The RPM™ Prepaid MasterCard^® Card is the fast, easy, money-saving way for you to pay your employees. You simply direct deposit money right to the employee’s card account. So you get the same great benefits of direct deposit— reduced costs and enhanced efficiency—plus increased employee satisfaction.

The RPM™ Card is 100% Guaranteed** for all your employees with identification. No credit check is required. Because it’s FDIC insured and backed by the MasterCard Zero Liability*** Policy, it’s a safe payment alternative for your employees.

Consider these uses and benefits:

Numerous Uses

• Compensation (payroll, sales incentives, direct selling, channel incentives, refer-a-friend, sign-on-bonuses, agent commissions, other bonus or award payments, termination pay)
• Disbursements and settlements
• Prepay or reimburse business expenses
• Relocation expenses
• Household budgeting tool
• Any other payout from multiple employers, shippers and/or brokers—all without writing a check

Top 10 Reasons Companies Use Paycards

1. Reduce expenses and increase profits by eliminating paper checks
2. Automate payroll delivery to power business growth
3. Increase productivity to reduce overhead costs
4. Eliminate fraud to safeguard the business
5. Decrease expenses for hard dollar savings
6. Streamline integration with other business operations
7. Expand worker benefits without any additional cost to company
8. Enhance business expansion since workers anywhere in the world are paid easily and quickly
9. Help retain existing workers and recruit new ones
10. Create competitive business advantages

Operational Cost Savings and Enhanced Efficiency
The RPM Prepaid MasterCard eliminates the need for paper checks, so it helps reduce expenses associated with paper payroll processing, exception and special payment checks, lost and stolen checks including stop payment fees, fraudulent cashing of duplicate checks, check printing, storing of tendered checks, and retention and reconciliation costs.

Distributions can be made directly to the cards through an ACH deposit (identical to a direct-deposit distribution), or via our optional immediate bulk card funding mechanism. In fact, our unique ABA routing number allows direct-selling companies to use the same process for paying distributors as employees that receive direct-deposit. Each card has the ABA routing number and a card-specific account number. No additional setup or system change is required.

Increased Employee Productivity and Satisfaction
Of the more than 62 million employees who currently use direct deposit, 97% are very satisfied with it.**** Maybe that’s why more than 54% of U.S. payrolls are currently paid by direct deposit.**** Employees and their money are safer carrying a card than carrying cash or checks.

With the RPM Card, trips to the bank or check-cashing stores are eliminated and cardholders get their pay on payday, no matter where they are. Once the card is funded, employees can get cash from an ATM, cash back from certain merchants, and make normal prepaid card purchases at more than 25 million retail locations worldwide that accept Debit MasterCard.

Employees can also arrange for automatic bill payments, card-to-card funds sharing, funds sharing to bank accounts, make purchases online, reserve a hotel room, make an airline reservation and even rent a car. No more check-cashing fees or asking relatives to cash their checks for them.

Managers and supervisors like the RPM Card too, because it eliminates time spent on check distribution.

* Source: Scarborough Research
** The U.S.A. PATRIOT Act is a federal law that requires all financial institutions to obtain, verify and record information that identifies each person who opens a card account. You will be asked to provide your name, address, date of birth and other information that will allow us to identify you. You may also be asked to provide documentation as proof of identification. "100% Guaranteed," “Guaranteed Approval” and "No One Is Turned Down" are contingent upon successfully passing this mandatory identification confirmation.
*** MasterCard and the card issuer will not hold the cardholder liable in the event of an unauthorized use of a U.S.-issued MasterCard card. This coverage extends to purchases made in a store, over the telephone or online, provided the account is in good standing, the cardholder exercised reasonable care in safeguarding the card, and the cardholder has not reported two or more unauthorized events in the past 12 months. Zero Liability does not apply to MasterCard-branded cards issued if a PIN is used as the cardholder verification method for the unauthorized transaction(s).
**** Source: The Electronic Payments Association. www.electronicpayments.org.