Carta prepagata

Le carte prepagate (anche dette carte di credito ricaricabili o semplicemente carte ricaricabili) sono un tipo di carta di pagamento di debito (il pagamento è detratto dai fondi correnti).
Le carte di pagamento dette "prepagate" si differenziano dalle carte di debito e carte di credito poiché sono collegate ad un cosiddetto "borsellino elettronico", il cui accesso è garantito dalla carta stessa. Il pagamento viene addebitato istantaneamente: questa differenza sostanziale, con gli altri strumenti di pagamento, è un rilevante vantaggio per chi deve incassare l'importo essendo garantito l'immediato accredito. Molte carte prepagate sono associate e/o collegate ad un conto corrente bancario (carte conto con IBAN), spesso di tipo "light".
Le carte prepagate utilizzano solitamente gli stessi circuiti delle carte di credito (i più utilizzati sono VISA Electron e MasterCard).
Da distinguere dalle carte prepagate è la "gift card", o carta regalo. Queste sono emesse principalmente da piccole imprese (soprattutto esercenti) i quali a fronte di un pagamento immediato, erogano sulla carta un importo (spesso maggiorato di alcuni punti percentuali). Ad esempio, prepagando 50 euro di servizi presso un centro estetico, l'esercente può caricare sulla carta 70 euro. (fonte: Wikipedia)

Bacs Supports FinTech Company PFS to Become the First Non-Bank Entity to Enable Current Account Payment Switching

Five years ago the banking industry teamed up with the UK government to introduce the 'faster switching rules' which allow customers to switch their bank or building society accounts quickly. Named the Current Account Switch Service, it was launched in September 2013 and over 2.5 million switchers have now used the service. PFS has been the first non-bank participant to provide a partial version of the service, working directly with Bacs to enable customers to move their payment arrangements to their prepaid account in a simple, reliable and hassle-free way. PFS manages the whole process throughout, with the cardholder initiating the switch simply when they log into their online cardholder portal. The partial version provides complete transfer of payment arrangements, without closing the existing bank or building society account.
11/02/2016 09:00

Spending at Merchants on General Purpose Payment Cards Projected to Reach $48.670 Trillion by 2024 According to The Nilson Report

CARPINTERIA, Calif., Feb. 05, 2016 (GLOBE NEWSWIRE) -- Worldwide purchases of goods and services generated by credit, debit, and prepaid cards is projected to reach $48.670 trillion by 2024 according to the annual report Global Card Spending in the current issue of The Nilson Report, the top trade journal covering the card and mobile payment industries...
05/02/2016 18:30

Prepaid Financial Services (PFS) - Selected to Roll Out a National Government Payment Card Programme for Asylum Seekers in Europe

PFS has been selected to roll out a prepaid payment card programme to immigration processing centres for a National Government in Europe that currently receives over 30,000 asylum seekers per annum. PFS will provide prepaid MasterCard® cards that are distributed at the same time as the claimant is being processed in the centre, therefore eliminating the need for cash to be disbursed. This project is part of a wider deployment of e-money and prepaid solutions across multiple Government departments.
26/01/2016 09:00

Prepaid Financial Services (PFS) Announces the Sale of 5% of its Shares for £2.5m

Prepaid Financial Services (PFS), a leading e-money institution that specialises in prepaid card issuing, acquiring and providing alternative banking solutions via its own technology platform, today announced it has sold 5% of the company to a strategic investor after being valued in excess of £50m. The announcement comes during another record breaking year for the company, which following its 9 month accounts is on target to report growth of 50%, taking turnover to £28m+ and forecast EBITDA of £3.2m.
19/11/2015 09:00
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