We Deliver Prepaid Financial Products

  • Prepaid Card Programs
  • Whitelabel Prepaid Solutions

Setting Guidelines & Standards for Prepaid Cards & Support Services.

A prepaid card program is nothing without it's supporting services, We at T24 take particular pride in offering supporting applications and remote access capabilities, in order to make truly professional prepaid card product


Visa Prepaid Card

Reloadable payout cards that work anywhere the Visa trademark is displayed

Use Worldwide

Can be used online, in-store or at ATMs in over 179 countries worldwide

Instant Payouts

Send funds to your investors instantly, worldwide, at lower fees with immediate customer satisfaction

Safe and Secure

All our programs are fully EMV compliant with Chip and PIN technology

Fully Documented API

Integrate Card Director seamlessly into your existing web applications and systems

24/7 Support

Dedicated first and second line cardholder support plans available

Payout Management

Wire the necessary cardholder funds directly to the issuer. T24 never has access to these funds, they are instead held securely by the issuer in a ring-fenced trust account with HSBC (UK). Learn more about the security of customer funds.

Through encrypted API calls with end-to-end validation, you can securely load as many cards as you want at any given time, including weekends and bank holidays.

Cardholders receive a notification that their card has been loaded and that it is now ready for spending.

System Uptime






Recovery Sites


Card Director

The card director platform combines with our API services to provide you with a full card management solution

Managing Your Cards

You can search for cards issued under your merchant profile by card ID or client card reference, which is the reference you can assign to cards in order to easily identify them. This could be a membership number, employee number, or indeed anything else. Once you’ve found a card you can individually load it with the amount you choose.

These features are available through the Card Director interface or remotely via our API.

Batch Card Loads

Instead of individually loading cards you can prepare a batch load file and import this into the card director system.

After security parameters and duplicate file verification is complete, all loads will be processed at once. There is no limitation on the number of card that can be loaded from a batch file.

This feature is also supported within our API

Full Client Reconciliation

The reconciliation report records all events that change the balance of your float account, from loads, to fee deductions, and of course funding of the float account. Load history is available all the down to individual card level.

Read more about funding the float account in the payout management section

Managing Your System Remotely

Our full service API provides you with powerful integration options that link directly to your backend systems, allowing you to seamlessly communicate with and query our database regarding card activity in real-time.

API Features

  Card Application - includes KYC submission and different card types

  Cardholder Balance Enquiry - return balance of a particular card

  Card Status Enquiry - Returns status of an issued card

  Notification Call Back - Informs merchant of low account balance

...and much more

T24 Prepaid Mobile App

Our app is an extension to our cardholder services, giving cardholders a quicker, secure way of accessing their account on the go, from their mobile devices. The app can be offered as-is or fully customised to reflect the look and feel of your own branding.

Mobile App Features

  Retrieve account balance information

  Review card statements and recent transaction history

  Report card lost or stolen

Card Features

Card Usage

Enjoy the ease and convenience of the T24 PayVault VISA Prepaid Card

Use it anywhere in the world where the VISA Acceptance Mark is displayed

Withdraw cash at any VISA enabled ATM

Swipe your card in any VISA enabled POS machine and enter your PIN

Shop online using your T24 PayVault VISA and enter your 3D secure code for verification

Your T24 PayVault Card automatically converts to the local currency wherever you are

Do a Card to Card money transfer to any other T24 PayVault Cardholder by SMS or online

Account Management

Enjoy the ease and convenience of the T24 PayVault VISA Prepaid Card

Up-to-the-minute online statements that make it easy to track expenses

On-the-go access to your account that lets you check your balance online, via SMS, at ATMs, or IVR

Track your expenses

Only spend what is loaded

Mobile Functionality

We offer mobile services, including SMS functionality and a mobile application that give cardholders a range of features that they can access whilst on the go.

SMS functionality

With our SMS functionality cardholders are able to access a number of cardholder services by simply sending a message. These services include card balance queries, last 3 transactions, lock/unlock card, card to card transfer and to turn on/off low balance notifications.

To use SMS functionality see the table below:

Function Instruction Example
The card balance TRA BAL ACCESSCODE [LAST 4 OF CARD] TRA BAL 123456 1111
Last 3 transactions TRA TXN ACCESSCODE [LAST 4 OF CARD] TRA TXN 123456 1111
Card to Card transfer TRA XFER AMOUNT TO MOBILE ACCESSCODE [LAST 4 OF CARD] TRA XFER 20 TO +447000000000 123456 1111
Stop notification TRA STOP [LAST 4 OF CARD] TRA STOP 1111
Stop all notifications TRA STOP ALL [LAST 4 OF CARD] TRA STOP ALL 1111

Mobile Application

Our mobile application is available on both iOS and Android devices and is available for download from within each of these operating systems respective app stores. The application can be offered to your cardholders as is, or can be rebranded at an additional cost to you, the program owner.

The current functionality of our mobile application includes the following:

  • Report card lost or stolen
  • Access to account balance, open to buy (OTB) balance and statements

Our application has been developed and is fully supported by our in-house development team, who will be working to bring updates and more functionality to it in the future.

Card Security

Enjoy the ease and convenience of the T24 PayVault VISA Prepaid Card

Chip with Encrypted PIN

The T24 PayVault VISA Card must be used at a PIN-enabled terminal and your personal PIN code is used to authorise any transaction.

Flat Numbers

The T24 PayVault Card does not have raised numbers. This protects against the possibility of the card being copied in a Zip Zap machine. You can still feel the numbers with the Indent printing technique.

3D Secure Verified by VISA

With Verified by VISA, you're protected whenever you make an online payment with your VISA card at more than 300,000 websites across Europe.


You must sign your card on the back when you receive it. A T24 PayVault VISA Card is not valid unless signed.


The CVV number is used to authenticate online transactions and is there for your security.

Electronic Use Only

The T24 PayVault VISA Card cannot be used if the Merchant is unable to verify that the funds are available on the card. This will safeguard you from any unauthorised usage.

VISA Hologram

The VISA dove hologram glimmers in different angles. Check the hologram if you suspect that the card you are holding might be fraudulent.

Money Loaded

Our issuer is fully FCA regulated. Security of cardholder funds is our top priority

100% Funding of the Card

Your PayVault VISA prepaid card is automatically loaded upon receipt of your funds.

The Client Account

When your funds are received, they are loaded into a client account, which is controlled by the Issuer. In order to protect your funds, T24 does not have access to this account. For more information, read about the Security of Customer Funds

Additional Security

T24 is obligated to keep a certain deposit over and above the weekly settlement of all transactions on T24 PayVault Cards. This provides additional security and protection to your loaded funds.

No Fractional Reserves

As governed by the e-money regulations in the UK and enforced by Voice Commerce Limited. T24 is not allowed to enable payments on the T24 PayVault Card unless it is fully funded. In addition, T24 will never extend credit.

Our Cards

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    T24 Black Card

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    T24 Pay Vault Card

  • Portfolio Image

    T24 Black Shield Card

Let’s talk about your prepaid card requirement

8A Pitmans Alley, Main Street, Gibraltar


+852 2851 0145