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A payment card that allows users to borrow funds from a credit line to make purchases or withdraw cash. Users are required to repay the borrowed amount with interest if not paid in full by the due date.
A system that allows government assistance benefits (like food stamps or welfare) to be transferred to recipients’ accounts. EBT cards function like debit cards for eligible purchases at approved locations.
A payment card linked to a bank account, which allows users to spend money directly from their account. It doesn't involve borrowing and usually doesn't incur interest charges.
Electronic systems that store payment information, allowing users to make secure online or in-store purchases. Examples include Apple Pay, Google Pay, and PayPal, which store credit/debit card information for easy transactions.
A payment network used for processing bank-to-bank transfers, such as direct deposits, bill payments, and business transactions. ACH transactions are typically slower than wire transfers but are low-cost and secure.
Prepaid cards that are loaded with a specific amount of money. They can be used as a form of payment at stores, online retailers, or specific brands, and are often given as gifts.
PathPoint is a registered ISO of Wells Fargo Bank, N.A., Concord, CA
