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Stored Value Cards are magnetic-stripe plastic cards, issued or backed by a bank or other financial institution. The "open loop" stored value cards are issued with card association branding, like MasterCard® or Visa®, and can be used anywhere these association brands are accepted. Examples of open loop stored value cards include gift cards, payroll cards, and teen cards. "Closed loop" stored value cards are issued by a specific merchant or merchant group (i.e. a department store) and can only be used at that specific merchant or merchant group. Both open loop and closed loop stored value cards utilize existing processing networks. For this reason, consumers can spend up to the value loaded on their cards, and can reload the card at any time or dispose of it when the funds are used up. The Stored Value Card is usually NOT imprinted with the customer's name; only the account number appears on it. The Stored Value Card utilizes encrypted communications and electronic banking protocols to create a secure solution for the cardholder and the merchants. As with a credit or debit card, holders of Stored Value Cards are able to purchase goods and services from participating on-line merchants as well as all PIN based POS systems. As with traditional credit, debit, and ATM cards, holders of open loop Stored Value Cards are able to withdraw cash from all ATM machines. Unlike traditional credit, debit, or ATM cards, Stored Value Cardholders can obtain a card without regard to their credit rating or ability to open a bank account.
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Optional use of Chore & Allowance system!
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BuyRIGHT is RIGHT for you!
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Guaranteed Approval*. Earn Reward Points on Every Purchase.
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Credit problem? No problem!
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Choice of Flat-fee or Pay-as-you-go Fee Plans.
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Get the perfect alternative to a bank account!
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