Be the Boss of Your Money

You got this. Get control of your business finances with a Netspend Small Business® Prepaid Mastercard®, and be prepared for whatever comes your way.

Getting started.

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    Open a Card Account

    Opening a new Account is simple. Just tell us a few details about yourself and your business and you’ll receive your new Netspend Small Business Prepaid Mastercard in the mail in 7-10 business days.[1]

    Sign Up Now


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    Activate and Verify ID

    Once you receive your card, you need to activate it and verify your ID before you can start using it. Activation takes just a minute or two and you can activate online or by calling 1-877-973-1223.[2]

    Activate Card

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    Add Money to Your Account

    Accept and load payments onto your card–add cash, checks, or credit and debit card payments. Complete these steps and you’re ready to use it anywhere Debit Mastercard is accepted.

Accept payments anywhere with ProPay®.

With ProPay[3], you can accept payments anywhere.

  • Accept debit or credit cards in person, over the phone, or on your website. You’ll have multiple processing options and repeat billing with ProtectPay®.
  • Take card payments with your mobile phone using the ProPay mobile card reader.
  • Predictable, fixed rates that include per transaction rates of 2.7% for swiped transactions and 3.5% +$0.15 for keyed transactions. No ambiguity, and no guessing.
  • No annual fee.

Learn more

Sign up for ProPay

Loading checks.

You can load checks to your Account at your convenience with Mobile Check Load from within the Netspend Small Business Mobile App. To start using Mobile Check Load[4] on your phone:

  • Download the latest version of the Netspend Mobile App.
  • Select ‘Load a Check’ from the left menu.
  • Follow the on-screen instructions

You’ll be guided through how to take pictures of your checks, and given information about your loading options, in some cases, your money will be available in minutes.

The Netspend Small Business Mobile App is available on Android and iOS devices.[5]

What is business verification?

Business verification gives you the ability to have up to 10 subaccounts[6], your business name on the card[7], and more. Verification is optional if you are a sole-proprietorship (your business is not incorporated or registered with the state, and you report business income on your individual tax return). All other business types are required to go through verification within 30 days of Card activation.

What it costs.

It’s important to us that you’re never surprised by fees, and we’re proud that the Netspend Small Business Prepaid Mastercard doesn’t hide the costs from you.

See the fee plan below for costs associated with your Card Account:

All fees for loading and using the card appear in the Cardholder Agreement. View the full Cardholder Agreement.

Purchase Plan Details FeeAdvantage Plan
Master Account Fee $9.95 per month
Subaccount Fee $1.95 per month, per subaccount
Domestic ATM Cash Withdrawal Fee $2.50 each[8]
Balance Inquiry Fees - Online, Email, Text Included in Plan
Balance Inquiry Fee - Customer Service/ATM $.50 each[8]
Signature & PIN Purchase Transaction Fee Included in Plan

The Netspend Small Business
Prepaid Mastercard

Sign Up Now