Payroll Cards

A payroll card, or paycard, is a prepaid debit card employers use to pay employees. Payroll cards receive their funds electronically and are used as an alternative to direct deposit or printed checks, or to pay employees without bank accounts. Payroll cards can be more cost effective, convenient and safer than issuing paper checks.

Payroll card benefits include:

  • Seamless Integration with your current payroll systems.
  • Instant Issuance – Employers receive Instant Issue Packs that allow the flexibility to enroll employees through our web-based portal or via a secure file transmission.
  • Convenience – Your employees can use their payroll cards anywhere Visa® debit or Debit Mastercard® cards are accepted, as well as at ATMs¹ across the country.
  • Easy Account Funding – Access the online Corporate Portal, allowing you to easily schedule and execute payroll through your existing ACH direct deposit process or electronically through our SkyPosit tool.
  • Dedicated Support – Proven program implementation, support, training and marketing
  • Money Management – Cardholders have dedicated access to account information via text or email alerts², automated phone system, online and mobile app banking.
  • FDIC Insurance – Funds are FDIC-insured by FDIC member issuing banks.³


  1. ATM withdrawal fees may apply. Consult your Fee Schedule and Cardholder Agreement for additional details.
  2. No charge for this service, but your wireless carrier may charge for messages or data.
  3. Upon successful activation and registration of the Card Account, funds on deposit at BofI Federal Bank, Members FDIC, are insured up to the standard maximum deposit insurance limit. Coverage limit is subject to aggregation of all of Cardholder’s funds held on deposit at BofI Federal Bank.

The Skylight ONE Prepaid Mastercard is issued by BofI Federal Bank pursuant to a license by Mastercard International Incorporated. BofI Federal Bank, Member FDIC. Netspend, a TSYS® Company, is a registered agent of BofI Federal Bank. Use this card everywhere Debit Mastercard is accepted. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. Use of the Card Account is subject to funds availability and ID verification. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement for details. Mastercard is a registered trademark of Mastercard International Incorporated.

© 2017 Total System Services, Inc.® All rights reserved worldwide. TSYS® and Netspend are federally registered U.S. service marks of Total System Services, Inc. All other trademarks and service marks belong to their owners.