montana farmers market electronic benef its transfer
TRANSCRIPT
Montana Farmers Market Electronic Benef its Transfer Manual
How to Accept SNAP Benef i ts at Your Farmers Market
Farmers Market
EBTProgram
Eat F res h - Healthy - Local
This manual was written collaboratively by the Alternative Energy Resources Organization, the Community Food and Agriculture Coalition, and the National Center for Appropriate Technology. The Farmers Market EBT Pilot Project was made possible through a grant from the Montana Departmentof Health and Human Services. For more information or to receive a copy of this manual contact Tammy Hinman, NCAT agriculture specialist, at (406) 494-4572 or [email protected]
Table of Contents
Why accepting SNAP and debit and credit cards at your market is a win-win situation .............................................. 4
Market manager checklist for accepting SNAP benef its at your farmers market ..................................................................... 5
How to a start a farmers market EBT project ............................ 6
Getting authorized as a SNAP retailer ....................................... 7
Setting up the point of sale machine and token system ........ 8
Market day procedures .................................................................. 10
Accounting procedures ................................................................. 13
Vendor education ............................................................................ 14
Outreach .............................................................................................. 16
How to fund a farmers market SNAP program ...................... 18
References ........................................................................................... 18
Success stories ................................................................................... 19
Further resources ............................................................................. 20
Appendix 1: Third-party service provider spreadsheet ....... 21
Appendix 2: EBT Food Stamp pilot budget sample ............ 23
Appendix 3: Sample vendor token redemption forms ....... 24
Appendix 4: Vendor introduction sheet .................................. 26
Appendix 5: Accounting sheet samples ................................. 27
Appendix 6: Sample press release ............................................. 30
Appendix 7: Vendor crib sheet – Farmers market nutrition programs ...........................................31
All photos courtesy of Katie Knight, photographer for AERO, www.katieknight.net.
How to Accept SNAP Benef its at Your Farmers Market
Montana Farmers Market Electronic Benef its Transfer Manual: How to Accept SNAP Benef its at Your Farmers Market!
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EBT, SNAP, Food Stamps … What Do These Terms Mean?SNAP is the new name for Food Stamp benefi ts. It stands for the Supplemen-tal Nutrition Assistance Program. The benefi ts for SNAP are now issued via card. In Montana, this card is the Access card. The cards help reduce social stigma that was once associated with the paper Food Stamp program.
Cards are just like a credit card and used at stores through swipe machines called an Electronic Benefi t Transfer, or EBT, system.
A point of sale device allows this trans-action to take place. Most farmers mar-kets use some form of point of sale (POS) device to swipe SNAP cards. A farmers market can purchase a device that also accepts debit and credit cards.
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If you decide to use a wireless POS machine, be sure to note that on your FNS application with the understanding that you will be responsible for paying or leveraging the cost of the third-party pro-cessor. Otherwise, the Montana FNS will send you a free landline EBT-only machine. Always check to be sure your farmers market location receives wireless service before purchasing a wireless machine. This can be done by checking your cell phone reception at the market site. If you have service, you will have wireless reception for your POS machine.
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Tokens are not interchangeable. SNAP tokens cannot be used as change for debit and credit tokens. No change can be given for SNAP tokens, so NO CHANGE GIVEN should be printed on each SNAP token.
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The Helena Farmer’s Market pays a person to tend the market kiosk each week. The salary is funded with vendor fees. This person does accounting and transaction proce-dure on a laptop computer during the market’s slow times. When the market ends, the staff person is fi nished for the week. Market man-ager Brent Sarchet says, “Having a friendly helpful person running the EBT booth is a must.”
The Gallatin Valley Farmers Market has paid staff who also serve other functions at the market. Kristi Wetch, Gallatin Valley Farmers Market, says “We have three trained staff who swipe the customer’s card and ask them how much they want deducted from their account. They then give the client that amount in tokens and notify them that the tokens can be spent only at our market for that particular season.”
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Before beginning the program at your market, be sure each participating vendor receives the following:
• Vendor information sheet
• Vendor token redemption envelope
• We Accept Food Stamps sign for the booth or table
• We accept Visa/MasterCard sign, if applicable
• A list of eligible and ineligible purchases
Samples of some of these sheets are available in the Appendices.
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These products ARE ELIGIBLE to be purchased with EBT tokens: • Produce
• Dairy products
• Meat
• Wrapped baked goods
• Wrapped cold sandwiches
• Vegetable or herb seeds or bedding plant
These products are NOT ELIGIBLE for purchase with EBT tokens: • Alcohol
• Tobacco
• Pet food
• Any non-food item
• Any food served hot such as coff ee or tea drinks
• Any prepared food item meant to be eaten on-site, such as ice cream bars, hot dogs, burritos, cinnamon rolls and more
Vendor testimonials“The EBT, WIC, and Senior Programs are particularly important to us because they introduce new people to the market and promote local food systems, and provide access to fresh nutritious food for people that need it.” – Helena Farmers Market Vendor
“The Food Stamp (EBT token) worked well for us. It was very easy. Same with debit and credit tokens. Between the two it was about 8 percent of our business.” –Clark Fork Farmers Market vendor
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Montana Farmers Market Electronic Benef its Transfer Manual: How to Accept SNAP Benef its at Your Farmers MarketDE
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Montana Farmers Market Electronic Benef its Transfer Manual: How to Accept SNAP Benef its at Your Farmers Market DB
Food Stamp and Debit Service Wireless Third Party Processor Options
Start-up costs:
Big Sky Commerce 406-327-0611
CardService Intnl800-456-5989
Paymentech 800-824-4313
TMC888-249-9919
Frontline866-651-3068
We Win Enterprises 579-5621
Machine cost $1,395 $800 $890 $949 $840 $600
Activation fee $99 $0 $35 $0 $100 $100
Pin pad cost for debit $109
Total start-up costs $1,494 $800 $925 $1,058 $940 $700
Variable costs:
Debit-Avg # of transactions per market
20
Credit-Avg # transactions per market
15
EBT - Avg # of transactions per market
10
Debit transaction fee
$0.21 $0.25 $0.20 $0.22 $0.20 $0.15
Credit transaction fee
$0.21 $0.25 $0.20 $0.22 $0.20 $0.15
EBT transaction fee
$0.20 $0.18 $0.20 $0.20 $0.20 $0.15
Debit costs/ market - includes percentage fees
$7.35 $8.45 $6.04 $7 $5.56 $4.80
Credit costs/ market
$5.51 $6.34 $5.07 $5.91 $6 $3.83
EBT Costs/ Market $2 $1.80 $2 $2 $2 $1.50
Total debit costs - 26 weeks (6 months)
$191.10 $219.70 $157.04 $181.90 $151.32 $124.80
Total credit costs - 26 weeks
$143.33 $164.78 $131.82 $153.58 $162.76 $99.45
Total EBT costs - 26 weeks
$52 $46.80 $52 $52 $58.76 $39
Total variable costs
$386.43 $431.28 $340.86 $387.48 $372.84 $263.25
Appendix 1: Third-party service provider spreadsheet
Montana Farmers Market Electronic Benef its Transfer Manual: How to Accept SNAP Benef its at Your Farmers MarketDD
Big Sky Commerce (406) 327-0611
CardService Intnl1-800-456-5989
Paymentech 1-800-824-4313
TMC1-888-249-9919
Frontline1-866-651-3068
We Win Enterprises (406) 579-5621
Fixed costs:
Monthly charges (x 6 months)
$192 $336 $390 $108 $150 $120
Annual fee $29 $25 $75
Total estimated Fixed costs
$192 $336 $390 $137 $175 $195
Total estimated 1st year costs
$2,072.43 $1,567.28 $1,655.86 $1,582.48 $1,487.84 $1,158.25
Appendix 1: Third-party service provider spreadsheet cont.’d
Montana Farmers Market Electronic Benef its Transfer Manual: How to Accept SNAP Benef its at Your Farmers Market DH
Appendix 2: EBT Food Stamp pilot budget sample
Year 1 Amount
Expenditures
*Wireless terminal, pinpad, programming $900
*Checks (for vendors) $14
*Transaction fees $100
*Tokens $250
*Printing $83
*Offi ce supplies $51.39
*Table, cash box, storage bin, stapler, scissors, etc. $104
*Magnetic white board $20
*Advertising (Newspaper 2 spots) $250
*Miscellaneous, EBT fl ag, DVD VHS copies $300
*EBT assistant wages ($8.00 X 8hr-wk X 26 wks) $1,700
Expenditure total $3,772.39
Year 2 Amount
Expenditures
Token replacement $50
EBT assistant $1,700
Printing, offi ce supplies, trash can, sign $157.29
*Transaction fees $315.16
Advertising (newspaper) $215
Merchant support (third party) ($25.00 per month, 6 months) $150
Expenditure total $2,587.45
Montana Farmers Market Electronic Benef its Transfer Manual: How to Accept SNAP Benef its at Your Farmers MarketD!
Helena Farmers’ Market Vendor Token Tracking Form
* Vendors, when signed by market, this is your receipt, please keep in your envelope
Vendor name
Products sold
Credit & Debit
$1 (black) $5 (white)
*Used at any vendor, any item, change back
EBT$1 (green)
$5 (yellow)
*Used at vendor with approved Food Stamp items, no change back
Vendors only Market only
EBT tokens Credit & debit tokens
Total Market check Market
Date # Tokens
Denom-ination
$Value(A) # Tokens
Denom-ination
A+B # Tokens Denom-ination
$Value Signature
1-Sep-07
1 1 1
5 5 5
8-Sep-07
1 1 1
5 5 5
15-Sep-07
1 1 1
5 5 5
22-Sep-07
1 1 1
5 5 5
29-Sep-07
1 1 1
5 5 5
6-Oct-07 1 1 1
5 5 5
13-Oct-07
1 1 1
5 5 5
20-Oct-07
1 1 1
5 5 5
27-Oct-07
1 1 1
5 5 5
3-Nov-07
1 1 1
5 5 5
Appendix 3: Sample vendor token redemption forms
Montana Farmers Market Electronic Benef its Transfer Manual: How to Accept SNAP Benef its at Your Farmers Market DM
Appendix 3: Sample vendor token redemption forms cont.’d
Gallatin Valley Farmers’ Market 2009 EBT Project Daily Voucher Redemption Log
Date _____________ EBT Manager ______________________
Vendor Name $Value Vendor Signature Date Reimbursed Check No. 1 2 3 4 5 6 7 8 9
10 11 12 13 14 15 16 17 18 19 20 21 22 23 24
Total Voucher Values ____________________
The Original Gallatin Valley Farmers’
MarketA Project of Career Transitions, Inc.
P O Box 145 Belgrade, MT 59714
406-388-6701
Montana Farmers Market Electronic Benef its Transfer Manual: How to Accept SNAP Benef its at Your Farmers MarketDZ
Appendix 4: Vendor introduction sheet
Food Stamps EBT at the _______________________ Farmers MarketVendor EBT/Food Stamp Information Sheet
We will start accepting Food Stamps on ____________. Customers will come to your booth with $1 or $2 Market Tokens. You can collect them throughout the day, and return them to the EBT person at the end of the market. You will receive a check the following week for the amount of tokens you collect.
The following are some guidelines and rules set by the US Department of Agriculture:
• The customer will decide how much they want to spend
• The Food Stamp representative will swipe their card at the EBT market booth and get instant authorization,
• Customers will receive either $1 tokens or $2 tokens (or both) and use them at stands that are authorized to accept EBT approved products.
• At the end of the market, you can turn in the tokens and will be reimbursed the following week for the total amount sold.
Please display your “We Accept EBT Tokens/ Vouchers” sign at your booth each week.
NO CHANGE - you may not give change in any amount for the tokens. They will be in $1 and $2 denominations. It is illegal to exchange cash for Food Stamp benefi ts, so the customer will be encouraged to use the full amount.
What can I sell?
• Okay: Produce, milk, meat, bread, candy, cold prepared foods, seeds and plants or seeds for growing food.
• Not okay: alcohol, tobacco, pet food, any non-food item, and any food served hot or “meant to be eaten in the store,” such as ice cream or coff ee.
EBT holders must pay for their purchases at the time of sale. So you may not take payments before they get the items and you may not give them items and accept payment later.
IMPORTANT:Your feedback, comments and questions about this pilot will contribute to its success and our ability to help farmers in the region and across the country expands their ability to utilize this system. Violating the rules will not only stop us from being able to accept EBT Cards, but also aff ect the ease with which other farmers and markets around the region can use them.
Thanks for your cooperation and enthusiasm. Please contact [Market manager, Phone # and Email] with any questions or concerns you may have.
Montana Farmers Market Electronic Benef its Transfer Manual: How to Accept SNAP Benef its at Your Farmers Market DY
Appendix 5: Accounting sheet sample 1
Helena Farmers Market - EBT, Debit, Credit Summary - 2009
DATE # CREDIT TRANSAC-
TIONS
AMOUNT CREDIT
#DEBITTRANSAC-
TIONS
AMOUNT DEBIT
#EBT TRANSAC-
TIONs
AMOUNT EBT
#TOTAL TRANSAC-
TIONS
TOTAL AMOUNT
4/25/09 2 $67 1 $27 0 $0 3 $94
5/2/09 1 $50 3 $48 1 $100 5 $198
5/9/09 8 $261 6 $175 2 $54 16 $490
5/16/09 2 $50 7 $154 3 $32 12 $236
5/23/09 13 $355 10 $212 4 $60 27 $627
5/30/09 11 $485 4 $90 0 $0 15 $575
6/6/09 4 $135 2 $40 1 $10 7 $185
6/13/09 4 $71 14 $317 3 $51 21 $439
6/20/09 4 $120 4 $90 2 $18 10 $228
6/27/09 8 $211 5 $230 3 $70 16 $511
7/4/09 4 $166 11 $437 6 $95 21 $698
7/11/09 10 $340 3 $55 14 $320 27 $715
7/18/09 12 $480 11 $264 7 $117 30 $861
7/25/09 4 $138 18 $478 5 $90 27 $706
8/1/09 6 $341 13 $275 2 $26 21 $642
8/8/09 10 $240 6 $90 12 $266 28 $596
8/15/09 15 $465 12 $290 6 $94 33 $849
8/22/09 12 $513 15 $422 6 $120 33 $1,055
8/29/09 12 $320 8 $128 9 $134 29 $582
9/5/09 9 $205 6 $99 13 $348 28 $652
9/12/09 14 $253 8 $165 12 $240 34 $658
TOTALS 165 $5,266 167 $4,086 111 $2,245 443 $11,597
Montana Farmers Market Electronic Benef its Transfer Manual: How to Accept SNAP Benef its at Your Farmers MarketDC
Appendix 5: Accounting sheet sample 2MONTH
MAY
DATE
# of E
BT
trans
ac-
tions
# of
EBT
toke
nsAm
t.# o
f EBT
to
kens
re
deem
EBT
amt.
Tota
l EBT
ou
t-sta
nding
# of o
ut-
stand
ing
$2
toke
ns
# of
cr/dr
tra
ns
# of c
r/dr
toke
ns
issue
dAm
t.Cr
crd
fee
Amt.
of
certs
iss
ued
Amt.
Tota
l de
posit
# of
vend
ors
rede
em-
ing
# of
toke
ns
re-
deem
ed
Amt.
Rede
emed
ce
rt am
nts
Tota
l re
deem
ed
Tota
l cr/d
r am
nt ou
t-sta
nding
# of o
ut-
stand
-ing
$5
toke
ns
Tota
l CR
/EBT
OS
CC
trans
fee
s
5/2/
09
1375
$375
$14
$389
$389
12
$10
$10
$365
73$3
65
5/9/
093
25$5
00
$0$5
025
643
$215
$6$2
21$2
71$0
$0$2
1543
$265
5/16
/09
15
$10
0$0
$10
57
46$2
30$8
$238
$248
$0$0
$230
46$2
40
5/23
/09
00
$00
$0$0
07
65$3
25$1
0$3
35$3
354
40$2
00$2
00$1
2525
$125
5/30
/09
00
$010
$20
-$20
-10
1310
0$5
00$1
7$5
17$5
1721
182
$910
$910
-$41
0-8
2-$
430
16
May
sub
430
$60
1020
$40
2046
329
$1,64
5$5
5$0
$1,70
0$1
,760
2622
4$1
,120
$0$1
,120
$525
105
$565
16
MONTH
JUNE
DATE
# of E
BT
trans
ac-
tions
# of
EBT
toke
nsAm
t.# o
f EBT
to
kens
re
deem
EBT
amt.
Tota
l EBT
ou
t-sta
nding
# of o
ut-
stand
ing
$2
toke
ns
# of
cr/dr
tra
ns
# of c
r/dr
toke
ns
issue
dAm
t.Cr
crd
fee
amt.
of
certs
iss
ued
Amt.
Tota
l de
posit
# of
vend
ors
rede
em-
ing
# of
toke
ns
re-
deem
ed
Amt.
Rede
emed
ce
rt am
nts
Tota
l re
deem
ed
Tota
l cr/d
r am
nt ou
t-sta
nding
# of o
ut-
stand
-ing
$5
toke
ns
Tota
l CR
/EBT
OS
CC
trans
fee
s
6/6/
091
20$4
00
$0$4
020
14
$20
$1$2
1$6
10
0$0
$0$2
04
$60
6/13
/09
449
$98
6$1
2$8
643
1597
$485
$19
$245
$749
$847
631
$155
$245
$400
$330
66$4
16
6/27
/09
00
$022
$44
-$44
-22
738
$190
$6$0
$196
$196
1511
6$5
80$5
80-$
390
-78
-$43
446
.88
June
sub
569
$138
28$5
6$8
241
2313
9$6
95$2
6$2
45$9
66$1
,104
2114
7$7
35$2
45$9
80-$
40-8
$42
46.88
YTD
999
$198
38$7
6$1
2462
6946
8$2
,340
$81
$245
$2,66
6$2
,864
4737
118
5524
521
0057
511
569
962
.88
MONTH
JULY
DATE
# of E
BT
trans
ac-
tions
# of
EBT
toke
nsAm
t.# o
f EBT
to
kens
re
deem
EBT
amt.
Tota
l EBT
ou
t-sta
nding
# of o
ut-
stand
ing
$2
toke
ns
# of
cr/dr
tra
ns
# of c
r/dr
toke
ns
issue
dAm
t.Cr
crd
fee
Amt.
of
certs
iss
ued
Amt.
Tota
l de
posit
# of
vend
ors
rede
em-
ing
# of
toke
ns
re-
deem
ed
Amt.
Rede
emed
ce
rt am
nts
Tota
l re
deem
ed
Tota
l cr/d
r am
nt ou
t-sta
nding
# of o
ut-
stand
-ing
$5
toke
ns
Tota
l CR
/EBT
OS
CC
trans
fee
s
7/4/
096
70$1
405
$10
$130
6521
131
$655
$25
$230
$910
$1,05
08
30$1
50$2
30$3
80$5
0510
1$6
35
7/11
/09
222
$44
2$4
$40
2011
68$3
40$1
2$3
52$3
966
31$1
55$1
55$1
8537
$225
7/18
/09
110
$20
3$6
$14
710
62$3
10$1
4$1
70$4
94$5
146
32$1
60$1
60$1
5030
$164
7/25
/09
130
$60
28$5
6$4
29
57$2
85$1
0$2
95$3
5515
83$4
15$1
70$5
85-$
130
-26
-$12
625
.72
Jul s
ub10
132
$264
38$7
6$1
8894
5131
8$1
,590
$61
$400
$2,05
1$2
,315
3517
6$8
80$4
00$1
,280
$710
142
$898
25.72
YTD
1923
146
276
152
312
156
120
786
3930
142
645
4717
5179
8254
7$2
,735
$645
$3,38
0$1
,285
257
$1,59
788
.60
MONTH
AUGUST
DATE
# of E
BT
trans
ac-
tions
# of
EBT
toke
nsAm
t.# o
f EBT
to
kens
re
deem
EBT
amt.
Tota
l EBT
ou
t-sta
nding
# of o
ut-
stand
ing
$2
toke
ns
# of
cr/dr
tra
ns
# of c
r/dr
toke
ns
issue
dAm
t.Cr
crd
fee
Amt.
of
certs
iss
ued
Amt.
Tota
l de
posit
# of
vend
ors
rede
em-
ing
# of
toke
ns
re-
deem
ed
Amt.
Rede
emed
ce
rt am
nts
Tota
l re
deem
ed
Tota
l cr/d
r am
nt ou
t-sta
nding
# of o
ut-
stand
-ing
$5
toke
ns
Tota
l CR
/EBT
OS
CC
trans
fee
s
8/1/
090
0$0
74$1
48-$
148
-74
1313
3$6
65$1
7$6
82$6
8212
106
$530
$0$5
30$1
3527
-$13
8/8/
095
60$1
209
$18
$102
5115
137
$685
$24
$225
$934
$1,05
45
30$1
50$2
25$3
75$5
3510
7$6
37
8/15
/09
00
$018
$36
-$36
-18
416
$80
$4$8
4$8
46
69$3
45$3
45-$
265
-53
-$30
1
8/22
/09
323
$46
0$0
$46
2312
97$4
85$1
6$5
01$5
476
95$4
75$4
75$1
02
$56
8/29
/09
16
$12
51$1
02-$
90-4
55
24$1
20$5
$125
$137
2320
5$1
,025
$1,02
5-$
905
-181
-$99
554
.72
Aug s
ub9
89$1
7815
2$3
04-$
126
-63
4940
7$2
,035
$66
$225
$2,32
625
0452
505
2525
225
$2,75
0-$
490
-98
-616
54.72
Montana Farmers Market Electronic Benef its Transfer Manual: How to Accept SNAP Benef its at Your Farmers Market DF
Appendix 5: Accounting sheet sample 2 cont.’dMONTH
AUGUST
DATE
# of E
BT
trans
ac-
tions
# of
EBT
toke
nsAm
t.# o
f EBT
to
kens
re
deem
EBT
amt.
Tota
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Montana Farmers Market Electronic Benef its Transfer Manual: How to Accept SNAP Benef its at Your Farmers MarketHE
Appendix 6: Sample press release
Press ReleaseDate: August 31, 2007Contact: Tammy Hinman (XXX) XXX-XXXX
SHARING MONTANA’S BOUNTY: A State-Wide Celebration of the Farmer’s Market EBT Project
As of Sept. 1, four farmers markets will be accepting Food Stamp EBT cards. To celebrate this momentous eff ort, each farmers market will be holding kick-off celebrations on Sept. 8. While the transition from Food Stamps to SNAP cards has reduced the stigma associated with Food Stamps, it has made it diffi cult for farmers markets and smaller retailers to have the capacity to accept them. Farmers markets are often in locations, such as city streets and parks, which have no phone line to enable them to utilize a Point of Service device to swipe the EBT card.
Now four farmers markets in Montana have successfully installed a device that enables SNAP card holders to use their benefi ts to buy fresh, healthy and local foods. The four farmers markets are the Gallatin Valley Farmers market in Bozeman, the Helena Farmers Market, The Missoula Farmers Market and the Clark Fork Market (also in Missoula). The Helena and Clark Fork Markets will also be accepting debit and credit cards!
The kick-off celebrations will include raffl es of local crafts and foods, door prizes, cooking demonstrations, and kid activities.
“Our customers are anxiously looking forward to it,” says Michele Lelandre, from the Bozeman Job Service, WORCS Program. “The new EBT machines will give them an excellent opportunity in a market that they other-wise would not have had the opportunity to participate in.”
This project has been funded by The Montana State Department of Health and Human Services. The National Center for Appropriate Technology in partnership with the Alternative Energy Resources Organization is administering this pilot program.
For more information about the kick-off celebrations or the Farmers Market EBT Project contact: Tammy Hinman, Project Manager at (XXX) XXX-XXXX or [email protected].
Montana Farmers Market Electronic Benef its Transfer Manual: How to Accept SNAP Benef its at Your Farmers Market HB
Appendix 7: Vendor crib sheet – farmers market nutrition programs
This is a sheet to help you understand the diff erent requirements of each governmental nutrition program.
SNAP (EBT) food cards and credit cards SNAP, the new name for Food Stamps, is now on a card system. Your market manager has helped to implement a system where SNAP customers can swipe their card at the farmers market in exchange for tokens. The tokens are usually in $1 to $2 amounts (see sample below).
Who can accept EBT Tokens? • Any vendor who sells food products.
What can I sell to EBT token carrying customers?: • OK: fruits and vegetables, breads and cereals, dairy products, meats, fi sh, poultry, and eggs. Seeds and
plants that produce food.
• Not OK: alcohol, tobacco, pet food, any non-food item, and any food served hot or “meant to be eaten in the store”, such as coff ee or baked goods.
• Consider creating user-friendly purchases in $2 sizes to accommodate these tokens.
How do I redeem my tokens?: • Collect them throughout the day and redeem them in the manner that your market manager has asked
you to. If you have questions about this process, talk to your market manager.
• You will receive a check for your tokens at the next market.
Can I give change?: • You may not give change in any amount for the $2 tokens. It is illegal to exchange cash for SNAP food card
benefi ts, so encourage the customer to use the full amount of the token.
How do customers know if I accept or do not accept tokens? • At this point you have received a laminated sign with a check box for each of the diff erent farmers market
nutrition programs. Please display it with a check by each program you participate in.
How do I tell the diff erence between the tokens?: • EBT tokens are diff erentiated from debit/credit tokens by the amount. The EBT tokens are in smaller amounts.
Debit and credit card purchases • Customers who wish to use their credit or debit cards can be directed to the Info Booth where they obtain
tokens (usually in $5 increments) with which to make their purchases.
What can they buy with these tokens?: • These can be used for any item in the market – there are no restrictions on the $5 tokens. • These tokens are redeemed in the same manner as the SNAP tokens.
Tokens look like this:
Montana Farmers Market Electronic Benef its Transfer Manual: How to Accept SNAP Benef its at Your Farmers MarketHD
Appendix 7: Vendor crib sheet – FMN programs cont.’d
WIC and Senior Farmers Market Nutrition Program couponsWho can accept farmers market nutrition program coupons? • Can only be accepted by produce vendors who have signed and handed in both a WIC and a
Senior Food Coupon Contract
Can you give change? • No change can be given for these coupons • Consider creating user friendly purchases in $2 sizes to accommodate coupons.
Redemption: • WIC coupons are stamped by the market manager and returned to the vendor—vendor deposits them at
their bank like a check. • Senior food coupons are counted by the vendor, then counted by the market manager who then writes the
vendor a check in exchange for the coupons.
The coupons look like this:
WIC coupon:
Senior coupon: