Prepaid Cards
A card. No bank required.
For millions of Americans, a prepaid card is the primary banking product. CellPay's general-purpose reloadable (GPR) Visa card gives cash-first customers full digital spending power — issued, activated, and reloaded at your counter. Cards are issued by an FDIC-insured partner bank.
Overview
How it works on the rail.
Customers walk in, complete a short KYC flow, and walk out with a fully activated Visa prepaid card. They can reload it in cash at any CellPay location, use it anywhere Visa is accepted, and manage the account through a customer app — without ever opening a bank account.
What you get
- In-store card issuance with real-time KYC
- Cash reload at any CellPay retail location
- Direct deposit acceptance (payroll, government benefits)
- Customer mobile app for balance, transactions, and controls
- Full Reg E protection and dispute rights
- Merchant commission on issuance and reload
Common Use Cases
Where prepaid cards shows up.
The Unbanked Payroll
Workers receiving direct-deposit payroll onto a CellPay card instead of cashing checks each week.
The Digital-Access Bridge
Customers who need a card for online purchases but don't have or want a bank account.
The Family Card
Parents issuing prepaid cards to children or dependents with controlled spending limits.