The Balance Blog

Many enterprises still think about payment tools just as pipes for moving money. ‍You load funds, issue physical or virtual cards, payments happen, and reconciliation follows. But that’s an increasingly inaccurate view. Today, payments are also governance engines with the ability to enforce rules, automate oversight, and embed accountability into every transaction.‍

For years, the term “prepaid” has been synonymous with plastic gift cards and stopgap banking solutions - products that were useful in specific situations, but limited. Beneath the surface, however, prepaid technology has quietly grown into one of the most powerful layers of modern financial infrastructure.