Payroll Cards
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Payroll Cards (by Sisco [MO]) Jan 19, 2023 1:34 PM
       Payroll Cards (by Ken [NY]) Jan 19, 2023 2:51 PM
       Payroll Cards (by S i d [MO]) Jan 19, 2023 3:43 PM
       Payroll Cards (by #22 [MO]) Jan 19, 2023 4:34 PM
       Payroll Cards (by Barb [MO]) Jan 19, 2023 6:45 PM
       Payroll Cards (by Sisco [MO]) Jan 19, 2023 6:56 PM
       Payroll Cards (by BRAD 20,000 [IN]) Jan 19, 2023 11:53 PM
       Payroll Cards (by Mapleaf18 [NY]) Jan 20, 2023 2:53 AM
       Payroll Cards (by Ray-N-Pa [PA]) Jan 20, 2023 4:07 PM

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Payroll Cards (by Sisco [MO]) Posted on: Jan 19, 2023 1:34 PM

I have a tenant who is unbanked and she uses a payroll card. Oftentimes the rent amount is charged back to my account (I use ACH)when there is no cause that I can uncover.

It seems that point of sale transactions are smooth sailing with payroll cards.

What is the root cause of payroll card glitches?

Payroll Cards (by Ken [NY]) Posted on: Jan 19, 2023 2:51 PM

Her payroll card pays the rent then goes and takes it back? That would be the last time i would accept that for rent then.No idea what the glitch is but seems easier just not to accept it for payment --74.77.xx.xx

Payroll Cards (by S i d [MO]) Posted on: Jan 19, 2023 3:43 PM

Theoretically, there should be a bank account "Behind" that pay card, but I think they have some limitations set on them and/or the owner has to approve certain transactions specifically.

But if it works sometimes but not always... got me. That's where you might need to speak to the ACH department at your bank. Any time an ACH transaction is rejected at my bank, I get an error code that specifies what the problem is, but they can be cryptic and I need an ACH banker to help decipher it.

Bottom line: charge the late fee and bounce fee. It's amazing how quickly these problems "resolve" themselves once it costs them $50 - $80 per rejected transaction. --184.4.xx.xx

Payroll Cards (by #22 [MO]) Posted on: Jan 19, 2023 4:34 PM

I don't know the answer, but perhaps a square account and added fee to cover the cost gets you on the same ground and other people trying to get their $..

Payroll Cards (by Barb [MO]) Posted on: Jan 19, 2023 6:45 PM

My experience is that about half the payroll cards don't seem to allow the full ACH transfer to occur. Have you asked her to get you a direct deposit letter from the card issuer?

I'd charge her the state max for each returned payment, and I think I'd start just running her manually through QB/Square/Paypal/Venmo etc, and charge her extra for it. Otherwise, she will need to go to the bank and have them draw the money out manually. I'd add a fee for that as well.

You might find out - can she GET a bank account? Some of our local banks will allow someone to get a bank account that the big banks refuse. You can sell it to her as "you'll pay less in fees if you get a regular bank account in town, because you can use their ATM for cash with no fee" Then she can change her direct deposit to go to that bank account instead of her payroll card. OR she can at least draw the cash from her card and deposit it into the bank account every couple of weeks.

Payroll Cards (by Sisco [MO]) Posted on: Jan 19, 2023 6:56 PM

She has opened a bank account. The payroll card experience wasnít good for her. I donít understand the system that allows point of sale transactions, but not ACH transactions.

I was hoping to hear from a Zelle user, if they had similar problems.

I require pdf of bank statements on the application, I write over and over that it must be a bank account in order to receive a bank statement. The alternative services of payroll cards and chime accounts are moving upstream and attracting user that should use a bank.

Payroll Cards (by BRAD 20,000 [IN]) Posted on: Jan 19, 2023 11:53 PM


I dunno.

We have been drafting paycards for YEARS without a hitch.

Maybe something at the bank's end?

Chime is popular because the res can pull money BEFORE their paycheck hits the account. So maybe it bounced.


Payroll Cards (by Mapleaf18 [NY]) Posted on: Jan 20, 2023 2:53 AM

A couple of my tenants use Zelle. No clawbacks but some banks only allow a limited amount to be transferred in a certain time period i.e. not the full amount of rent.

Payroll Cards (by Ray-N-Pa [PA]) Posted on: Jan 20, 2023 4:07 PM

I can't say that I ever asked whether a card was a paycheck card or not. It sounds like I just might have to start asking


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