rapid! PayCard

Paycard Hero Image
Payroll Cards
rapid! PayCards that replace paper checks

A payroll card (PayCard) program that helps eliminate paper checks, reduce payroll costs, and improve pay delivery efficiency—while giving employees a simple way to access wages without a traditional bank account.

What is a payroll card? | Employer benefits | Employee benefits | FAQs

rapid! PayCard payroll card program
Payroll Cards
rapid! PayCards that replace paper checks

A payroll card (PayCard) program that helps eliminate paper checks, reduce payroll costs, and improve pay delivery efficiency—while giving employees a simple way to access wages without a traditional bank account.

What is a payroll card? | Employer benefits | Employee benefits | FAQs

What makes us different…
  • Customer service: support for both partners and cardholders—identified by customers as a key differentiator.
  • Compliance assistance: tools and guidance, including the Compliance Map.
  • Zero employer fees1: no fees for card inventory, no training fees, and no PayCard implementation fees.

1. While this feature is free for the employer, employee or cardholder fees may be associated with this card. See Cardholder Agreement for details.

what makes us different
What makes us different…
  • Customer service: support for both partners and cardholders—identified by customers as a key differentiator.
  • Compliance assistance: tools and guidance, including the Compliance Map.
  • Zero employer fees1: no fees for card inventory, no training fees, and no PayCard implementation fees.

1. While this feature is free for the employer, employee or cardholder fees may be associated with this card. See Cardholder Agreement for details.

What is a payroll card (PayCard)?

A payroll card is a prepaid card used to deliver wages electronically. Employees can use it like a debit card for purchases, bill pay, and cash access, and employers can reduce the operational cost and risk of paper checks.

Employer benefits

  • Automated card inventory for multi-location inventory control
  • Sophisticated security without expensive security tokens
  • Fraud protection built on intelligent security that learns cardholder behavior
  • APIs for integration with payroll software or providers (if supported)

Employee benefits

  • A true mobile application for iPhone and Android devices
  • Near real-time clearing pay at the pump with no pre-authorization hold (partial authorization available)2
  • Interest bearing savings account3 6
  • Cardholder service at no cost3
  • Cardholder Cash Back Rewards3 4

 

rapid! PayCard FAQ

What is a payroll card?

A payroll card is a prepaid card used to deliver wages electronically. Employees can use it like a debit card to access and spend their pay.

Do employees need a bank account to use a PayCard?

No. PayCards can be used by employees who prefer not to use a traditional bank account for payroll delivery.

Where can employees withdraw cash?

Cash access depends on the network and available locations. Use the ATM locator to find eligible ATMs.

How do employee check balances and transactions?

Employees can use cardholder tools to review balances and transaction history online or through the rapid!PAY® mobile app3,5. They can also sign up for Text Alerts5 to review account information. See Cardholder login and Cardholder info.

What’s the difference between PayCards and Earned Wage Access?

PayCards deliver wages electronically on payday. Earned Wage Access (EWA) provides access to wages already earned before payday, based on program design and employer policy. Learn more at Earned Wage Access.

  1. Fuel purchases made with the rapid! PayCard are processed with near real-time clearing and may allow partial authorization below standard $75.00–$100.00 pre-authorization amounts; while pre-authorization holds are typically auto-released, timing may vary by merchant and network, and rapid! is not responsible for delays outside its control.
  2. While this specific feature is available for free, certain other transaction fees and costs, terms, and conditions are associated with the use of this Card. See the Cardholder Agreement included in your card package for more details.
  3. This optional offer is not a product or service of Green Dot Bank or Pathward, N.A., nor do Green Dot Bank or Pathward, N.A. endorse this offer.
  4. Phone carrier fees may apply.
  5. The savings Account is established by Pathward, N.A., Member FDIC. Participation in the savings account feature is option. Cardholders must actively opt in to enroll in this program.
rapid! PayCard is perfect for…

Teams that want a modern payroll delivery option that reduces paper check burden and improves pay access and support.

Payroll Providers

Payroll
Providers

Payroll Software Companies

Payroll Software
Companies

Membership Associations

Membership
Associations

Professional Employer Organizations

Professional Employer
Organizations (PEO)

Compliance Image
Access our interactive Compliance Map
Issue electronic payroll cards nationwide with confidence
Track, monitor and categorize each state’s ever-changing paycard laws
Simplify state-by-state electronic paycard compliance
Access Our Interactive Compliance Map
Access our interactive Compliance Map
Issue electronic payroll cards nationwide with confidence
Track, monitor and categorize each state’s ever-changing paycard laws
Simplify state-by-state electronic paycard compliance

PayCard

Ready for a better way to pay?
Online Privacy Statement    

The rapid! PayCard® Payroll Cards are issued by Green Dot® Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. And by Mastercard. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Green Dot Bank also operates under the following registered trade names: GO2bank, GoBank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage up to the allowable limits.

All third-party names and logos are trademarks of their respective owners. These owners are not affiliated with Green Dot Bank and have not sponsored or endorsed Green Dot products or services. Neither Green Dot Bank, Green Dot Corporation, nor Visa U.S.A., Inc., Mastercard or any of their respective affiliates are responsible for products or services provided by third parties. Third party terms and conditions apply.

The rapid! PayCard® Mastercard® is issued by Pathward®, N.A., Member FDIC, pursuant to a license by Mastercard International Incorporated. Prepaid card can be used everywhere Debit Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

The rapid! PayCard® Visa® Payroll Card is issued by Pathward, N.A, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Card can be used everywhere Visa debit cards are accepted.

The Savings Account is established by Pathward, N.A., Member FDIC.

The rapid! blog and any information contained within do not reflect the views of Pathward, N.A. or Mastercard or Visa, nor are they endorsed by Pathward, N.A. or Mastercard or Visa.

© 2026 Green Dot Corporation. All rights reserved. Green Dot Corporation NMLS #814924; Green Dot Bank NMLS #908739.