the app displays a prompt to explain what this feature does. Tap
   OK to close the prompt.




© SHAZAM, Inc.                                                                                   Page 36
SHAZAM BOLT$ Reference Guide                                     The SHAZAM Network - September 13, 2018




   Step                                                               Screen

   User Settings
   Tap Menu > User Settings to view the User Settings screen.
   From the User Settings screen, you can:
      •   Select P2P receive card
      •   Change password
      •   Add card
      •   Delete BOLT$ account




   Select Receive Card
   By default, the BOLT$ app selects the first card you add to the
   service as the “receive” card for P2P payments. Any money that
   you receive through the P2P service is added to the primary
   account of the “receive” card. However, you can change the card
   that receives P2P payments if you have two or more cards in your
   BOLT$ account.
   To change the “receive” card for P2P payments:
   1. Tap Menu > User Settings.
   2. Tap Select Receive Card on the User Settings screen. The
      app displays the Your Receive Card screen with details about
      the current “receive” card:
      •   Last four digits of PAN
      •   Financial institution name and ABA number
      •   Balance information when available
      •   Card Status (whether the card is blocked)
      •   Valid Thru (expiration date)
   3. Select the new “receive” card in Change Receive Card and
      tap Submit.




© SHAZAM, Inc.                                                                                   Page 37
SHAZAM BOLT$ Reference Guide                                      The SHAZAM Network - September 13, 2018




   Step                                                               Screen

   Change Password
   The cardholder can update his or her password at any time by
   following the steps below.
   Note: You are prompted to change your password if you log in
         with a password that has not been changed for 365 days.
   1. Tap Menu > User Settings.
   2. Tap Change Password.
   3. Enter the current password and the new password and tap
      Submit.
   Note: Passwords must be between 5 and 32 characters long.
         Passwords must also contain at least one uppercase letter,
         one lowercase letter, one number and one special character
         (!, @, #, $, %, &, or *). Your password expires if you do
         not change it within 365 days.
         You are sent an email at your profile’s primary email
         address every time a change is made to your password.




© SHAZAM, Inc.                                                                                    Page 38
SHAZAM BOLT$ Reference Guide                                     The SHAZAM Network - September 13, 2018




   Step                                                                Screen

   Add Card
   You can add cards to your BOLT$ account.
   1. Access the card wizard using either of the following methods:
      •   Tap Menu > User Settings, and then tap Add Card
          button on the User Settings screen.
      •   Tap Add Card on the Cards & Balances screen.
   2. Enter your card number and expiration date using either of the
      following methods:
      •   Tap Capture Card to take a picture of your debit card
          using the device's camera. (The app must have access to
          the device's camera.)
      •   Enter the card number and expiration date manually.
   3. After you enter the card number and expiration date, enable I
      accept Terms & Conditions and tap Next to continue.
      To read the terms and conditions before you accept them, tap
      the Terms & Conditions link to view the Terms &
      Conditions screen. Tap Done on the Terms & Conditions
      screen to continue card enrollment.




© SHAZAM, Inc.                                                                                   Page 39
SHAZAM BOLT$ Reference Guide                                     The SHAZAM Network - September 13, 2018




   Step                                                              Screen

   4. After the card’s eligibility for BOLT$ is confirmed, you can
      review a list of what you can do with the card in BOLT$.
      Click Next to continue.




© SHAZAM, Inc.                                                                                   Page 40
SHAZAM BOLT$ Reference Guide                                      The SHAZAM Network - September 13, 2018




   Step                                                                 Screen

   5. Confirm that the card is yours by entering additional
      information associated with your card. The information that
      you enter depends on your financial institution's BIN settings.
      •   Plastic-based authentication: Enter the last four digits of
          your Social Security number.
      •   PIN-based authentication: Enter a phone number where
          you can be reached now.
      Verify the card number and expiration date and tap Next to
      continue. If the financial institution uses PIN-based
      authentication, an automated system calls the phone number
      you entered. When you receive this call, enter the card's PIN
      when prompted.
   Note: If the information that you enter doesn’t match the
          information on file with SHAZAM, you are prompted to
          enter the correct information. If the second attempt is
          unsuccessful, you will not be able to try again until
          midnight.




© SHAZAM, Inc.                                                                                    Page 41
SHAZAM BOLT$ Reference Guide                                      The SHAZAM Network - September 13, 2018




   Step                                                               Screen

   6. To change the “receive” card for P2P payments, select the
      card under Change Receive Card and tap Submit.




   Delete BOLT$ Account
   You can delete your BOLT$ account entirely.
   You cannot recover your account information after you delete it.
   Before you delete your account, ensure that there are no longer
   any blocks that are set up for any cards on the account. If you
   delete your account while blocks are active, you must contact
   your financial institution to remove those blocks.
   To delete your BOLT$ account entirely:
   1. Tap Menu > User Settings.
   2. Tap Delete BOLT$ Account on the User Settings screen.
   3. Enter your password and tap Submit.




© SHAZAM, Inc.                                                                                    Page 42
SHAZAM BOLT$ Reference Guide                                          The SHAZAM Network - September 13, 2018




   Step                                                                     Screen

   ATM Locator
   Tap Menu > ATM Locator. If the GPS location service is
   enabled on your device, the screen will pinpoint your current
   location with a red location bubble.
   You can pinch the screen to shrink the image and view all ATMs
   within a three-mile radius or select the list button on the right side
   of the screen to access a list of ATMs in the immediate area.




   You can also tap the search function (indicated with a magnifying
   glass) and enter the location to which you will be traveling.
   If there is more than one city with the same name, you will be
   presented with a drop-down list to select the appropriate location.
   The locator shows all ATMs within a three-mile radius of the
   specified location




© SHAZAM, Inc.                                                                                        Page 43
SHAZAM BOLT$ Reference Guide                                 The SHAZAM Network - September 13, 2018




   Step                                                            Screen

   About
   Tap Menu > About to view the About screen. The About screen
   shows the BOLT$ app version number and details about what the
   app does.




   Help
   Tap Menu > Help to view the Help screen. The Help screen
   shows the BOLT$ app version number and detailed information
   about how to use the app.




© SHAZAM, Inc.                                                                               Page 44
SHAZAM BOLT$ Reference Guide                                    The SHAZAM Network - September 13, 2018




   Step                                                            Screen

   Feedback
   Tap Menu > Provide Feedback to enter comments to send to
   SHAZAM about the app. Enter any comments that you have and
   tap Submit to send.




   Log Out
   Exit the application by tapping Menu > Log Out and tapping
   Log Out to confirm.




© SHAZAM, Inc.                                                                                  Page 45
SHAZAM BOLT$ Reference Guide                                The SHAZAM Network - September 13, 2018



Troubleshooting
SHAZAM BOLT$ has an intuitive design and offers your cardholders self-service options for resolving
many common problems. The information below will help you answer cardholder questions.


Card Use When a Card is Blocked
Temporary Card Blocks (TCBs) placed using BOLT$ transaction control work the same way they do when
your financial institution places a TCB. In addition to transactions not working, some of the features of
SHAZAM BOLT$ and SHAZAM P2P won’t be available. The lists below describe what actions are
available and unavailable to you when your card is blocked:

    You can...                                         You can’t...
       •   Get alert settings                          SHAZAM BOLT$ Functions
       •   Manage alerts                                 • Use the Forgot Password function
       •   Add or remove a card                          • Get balances using SHAZAM BOLT$
                                                         • Add a new device
                                                         • Send money
                                                       Other Functions
                                                          • Complete monetary transactions (for example:
                                                             purchases, withdrawals, deposits, etc.)
                                                          • Get balances at ATMs
                                                          • Select a PIN using Easy PIN
                                                          • Activate a card




© SHAZAM, Inc.                                                                                    Page 46
SHAZAM BOLT$ Reference Guide                                 The SHAZAM Network - September 13, 2018



Forgot Username
You can request your username by following the steps mentioned below.

   Steps                                                   Screen

   1. From the login screen, tap Forgot Username.
   2. Enter your profile’s primary email address and tap
       Submit. An email with your username is sent to
       your profile’s primary email address.




© SHAZAM, Inc.                                                                               Page 47
SHAZAM BOLT$ Reference Guide                                    The SHAZAM Network - September 13, 2018



Forgot Password
To request a temporary password you can follow the steps mentioned below:

    Steps                                                     Screen

    1. From the login screen, tap Forgot Password.
    2. Enter your username and tap Submit. An email
       with a temporary password is sent to your profile’s
       primary email address.
    3. Tap OK to return to the login screen.
    4. Copy the temporary password from the email that
       was sent to your profile’s primary email address.
    5. Enter your username and temporary password on
       the login screen and tap Sign In.
    6. The screen will display steps for you to change your
       password immediately. When you change your
       password, enter the temporary password again as
       the current password.
    Note: Passwords must be between 5 and 32 characters
          long. Passwords must also contain at least one
          uppercase letter, one lowercase letter, one
          number and one special character (!, @, #, $, %,
          &, or *). Your password expires if you do not
          change it within 365 days.
          You are sent an email at your profile’s primary
          email address every time a change is made to
          your password.



Handling Hot-Card Situations
If a SHAZAM BOLT$ account has only one card registered and the status of that card is changed to hot,
the cardholder must register a new PAN to his or her existing account or create a new account. The
following are descriptions of various scenarios, followed by a table of what will occur:

   • Hot-Card/Knows Password— The only card attached to the user’s SHAZAM BOLT$ account is
     hot-carded, but he or she knows the password and is logging in with a device that’s previously been
     registered.
   • Hot-Card/Forgot Password — The only card attached to the user’s SHAZAM BOLT$ account is
     hot-carded, and the user has also forgotten his or her password.
   • Hot-Card/Device Needs Registering — The only card attached to the user’s SHAZAM BOLT$
     account is hot-carded, and the user is trying to access his or her account on a device that hasn’t been
     registered.




© SHAZAM, Inc.                                                                                      Page 48
SHAZAM BOLT$ Reference Guide                                    The SHAZAM Network - September 13, 2018




   Hot-Carding Scenarios and Steps for Cardholders
   Hot-Card/Knows                       Hot-Card/Forgot                       Hot-Card/Device Needs
   Password                             Password                              Registering

   1. Log in to SHAZAM BOLT$ on 1. Access the SHAZAM BOLT$                    1. You attempt to log into
      a registered device.                 app and tap Forgot Password.          SHAZAM BOLT$ using an
                                                                                 unregistered device.
   2. Add the new PAN.                  2. Retrieve temporary password
                                                                                 The account is deleted, and the
                                           from email.
   Note: You must add the new PAN                                                app displays an alert prompt.
         before deleting the old PAN    3. Enter the username and                An email is sent to you saying,
         to avoid deleting the entire      temporary password into the           “Your SHAZAM BOLT$
         account.
                                           SHAZAM BOLT$ app.                     account has been deleted
                                           The account is deleted, and the       because the remaining card on
   3. Delete old/hot PAN.                  app displays an alert prompt.         file was considered a hot-card.”
                                           An email is sent to you saying,       The possible reasons for the
                                           “Your SHAZAM BOLT$                    hot-carding are then listed.
                                           account has been deleted
                                                                              2. Create a new SHAZAM BOLT$
                                           because the remaining card on
                                                                                 account and register your new
                                           file was considered a hot-card.”
                                                                                 PAN.
                                           The possible reasons for the
                                           hot-carding are then listed.
                                        4. Create a new SHAZAM BOLT$
                                           account and register your new
                                           PAN.




© SHAZAM, Inc.                                                                                             Page 49
SHAZAM BOLT$ Reference Guide                                      The SHAZAM Network - September 13, 2018



On-Screen Error Messages
The following table describes how to troubleshoot SHAZAM BOLT$ error messages.

   On-screen Error Messages
   If the screen message states . . .                 It indicates . . .
   Account locked.                                    You are locked out of SHAZAM BOLT$ and must contact
                                                      your financial institution for assistance.
                                                         •   Card number—Lock occurs after two failed
                                                             attempts during user registration. You will be able to
                                                             try again after midnight.
                                                         •   User—After registration, you may be locked out
                                                             following four attempts to log in. To unlock your
                                                             account, tap Forgot Password on the Cards &
                                                             Balances screen and follow the instructions.

   Cannot add card information at this time. Please   Your financial institution has blocked you from enrolling
   contact your financial institution or enter        your in any SHAZAM BOLT$ accounts. (Financial
   another card.                                      institutions can do this by using the Manage SHAZAM
                                                      BOLT$ button in SHAZAM Access.)

   Card is not currently eligible.                    Your financial institution isn’t currently enrolled in the
                                                      service.

   Card is not eligible to send money.                Your financial institution has blocked you from initiating
                                                      P2P Send Money transactions. (Financial institutions can do
                                                      this by using the Manage SHAZAM BOLT$ button in
                                                      SHAZAM Access.)

   Invalid format, please try again.                  You entered alpha or special characters instead of digits (for
                                                      example: when entering card number or expiration date).

   Invalid username.                                  You incorrectly entered your username and should try
                                                      entering again.

   Lost connection.                                   Try to perform the function at a later time.

   Maximum invalid attempts exceeded. Please          You have exceeded the maximum attempts to correctly log in
   contact your financial institution.                to SHAZAM BOLT$.

   New password does not meet minimum                 You aren’t creating a strong password. Passwords must be
   requirements.                                      between 5 and 32 characters, and include a mix of uppercase
                                                      and lowercase letters, numbers and special characters.
                                                      Passwords are case sensitive.

   New passwords do not match.                        The passwords entered into the Password and Confirm
                                                      Password fields don’t match.

   PAN not valid.                                     Card has either a temporary card block or hot status.

   Passwords entered do not match.                    The passwords entered into the Password and Confirm
                                                      Password fields don’t match.

   The activation code you entered has expired.       Repeat the process to enable text message alerting.
   Please re-enable this alert to receive a new
   activation code.

   The activation code you entered is incorrect;      Use the most current 6-digit activation code received.
   please re-enter the mobile number to receive a
   new activation code.



© SHAZAM, Inc.                                                                                                 Page 50
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