ChoiceCard

Prepaid, without the friction.

ChoiceCard was built for a great user experience - from issuance to spend, fully branded for your program.

ChoiceCard branded prepaid card preview

Flexible prepaid card programs for every payout. Incentives, rewards, disbursements, and everything in between.

ChoiceCard is the modern way to run branded prepaid card programs — built for the marketer launching a loyalty incentive, the operations lead disbursing claim payments, and the program manager handling everything in between. Every program type. Every configuration. No legacy friction.

Easily run payouts across your programs. Branded as you. Issued in minutes. Tracked end-to-end.

What makes ChoiceCard different: Legacy prepaid wasn’t designed for modern recipients. We rebuilt the prepaid card experience from the recipient’s perspective, removing friction from every moment that matters.

  • Virtual
  • Physical
  • One-time
  • Reloadable
  • Open-loop
  • MCC-restricted
  • Incentive
  • Disbursement

Recipient experience

From card issuance to first spend — every moment that matters, optimized.

Every prepaid program has key moments where recipients drop off, call support, or lose trust. These are the four that matter most.

  • Speed to Launch

    Moment 1

    Launch in weeks, not months.

    Streamlined KYB, custom-branded card programs, and templates for common use cases make launch fast.

  • Delivery

    Moment 2

    Reach the inbox.

    Sender authentication and payment-specific inbox optimization push delivery into a 96% inbox-placement tier.

  • Web-based Wallet

    Moment 3

    One click to Apple Pay or Google Pay.

    No app download, password creation, or double-entry. Recipients activate and spend in seconds.

  • Human Support

    Moment 4

    Real-time status. Real human support.

    Recipients see payment status at every step, with self-service tools and accessible human support.

Built for

ChoiceCard. Supporting all of your payout needs.

Highly configurable cards can be used alone or paired with other payment methods to build the right payout for your program.

Incentives

For programs that earn engagement.

Loyalty, awards, and promotional programs where the card is a moment of recognition. Example programs include:

  • Loyalty programs Member rewards, tier benefits, milestone recognition.
  • Awards & recognition Employee SPIFFs, sales incentives, peer recognition.
  • Research incentives Survey participation, panel research, clinical study compensation.
  • Wellness programs Health behavior incentives, biometric screenings, fitness challenges.
Disbursements

For payments that demand compliance.

Claims, refunds, and benefit payments where recipients need money fast and programs need an audit trail. Example programs include:

  • Claims Catastrophe response, settlement payments, emergency advances.
  • Deposit returns Tenant refunds, utility deposit return, loan overpayment.
  • Government benefits Public assistance, disaster relief, restricted-spend programs.
  • Class action payouts Settlements, refunds, regulatory remediation.

Configuration

Every program is a combination. Yours is configured in minutes.

Define your ChoiceCard program. Pick the combination that fits, customize branding, and Choice Digital handles the delivery, compliance, tracking, and support end-to-end.

Card formatHow recipients receive funds
  • Virtual
  • Physical
  • Both
Funding modelHow balances are issued
  • One-time
  • Reloadable
Spend controlsWhere funds can be used
  • Open-loop
  • MCC-restricted
  • MID-restricted
Program typePrimary use case
  • Incentive
  • Rebate
  • Claim
  • Benefit
  • Refund

Choice Platform

One modern API. Security and regulated-grade compliance under every payout.

ChoiceCard runs on the Choice Platform — the identity, fraud, treasury, security, and audit layer behind every Choice Digital product.

REST API and no-code upload options

  • SOC 2 Type II
  • PCI DSS
  • KYC / AML
  • OFAC screening
  • Audit trail
  • Real-time reconciliation

The future of payments, built for today.

Let's Talk

Customer story

We replaced mailed checks with branded cards customers could use in minutes. Emails actually reached the inbox, activation jumped, and inbound support calls all but disappeared — and the whole experience finally felt like ours.

VP, Customer ProgramsSouthern California Gas (SoCalGas), 21M+ customers served
  • 96%Inbox placement rate
  • 5xincrease in wallet usage
  • Days → minutestime to first spend

Payouts are a promise.

ChoiceCard handles the full prepaid card issuance lifecycle - from program configuration to virtual card delivery to physical card fulfillment and support - under a single branded Visa prepaid card experience.

Choice Digital does not just issue prepaid cards. We manage the payout moments that matter, whether you are recognizing a loyal customer, paying a research participant, settling a claim, or delivering a rebate.

Every program type. Every configuration. Friction removed at every step recipients actually feel.

More to read