Merge pull request #156 from GSA/rj-section-how-it-works

Adds how-it-works section content

src/content/how-it-works/eligibility.md

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+---
+title: Eligibility and the Application Process
+description: "Who is eligible and how to apply for GSA SmartPay solutions."
+order: 1
+category: how it works
+tags:
+  - application
+  - eligibility
+  - master contract
+---
+
+Eligibility for the program is determined by the GSA SmartPay® Contracting Officer. Federal agencies, departments, tribal organizations and approved non-federal entities (including those eligible to use GSA sources of supply and/or cost-reimbursable contractors) can apply to obtain GSA SmartPay payment solutions. Further eligibility information can be found in section C.2.1.1 of the [GSA SmartPay 3 Master Contract](/about/master-contract/).
+
+For those eligible to apply, contact your agency/organization program coordinator (A/OPC) to obtain and submit an application for the GSA SmartPay account. Please note:
+
+- New applicants should receive their GSA SmartPay account from the contractor bank within 10–14 calendar days from the time the application is submitted by your A/OPC.
+- Replacements for lost, stolen, broken or otherwise unusable cards will be sent within 48 hours of the request.
+- In the case of an emergency, such as response to a natural disaster, threat to national security, or military mobilization, the contractor bank will send the GSA SmartPay account within 24 hours of the request.
+
+## Tribes, Tribal Organizations, and Other Non-Federal Entities
+
+The GSA SmartPay Fleet, Purchase, Travel and Integrated payment solutions can be used by tribes, tribal organizations, and other non-federal entities. To participate in the GSA SmartPay program, [fill out and submit the application](/files/gsasmartpay-application.pdf).
+
+Tribes, tribal organizations, and non-federal entities that are interested in quickly meeting their immediate need with minimal resources may want to seriously consider joining the GSA pool.
+
+For further details about the application process and about the GSA pool option, please reach out to Pamela Morgan (Business Management Specialist, Center for Charge Card Management) at [[email protected]](mailto:[email protected]).
+
+## State/Local Governments
+
+At this time, state and local governments are not authorized to use the GSA SmartPay contract. However, state and local governments may review the GSA SmartPay program offerings and best practices as a guideline for similar payment programs.

src/content/how-it-works/index.md

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+---
+title: How GSA SmartPay® Works
+description: "The GSA SmartPay program is the world’s largest government charge card and commercial payment solutions program."
+slug: "./"
+order: 0
+category: how it works
+tags:
+  - banks
+  - master contract
+---
+
+Through the GSA SmartPay 3 Master Contract, the GSA SmartPay program provides agencies/organizations with a comprehensive portfolio of purchase, travel, fleet and integrated payment solutions to support mission needs.
+
+Agencies/organizations issue a task order under the GSA SmartPay 3 Master Contract to one of the GSA SmartPay contractor banks, Citibank or U.S. Bank. Then, the awarded bank provides payment solutions to the agency.
+
+GSA SmartPay transactions involve the account holder, chosen payment solution, acquiring bank, issuing bank, brand network, and merchant.
+
+## How a GSA SmartPay Transaction Works
+
+<iframe width="100%" height="315" src="https://www.youtube.com/embed/sfWxZlbZwgo?rel=0" title="YouTube video player" frameborder="0" allow="accelerometer; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" allowfullscreen></iframe>
+
+<ol class="usa-process-list">
+  <li class="usa-process-list__item">
+    <h3 class="usa-process-list__heading">Payment Transactions</h3>
+    <p class="margin-top-05">
+      An account holder uses a GSA SmartPay solution as a method of procurement and payment for the authorized purchase of goods and services.
+    </p>
+  </li>
+  <li class="usa-process-list__item">
+    <h3 class="usa-process-list__heading">Approval and Funds Request</h3>
+    <p>
+      The acquiring bank receives authorization from the issuing bank through the brand network (VISA/MC).
+    </p>
+    <p>
+      The merchant finalizes the transaction and the acquiring bank requests payment from the issuing bank through the brand network.
+    </p>
+  </li>
+  <li class="usa-process-list__item">
+    <h3 class="usa-process-list__heading">Funds Interchange</h3>
+    <p>
+      Once approved, the issuing bank provides funds to the acquiring bank through the brand network. The brand assesses an interchange fee on the approved amount.
+    </p>
+  </li>
+    <li class="usa-process-list__item">
+    <h3 class="usa-process-list__heading">Merchant Payment & Account Holder Billing</h3>
+    <p>
+      The acquiring bank assesses a processing fee on the approved funds and the merchant receives payment.
+    </p>
+    <p>
+      The issuing bank bills the account holder for the full amount of the goods and/or services purchased.
+    </p>  
+  </li>
+</ol>
+
+## Glossary
+
+### Account Holder
+
+An individual issued an account at the request of an agency/organization.
+
+### Merchant
+
+The entity accepting payment from an agency/organization in exchange for goods/services. The merchant may be a required source inside or outside the federal government, another government agency or a private sector merchant of supplies or services.
+
+### Acquiring Bank
+
+A financial institution that processes GSA SmartPay account payments on behalf of a merchant. It allows merchants to accept payments from the issuing bank within the authorization network.
+
+### Issuing Bank
+
+A financial institution that issues GSA SmartPay accounts to account holders and is responsible for paying the acquiring bank for the goods/services purchased.
+
+### Interchange Fee
+
+A fee paid by the merchant’s financial institutions to the card issuing bank for processing its customer merchant payment transaction. In most instances, the interchange fee is a percentage of the total transaction amount and is passed on to the merchant through its financial institution’s fees.
+
+### Brand Network
+
+A financial institution that dictates where payments can be processed and facilitates the payment process between account holders, merchants, and issuing financial institutions.
+
+### Processing Fee
+
+A percentage-based fee charged by the acquiring bank to the merchant on every payment processed.