Enhance Your Business With Debit Cards

There is a common misconception among people that there is not much difference between debit cards and credit cards. You need to know that there is a huge difference between both of them. The major difference is that unlike credit cards, debit cards do not charge you with any interest rates.

A debit card used in organizations makes the process of paying the monthly salary to employees easy and fast, thus making the payday a smoother task to employer. A debit card is better in many ways than a credit card, as it saves you from incurring debts.

Organizations that have 300 to 400 workers usually use payroll debit cards. It is the best alternative and helps the employers to keep a track on their finances and other money related matters. It also gives budding entrepreneurs a chance to grow their businesses.

Next, by providing debit cards to employees, an employer can surely save considerable amount of money. It will also save time, as there is no need to prepare paychecks. A company using traditional payroll methods spends more on wire transfers and paychecks, but this is not the case with payroll debit cards.

For instance, if the cost of transferring money through wire transfer is $5 per head, then a company with 10 employees will have to spend $50 and a company with 300 employees will have to spend $1500. However, if money transfer is done through debit cards, then both the companies will be saving these amounts. This way, debit cards can reduce money transfer costs to a considerable extent.

You can also send money with the help of a debit card. You also get other benefits such as medical claims, provident funds and various other provisions. It reduces the hardships of employees and they can send money easily. Prepaid credit cards involve certain fee to send money, whereas prepaid debit cards allow exemption on sending and receiving money.

In fact, you will also get different types of payroll solutions through payroll debit cards these days. Your company can achieve maximum profit by making the best use of such payroll services. Proper payroll solutions software is necessary to ensure maximum profits.

All these benefits of debit cards will surely increase the productivity of your business and will help your organization grow.

Chuck The Credit Rating For Co-Branded Debit Cards!

By that we do not mean that you get rogue, but yea, simply get co-branded cards from companies like www.epayarea.com today. It is offering you the power to take the decision of buying things home, now and not later! For such branded prepaid card programs are finding more space with middle segment of the society, you know what customer base we are talking about.

Forget about the corporate sector, even banks have forayed into the co-branded debit card programs. They are now associating their names with other established brands like Visa and MasterCard. This strategy has helped these companies to form a brand image of their own.

These companies are introducing the co-branded cards to their existing customers. You can utilize these cards for as small buy as grocery shopping. Certain discounts are offered on your cards. It has been noticed that sales and revenues have grown since the inception of these very cards.

It is a growing hassle to carry cash when traveling. The generic debit card program is an easy solution to this. You can roam around any corner of the world and do as much shopping. Your co-branded debit card program is globally recognized and accepted everywhere. After all, Visa and MasterCard are the associates.

You can use these cards just like any other debit card but they have additional paybacks. With every co-branded debit card program, you get certain cash back offers, frequent flyer points or regular customer discounts etc. You can trace the points or discounts that you earned, on the epayarea.com.

The whole information about your card will be available on www.epayarea.com. You can track down the history of transaction since you took the card on these sites. It will also show you the remaining balance on your card. You can top-up your card by epayarea. It is that accessible from anywhere.

Online trading with card is on a secure network. Hence, generic debit card program is always PIN protected. Whenever you want, you can change that information and it is safe. On epayarea.com, you are enabled to change your card information.

It is the genre of co-branded debit cards that has changed the perspective of shopping and lifestyle. It has affected even the life of those who have no bank accounts. Even they can go for shopping without ready money. For their balance is now safe and can be counter-checked on epayarea. Go on and get one for yourself.

What Is The Best Prepaid Debit Card For Your Business?

If you are looking for payroll solutions, you may be wondering what is the best prepaid credit card for your business is. There is a choice between MasterCard and Visa and either are accepted anywhere you see the signs for these particular credit cards. A debit card works like a credit card.

Why a debit card instead of checks? A prepaid credit card will not cost nearly as much as a box of checks, plus it doesnt have the administration fees of a bank just for writing the check. It also costs only 5.00 to reload.

When you are looking at debit cards as payroll solutions, you may also want to consider that it is also cheaper to send money as well as receive money. This can mean a big savings to you and your company by using a prepaid credit card to pay your employees.

You will also pay a lot less for the cards through epayarea.com that you would than checks and transfers. To send money or receive money via one of these cards is a heck of a lot less than bank fees or paying for a box of checks. To receive money, you have no fees attached.

Why choose debit cards? The answer is simple. From an account based interface, you can not only manage your account but also pay your employees. It is easy to sign up for an account with Epayarea.com. Just go to the website and sign up for one. It is just that simple.

From your Epayarea section on your page, you can send or transfer payments as well as receive payments. Employees can also sign up and check their account via their own www.epayarea.com section of their homepage. One thing to remember with these cards is that they can be used at any place that accepts Visa and MasterCard.

Once at www.epayarea.com they can sign in and see how much is on their card from the Epayarea on their particular homepage. You will also need to go to this site and log into your account in order to pay your employees. The process is simple, really. All you do is use the form to pay, click and you are done.

So if you want a better bottom line, then why not think about doing payroll with a card through Epayarea.com that can be reloaded? This is easy to set up and administer and will cut out a lot of the fees that are associated with payroll administration.

Find Out How To Use Debit Cards For Payroll Right Here

When it comes to payroll solutions, a debit card is ideal. It gives flexibility not only to the employer but also to the employee. This prepaid credit card can be used anywhere a MasterCard or Visa is used and eliminates the need for a bank account.

With that being said, how do you use one to make payroll services easier? It is really simple. Places such as EPAY, Inc. and others allow you to sign up for an account and also allow you to make payment to these types of cards via the Epayarea of the Epayarea.com website located at www.epayarea.com

These cards then can be used anywhere that a Visa or MasterCard are used. This eliminates any need for a banking account as the PIN can be assigned by either employee or employer. This prepaid credit card can indeed by a lifesaver.

This can also be a big payroll solutions idea, as it is more cost effective to get these cards and reload them every pay period without the costs associated with writing and cashing checks. A debit card can be found most anywhere.

This is a much cheaper way to send money and for the employee to receive money. With EPAY Inc and other sites such as this, it is a breeze to send money to your employees and have them receive money without the bank processing fees.

One thing to remember when using this payroll solution for your payroll services is that it is indeed cheaper to purchase these cards and load them as opposed to simply writing paper checks and the associated banking fees that are also a part of the equation.

By using www.epayarea.com and paying from the Epayarea on your page, you will be able to transact payroll quickly and without all the fees associated with payroll. This allows you to get money quickly to your employees.

So this is a good payroll solutions to have for your payroll services. This can lower your costs dramatically, sometimes up to 30 percent over using wire or bank transfers. So if this interests you, why not go to www.epayarea.com and sign up for an account? This is a simple solution that will be paying dividends many times over.

Using Debit Cards For Payroll – Direct Debit Versus Direct Deposit.

It is important for a business to go about the payroll process as cheap as they can. Luckily, aside from direct deposit, there is this new phenomenon called direct debit. When looking for valuable payroll solutions, this is the way to go about it. This is one of the most affordable payroll services that you can invest in.

First of all, each employee is given a debit card. Rather than use the debit card they would normally use on their regular bank account, this one is specific to the money they make on the job.

Each pay period, the business, which is you, deposits money into the cards account for each employee. This enables the money to arrive in a very timely fashion. There are no paychecks to have to worry about because the entire process is electronic. If a mistake is made, it can be corrected quickly. Many corners are cut by the payroll department because no check is involved. If someone doesnt get their wages, the problem is easy to trace.

As for what the employee does with their money after the deposit, it is up to them. Just like any card that is attached to a bank account, this sort of card has a pin number that can be entered at an ATM machine and the cash withdrawn. The cash can be withdrawn just to have cash or it can be withdrawn to deposit in the employees regular bank account.

All-in-all, the way the card operates is no different than using the usual card issued by a bank. Bills can be paid with it, groceries can be purchased with it, and it can be used at a gas pump.

The reason why the card can be used in so many locations and situations is because it displays the Visa or MasterCard logo. This allows the card to be used as a credit card on purchases, which means not having to use the pin number on all purchases.

For the business, this is quite beneficial. Whether your business has 10 or 300 employees, it all works the same. This is an affordable system, a paperless one, and it is quick. The employees will enjoy it.

So if you need better payroll solutions for your company, using a prepaid debit card or prepaid credit card for each person that works for you will do a lot for you and for them. This is a safe and clean method of paying individuals and a great solution for all involved. When you look at the numbers, youll be amazed at how much money and manpower is saved.

Three Benefits To The Debit Card Payroll Solution System.

More and more companies are discovering the benefits to using a debit card payroll system when it comes to their payment plan. A debit card offers payroll services that will save you more than just money on your annually employment expenses. Essentially, a debit card payroll services account allows you to direct deposit your employees pay check into their bank accounts. They can retrieve the money with their debit card or prepaid credit card.

Not convinced that a debit card payroll solutions service is right for your company? Below weve listed three benefits to using the direct debit that may change your mind:

You are helping the environment. Weve all seen the facts and figures about the state of the environment and we also all know that we should be doing something about it. By switching to a debit card payroll system, you are actually doing something about it.

First of all, with a direct debit payroll services, you can send money to your employees directly into their account. Your employees can also save time and effort cashing checks as well as money from the processing fees from their local bank. The money usually takes less than 24 hours to process so they will receive money the next day.

You are making it easier for your employees (and yourself). Every time you give your employees a check, it is up to them to head to the bank, pay the fee and cash the check. For those with families and engagements outside of work, this can be very frustrating. With direct debit, you are making it a lot easier for them to receive money without having to make that extra trip to the bank. This small gesture will go a long way in your employees eyes.

With debit card payroll services, you are doing your part to help your employees, Mother Nature, and, of course, your companys financial situation.

There are no processing check fees and no annoying bank lineups every Friday evening.

Now, perhaps you have a larger company with 300 plus employees and are considering the switch to debit card transactions. It will take you an entire day to write out 300 checks biweekly, not to mention it will end up hurting your wrist. By switching to a debit card payroll system, according to the APA and American Bankers, you may be able to cut back over $6,200 annually on check cutting costs, which equates to $520 monthly.

Foreign Workers And Money Transfers: Hand in Hand!

To send money through wire transfer has been a prime concern for the foreign workers. It has always cost their pockets dearly, but not anymore! For debit card payments have made it very economical. It is also easier for the families to receive money via debit card, with no additional costs attached. Among other methods, there have been bank transfers and the prepaid credit card.

The perfection of the debit card lies in spontaneity. You can travel internationally and have the access to cash anytime. To send money is hassle-free as is to receive money. You can be on the move without any kind of financial dependence. Similarly, with prepaid credit card!

Usually prepaid credit card is used by families for their kids. In this, the receiver must have a secondary card, which is to be topped up by you. Thereafter, it can be used for immediate cash withdrawals as debit card or shopping. This way, to receive money is as immediate as you send money.

Money transfer is a necessity lived by with every individual. In a prepaid credit card or debit card, you can keep a log of the expenditure. Parents usually facilitate their kids with such cards. Hence, to send money or to receive money is under your control even if the card is with your kids.

It is the most useful for professionals like sea farers to have debit card or prepaid credit card. They end up traveling worldwide with no cash and this gives them accessibility to send money home or receive money via withdrawals.

As parents, you can control the expenses of your child via prepaid credit card. This allows you to send money to them. They can either receive money via ATM or use it as a debit card to buy things. Hence, you can avail the kind of flexibility that you desire.

As the wire transfer through bank is pricier, the base of foreign workers is shifting to debit card. It has laid wide options to send money and receive money hassle-free.

Now worry no more about financial issues. You have the dependence of debit card and prepaid credit card. Send money home without thinking twice about the tax percentage involved and receive money in no time.

The Debit Card And Payroll Relationship – A Match Made In Heaven

More and more companies are discovering the benefits to using a debit card payroll system when it comes to their payment plan. A debit card offers payroll services that will save you more than just money on your annually employment expenses. Essentially, a debit card payroll services account allows you to direct deposit your employees pay check into their bank accounts. They can retrieve the money with their debit card or prepaid credit card.

Not convinced that a debit card payroll solutions service is right for your company? Below weve listed three benefits to using the direct debit that may change your mind:

- You are helping the environment. Weve all seen the facts and figures about the state of the environment and we also all know that we should be doing something about it. By switching to a debit card payroll system, you are actually doing something about it. The debit card payroll solutions can limit the amount of paper as the process is all electronic. You can choose to give out pay slips in paper or electronically which most technological-savvy employees prefer anyway.

Imagine what this means for a larger company, with, say 300 employees. Instead of spending hours signing each check before sending it out to your employees, you can use a direct debit service where the money is automatically transferred. In check cashing fees alone, you can stand to save more than $500 monthly or $6,000 annually, according to the APA.

Furthermore, you are also saving money on paying your accountants overtime every second Thursday to ensure the checks are created as well as countless trees by switching to a paperless system.

Your employees will also be thrilled with this new system. They can receive money directly to their account which limits the need to visit the bank to deposit their check. They can simply withdrawal what they need and keep the rest in their savings account.

There are no processing check fees and no annoying bank lineups every Friday evening.

Now, perhaps you have a larger company with 300 plus employees and are considering the switch to debit card transactions. It will take you an entire day to write out 300 checks biweekly, not to mention it will end up hurting your wrist. By switching to a debit card payroll system, according to the APA and American Bankers, you may be able to cut back over $6,200 annually on check cutting costs, which equates to $520 monthly.

Transferring Money Just Became Easier For Foreign Workers.

For eons, the money transfer through banks has been pricier for foreign workers. The genre of debit card and prepaid credit card has now replaced it largely. To send money from abroad and to receive money at home has become a cake walk.

The provision of prepaid credit card allows you to send money through a secondary card. Then get this card top up in order to receive money. Thus it becomes easier to allow cash transfers to your family, even when you are sitting in different continents. This card can be used for shopping as a debit card or to withdraw cash from ATMs too.

Usually prepaid credit card is used by families for their kids. In this, the receiver must have a secondary card, which is to be topped up by you. Thereafter, it can be used for immediate cash withdrawals as debit card or shopping. This way, to receive money is as immediate as you send money.

Many small sized businesses are largely making use of the prepaid credit cards for funding their employees salary. It saves them the effort to write checks while saving on taxes as well. They send money to different accounts via debit cards and receive money through the same. Hence, it saves them all the surplus bank charges.

By and large, every country has foreign workers and they all face the same problem. After all, it is imperative for one to send money and the other to receive money. The debit card has allowed one to go mobile internationally, whereas, a prepaid credit card is more beneficial for family purposes. You can offer financial security to your kids yet keep an eye on their expenditure.

Interestingly, either it is debit card or a prepaid credit card, the benefits are large. It offers the flexibility of time and place to send money to your family. To receive money, the family does not have to wait much. It is more efficient and handy.

As the wire transfer through bank is pricier, the base of foreign workers is shifting to debit card. It has laid wide options to send money and receive money hassle-free.

Now worry no more about financial issues. You have the dependence of debit card and prepaid credit card. Send money home without thinking twice about the tax percentage involved and receive money in no time.

Epay Inc. now offers the first int. debit card payout service with 0 conversion fee.

Panama City, April 28, 2009 ” EPAY Inc, in cooperation with prime MasterCard issuer, has finally created the program allowing global companies to conduct payroll transfers through EPAY debit cards with NO FOREIGN EX. CONVERSION fee. This was announced recently by EPAY Inc., a Panama-based corporation engaged in financial solutions, payroll services, e-wallet services, money transfer services, e-payments processing, prepaid credit cards issuance, and other related activities.

www.epayarea.com representative said that any company worldwide can now utilize EPAY Inc. services starting from as low as $4.99 per card and make payouts to its workers, affiliates, clients etc. through EPAY Inc. prepaid Mastercards with high USD 10,000 monthly limit per prepaid card.

This new program saves users at least 3% in all transactions to each cardholder. EPAY Inc. is the first to release such lucrative program that has services being offered world wide. The card program is ideal for international cardholders. There are no competitors for EPAY Inc. in the international market, as others are US card issuers, and they are allowed to work only with US residents due to US legislation. There are also UK card providers who are also limited to UK residents due to UK legislation. Lots of providers recently have lost their licenses violating these regulations and thousands of cardholders of those providers lost their money. EPAY Inc is the only provider allowed to provide this service to international cardholders on a fully legal contractual basis, EPAY Inc. representative also said.

EPAY Inc. website clearly states their clients protection program: EPAY Inc. members funds are completely protected because they are stored in strong banks and protected from any claims, including creditors claims. EPAY Inc. does not provide investment services and does not invest members funds at any time during remittance. Online transactions conducted through www.epayarea.com are backed by a US$ 1,000,000 warranty.

EPAY Inc. prepaid credit cards can be used by European, Asian, American, Pacific and other companies to meet various companies needs such as:

- Dividend, Incentive, Forex payouts ” Employers, Contract Agencies,

- Membership based affiliate applications i.e. Credit Unions, Banks with an existing account holder base

- Loans and micro loans, Remittance Payout Applications

- Insurance payout transactions, Pension payout plans

- Commission based services ” Network Marketing Organizations (MLM), Affiliate companies

- Tourism and Travel, Remittance Transactions Card Schemes

- Gas stations, Telecommunications, TV companies, stores, supermarkets

- Gaming: casino websites, online poker websites, waging and sports betting, etc.

- Services: phones, insurance, various utilities etc.

EPAY Inc. prepaid credit cards can be used anywhere in ATMs, POS and online, as well as for verifying and adding to online accounts (paypal, ebay, google adwords, alertpay, moneybookers, neteller, etc) for funding/withdrawal. worldwide cardholders are accepted.

EPAY Inc. card payout service can be used by corporations from any region, any business model and any size. No matter whether a company needs 5 or 100,000 cards ” EPAY Inc. will provide prepaid credit cards and servicing on the best level. For those corporations who wish to have their company name, logo or even fully branded design on their cards, EPAY Inc. will develop:

- Generic Debit Card Payout Program

- Co-Branded Debit Card Payout Program

- White Label Program

- Co-Branded Prepaid Credit Card Payout Program

- Generic Prepaid Credit Card Program

- Branded Payout MasterCard Program

- Embossed or unembossed program.

Epayarea.com prepaid card is highly beneficial for cardholders. We are the first to provide one card that can be used anywhere through millions of ATMs, POS and even online transactions all over the world. Our cardholders can also enjoy the benefits of high daily/monthly limits with the safety of our strong fraud and scam monitoring system, Epayarea.com source stated.

www.epayarea.com platform is currently used by over 41,000 members to date. The EPAY Inc. prepaid Mastercards may be used as debit cards, payroll cards, and loyalty cards all rolled into one. Banks, credit unions and other financial institutions are welcome for cooperation. For more details, interested parties are encouraged to contact by email at business@epayarea.com or check their website at www.epayarea.com.