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.

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