What does 'Cardholder' mean in the context of the Dq Treat stored value card program?

According to Dq Treat's 2025 Franchise Disclosure Document, a "Cardholder" is defined as any person possessing or using a Card or Card number in the context of the stored value card program. This definition is important for Dq Treat franchisees because it clarifies who is authorized to use the cards and whose transactions the franchisee will be processing.

This definition is relevant to the authorization process for card transactions. GIFT (First Data Resources, LLC) will respond to authorization requests and process card transactions, reducing the card balance by the authorized amount. The Dq Treat franchisee is responsible for obtaining payment from the Cardholder for any deficiency between the purchase price and the amount authorized by GIFT. This means the franchisee needs to ensure they collect the full payment from the person using the card, especially if the card balance doesn't cover the entire purchase.

Furthermore, GIFT operates help desks to provide support for both Cardholders and restaurants. A Level I help desk is available 24/7 (excluding Christmas Day) to provide cardholder and restaurant support via a toll-free number. This support system is crucial for resolving any issues or disputes that may arise during card transactions, ensuring smooth operations for both the franchisee and the cardholder. The definition of 'Cardholder' helps delineate who is eligible for this support.