We just completed our second field trial of our KulaMula cash-back bill-pay system with 5 consumers brands who collectively conducted 852 20-second interviews with about 150 bill-payers.  The results for both brands and bill-payers were extraordinary with average offer acceptance rates well above 50% -- meaning that more than 1/2 of the brand-offers presented, after customization, were accepted by bill-payers.

The other good news is that we received a lot of great feedback from our bill-payers which I've addressed below:    

Q: How will I get cash back?  
A: Micronotes transfers the cash into the bill-payers account via ACH at the end of each month -- which shows up as a credit.   Typical cash-back amounts are $5 per month for people paying 5 bills per month.    

Q: "tell me that i only have to answer 4 short questions and i get the $1 credit now!!!"
A: Bill-payers answer 4 short questions for $1 cash-back which is accumulated and transferred into her account at the end of each month.  

Q: "assure me that the questions are inline and not a survey that takes me off the site that requires more user action (ala post purchase on ticketmaster)"
A:Correct, bill-payers are never taken off their bill-pay site and it's a zero-spam system.   

Q: Cash back on what? the bill payment? my bill?
A: Micronotes transfers cash-back amounts directly into the bill-payers account in the form of a credit.  The bill and bill amounts paid are unchanged from the normal bill-pay process.

Q: "may 'we' or the the 'payee' email a coupon? who is getting/owns my data? will my info be shared with anyone else? will i be added to any lists?"
A: We never reveal or share personally identifiable information or email addresses with the brands; we, Micronotes, only email bill-payers offers they ask for. Micronotes holds bill-payer profiles in an encrypted & privacy-secured database. 

Q: Can you guarantee next day payments? what about weekend?
A: Micronotes does not alter the bill-pay functionality of your bank so, any functionality your bank has will remain -- as is -- after you opt-in to Micronotes including next day payments, etc.   

Q:"how do i opt-out of this ad/promotion system entirely?"
A:"Click the "Close" X - button in the dialogue box and uninstall the application"

Q: "is there a minimum or maxium payment amount?"
A: No, the bill-pay system functions exactly as it does now with the KulaMula cash-back enhancement. 

Q: "which payment account is my payment coming from?"
A: Whichever account is attached to your online bill-pay.  Again, the bill-pay transaction flow is unaltered by the KulaMula application. 

We've got loads more feedback which I'll be commenting on in coming posts - feedback is very welcome!