Key takeaways

  • EBT card technology advancements make it easier and more efficient for merchants to add EBT payments to their MOP strategy
  • Broadening the participating EBT merchant universe helps assistance receivers access healthier, more nutritious foods
  • Reducing EBT program adoption barriers for all parties in the transaction contributes to community health and well-being

Electronic Benefits Transfer (EBT) technology is playing a crucial role in making a healthier life more affordable and accessible for those in need while it also makes it easier for merchants to sell goods in their communities. By tackling many of the challenges that once encumbered adoption and use, EBT cards help improve benefit access for recipients, broadening the number of participating retailers that accept EBT payments and enabling recipients to shop easily and conveniently.

The vital role that EBT programs play in building healthier communities

A lifeline for millions of low-income families, EBT cards allow families to access healthy, affordable food from grocers, farmers’ markets, and local shops. And merchants that accept EBT cards get to play an inclusive role in their communities and build their clientele.

For all the positive, uplifting attributes that government subsidy programs provide however, accessing healthy and affordable food can be a major challenge for many eligible shoppers living in low-income communities across the United States.

First, more nutritious fresh fruit, vegetables, and proteins are often prohibitively expensive for marginalized communities — if they are available at all. More important, there are often fewer grocery stores in low-income areas, compounding the problem. This is true even in some of the country’s largest cities where “food deserts” as they’re known lack stores that predominantly sell nutrient-rich, perishable foods.

Several EBT programs work to alleviate the hardship many low-income families face. Key among them:

Special Supplemental Nutrition Program for Women, Infants, and Children (WIC) bridges the affordability gap for low-income families by offering financial assistance for specific food types and baby formula. During 2019 WIC helped more than 6.4 million recipients, making it easier for mothers and children to get the nutrient-rich foods they need.1

Supplemental Nutrition Assistance Program (SNAP) provides financial assistance for qualifying families and individuals that need affordable, healthy food. SNAP shares many of the same benefits and goals as the WIC program but is open to individuals and families with children over the age of five. In 2019, SNAP supplied nearly 36 million American households with aid to purchase groceries, making it one of the largest assistance programs nationwide.2

Temporary Assistance for Needy Families Program (TANF) helped more 2 million families3 across the country in 2019 by providing state agencies with funding that helps families afford the staples of daily life. These can include not only food but also clothing, furniture, transportation, and medical supplies, among many other items. Benefits vary by state, and each individual state may place different limitations on eligible items.

Empowering more EBT users to shop proudly—and more merchants to welcome them

Before EBT cards, participants had to rely on food stamps or other paper vouchers, presenting acceptance challenges at stores in many neighborhoods and sometimes stigmatizing EBT shoppers. In more extreme cases for example, “WIC-only” stores would appear in communities, often charging more than market prices for goods that were WIC-approved. These barriers to participation made it harder for recipients to use the subsidies for which they qualified.

Now, with the advent of EBT technology, more stores can participate in these benefits programs, empowering recipients to shop where their dollar goes the farthest. Whether it’s fresh food or back-to-school shopping, EBT cards make it easier for everyone involved in a purchase to get what they need quickly and  efficiently. Because they are PIN-based, EBT cards also increase security for both cardholders and merchants. Encouraging broader acceptance of EBT payments can translate into better options for consumers as well as healthier communities in the long run.

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Making EBT work better for businesses

For all the strengths of the WIC, SNAP, and TANF programs, in the past they were accompanied by several impediments to broader merchant adoption at retail. Navigating the paper voucher “food stamps” version of these programs meant that participating merchants had to work with secondary systems to process these payments.

Merchants can now accept EBT payments without having to run a parallel system. Instead, they can integrate EBT support directly through their Method of Payment (MOP) rather than a stand-alone or add-on solution as was required in the past.

It’s easier than ever to add government benefit payments card acceptance to your store’s payment options. No special equipment is required. EBT cards work just like debit cards at the point of sale, where users swipe their card and enter their personalized PIN.

Accepting EBT payments today enables retailers to attract a broader range of customers, boosting revenue while helping to strengthen the surrounding community.

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How we can help

The technology behind EBT enables businesses to enjoy an easier, seamless transaction experience that builds upon their existing merchant services setup. It empowers merchants to serve a broader section of their respective neighborhoods and provides assistance recipients with more options for purchasing everyday staples.

At J.P. Morgan Merchant Services we recognize the value of anytime, anywhere and any currency payments. And we are proud to bring leading-edge technology and powerful information management tools to EBT card payment acceptance.

As an example, our new eWIC program is a solution that includes card acceptance, settlement, and management tools and services. The program also includes the ability to earmark specific SKUs that are eligible for WIC subsidies within a store and divide purchases between WIC-eligible products and other items within one receipt.

When program participants can redeem their benefits more securely, effectively and without stigma community health and well-being prospers. And when we can help retailers reduce barriers to adoption by accepting EBT cards just as they would all other debit or credit cards, it’s a win-win situation for all parties. 

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For more information, talk to your J.P. Morgan representative today, or call or visit us at 1 888.866.8869



Ameeta Devaprasad

Executive Director

Scott Gilmour

Vice President



USDA Food and Nutrition Service, WIC Data Tables,


Supplemental Nutrition Assistance Program Participation and Costs as of May 8, 2020,


TANF: Total Number of recipients Fiscal Year 2019,