Prepaid Cards

As a result of the Government’s commitment to transform the welfare system and roll out personal budgets in social care, health, children’s services and supported housing, service budgets and benefits are increasingly being paid directly to the user.

Prepaid cards – a cross between a debit card and a top-up card - are increasingly being used instead of cash, cheques and vouchers as they offer reduced administration costs, improved security and allow for spending to be monitored in real time.

allpay works with a number of local authorities, housing associations and charities who are using its prepaid offering. Derbyshire County Council, for example, is providing allpay’s prepaid cards to residents to pay for children’s services, while others are using it for a range of payments from housing benefit and adult social care payments to decorating allowances.

Following the Government’s decision to abolish community care grants and crisis loans, local authorities are also using prepaid cards as a way of delivering parts of the Social Fund – which is being devolved to councils from 2013.

To support local authorities in this new role, allpay is offering councils instant issue prepaid cards which can be handed out ‘on the spot’ to people in need – cutting down on the cost of administering cheques and the high insurance premiums that come with managing cash offices.

The Government is also examining their role for Universal Credit as a way for those without bank accounts to receive benefits.

Prepaid cards in the public sector


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This card is issued by PrePay Technologies Ltd pursuant to license by MasterCard International. This card is an electronic money product. The electronic money associated with this card is provided by PrePay Technologies Ltd, a company regulated by the Financial Conduct Authority (FRN 900010) for the issuance of electronic money.
The Prepaid Visa Card from allpay is issued by R. Raphael & Sons plc (Company Registration No. 1288938) with its head office and registered office at Albany Court Yard, 47/48 Piccadilly, London, W1J 0LR (“Raphaels Bank”). The bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 161302’.