Employers (Worldwide Payroll, Commission and Expense Programs) Payroll Debit Cards are a fast, efficient way to pay your employees.  Payroll Cards are less expensive than issuing your employees paper checks.  These same Reloadable Payroll Prepaid Debit Cards can be used for paying commissions or reimbursing your employees for their business expenses. VAT offers a selection of Employee ATM Cards, Employee Debit Cards, Employee MasterCards and Employee Visa Cards. Employer Payroll Debit Cards can also be offered as Employer Payroll ATM Cards, Employer Payroll Debit Cards, Employer Payroll MasterCards and Employer Payroll Visa Cards.
		B2B, B2C (Business-To-Business, Business-To-Consumer - Electronic Payment Systems) Companies that are looking for an electronic method to pay and/or receive payments from their customers will love our Online Payment Solutions products. By opening an Internet Master SpeedyWallet™ Account, your business can move funds worldwide to other SpeedyWallet™ accounts with the click of a mouse.  The transfer of the funds is instantaneous, and upon receipt the funds are immediately “good funds”.  The money may then be transferred (ACH/SWIFT) to a bank account and/or Prepaid Debit Stored Value Cards.  It’s fast, easy and inexpensive, and best of all, it eliminates expensive paper checks.
		Online Payments™ (Global Electronic Payment Systems) Is your business looking for an online payment solution for your customers to pay for goods and services?  With VAT’s Online Payment Solutions™, your customers can electronically transfer funds to you.  The funds, when received, are immediately "good funds".  No charge backs, no reversal of funds.  With VAT’s Auto Sweep™, the money that you receive electronically (electronic payment) will automatically be redirected (ACH) to your business checking account.  It’s that simple, and easy to use!
		Multi-Level (Worldwide Down Line Payment Systems) Multilevel Companies that need a method of paying their commissioned contracted agents (Multilevel Payroll Cards) in a fast, efficient method should look no further. VAT has the answers for MLM Companies with our MLM Payroll Cards. Multi-Level organizations have the ability to open a Master SpeedyWallet Account. Your MLM Agent’s can open individual SpeedyWallet accounts as well. By using an Excel Spreadsheet, you can upload your Commission Payments to all of your MLM Agents with the click of your mouse. The money that you move to your MLM Agent’s eWallet account is simultaneously loaded onto their Multilevel Payroll Card. It’s fast, easy and inexpensive, and best of all, it eliminates expensive paper checks. VAT has the International Multi-Level Payroll Cards for your business.
		ValidTrans™ (Identification Fraud Detection Solutions) A cutting-edge fraud detection solution that arms e-merchants with advanced technology for fraud detection and chargeback prevention. By utilizing Validtrans™ massive database, that continually analyzes and updates online fraud perpetrators, ValidTrans™ reduces fraudulent credit card, debit card, bank account transactions and identity theft.
		Agents (Represent Domestic & International Stored Value Solution Programs) Know a company that needs a Stored Value Solution for their business needs? VAT offers Agents the ability to represent VAT on a referral basis. With VAT’s selection of Stored Value Solution products, VAT Agents have the ability to represent VAT’s Online Payments, eWallet Solutions, Payroll Debit Cards, Procurement Prepaid Debit Cards, Travel Expense Prepaid Debit Cards, Commission Prepaid Debit Cards, International Prepaid Debit Cards, branded Visa Debit Cards and MasterCard Debit Cards, Virtual Accounts, Multi-Level Prepaid Stored Value Cards, ATM Stored Value Cards and cards that work on the PLUS, STAR, Interlink, Cirrus-Maestro and Interac networks.

		Employer to Employee (payroll – commissions - expense allowance)
		Consumer to Consumer (student allowance, family assistance)
		Consumer to Business (pay for goods & services)
		Business to Business (pay for goods & services, incentive programs)
		Business to Consumer (rebates, incentive programs)

Join in on the fastest growing segment of the plastic industry – Reloadable Stored Value Cards. Also known as Reloadable Prepaid Debit Cards, Reloadable Debit Cards, Reloadable ATM Cards or Reloadable Credit Cards (Prepaid Credit Cards), the Stored Value Solutions Industry, and in particular Bank Cards, is expected to grow to $77 billion dollars in the next five years! International Debit Cards, International Payroll Cards, International Stored Value Cards or International Stored Value Solutions Cards are all Instant Issue (Instant Issue Payroll Cards, Instant Issue Prepaid Debit Cards, Instant Issue ATM PIN Cards, MLM Pay Cards, MLM Payroll Cards, Payroll Cards, Payroll Debit Cards, Payroll International Debit Cards or Payroll Stored Value Cards). Private Label Prepaid Debit Cards (also known as Private Label Stored Value Cards) are available as Branded Prepaid Debit Cards or traditional ATM Prepaid Debit Cards. Custom Logo Debit Cards (or Company Logo Debit Cards) are available upon bank approval. All cards offer Debit Card Solutions (PIN Debit or Signature based) and use one or more of the following networks: Cirrus, Maestro, PLUS, STAR, Interac, Interlink, MasterCard or Visa. Virtual Debit Cards offer Stored Value Card Programs (or Stored Value Solutions) that you can Resell to your customers or offer to your employees. The SpeedyWallet Virtual Online Money Management System makes Worldwide (Global) Money Transfers possible through the Internet. VAT offers a variety of Stored Value Solutions (international debit cards), from the Banquecard Gold ATM Debit Card (a domestic debit card) to the International eMoney ATM Debit Card (an Offshore Debit Card, Offshore Prepaid Debit Card, Offshore Prepaid MasterCard or Offshore Prepaid Visa Card); from the Four Oaks Visa Debit Card or MasterCard Debit Card (a domestic stored value card) to the International Electronic Visa Debit Card (an offshore stored value card). U.S. depository accounts, Canadian depository and offshore depository banks are available. VAT Products also offers Payment Solutions and Virtual Bank Accounts through its proprietary SpeedyWallet Online Payment System, with ACH, EFT or SWIFT capabilities. SpeedyWallet offers Money Transfer Services that allow direct deposit, payroll direct deposit, retail deposit, online deposit, bill payment, money transfer and card-to-card transfer possibilities. With all of the VAT advantages, becoming a VAT Agent, Reseller (Corporate Reseller, Independent Reseller or MLM Reseller) or Merchant is as easy as completing the information on the Sign Up Now page. Or if you are an Employer and are looking for a selection of Prepaid Debit Card options for your business, complete the Sign Up Now page information and a VAT representative will tell you first hand about the VAT Advantage. VAT offers a variety of Employer Payroll Debit Card Products (Employer Payroll Stored Value Card Products), including Employee Debit Cards, Employee ATM Cards, Employer MasterCards, Employee Visa Cards. VAT also offers Employer Payroll Cards, Employer Payroll Debit Cards, Employer Payroll ATM Cards, Employer Payroll MasterCards and Employer Payroll Visa Cards. Payroll Debit Cards (Payroll ATM Cards) are the fastest and easiest way for Employers to pay Employees.