Firstly, we''re looking at prepaid as an alternative in terms of using it for home delivery and direct to consumers. And that''s one of the tests that we''re doing with the MoneyWise card and we''re seeing good optic on that and good performance there.
And then the other piece of it is, how do we expand our gold program where we have about eight million consumers in the U.S. on the Gold card and can we move them over to the prepaid and we''re seeing uptick on that as well.
So I would say that as we come into 2010 we''ll be in a better position to clarify exactly the size we''re looking at because we are testing a lot of alternatives. But preliminary, we''re very pleased with what we see.
We also see good metrics in terms of profitability and in terms of return for the company, so we''re not -- we''re not giving ourselves a difficulty in terms of margin. So I think all of the things are lining up extremely well and as we bring our plans to you for 2010, we can give you a little more detail on that.
Gregory Smith - Duncan Williams Inc.
Okay. Great. And then, just a few more comments about the payment services directive has, you''ve obviously had some nice announcements and new agents. Have things kind of met your expectations on that front and progressing as you expected or have there been any stumbling or road blocks in anyway?
Christina A. Gold
You know, it''s gone really well, Greg, because there''s a couple of things. Firstly, the acquisition of FEXCO has been an important part of this and our integration has been excellent and then with the 15,000 announcement and letters of agreement, that''s something we''re very pleased with. But we certainly see there is a lot more runway to grow here, so our team is working actively to sign up more locations. So look for more news from us over the next couple months.
Gregory Smith - Duncan Williams Inc.
Okay. Great. Thank you.
Christina A. Gold
Thanks.
Scott T. Scheirman
Thanks, Greg.
Operator
And our next question will come from the line of Kartik Mehta with Northcoast Research. Please proceed.
Kartik Mehta - Northcoast Research
Thank you. Scott, you mentioned as far as margins and why they would be down in the fourth quarter and I think you mentioned three things. I was trying to understand on the marketing side, is it this fourth quarter will you be marketing more this fourth quarter than you have previously or is this normal for seasonal?
And then on the money order, the negative impact you''re going to have in the fourth quarter, would that also play out for the remaining three quarters as well or can you talk about how that might work?
Scott T. Scheirman
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