100% Paperless Payroll

Accommodate the payday needs of a diverse employee base

To learn more, click here, or call 800-421-5613 to speak with a Prepaid Specialist.

NetSpend's Skylight® PayOptionsTM Program is an innovative, secure, and convenient payroll solution that allows clients to achieve a cost-effective, 100% paperless payroll for employees without traditional banking services or for those who simply want more options.

The Skylight PayOptions Program offers unparalleled benefits for both the employers and the employees using a Skylight ONE card:


For Employers:

  • Achieve 100% paperless payroll
  • Streamline the payroll process and lower costs - between $2.87 and $3.15 per transaction by using direct deposit instead of paper checks*
  • Full program management, including implementation, support, training, and marketing
  • Reduced environmental impact

For Employees:

  • Saves time spent cashing checks, plus no check cashing fees
  • Cards can be used anywhere Visa® debit or Debit MasterCard® is accepted
  • Money is safe because funds are FDIC-insured in FDIC member issuing banks
  • Convenient money-management tools creates real control over spending

Skylight PayOptions offers efficient, flexible, and up-to-date tools for companies to manage payroll and for employees to manage funds.


For Employers:

  • Multiple card distribution options
  • Flexible employee enrollment process
  • Simple and secure account funding
  • 24/7 access to program management
  • via an online Corporate Portal
  • Robust reporting tools
  • Built-in card inventory management
  • Ability to process term and exception pay
  • Immediate card replacement for lost or stolen cards
  • Program compliance with Regulation E
  • Program complies with state wage and hour laws

Plus, Online Wage Statements, Electronic W2s, Tips-to-Cards, and etc.

For Employees:

  • Fee-Free Access to 100% of Wages
  • Surcharge-Free ATM withdrawals:
  • Allpoint ATM Network - 43,000+ locations nationwide
  • Over-the-Counter Cash 100% access to funds at over 122,000 Visa/MasterCard member banks
  • Secure signature and PIN transactions anywhere Visa debit or Debit MasterCard is accepted
  • Cash back at point of sale
  • Skylight Check - A paper check providing 100% access to funds at 8,800+ locations at no cost

Plus, 24/7 account access online or mobile app, text alerts, email alerts, online bill pay, Payback RewardsSM, and etc.

Implementation and corporate support teams facilitate the ordering and distribution of marketing materials, Instant Issue Packs, and any additional information needed for clients and employees to get started with the Skylight Paycard experience.

Click here to download the infographic "Understanding the Need for and the Advantages of Paycards".

Or, call 800-421-5613 to speak with a Prepaid Specialist.

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*The calculations performed to derive these values are based on industry averages for over thirty variables and are being made available to you for information and directional guidance. Actual results may vary. NetSpend does not in any way warrant the savings results obtained using this calculation.

The Skylight ONE® Visa Prepaid Expense Card is issued by BofI Federal Bank pursuant to a license from Visa U.S.A. Inc. The Skylight ONE Visa Prepaid Card is issued by BofI Federal Bank, RegionsĀ® Bank, or SunTrust Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

The Skylight ONE Prepaid MasterCard® is issued by BofI Federal Bank or SunTrust Bank pursuant to a license by MasterCard International Incorporated. Please see back of card for Issuing Bank.

Funds loaded to Skylight ONE Card Accounts are held at BofI Federal Bank, MetaBank, Regions Bank, or SunTrust Bank, Members FDIC. Skylight Financial, Inc., a TSYS Company, is a registered agent of BofI Federal Bank, Regions Bank, and SunTrust Bank. TSYS is a registered agent of MetaBank. Certain products and services may be licensed under U.S. patent Nos. 6,000,608 and 6,189,787.

MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

All other trademarks and service marks are the property of their respective owners.

Use of the Card account is subject to funds availability and ID verification. Transaction fees, terms, and conditions apply to the use and reloading of the Card account. See the Cardholder Agreement for details.

© 2016 Total System Services, Inc.® All rights reserved worldwide. TSYS®, NetSpend®, Skylight Financial®, Skylight ONE®, smartOne PrepaidSM, the smartOne logo, and smartOne® are federally registered U.S. service marks of Total System Services, Inc.