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Card Attributes

For the majority of the programs we support, providing a one-time use prepaid Visa debit card accomplishes the clients goal. In some instances however, different options for the prepaid card may be needed in order to satisfy either the card recipient's requests or the company's requirements. For those programs we offer the following options... each of these are ONLY available for clients with an approved CoBrand card.

Reloadable Cards

The reloadable Visa Rewards Card is ideal for ongoing employee incentive or recognition programs where the payouts occur frequently. Cards can be reloaded by the program administrator online through our secure interface, or we can integrate to your existing system to automatically load a card as the communication is passed to us. Funds typically show up on the card within 4 hours of the request being made. Due to Anti-Money Laundering (AML) compliance and bank regulations, here are some of the requirements for reloadable programs:

Before a card can be reloaded, card recipients are required to register their card online and provide certain identifiable information.
No more than $1,000 can be loaded onto a card per week, and there is a maximum load of $2,500 combined thru the life of each card.
Funds must be kept in an account with us to reload values on each card. There is a fee for each reload.

ATM Accessible

Typically we don't recommend enabling a prepaid reward card to be ATM accessible because it provides the recipient a way to dispose of the card quicker, thus removing your brand from their wallet. We've also heard from some clients that there may be tax implications for giving a reward that can be redeemed for cash. In those instances where a program require this functionality or is demanded by card recipients, this feature can be added provided the following criteria is met:

Recipients must register their card online and provide certain identifiable information before they can receive their ATM PIN code.
PIN codes cannot be provided by our customer support team over the phone.
There is a maximum load value of $2,500 per card and fees will apply against the cards balance for ATM withdrawals, balance inquires, PIN based purchases, and cash advances.

Select Authorization

Merchants or retailers who accept credit card payments are typically set up to be identified by one of several hundred Merchant Category Codes (MCC's) which identifies the type of products or services they offer. A Select Authorization program allows you to restrict the use of your Prepaid Visa Rewards card to specific MCC's. This type of program is particularly useful for an incentive program that is providing rewards to recipients in a common profession to encourage their purchase behaviors. For instance, if a large hardware store was providing rewards to contractors based on purchase volume, providing a card that can only be used at hardware related merchants may influence them to spend their rewards at that merchants location.

There are a few restrictions with the Select Authorization programs including:

Select Authorization is only available on an MCC's and usage cannot be restricted down to a specific merchant or product level.
In addition to the terms & conditions provided with each card, card recipients must also be made aware of any MCC restrictions within your marketing collateral.
Certain MCC restrictions may not be approved such as those who request a card to only be used at a casino or tobacco outlet.