FAQs

What is a payroll card?

A payroll card, such as the Brink’s Money Prepaid MasterCard®, is a reloadable prepaid debit card, issued to an employee through a national or regional bank, credit union, or savings and loan association and distributed through his or her employer for the receipt of wages and other compensation. Payroll cards are also referred to as "paycards" and "payroll debit cards". A payroll card is a debit card, which is "reloaded" every pay day or at other times through an ACH direct deposit transaction. It is not a credit card. It works like a debit card. It does not require a credit check for enrollment, which means that ALL employees may use one*.

* IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. In accordance with federal regulations, until it is activated and registered, a prepaid card is subject to initial load limitations, may not be used for ATM use, international transactions, account-to-account transfers, or be reloaded.

How does a payroll card work?

Each payday, the paycard account is electronically loaded with the employee’s net pay. The employee can then use1 the card to withdraw cash from an ATM2 or bank teller, make point-of sale purchases, receive cash back from point-of-sale transactions, make purchases by mail, phone or online and pay bills online. Some programs, such as the Brink’s Money Program, also offer the ability to access funds by cashing a convenience check.

1 There are fees associated with use of this Card. Consult your Fee Schedule for additional details.

2 ATM withdrawal fees may apply. Funds dispensed in local currency. Skylight also charges a fee equivalent to a percentage of the dollar amount of each transaction that you make in countries other than the United States, whether or not the currency was in foreign currency. Consult your Fee Schedule and Cardholder Agreement for additional details.

What is the Brink’s Money Program?

The Brink’s Money Prepaid MasterCard is a payroll card solution that provides your company with a convenient alternative to writing paper paychecks. Your employees’ money is direct deposited into an account at an FDIC-insured bank and can be accessed either through their Brink’s Money payroll card or by using a Skylight Check3 to withdraw all of the cash from their Brink’s Money Card Account.

3Skylight Checks can be cashed free of charge at any U.S. Bank branch, at participating Walmart locations, and at participating ACE Cash Express locations. Other check cashers set their own policies regarding check acceptance and may charge you a fee to cash Skylight Checks. See the Skylight Checks for step-by-step instructions.

Where can my employees use their Brink’s Money payroll card?

The Brink’s Money payroll card can be used surcharge free at 40,000+ ATMs nationwide to withdraw cash4, and make purchases anywhere Debit MasterCard is accepted, such as supermarkets and other retail locations.

4 ATM withdrawal fees may apply. Funds dispensed in local currency. Skylight also charges a fee equivalent to a percentage of the dollar amount of each transaction that you make in countries other than the United States, whether or not the currency was in foreign currency. Consult your Fee Schedule and Cardholder Agreement for additional details.

Can my employees use their payroll card in all 50 states?

Yes. The payroll card is available to use in all 50 states. This card can be used for purchases anywhere Debit MasterCard is accepted and for over-the-counter cash withdrawals at any MasterCard member bank.

I have non-U.S. citizen employees that work at my U.S. based location. Can I still pay them using a Brink’s Money payroll card?

Yes, there is no application or credit approval process for the Brink’s Money Program. However, to help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means to the cardholder: when you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. The same identification verification requirements apply to each secondary cardholder, if any are designated by you.

Will I distribute a new card to my employees each payday?

No. You will fund your employees’ Brink’s Money payroll card through direct deposit by using the account and routing number that appears on the employees’ instant issue pack. Once your employees are enrolled in the program, they’ll automatically receive a personalized Brink’s Money payroll card.

What happens if one of my employees loses their payroll card?

If an employee loses their card, they will contact Customer Service immediately so the lost card can be cancelled and their money stays safe. When they call, they can ask that a replacement card be sent to them. The first replacement card per year is available at no cost.5

5 There may be a cost for additional replacement cards. Consult your Cardholder Agreement and fee schedule for additional details.

How do I know if my employees would be interested in getting their pay on a Brink’s Money payroll card?

Not all employees have — or want — a traditional bank account. But paper paychecks can be costly, time consuming, and inconvenient to cash. The Brink’s Money Program provides employees with a safe option to manage their money without hidden fees.

Even if employees already have a bank account and are being paid via direct deposit, they can still enroll in the program and allocate a portion of their pay to their Brink’s Money Card Account. This is a great way for employees to save for holiday spending or even allocate a monthly allowance to a college student.

Where can I learn more?

To learn more about the Brink’s Money payroll card, you can call us at (804) 289-9579 or e-mail us at brinksmoneypayroll@brinksinc.com.