If you are unsure whether a prepaid card program with BEST Inc., is right for you, please submit an inquiry, and a BEST Inc., program specialist will contact you.

   If you want to proceed with a card program, and you meet the basic requirements, please submit an application, and we will help you get your program up and running

The following are basic requirements for all standard programs.

   Client should have an established relationship with their cardholder base (e.g., they are your employees, members of your organization, etc.). For Visa/MasterCard programs, you are expected to know (at a minimum) the name, address, date-of-birth, and social security number of each cardholder. This information will be verified. For ATM card programs, cardholder ID requirements may be less stringent.
US and select International corporations or organizations may only apply.

   Minimum card orders of 50 cards for a payroll program, or 20,000 cards for custom programs.

   Client’s Financial Statements and Tax returns along with other required documents will be required such that sufficient financial stability may be established to warrant a custom card program application.

   Consumer Card programs may have additional requirements.

As our client you have the option of doing your own design work, or simply allow us to assist you in designing your own plastic card.  Should you wish, you can utilize our generic card design. When designing custom cards, the card design must adhere to the rules of MasterCard and /or Visa, and must be approved prior to production. Being specialist in this field, we have a strong understanding of the rules and requirements, and can take care of the approval process for our clients. We also can offer guidelines to your graphic designer, or we can handle the full graphical design for you in house for an added cost.

  As part of our turnkey package we also handle all aspects of card production, embossing and encoding. The total time from the initial idea and design to the final stage of card manufacture is usually 60 to 120 days, however card printing can sometimes be expedited for an additional fee. If you are in a jam and need to have cards on a short notice, then our standard BestMoneyCards Cash card, can save the day to get you started and once you have been able to establish your new cards we can follow up by a custom card at a later date.

  A custom card application fee of  $8,500 for setup shall apply. Setup fees include all bank and Association approvals, delivery of a turnkey system, and superior support and responsiveness throughout the entire setup process. A 20,000-card minimum applies.

   You can use our standard IVR (Interactive Voice Response) system to provide cardholder support, or have us develop a customized system for you at an additional fee for programming, editing and launching you custom IVR. Since we maintain the IVR for our program clients, providing a comprehensive suite of cardholder support features is easy and cost effective for our clients.

   New features and services can be added to our standard IVR.  All aspects of the process can be outsourced through us and we always welcome your input and allow you to participate at any level you wish.

  We typically recommend that you establish your own 800-numbers, and whenever possible and available utilize your own data and call centers which can be directly integrated into our backend system.

As your technology partner BEST Inc., we operate our own databases, and serve all of our own web pages and voice applications. For larger programs, we can custom develop any added features that our clients may require, and integrate our system into our clients systems for the exchange of data.

Whether you are just looking to place your company's branding on our login screens, or you need a full closed-settlement system for funds transfers, we can assist.

   Since we own and operate our own technology, all card programs can be made custom with our client’s features based on specifications provided at any time.

   For large custom programs, we can add a prepaid phone card to your prepaid MasterCard or ATM card. We can add benefits programs, collection of membership fees, or integration into your other related products. Custom add-ons are usually only available for programs starting with 20,000 cards or more.

As a Financial Services technology company we have thousands of clients and partners, which have joined with us to provide our clients with a national payroll and check cashing services.

We can provide our clients and their cardholders a robust payroll service that integrates directly with the card program of your choice. For US based card programs, we can provide clients with Payroll Direct Deposit service, which we coined the term Virtual Check CashingÒ.

Other custom Payroll Processing services can be integrated, as well as the ability to work with our client’s existing Payroll system / processor.

Due to our rich experience spanning over two decades along with thousands of satisfied clients served, BEST Inc., is poised to help new clients be it that you are a startup venture, or an established business looking to enter the stored-value arena, BEST Inc., can help you develop your business and marketing models, and teach you how to use the best available technologies. We can either introduce you to the best banks and processors for your application, or help you work with your existing banking partners.

Our Software technology finds its roots deep in the Financial Services industry. We offer the following products and services:

q       Check Cashing

q       Bill Payment and Presentment

q       Money Orders

q       Short Term loans, such as Overdraft, Payday, and Title Loans

q       Money Wire

q       Point of Sale

q       Inventory Management

q       Cash Management

q       ACH, EFT Services

q       Biometric Identification

q       ID Card Design and Production Services

q       Check & Transaction Imaging

q       Real-time Bank Account Verification and Real-time Debit

q       ATM Debit  / Stored Value Cards

q       Loyalty Cards and Services

q       Currency Exchange

As part of our Card Management system we can provide a variety of Card features and benefits in a manner to best fit our clients individual needs which can seamlessly integrate with the above aforementioned items delivered via web-services and or through self-serve or teller driven systems. 

All of BEST Inc.'s card products are "Prepaid Cards" or "Stored Value Cards".

A prepaid card is a type of debit card, however it is not attached to a checking account.

Instead, the entire card program is run from one central account at the card-issuing bank.

Each card has its own available balance, as if it belonged to a separate account, however the individual cardholders do not have a direct relationship with the bank.

In general, prepaid cards can be branded as a MasterCard, Visa card, PIN-based card, or ATM card.

They can be used wherever their card brand is accepted.  The available balance depends on the amount of funds loaded onto the card. No credit is offered with any of our cards.

Prepaid cards are well suited to programs with thousands (or even hundreds of thousands) of cards.

BEST Inc. offers its products as payroll cards, consumer cards, incentive cards, gift cards, and other specialty applications with almost no limits and bounded only by our client’s imagination.  

A Payroll Card is a convenient and cost-effective alternative to traditional paper paychecks.

Each employee is issued a payroll card, which can be a Visa, MasterCard or a PIN only Stored Value ATM card.

Each payday, payroll is transferred directly to each employee's card. Employees can then withdraw their pay at an ATM, or shop with the card wherever credit cards are accepted.

The payroll card is well suited to large organizations, sales organizations with a widespread workforce, employees who may not have checking accounts, temporary employees, or employees who are seldom in the office.

BEST Inc., can provide routing numbers for all of its US payroll cards. This allows employers to disburse payroll directly to cards via their standard Direct Deposit program, through their existing bank.

BEST Inc., specializes in payroll programs for the network marketing and direct sales industries.

We offer the BestMoneyCards Cash prepaid MasterCard^® and Maestro^® card as a generic (or "off-the-shelf") product for the disbursement of commissions within the US.

We also offer custom-designed cards for larger programs, and an international ATM card for the payment of commissions outside the US.

We specialize in Sales Commission Programs for the Network Marketing and Direct Sales industries.

We offer US and International programs for commission payments, offering cost savings and advantages over paper checks. For US programs, your members can receive a prepaid MasterCard, and you can disburse payments via

Payroll Direct Deposit.

For International programs, we can help you avoid the high costs and time delays of issuing paper checks, while simplifying the withdrawal of funds for your members. Our international cards can be used at

810,000 ATM machines in 150 countries.

We can run commission disbursements on any cycle--from daily to quarterly. International payments are available on payday--not two or three weeks later when the check has been converted.

ATM cards also eliminate problems with lost or altered checks, and provide an online transaction record for the recipients.

Consumer Cards are prepaid cards that are marketed and sold directly to the end customer.

They are also called "Personal Use" cards.

They may be loaded by the cardholder with their own funds, up to a limit of $2,500.

Cards my be loaded through an employer (i.e. Payroll Direct Deposit), or through reload recharge top-up centers such as Western UnionÒ and MoneyGramÒ agents locations, as well as locations where the cards are sold.

Clients may apply for Independent Marketing Organization “IMO” status or become an Independent Sales Representative “ISO” of BEST Inc. helping to market our standard cards, or even apply for custom designed cards which can then be marketed and sold by client through their own distribution channels.   

This gives the consumer the convenience and security of using a card instead of cash.

Clients can elect to use one of our many standard design and pre-approved cards for their own use, and or to re-market through their own chain of locations and or agents.


BEST Inc., will only accept proposals for new consumer card programs from qualifying US businesses who:

1.  Have been in business for three years;

2.  Have annual revenues in excess of $1 million;

3. And is a US C-corporation.

For clients who want their own card and program design, BEST Inc., offers custom programs, with options and revenue models optimized for your application. Plastic cards, activation labels, card carriers and inserts can all be customized to your specifications. Pricing can be set at your required retail levels, and Voice-Response-Unit prompts and web pages can be customized as well.

   If you are implementing a large program (more than 5,000 cards to be issued in the first two months), please ask us about customization.

BEST Inc., has the unique ability to offer both US and international payroll card programs. For W2 employees, we can offer either prepaid MasterCard^® or Maestro-ATM Cards. For non-W2 employees, we offer international ATM cards issued by a global card-issuer based in the United Kingdom. This card provides customer support in 15 languages (with translators available for dozens more), and is accepted at 810,000 ATM machines in more than 150 countries.

   Our international cards are loaded in the US in US-dollars. Payroll disbursement typically occurs within one banking day. Conversion to the local currency is performed automatically when the cardholder withdraws the funds.  We specialize in international programs for the network marketing and direct sales industries. Please contact a BEST Inc., program specialist for more information.

  To find out more about partnering with BEST Inc., you may submit an inquiry, and a program specialist will contact you to help answer any questions.