Fintech startup JazzyPay raises $500,000 to help merchants go cashless during COVID-19
JazzyPay, a Philippines-based fintech firm, announced a $500,000 seed financing round led by early-stage venture capital firm Cocoon Capital. .....»»
Invest in MIF, PBBM urges Saudi bizmen
RIYADH, Saudi Arabia — President Ferdinand Marcos Jr. and his economic managers portrayed a healthy and robust Philippine economy as he encouraged Saudi Arabian businessmen to participate in the nation’s recently established sovereign wealth fund, Malacañang said on Friday. In a statement, the Palace said Marcos pitched the Maharlika Investment Fund to Saudi business executives, hoping to gain from their investments and wealth of financial management know-how. “At the forefront of these opportunities is the recently launched Maharlika Investment Fund, the Philippines’ first-ever sovereign investment fund designed to drive long-term economic development through increased investments in high-impact sectors,” Marcos said. “We look forward to benefiting not just from Saudi investments but also from the Kingdom’s extensive experience in managing such funds,” he added. In response, Saudi Ministry of Investment Minister Khalid Al-Falih said Saudi investors are keen to learn from the Philippines’ financial sector. Al-Falih said the MIF was of particular relevance to the Saudi business community. “We want to connect you to key Saudi investors with impressive success stories to share and with the desire to continue building our international presence by investing with partners across the globe, the Philippines being a key one,” Al-Falih said. He added: I am pleased that we are joined today by leaders of the sector from Saudi Arabia who are eager to learn more about one of ASEAN’s most exciting markets and about the Maharlika Investment Fund that you have launched under your administration.” The Saudi government, he said, may provide information about their “extremely successful banking sector.” He applauded the Philippine government’s efforts to have a cashless society, one that uses mobile money as well, by 2030. The post Invest in MIF, PBBM urges Saudi bizmen appeared first on Daily Tribune......»»
Expo aims to onboard more MSMEs into digital payments
The Bangko Sentral ng Pilipinas is expecting that the first-ever Cashless Expo will provide more micro, small and medium enterprises the chance to adopt digital payment schemes to further grow their businesses......»»
Travel eases as unified toll sticker, wallet rolls out next year
Motorists traversing the country's major expressways may start using a unified RFID sticker and wallet for more efficient toll payments within the second quarter of 2024 as both regulators and operators push to advance the long-delayed toll road interoperability project. During the Bagong Pilipinas Ngayon briefing on Tuesday, Toll Regulatory Board spokesperson Julius Corpuz said the planned Phase 3, or the last stage of the toll road interoperability project is on track to roll out anytime from April to June next year. Corpuz conveyed that his optimism stemmed from the constant and conclusive coordination among the government and toll operators San Miguel Corp. or SMC and Metro Pacific Tollways Corp. or MPTC. "We are looking forward to the Phase 3 dry run this coming December and that phase of our interoperability project will be fully implemented by the second quarter of next year," Corpuz said. "We continue to communicate and coordinate with the operators to identify areas that need improvement so that the planned rollout will be smooth. So far, it looks like we are on track," he added. Once in place, for instance, motorists may easily pass through North Luzon Expressway, a toll road operated by MPTC, using their Autosweep RFID sticker, which is normally used across SMC-operated expressways. In turn, those with EasyTrip RFID stickers will then be allowed to use them in MPTC-controlled expressways. The Toll Interoperability Project was launched in 2017, requiring toll road companies to make system adjustments for integrated toll collection. The first stage of the project involves implementing a completely cashless and contactless system for toll payments. The second stage, on the other hand, includes the use of two RFID wallets to hold payment loads for specific toll plazas, but there will also be a single RFID sticker that can be read by sensors at various toll roads. Finally, the third stage involves implementing an RFID sticker for all toll expressways and consolidating all toll payments into one wallet. The TRB is currently in the second month of the two-month dry run it is enforcing for contactless transactions in select toll plazas, which seeks to determine the program's viability. It also aims to identify and resolve any roadblocks that will hinder the operators from fully implementing the project. As perceived, Corpuz said many motorists still do not have their RFID installed during the initial run. "One of the biggest challenges is encouraging and motivating our motorists to switch from cash to RFID. But we noticed that since we implemented this dry run, many people have started to install RFID and they are now enjoying faster transactions at our toll plazas," Corpuz said. "After October, if our 2-month dry run ends, we will have an assessment on whether to extend it or not. It will also guide us in determining if we need to do something else to improve and repair our electronic toll-collecting systems," he added. The post Travel eases as unified toll sticker, wallet rolls out next year appeared first on Daily Tribune......»»
Parañaque adopts QR Ph in online payment services
To promote full cashless payment system in local government transactions, the city government of Parañaque has fully adopted the national quick response code standard, also known as QR Ph, in its bid to accelerate digitalization......»»
DTI slates Cashless Expo 2023
To promote the benefits of micro, small and medium enterprises to be onboarded to digitization, particularly in adopting digital payments, the Department of Trade and Industry is kicking off Cashless Expo 2023 in November. On Thursday, Trade and Industry Secretary Fred Pascual signed a memorandum of agreement with GoDigital Pilipinas Movement Inc., for the upcoming exposition. “This multifaceted approach in encouraging small businesses to adopt digital payments is aligned with the goal of the government to promote digital inclusivity through innovation to ensure that local enterprises remain globally competitive. Through a whole-of-government approach, the DTI will partner with both public and private stakeholders to foster digital transformation and wider accessibility for our enterprises,” according to Pascual. The objectives of the MoA are to increase digital payment adoption by merchants and encourage cashless transactions among consumers. Following the e-Commerce Philippines 2022 Roadmap launched earlier last year, the agreement further strengthens the aim of the DTI in promoting digitalization and financial inclusion among merchants and consumers. The Cashless Expo 2023, scheduled on 17 to 19 November 2023, is a collaboration between the DTI Digital Philippines E-Commerce Division and the GoDigital Pilipinas Movement. Further, it aims to ramp up efforts to increase digital payments across the nation. The event is supported by other government agencies such as the Department of Tourism, the Department of Agriculture and the Bangko Sentral ng Pilipinas, along with the private sector and digital payment enablers. The Cashless Expo 2023, the first cashless expo in the Philippines, will be a three-day trade show that will feature MSMEs that pioneer entirely cashless transactions. It will also showcase businesses using digital payment methods like e-wallets, debit/credit cards, online bank transfers, and QR codes or Near Field Communication technology to enable contactless transactions. The DTI Chief stressed the significance of digital transformation to enable MSMEs to be globally competitive, saying, “This event takes us one step closer to our goal of encouraging the adoption of digital payments across all industries. As the DTI works on science, technology and innovation driven approaches, we encouraged both public and private sectors to work with us in ensuring that digital transformation will happen in the Philippines.” The post DTI slates Cashless Expo 2023 appeared first on Daily Tribune......»»
8.3K permits for telecom towers granted
More than 8,300 permits and clearances to build cell towers of telecommunications companies have been approved by 668 local government units, or LGUs, across the country, the Department of the Interior and Local Government said Monday. DILG Secretary Benhur Abalos Jr. said that as of 15 September, 8,311 permits for telecom towers had been approved by cities and municipalities, while 2,404 permits were still being processed in 229 cities and municipalities. Abalos said the DILG is monitoring the processing of permits and will issue show-cause orders to LGUs that delay the process. He said this is in support of President Ferdinand R. Marcos Jr.’s directive to improve and digitalize business processes, as he underscored DILG efforts to build smart cities and sustainable communities. Abalos said LGUs are streamlining their regulatory processes in line with Republic Act 11032, or the Ease of Doing Business Act. He cited his experience as a mayor of Mandaluyong City where complaints from the public were immediately acted on. He said Executive Order 32, signed by the President last July, streamlined permit processes for the construction of telecommunications and Internet infrastructure. The EO states that no other national or local permits or clearances shall be required for the construction and operation of telecommunications and internet infrastructure except those required by law. “There is usually a lot of red tape when building a telecoms tower. Because of this executive order, the requirements have been reduced and we expect interconnectivity to improve,” he said in Filipino. He added that efforts are being exerted to adopt digital or electronic facilities for business registration and renewal, and for the assessment and collection of local taxes, fees, and charges, as well as to shift to cashless payments pursuant to EO 170. “We have a joint initiative with the Bangko Sentral ng Pilipinas called Paleng-QR. When you buy vegetables and food at the market, you no longer need to bring cash. Several LGUs across the country are now into cashless transactions through this system,” he explained. The post 8.3K permits for telecom towers granted appeared first on Daily Tribune......»»
Cash or Cashless? Learn Why Both are Necessary
The convenience of using cashless payment methods can’t be denied. In this day and age, having an e-wallet like GCash and Maya is a must-have for anyone today. With just a scan of a QR code, you already paid for your purchase. However, bringing in physical cash is still essential here in the country. Cash […].....»»
Solane LPG, GCash partner to provide cashless, credit payment options for LPG purchase
The landmark partnership enables Solane LPG users to pay for their liquefied petroleum gas tanks and refill through GCash and choose to pay for their products now or later through loan products GCredit and GGives......»»
Bill seeks removing scams, stop mules
A measure seeking to penalize individuals engaged in money muling, social engineering schemes, and other fraudulent financial scams was filed in the Senate recently. Senate Bill 2407 or an “Anti-Financial Account Scamming Act” targets to align policies on the administration’s commitment to expand digital transactions, safeguarding the public from scammers and abusive online lenders. “We need to protect the integrity of the country’s financial system and ensure that financial accounts and their owners are protected and are not exploited or lured by cybercriminals or criminal syndicates into the commission of an unlawful or fraudulent activity,” a senator said, highlighting the importance of the significance of cashless transactions and digital payments during the Covid-19 pandemic. The rapid growth and popularity of digital financial services also prompted the rise of financial-related cybercrimes. “Cybercriminals took advantage of technologies to transfer illicit or stolen funds across digital financial services, steal vital information about account holders and take the goal of covertly committing financial crimes,” he said. Senators stressed the need to enact a measure that imposes penalties on individuals “who willingly become conduits for illicit transactions, those who engage in manipulative social engineering tactics and other deceitful schemes” that compromise financial accounts. The post Bill seeks removing scams, stop mules appeared first on Daily Tribune......»»
Senate bill filed to address increasing money mules, financial scams
Senator Win Gatchalian on Wednesday filed a measure seeking to penalize individuals engaged in money muling, social engineering schemes, and other fraudulent financial scams. Gatchalian said the Senate Bill 2407 or an “Anti-Financial Account Scamming Act” targets to align policies on the administration’s commitment to expand digital transactions, safeguarding the public from scammers and abusive online lenders. “We need to protect the integrity of the country’s financial system and ensure that financial accounts and their owners are protected and are not exploited or lured by cybercriminals or criminal syndicates into the commission of an unlawful or fraudulent activity,” the senator said, highlighting the importance of the significance of cashless transactions and digital payments during the Covid-19 pandemic. Gatchalian lamented the rapid growth and popularity of digital financial services also prompted the rise of financial-related cybercrimes. “Cybercriminals started taking advantage of technologies to transfer illicit or stolen funds across digital financial services, stealing vital information about account holders and taking over their accounts, or enticing account holders with gifts and incentives with the goal of covertly committing financial crimes,” he said. Gatchalian stressed the pressing need to enact a measure that imposes penalties on individuals “who are willingly become conduits for illicit transactions, those who engage in manipulative social engineering tactics and other deceitful schemes” that compromise financial accounts. He added that such encompasses actions such as account takeover, recruiting or enlisting others to commit these acts, and perpetration of these acts on a significant scale comparable to economic sabotage that jeopardizes the security of Filipinos’ financial accounts and the integrity of the country’s financial system. “For the past 3 years, the unsuspecting public lost millions of their hard-earned money to these cybercriminals,” Gatchalian said. As an example, Gatchalian cited the “Mark Nagoyo” scam event wherein more than 700 BDO Unibank customers’ accounts were hacked in late 2021. These unauthorized bank transfers targeted government teachers with Landbank accounts in January last year in which the victims lost between P26,000 to P121,000 from the incident and the massive phishing incident involving GCash users in May this year. “Operations of cybercriminals grew on a large scale, taking advantage of the unemployed, those who are looking for easy money, those who are unaware, and those who are willing to help others, and thriving in jurisdictions with very weak enforcements and penalties like the Philippines,” he noted. In fact, Kaspersky Security Network’s 2022 Report showed that the Philippines ranked 2nd among countries most attacked by web threats in 2022 and the most preferred attack method which includes social engineering schemes. The post Senate bill filed to address increasing money mules, financial scams appeared first on Daily Tribune......»»
GCash keeps fee’s subsidy
Financial super application GCash will continue to subsidize the convenience fee for cash-ins to provide a financial cushion to users amid the rising cost of goods. At a recent media briefing of the Globe Group, GCash president and CEO Martha Sazon said that while users are still charged a fee for cash-ins, it is still “much lower” than the P25 that other financial institutions usually charge for cash transfers because of the subsidy. “The P5 convenience fee is only 1/5 of what is normally charged by other financial institutions. As GCash continues to scale, we still subsidize most of the charges as well as heavily invest in upgrading our infrastructure and reinforcing security services,” Sazon said. “This also ensures that our operations will remain seamless for all customers,” Sazon said. “Even with this fee, we will continue to subsidize part of the operating cost for cash-ins as we remain committed to keeping our services accessible to many Filipinos,” she added. More cash-in options Later this year, GCash is set to charge a cash-in or convenience fee of P5 for every cash-in via linked BPI and UnionBank accounts. Cash-ins via linked bank accounts are one way to add funds to a GCash account. Over-the-counter cash-in is also available through cash-in machines, partner convenience stores, pawnshops, supermarkets, department stores, drug stores, gas stations, sari-sari stores and retail stores, among others. Meanwhile, GCash has waived fees for QRPH transactions for merchants until the end of the year, giving micro-entrepreneurs extra earnings while using convenient cashless transactions. Other payment platforms charge up to 2 percent for QR-based or card payments. GCash also continues to offer micro-merchants access to a wallet with a limit of up to P500,000 monthly. GCash also waives the 1.5 percent transaction fee for up to P100,000 in gross sales. The post GCash keeps fee’s subsidy appeared first on Daily Tribune......»»
Credit card literacy revs up as use rises
The Credit Information Corporation continues its campaign for wise and safe use of credit cards as more Filipinos shift to cashless payments. CIC, along with the Credit Card Association of the Philippines, or CCAP, will hold the “Swipesmart” free webinar on 31 August on their Facebook page from 9 a.m. to 11 a.m. CIC on its website announced the webinar will discuss the responsible use of credit cards to build a good credit rating for easier access to loans and cybersecurity for prevention of financial theft. CCAP executive director Alex Ilagan said cases of credit card fraud have risen by 21 percent in 2021 amid the pandemic as interactions were conducted through remote technology. During this period, Visa Philippines said more Filipinos or 52 percent preferred online credit card payments while 44 percent chose card payments at physical stores. Rise in cards use inevitable CCAP expects more Filipinos to use credit cards as the Philippine Statistics Authority projected more income earners in the country with a 1.52 percent population growth each year and more businesses both online and physical open post-pandemic. Currently, 64 percent of the population own credit cards, CCAP reported. “As the economy continues to reopen and becomes more robust, pent-up demand for consumer goods and services will persist, feeding into the growth of the e-commerce, retail and services, travel and tourism, automotive, and housing sectors, among others,” Ilagan said. “A credit card is one way to extend your purchasing power,” he continued. Credit cards are used for small to medium purchases. For long-term and bigger purchases, banks strictly evaluate borrowers’ credit card histories submitted by the CIC as required by law. CIC shared it has obtained credit data of 41.8 million individuals as of 30 June 2023. Visit www.creditinfo.gov.ph for the registration link to the webinar. The post Credit card literacy revs up as use rises appeared first on Daily Tribune......»»
Paleng-QR now available in Mandaue
The city government of Mandaue in Cebu has launched the digital payment Paleng-QR as it helps the Bangko Sentral ng Pilipinas expands the population of Filipino adults with bank accounts. “Paleng-QR aims to strengthen the financial resilience of Filipinos and help them maximize economic opportunities through inclusion in the formal financial system,” BSP Governor Eli Remolona Jr. said in a statement released Friday. Payments facilitated Paleng-QR facilitates payments for various purchases of businesses and customers at public markets by scanning QR codes using their e-wallets and banking mobile apps which offer other financial services. “This then leads to access to other welfare-enhancing financial services, such as formal credit in a digital way, and then access to savings, insurance, and of course, investing,” Atty. Charina B. De Vera-Yap, BSP’s financial inclusion and consumer empowerment officer, said. BSP targets to increase bank account holders from 51 percent of Filipino adults to 70 percent and cashless payments up to 50 percent of all retail transactions this year. Enabling Filipinos to thrive in digital era “We aim to enable more Filipinos to thrive in this digital era. The Department of the Interior and Local Government or DILG fully supports the Paleng-QR because we believe in this policy research-backed project, which emphasizes that in order for Filipinos to really adopt cashless transactions, the palengke is the right place to start,” DILG regional director Leocadio Trovela said. According to Fintech Alliance Philippines, the majority or 37 percent of the 285 digital financial firms in the country focused on e-payments last year, while 20 percent offered loans. Filipinos who are capable of owning bank accounts could increase from 65 million to 85 million, or 30 percent higher, by 2030 as digital wallet providers and banks become more popular, data from global market analyst McKinsey & Company revealed. The post Paleng-QR now available in Mandaue appeared first on Daily Tribune......»»
BuCor: No more cash transactions in prisons
Starting September, the Bureau of Corrections will implement cashless transactions in operating prisons and penal farms to stop inmates from engaging in illegal activities......»»
Cashless zone at BuCor
The Bureau of Corrections starting next month will introduce a cashless policy in all its operating prisons and penal farms nationwide to eliminate the proliferation of illegal activities with the use of cash money. This was according to Director General Gregorio Pio P. Catapang Jr. saying that in recognition of the basic human rights of every person deprived of liberty (PDLs) they are allowed to possess money while serving sentence, either from proceeds of their engagement in work and livelihood programs or money send to them from relatives and friends here and abroad in order to supplement the limited resources allocated for their basic needs. Catapang said: However, we received reports that some PDLs used their money in illegal business transactions, so to put a stop to this practice, all OPPFs will be a “cashless zone.” This includes corrections officers assigned to man the security compound will not be allowed to carry cash money or else it will be confiscated. Confiscated money from PDLs will be deposited to the PDL's trust fund while confiscated money from COs will be deposited to the employees' trust fund. Instead of cash money, the BuCor will issue PDLs individual booklets just like the one being issued by the bank reflecting the amount credited to the name of the holder and entitling him to purchase goods or items from IPX, a store inside prisons. They are allowed to receive a maximum of P2,000 per week. Catapang warned that any unauthorized BuCor personnel found to be in possession of the PDLs booklet will be meted out outright dismissal. With this new policy, the BuCor is hitting two birds with one stone, one is eradicating the use of cash money in illegal business transactions of PDLs and two, we will be able to discipline our own personnel from meddling with PDL’s money. Meanwhile, Catapang wants the supply and operation of IPX inside the OPPF to be managed by the BuCor cooperatives where every employee is a member, and proceeds for this operation will be deposited directly to their funds as part of their incentives. The mechanics for these are now being crafted by the BuCor Business Center headed by Atty. Melencio Faustino. The post Cashless zone at BuCor appeared first on Daily Tribune......»»
SMC infrastructure ready for cashless tollways
The infrastructure arm of San Miguel Corp. – SMC Infrastructure – is ready to implement the government’s renewed push for cashless and contactless payment systems along expressways......»»
Cashless tollway system begins this September
Motorists are advised to prepare as cash lanes will be removed on Sept. 1 and radio frequency identification stickers will be used to pass through expressways, as the Metro Pacific Tollways Corp. implements a cashless payment system......»»
Fund transfer just got free
Transferring money got even better with UnionBank of the Philippines. Already offering one of the lowest inter-bank transfer fees in the industry, UnionBank announced a free InstaPay fund transfer for transactions worth P1,000 and below from 8 August to 11 November. UnionBank Online app users can now make the most out of the deals this 8.8 with the savings they can get from the waived InstaPay fees. The good news doesn’t stop there! UnionBank is also bringing back its InstaPanalo Raffle promotion with P3 million in cash prizes to be given away. From 1 August to 15 November, UnionBank Online app users doing InstaPay fund transfers worth above P1,000 can win cash prizes of up to P100,000! For every five successful InstaPay send transactions worth above P1,000 each, customers automatically earn one e-raffle entry. There will be 40 winners of P50,000 in the first two draws and 10 lucky winners of P100,000 during the grand draw. Non-winners during the first and second draw events can still qualify for the grand draw. “These initiatives are a testament to our brand’s relentless passion towards delivering superior value to our customers — they are the reason why we continue to redefine banking through trailblazing digital innovations and value-laden offers,” said Ana Aboitiz-Delgado, UnionBank’s chief customer experience officer and chief digital channels officer. UnionBank has always been known for being at the forefront of promoting financial inclusion through its digital banking solutions. “We want as many people as possible to experience the ease and convenience of cashless transactions. This also supports the thrust of Bangko Sentral ng Pilipinas to promote digital payments to make financial services more accessible to everyone, which, for us at UnionBank, is in line with our commitment to enabling a digital economy that works for and benefits every Filipino,” said chief marketing officer Albert Cuadrante. The BSP Digital Payments Transformation Roadmap aims to convert to digital at least 50 percent of total retail payments by the end of 2023. Experience FREE InstaPay fund transfers and join the InstaPanalo raffle promo now. Download the UnionBank Online app on Google Playstore, App Store and Huawei App Gallery. The post Fund transfer just got free appeared first on Daily Tribune......»»
Visa, UnionBank, PayMongo team up for BNPL plan
Digital payments multinational Visa is partnering with UnionBank of the Philippines and PayMongo to bring Visa installment solutions, an innovative program that will soon enable Filipino consumers to easily access “Buy Now, Pay Later” or BNPL financing. Visa Installment Solutions will offer all UnionBank credit cardholders the flexibility to pay in interest-free monthly installments for their purchases, both in-store and online. It will also allow PayMongo merchants to accept payments from UnionBank customers directly from their websites or online stores. “We are proud to introduce Visa Installment Solutions very soon with UnionBank as our first-ever issuer in the Philippines, and with PayMongo as our payment facilitator, who both share our long-term commitment to promote financial inclusion among Filipinos by offering secure and seamless flexible payment solutions. This initiative will not only benefit our valued partners but also contribute to our economy, particularly in light of the growing popularity of BNPL options among Filipinos,” Jeff Navarro, Visa country manager for the Philippines and Guam, said. First crack on scheme UnionBank and PayMongo will be the first financial institutions in the Philippines to adopt this solution, providing customers with an additional payment option, starting with domestic purchases first, to be followed later by cross-border capabilities. “UnionBank is thrilled to collaborate with Visa as the first local bank to adopt Visa Installment Solutions which will be offered very soon to Filipinos. By leveraging our combined expertise and network, we seek to fuel the growth of a payment ecosystem that benefits consumers, merchants and organizations towards a cashless Philippines,’’ Vishal Kadian, UnionBank’s head for Cards and Personal Loans shared. The post Visa, UnionBank, PayMongo team up for BNPL plan appeared first on Daily Tribune......»»
Cash-out
Cashless transactions are now prevalent with the use of e-wallets on mobile phones and smart cards. But this proved to be challenging for an ANZ bank depositor in Brisbane, Australia when she needed money to renovate her house. Taryn Compton recently went to a local branch of the bank to withdraw A$3,500 but she forgot to bring her automated teller machine card. Compton decided to withdraw the amount from her account over the counter. Still, it was not possible. The teller told Compton that the bank was a cashless branch and the only way depositors could withdraw their money was through the ATM, 9 Now reported. The teller helped Compton download and install an app on her phone so she could transfer money from her bank account to her e-wallet without the need for an ATM card. This also didn’t work, however, leaving her with one last option. “The teller told me that if I wanted to get my cash out if I needed it that day, to transfer it to another bank and try somewhere else so that’s what I did,” she said, according to 9 Now. “If you can’t get your own money from a branch, what’s the point of a bank?” she exasperatedly asked. Meanwhile, a Filipino money collector was faced with a somewhat similar dilemma when he also could not get his cash. The collector was on a motorcycle on the Cebu South Coastal Road in Cebu City last 4 July heading to Mandaue City to remit the cash payments he had collected from kiosks at the South Road Properties when a motorist signaled to him that he had dropped something, the TV news show 24 Oras reported. On turning around, he was shocked to see money flying all over the road and people scrambling to pick up all that cash. He looked at his money bag and quickly realized that the money had flown out of it after the zipper broke. He then called the police for help in recovering the money. While he got back P2,083,000 on the spot, this was far less than the total he had collected that day which was about P4 million. The collector faced the prospect of having to replace the lost money himself. He then aired an appeal to the people who had snatched up some of the money he had dropped to return it. The post Cash-out appeared first on Daily Tribune......»»