All Digital Rewards has outlined the business model for partners that resell prepaid cards to their own customers. Its January 27, 2024 guide describes working with an established provider's infrastructure, fulfillment and program support rather than taking on the role of issuing bank.

The article distinguishes resellers, independent sales organizations and distributors. A reseller sells prepaid products to clients; an ISO helps connect providers and merchants; a distributor expands the channels through which products reach customers. The appropriate model depends on the partner's existing sales capabilities and target market.

Potential markets in the guide include employee recognition, B2B loyalty, rebates, research, healthcare, retail and gaming. It recommends selecting a market before choosing the product, because the funding, redemption and recipient requirements differ across those uses.

Product choices include physical and virtual cards, reloadable products, cards restricted to a merchant or network, and broader-acceptance prepaid options. Partners operating internationally also need to account for recipient location and currency. All Digital Rewards presents online redemption as one way to simplify delivery and access for appropriate programs.

The revenue arrangements described include wholesale discounts, revenue sharing, service charges and fees for additional work such as customization or implementation support. The article does not quote a universal margin: it says the commercial model depends on the provider and reseller agreement.

The guide lists a reseller agreement, defined customers, sales and support resources, reporting and ongoing provider assistance among the building blocks of a program. It also notes identity, sanctions-screening and funding-control considerations, explaining why partners often work with existing program infrastructure.

All Digital Rewards describes itself as a prepaid program manager serving areas including loyalty and rebates. The accompanying product disclosure identifies The Bancorp Bank, N.A., as issuer of the Ezeprepaid Visa Prepaid Card and Visa Virtual Account under license from Visa U.S.A. The reseller, program manager, issuer and payment network therefore have different roles in the arrangement.