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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!
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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.
"Points from the Pros":
APA would also like to see Oregon agree to allow employers to offer employees the choice between direct deposit and paycard without the option of a paper paycheck.
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.
"Points from the Pros":
There are no specific restrictions related to paying college students by paycard.
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. |
