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PAYCARD PORTAL ®
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APA Visa® Paycard Portal
A broad discussion of how and why paycards are used. Numerous benefits that paycards can provide to both employers and employees. A discussion of the decisions employers will face before putting a paycard option into place. Links to current regulations, state laws, case studies, and white papers published bythe Federal Reserve Bank, APA, Visa, vendors and others.
 
 
 

 

 

Welcome to the APA Visa Paycard Portal, a partnership between the American Payroll Association and Visa. The APA Visa Paycard Portal is the industry's top resource for payroll and finance professionals to learn about payroll card programs and Best Practices, research state laws that allow 100% electronic pay, keep updated on legislative efforts, and ask questions of payroll card experts. Keep checking back for special news updates and access to valuable resources from Visa and the APA.

 

 

Confused about the difference between Paycards and other prepaid cards? 

To learn more, click here.

 

 

 

                                

                           

 

States Where Employers May Eliminate Paper Paychecks

To learn more, click here.

 

Save payroll costs with Visa

Visa Payroll Card

The Visa Payroll card is a payment solution that helps businesses reduce payroll costs, increase efficiency, and build employee loyalty. It's the ideal alternative to traditional payroll checks and a great complement to your existing direct deposit initiatives.

 

Payroll Card Best Practices

How do you create awareness and excitement for your paperless pay initiatives. How do you avoid common obstacles to achieving paperless pay? Learn the steps you need to take to achieve 100% electronic pay distribution in the FREE eLearning webinar from the American Payroll Association and Visa. Register.

 

Free Checking May End; Electronic Payroll Doesn't Have To

As banks raise fees and minimum balance requirements, the declining appeal of checking accounts threatens direct deposit participation. In this webinar you'll discover how to maximize electronic payroll adoption -- even as employees abandon checking accounts -- by offering payroll cards as a low-cost alternative. Register.

 

Going Green: Implementing a Paperless Paycard Program

Eliminating paper not only simplifies the payroll process, but also increases your company's bottom line. In this FREE eLearning webinar from the American Payroll Association and Global Cash Card, learn techniques to maximize your "go green" potential. Register.

 

Benefits of Payroll Cards

  • Expand electronic pay to all employees by offering payroll cards as a complement to your direct deposit program for those employees still receiving paper checks - everyone qualifies as no credit check or bank account is required
  • Reduce costs associated with check printing, processing, overnight delivery services, and out-of-cycle checks
  • Increase the security and reliability of distributing wages to employees and avoid costs for reissuing lost and stolen checks
  • Ensure employees receive their pay, even in the event of an office closure or natural disaster
  • Help ensure your company is in compliance with legal requirements for timeliness of termination pay
  • Save your employees check-cashing and money order fees
  • Provide all employees with a faster, safer, and more convenient way to get paid
  • Provide employees the ability to make purchases or pay bills by phone, online or mail wherever Visa debit cards are accepted


Promote Direct Deposit as a Disaster Preparedness Tool

PAYTECH: Government Corner (December 2011) PDF Article

California Paycard Bill Vetoed

Payroll Currently: Inside Washington (November 2011) PDF Article

California Paycard Bill: APA Asks Members to Write to Senate

Payroll Currently: Inside Washington (September 2011) PDF Article

Unfavorable Paycard Bill Progressing Through California Legislature

Payroll Currently: Inside Washington (July 2011) PDF Article

Fundamental Principles for Paycard Legislation

PAYTECH: Government Corner (June 2011) PDF Article

 

APA and Visa invite you to submit your paycard questions!

E-mail: questions@paycardportal.com

Each month industry pros, Cathy Beyda and William Dunn, CPP will answer selected questions about paycards. Look for updates at the begining of each month!

 

 

December "Points from the Pros"

Q. May an employer require all employees to receive their wages on a paycard? C.T.

Read the complete explanation PDF Answer

 

November "Points from the Pros"

Q. Can an employee withdraw all of his or her wages from an ATM at one time? L.M.

Read the complete explanation PDF Answer

 

September "Points from the Pros"

Q. May payroll cards be used to distribute workers' compensation benefits?G.W.

Read the complete explanation PDF Answer

 

July "Points from the Pros"

Q. Some banks do not grant customers an account if their credit is bad or if they owe money to a bank. Do payroll cards work like this? E.V.

Read the complete explanation PDF Answer

 

Q. Are there monthly account fees charged by Visa for the paycard to the employer or employee? K.F.

Read the complete explanation PDF Answer

 

June "Points from the Pros"

Q. Are there any fees charged to employees who receive their wages on a payroll card?

Read the complete explanation PDF Answer

 

Q. Can an employee get cash without having to pay a fee if he or she does not have a bank account? N.C.

Read the complete explanation PDF Answer

 

May "Points from the Pros"

Q. How do you deliver pay stubs (if electronic delivery is not available) when pay is made through a paycard? Won't you still have the expense of printing and mailing pay stub? G.S.

Read the complete explanation PDF Answer

 

Q. Are employees able to use both direct deposit and paycards? K.H.

Read the complete explanation PDF Answer

 

April "Points from the Pros"

Q. What happens when an employee loses his or her payroll card? How long does it take to receive a new card? How does the employee access his or her wages in the meantime? Can the original card still be used if it is found by the employee or someone else? A.F.

Read the complete explanation PDF Answer

 

Q. What states require that the employer offer a paper paycheck as a form of payment in addition to a paycard or direct deposit? C.R.

Read the complete explanation PDF Answer

 

March "Points from the Pros"

Q. I am curious about paystubs for direct deposit employees. When you implement a paycard, say through Visa if that is the paycard company you are using, employees can go online and view their paystubs. What about employees on direct deposit to whom we already provide paystubs? Is there a way that employees on direct deposit can view their paystubs online through Visa? How would I contact a representative to see if this is right for our employees? V.H.

Read the complete explanation PDF Answer

 

Q. What might be the disadvantages (which are seemingly minimal) of employers incorporating paycards into their payroll processes/pay distribution? Can you refer us to clients/users of paycards and the issues they might be having? L.B.

Read the complete explanation PDF Answer

 

February "Points from the Pros"

Q. Where can I find information on what states allow companies to require direct deposit and/or a payroll card? A.H.

Read the complete explanation PDF Answer

 

Q. What type of fees will the employee be subject to? Are there fees for cash withdrawals? Can they access funds from any ATM? If they purchase groceries or gas, are there fees associated? C.M.

Read the complete explanation PDF Answer

 

Q. When using payroll cards, how do employees get the information they normally receive on their paystub? Can they get paystub info by phone (IVR) or web? M.N.

Read the complete explanation PDF Answer

 

January "Points from the Pros"

Q: I'd like to know how we can get Oregon to allow employers to legally offer employees only paycard or direct deposit. I was thinking that if they aren't willing to allow employers to limit employees to those two choices, could an employer use the opt-out choice by telling employees that if they don't submit bank information for direct deposit, they'll be paid by paycard unless they opt out in writing? M.R.

Read the complete explanation PDF Answer

 

Q: Are there any specific restrictions with regard to paying college students working on campus via a payroll card? I have heard that even if a state allows pay cards, colleges cannot make it mandatory for students due to restrictions on providing credit cards to minors or students. Do you know if this is true and if so can you point me to documentation to that fact? Also, can you spend more than is on the card? P.R.

Read the complete explanation PDF Answer

 

Cathy Beyda is chair of the APA Government Affairs Task Force on Paycards and chair of the APA Paycard User Group. She is an attorney with the law firm of Margolis & Tisman and received her JD from Stanford Law School and BA from the University of California at Berkley with highest honors.

 

William Dunn, CPP, is the Manager of Government Relations with the American Payroll Association. Bill represents the concerns of the payroll profession before federal and state agencies and legislative bodies. He also coordinates the work of the APA's ACH Committee as well as three subcommittees of the Government Affairs Task Force: child support, data privacy and security, and payroll cards.

 

Paycard Vendor Sponsors

As you explore the use of paycards for your organization, be sure to click on the sponsor buttons on the right side of this page. These valued paycard vendors are dedicated to helping APA pursue its mission of educating payroll profession and the public. Reading their information and product offerings will help you become familiar with the various options available for launching a paycard program that will provide the best results for you and your employees.

 

The material provided on the APA Visa Paycard Portal is for informational purposes only and is not to be considered tax, legal, or financial advice, analysis, or opinion. Readers are reminded that they are solely responsible for complying with federal and state employment laws and are encouraged to seek competent legal authority before taking action based on this material.
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