Payroll / Group Card Servies

Payroll Card/ Group Payments Cards: Faster, more efficient and lower cost funds distribution to payees. Our cards have the same functionality as direct deposit since our cardholders enjoy flexible funds access with or without bank accounts. These advantages can be extended to include recurring private companies or Government payments (e.g. salaries, pensions, retirements, union dues or other payments). Our cards be activated, funded, and used the same day

Overseas clients transfer funds electronically to their intended recipients promptly processed by an issuer in the United States eliminating bottlenecks and exorbitant costs.

No credit checks.
No bank account is needed. Currently in USA, some 47% of people do not own bank accounts or obtain bank credit. Figures reflecting in most other countries are much higher than this – especially in Africa and Asia.

• No monthly payments are required to be made to a financial institution.
• No interest charges.
• Cards are re-loadable and good for the amounts placed on them at retail locations worldwide.
• No overdraft can occur.
• Load funds from any banking account.
• Customer can direct deposit funds into his/her card account.
• Customer cards are PIN based, and funds are accessible to customers at ATM machines worldwide. Access to millions of vendors that accept MasterCard worldwide.
• Shopping online and offline for products and services is made easier with our international MasterCard.

Our system is electronic, checkless and provides the customer a virtual bank account. By utilizing the smartcard technology in our cards, we eliminate the connectivity issues, which usually inhibits the introduction of similar cards in many countries (since value is stored in the card, and there is no need for confirmation of stored card value).

Our system eliminates the need for clients to carry a large amount of cash for common transactions in the countries we operate. For the merchant, it eliminates the need for them to keep large amount of cash in their store. Eliminating the need to have a large amount of cash controls incidences of theft and robbery.

• Cards can be loaded and sent to the recipient. The cards can also be recharged from several locations around the globe or via.
• Enhanced security and trust: Our smartcards remove loopholes inherent with the magnetic strip card system that makes it susceptible to fraud. Each card is also insured by the FDIC for up to $100,000.00.
• Companies can implement an incentive program for their employees utilizing prepaid cards.
• Companies can control and track internal costs by utilizing our cards, and can limit the amount of expenses.

Educational Cards:
We can work with institutions of higher learning to provide their students with smart- card enabled identification cards. These cards are not only prepaid cards like our other stored value cards, but they can also be used to make telephone calls. Better yet, a parent can make specific allocations on how the funds stored in the card are spent by the student. Example, a parent may allocate monthly expenses of $200 for food; $150 for automobile expenses; and $500 for rent. Assuming the student wants to spend $10 on alcoholic beverages (which is not on the list), that payment will not be authorized by our card.