Product Snapshot
There is a new way to pay your employees. It's called OnePay and it offers outstanding rewards for both you and your employees. Now when you have an employee who doesn't have a bank account, instead of using cash or cheques you can issue a OnePay Payroll Card. Available to all your staff and employees, OnePay is the reliable secure alternative. Carrying the MasterCard Brand mark the OnePay card is Chip and PIN secure.
As it sits alongside existing BACS payments it is incredibly simple to implement – pay employees without a bank account exactly as you pay your employees who have provided bank account details. So no more wage cheques or cash leading to simplified payroll procedures – and no delay in staff receiving their pay - wages are still paid on the same day.
There is no charge to your business for issuing the cards as the OnePay Prepaid Payroll Card team provide all the materials for applications and informational brochures for new and existing employees or temps, along with a dedicated customer care line.
The Good
As an employer, it means that you can harmonise your payroll and pay all employees electronically which will greatly simplify your payroll. Furthermore, these benefits are available to you regardless of how many people you have on your payroll - 10 or 10,000.As an employee, there are no more cheque encashing fees or delays or undue risks of having to carry money in your pocket.
The Not so Good
As an employee, you cannot reload your card as the only loading option available is via your employer or agency. However, this is a Payroll product and this restriction is surely outweighed by the potential benefits of saving on hefty cheque encashing fees or risking carrying wads of cash in your back pocket. Usage abroad can be a bit pricey, so you may be better off with a dedicated prepaid travel card if that's where you intend to use the card.
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Key Features
  
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MasterCard Acceptance
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Chip & PIN Security
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Employer & Wages Reloads
* you can not actually apply for the Modus OnePay Prepaid payroll card but click here to find out more about the scheme and apply through your employer or employment agency
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Application Process 
OnePay cards can only be applied for via participating employers and recruitment companies.
- Apply through your employer - if your employer offers the OnePay prepaid payroll card, you can apply through your employer. If they don't, you can ask them to get in touch with the OnePay team.
- Apply through your Recruitment agency -if you work via a recruitment company you can get the OnePay card through them if they offer it . If they don't why not ask them to get in touch with the OnePay team
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Card Features
- Full support for the employer and the cardholder
- Quick and easy identification and application process
- Chip & PIN enabled for your safety and security.
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Card Design
At this stage, there is only one design.
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Card Fees
- Card Issue Fee - £0.00*
- Monthly Fee - Free
- Transaction Fee UK - £0.10
- ATM Withdrawal Fee UK - 2% (min. £0.85 - max. £1.45 per withdrawal)
- Reload Fee - Variable depending on mechanism
*Your employer or agency may charge a variable issue fee to provide you with the OnePay Card |
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Online Account Management and Self Servicing
You can service your account on the OnePay Prepaid payroll card website or via an interactive voice response facility. You can also use your mobile phone to manage your prepaid card account. The online account management system allows you to view your balance, recent transactions and change your personal details.
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Using Abroad
The OnePay prepaid payroll card is MasterCard branded which means that you can use it at over 25 million locations worldwide that accept MasterCard. A POS transaction abroad will cost you £0.50 and an ATM withdrawal will cost you 2% of your transaction value (min £2.45 - max £4.95 per withdrawal). Furthermore, using your GBP card in a non-GBP currency territory or vice versa will incur a 2.75% foreign exchange cost.
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Reload Options 
The OnePay prepaid payroll card can only be reloaded by your employer or your employment agency. The charge for reload vary vastly due to this. In some cases, the employer may cover the charge so it may be free and in other cases, you may be charged a fee.
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Customer Service
There are a number of ways you can get in touch with the OnePay prepaid Payroll MasterCard card Customer Services team.
- By Email:customerservices@myOnePaycard.com
- By Telephone : 0845 652 1971
- Lost and Stolen Cards: +44 (0)207 127 0009
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Complaints Procedure
On the rare occasions where an issue arises with a cardholder they should contact Customer Services using the details within the Customer Service section above. The OnePay prepaid payroll card team aim to respond to all issues on the day they are receive – or on the next working day when they are submitted outside of office hours.
If an employer has an issue then they can contact their dedicated account handler on 01943 602130
You may be able to take unresolved complaints to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR. Telephone: 0845 080 1800 or +44 (0)20 7964 1000 (for calls from outside the UK) and e-mail: enquiries@financial-ombudsman.org.uk
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Awards
We are awaiting details of any award wins at this stage. Watch this space!
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Overall Card rating
The Alternative Way to Pay - a great solutions for employers and employees!
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* you can not actually apply for the Modus OnePay Prepaid payroll card but click here to find out more about the scheme and apply through your employer or employment agency
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