Payroll / Payroll + Cards

PayrollPayroll Cards are re-loadable (fundable) prepaid MasterCard which are provided to employees for the administration of payroll, commissions and other forms of compensation. Employers can easily deposit wages onto the card for immediate availability to employes. Once the wages have been deposited to the card, the employees can use the card for payments anywhere that MasterCard is accepted and for cash withdrawals from ATM´s worldwide.

With Payroll + programs, employees can also load directly onto the card to increase the value available.

The target employees include the un-banked, seasonal, commissioned, expatriates and those seeking an alternative to traditional banking. There are literally hundreds of millions of potential users whom in the absence of a payroll card program have to use high cost cheque cashing services, money transfer services or are exposed to the risks of carrying cash.


Payroll cards are provided to employers who in turn market the benefits to their employees, highlighting this safer, less expensive option for un- banked or under-banked employees to receive their wages. Employees are advised of the benefits of instant access to cash via established ATM or POS terminals while providing the safer option of utilizing the cards at millions of MasterCard and Visa merchants worldwide.

For Employers, payroll cards offer an alternative to printing and mailing paper cheques and using them can eliminate the issues surrounding cash payouts. Payroll card programs are ideal for employers, payroll processors and financial institutions providing payroll services. Payroll cards can be offered as a value added service or as an additional feature to core payroll services.


  • Branded with MasterCard log
  • Reloaded (funded) with each payroll via direct deposit
  • Accepted at ATM and Point of Sale locations worldwide
  • Optional card personalization
  • Easy access to card activity online, via sms and by telephone


  • Immediate funds availability
  • No checks to cash or to deposit
  • No bank account required
  • Safer than cash
  • Easy access to reports
  • Can have linked card for transfers to family members
  • Enables online and mail order purchases


  • Reduces costs vs. paper checks and cash
  • Detailed reporting
  • Easy to implement
  • Value added benefit employees