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About Netspend® Skylight ONE® Card

Netspend Skylight® PayOptions™ Program

Improve your payroll process and offer employees more that just a way to get paid

The Skylight® PayOptions^TM Program is a cost-effective, digital program that allows you to pay your employees via direct deposit to a Skylight ONE® Card, upon activation and ID verification.¹Employees prefer direct deposit to other payroll options to improve their financial well-being², and are more likely to stay with your business and recommend you to others when they have them. The Skylight PayOptions Program offers your employees tools to better manage their money.

Help Simplify Your Payroll

Employers receive full program management and support to help their companies move towards paperless payroll and a convenient way to pay their staff.

• Make payroll payments in real-time — Reduce the number of checks you cut every pay period and pay your employees via direct deposit, through integration, or when using a third party provider.
• Convenient employee enrollment — Distribute instant issue packs and enroll employees for a Skylight ONE® Card and Skylight Account through our web-based portal or via a secure file transmission.
• Payroll cost savings — Help your business potentially save between $2.87 and $3.15 per check by moving to direct deposit instead of paper checks.³ Reduce costs associated with mailing checks, replacing lost or stolen checks, escheatment and more.

Valuable Money Management Tools for Employees

• Convenient access to wages
• Over-the-counter cash back at point of sale
• Features like budgeting tools, online Account access, mobile app⁴, text and email alerts

1. IMPORTANT INFORMATION FOR OPENING A CARD ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information that identifies each person who opens a Card Account. WHAT THIS MEANS FOR YOU: When you open a Card Account, we will ask for your name, address, date of birth, and your government ID number. We may also ask to see your driver’s license or other identifying information. Card activation and identity verification required before you can use the Card Account. If your identity is partially verified, full use of the Card Account will be restricted, but you may be able to use the Card for in-store purchase transactions and ATM withdrawals. Restrictions include: no international transactions, account-to-account transfers and additional loads. Use of Card Account also subject to fraud prevention restrictions at any time, with or without notice.
2. “The Impacts of Employee Financial Health” pg. 4, https://www2e4.netspendcom/l/533722/2020-06-16/gzcm2j
3. Potential savings estimates are from NACHA, The Electronic Payments Association, https://electronicpayments.nacha.org/direct-deposit/small-businesses/direct-deposit-smallbusinesses. NACHA’s calculation is based on industry averages for over thirty variables and is for directional guidance only. Actual results may vary. NACHA, Republic Bank & Trust Company, and Netspend do not in any way warrant the savings results obtained using this calculation.
4. No charge for this service but, your wireless carrier may charge for messages and data.

The Skylight ONE® Visa Prepaid Card is issued by Republic Bank & Trust Company pursuant to a license from Visa U.S.A., Inc., and can be used everywhere Visa debit cards are accepted. The Skylight ONE Prepaid Mastercard is issued by Republic Bank & Trust Company pursuant to a license by Mastercard International Incorporated. Republic Bank & Trust Company, Member FDIC. Netspend is a registered agent of Republic Bank & Trust Company. The Skylight ONE Visa Prepaid Card may be used everywhere Visa debit cards are accepted. The Skylight ONE Prepaid Mastercard may be used everywhere Debit Mastercard is accepted. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. Use of the Card Account is subject to activation, ID verification and funds availability. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement for details.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Card may be used everywhere Debit Mastercard is accepted.

© 2023 Global Payments Inc. All rights reserved worldwide. Netspend and Skylight are federally registered U.S. service marks of Netspend Corporation. All other trademarks and service marks belong to their owners.