Prepaid Card Programs for Payroll, Benefits, Incentives, and More
A prepaid card is a stored-value card that can be loaded with a specific amount and used wherever the card network it runs on is accepted. Unlike a credit card, the spending is limited to the loaded balance. Unlike a check, there is no bank account required and no clearing delay. We build prepaid card programs for a range of business applications: employee payroll, benefit disbursements, customer incentives, rebate programs, travel allowances, and more. Each program is configured around your specific use case.
How Businesses Use Prepaid Cards
Payroll cards
For employees without bank accounts, a payroll card is a practical alternative to a paper check. Wages are loaded directly to the card on payday, and employees can use it to pay bills, make purchases, and withdraw cash at ATMs. This is covered in more detail on our Electronic Payroll page, but the two programs work closely together.
Employee incentive and reward cards
Companies use prepaid cards to reward employees for performance, attendance, or milestone achievements. A loaded card is more tangible and flexible than a gift certificate for a specific store, and it is easier to administer than a bonus payment through payroll.
Customer rebates and refunds
For businesses that offer rebates or process refunds, a prepaid card is faster than mailing a check and more practical for customers than a credit back to a card that may no longer be active.
Travel and expense cards
Businesses that send staff on the road can issue prepaid travel cards with a set allowance rather than requiring employees to use personal cards and submit expense reports. Spending is visible in real time, and cards can be reloaded remotely when needed.
Customer promotional cards
Prepaid promotional cards work similarly to gift cards but are typically distributed as part of a marketing campaign rather than sold. They drive customers to your location with a specific incentive amount.
Card Types We Offer
We offer two primary card configurations depending on the use case:
- Anonymous stored-value cards that carry no individual name, suitable for rebates, promotions, and single-use incentives
- Personalized cards with the cardholder's name embossed, suitable for payroll and ongoing employee programs
Both are available as single-use or reloadable, depending on your program requirements.
What Our Prepaid Card Programs Include
- Personalized setup consultation to identify the right card type and program structure for your needs
- Fast transaction processing at the same speeds as standard credit and debit cards
- Real-time balance tracking to prevent cardholders from exceeding the loaded amount
- Remote reload capability so cards can be topped up without being physically present
- Accurate accounting and reconciliation tied to your merchant account reporting
- Safety of no-check distribution, with no mail loss or delayed access risk
- Marketing consultation and advice on maximizing program results when you sign up