Estimate the ROI of Implementing Cash-to-Card

Prepaid Debit Cards for Modern Payments

Ready Credits flexible prepaid debit card programs help you distribute digital funds easily, securely, and at scale.

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Spend Confidently, Anywhere

Empower recipients with safe, flexible prepaid cards accepted at millions of locations.

Available Worldwide

Our prepaid debit card programs are backed by trusted payment networks, enabling purchases across the globe wherever major debit cards are accepted.

Built on Trust

Our cards are supported by brand-name payment providers, delivering familiarity and peace of mind for both users and businesses.

Flexible Usage

From shopping online and booking travel to paying for meals and expenses, our programs provide spending flexibility for cardholders.

All the Modern Capabilities

Proprietary Software Built In-House

Custom-built applications, kiosk management, and service systems designed to scale as fast as you grow.

Bulletproof Reliability

Robust monitoring and predictive software keep your kiosks running flawlessly with 99.99% uptime.

Total Application Control

We own the tech. Customize and adapt your kiosk application for any client or vertical, instantly.

Scale Smart, Not Hard

Add hundreds of kiosks without ballooning headcount. Our infrastructure scales non-linearly with your growth.

Powered by National Partners

Cash pickup, card stocking, 24/7 support, and maintenance—handled by partners with nationwide and international reach.

Patent-Protected Innovation

Our provisional patent (US 20210326840 A1) protects the systems that make cash-to-card exchanges seamless and secure.

A Card for Every Occasion

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Simplify Group Payments with Customizable Prepaid Cards

Our Group Sales Card Program makes it simple to distribute funds with customizable prepaid debit cards.

  • Customizable Portal: A user-friendly portal allows you to set up and manage bulk card orders with just a few clicks.
  • Adjustable Amounts: Load each card with a balance that fits the needs of your group.
  • Quick Distribution: Preloaded cards allow you to easily track and disburse funds to large groups.
  • Perfect for Events: Our program offers an ideal solution for schools, corporate events, or any large gathering that requires prepaid debit cards.

Deliver Instant Compensation That Builds Loyalty

Make things right at a speed customers appreciate and remember with a Disbursement Program powered by Ready Credit.

  • Improve Customer Satisfaction: Enhance customer loyalty by quickly addressing and compensating for inconveniences.
  • Fast Payout: Provide access to funds instantly through preloaded debit cards—no checks required.
  • Flexible Disbursement: Manage and distribute funds for any reimbursement scenario from our intuitive ReadyFLEX portal.
  • Customizable Payments: Have cards preloaded for quick distribution or load specific amounts depending on the customer’s needs.

Recognize and Reward Those Who Make an Impact

Motivate your employees and thank your customers with an Awards & Incentives Program that lets people know they’re appreciated.

  • Customizable Awards: Tailor award amounts to fit the achievements and milestones of your employees or customers.
  • Offer Recognition: Provide prepaid cards that can be used anywhere Visa or Mastercard is accepted.
  • Boost Morale: Strengthen team spirit and loyalty with rewards that make them feel valued.
  • Flexible Options: Use prepaid card services for performance bonuses, spot rewards, or seasonal incentives.

Take Control of Expense Management

Move away from the uncertainty of corporate credit cards and business accounts by monitoring and controlling spending with our Travel & Expense Program.

  • Travel Convenience: Ensure employees always have funds readily available to cover travel-related costs.
  • Per Diem Management: Quickly load per diem amounts onto prepaid cards for streamlined distribution.
  • Controlled Spending: Preset card balances to manage travel expenses and prevent overspending.
  • Detailed Reporting: Manage balances, reload cards, and receive detailed expense reports from our easy-to-use T&E Portal.
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Security Built In

At Ready Credit, we’ve built a best-in-class BSA/AML compliance program that mirrors the rigorous standards of the banking industry. Our approach combines deep customer due diligence, automated transaction monitoring, and proactive detection of suspicious activity through risk-based reviews.

We focus specifically on red flags tied to money laundering—tracking high-velocity and high-dollar loads, generating real-time alerts, and launching investigations that can lead to account restrictions, kiosk suspensions, or SAR/CTR filings with FinCEN. Our framework is grounded in strong internal controls, regular training, and independent testing. And with support from our third-party processor, i2c inc., we leverage cutting-edge fraud tools—including rule-based alerts, anomaly detection, and machine learning—to surface and respond to evolving threats with speed and precision.

ReadyFLEX Software: Powerful Features, Simple for Staff

Ready Credit’s ReadyFLEX® software makes cash-to-card programs seamless for any environment—stadiums, hospitals, airports, universities, or parking facilities. The web-based platform is designed for simplicity: staff can activate cards in just a few clicks, send instant SMS receipts (with no personal data stored), and guide customers through a smooth, cashless transaction.

At the same time, management benefits from powerful tools like real-time reporting, shift-by-user reconciliation, and role-based access controls that keep operations secure and compliant. Features such as portal-based venue confirmation before activation, digital balance checks, and a reconciliation process that credits canceled cards help reduce errors and protect revenue. With ReadyFLEX®, organizations of all sizes can confidently serve cash-reliant customers while maintaining the speed, accountability, and efficiency of a fully cashless system.

Debit Card Programs FAQs

A prepaid debit card is a payment card loaded with funds in advance. It allows the user to spend only the amount available on the card.

They are often used interchangeably, but “preloaded” refers to cards already funded when issued. Prepaid debit cards may be reloadable or used once, depending on the program structure.

The ReadyCARD® Visa® Prepaid Card can be used anywhere Visa debit cards are accepted in the U.S. Similarly, the ReadyCARD® Prepaid Mastercard® is accepted wherever Mastercard debit cards are welcome.

You can receive a ReadyCARD® prepaid debit card at any participating location through one of our secure kiosks or authorized program partners. The process is simple:

  1. Insert cash into the kiosk.
  2. The system automatically loads the equivalent amount onto your ReadyCARD®.
  3. The preloaded card is dispensed and ready to use immediately—no ID, registration, or bank account required.

Yes. Ready Credit offers customizable prepaid card wrappers, designs, and even load amounts to match your organization’s brand and specific program goals.

Industries We Work With

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Healthcare

Our seamless payment solutions allow healthcare providers to focus on patient care without the hassle of cash management, offering easy and inclusive payment options that accommodate the needs of every patient.

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Lodging

Upgrade the guest experience and reduce operational costs with our digital payment solutions to provide faster service and more personalized attention from check-in to checkout.
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Cinema

Modernize cash transactions in your cinema with user-friendly kiosks that convert cash into prepaid debit cards, enabling moviegoers to access digital services like in-app ordering and loyalty reward programs while enhancing operational efficiency.
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