What is a Prepaid Card?
A prepaid card is a payment card that is loaded with a fixed amount of money before use. It works like a debit card but is not linked to a bank account — once the balance is spent, the card must be topped up or replaced.
Overview
A prepaid card is a payment card that is loaded with a fixed amount of money before use. It works like a debit card but is not linked to a bank account — once the balance is spent, the card must be topped up or replaced.
How It Works
This technology plays an important role in the payment card ecosystem, enabling secure transactions across multiple channels.
Security Considerations
Under PCI DSS, all cardholder data — whether from chip cards, magnetic stripes, or card-not-present transactions — must be protected. The method of data capture determines which PCI DSS requirements apply.
Paytia handles card-not-present payments where prepaid cards are used over the phone. DTMF suppression ensures card details are captured securely without agents hearing them, regardless of the card type.
Frequently Asked Questions
What is a prepaid card?
A prepaid card is a payment card that is loaded with a fixed amount of money before use. It works like a debit card but is not linked to a bank account — once the balance is spent, the card must be topped up or replaced.
Can I use a prepaid card for phone payments?
Yes. Prepaid Cards can be used for phone payments. The card number, expiry date, and security code are entered on the phone keypad using DTMF masking technology.
Is a prepaid card secure?
Yes, when handled correctly. PCI DSS requires all card data to be protected regardless of card type. Using DTMF masking for phone payments ensures the data never enters the agent environment.
Related Terms
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