Morpay is the most trusted reseller of AstroPay card and their website is globally recognized. You can avail your card by paying fees in your local currencies: https://bit.ly/2S0xktI

1. Prepaid Card in India
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Virtual Prepaid cards are alternatives to your regular payment card that you can carry around but it will not
be linked to your bank account. It is very much beneficial to those persons who find it really tough to
maintain their savings and have uncontrolled expenses. As the name suggests, the card is a prepaid one
i.e. you can spend the money from the balance that you will load on this card. Thus, it will often sting to the
people’s amount regarding the balance that they have kept in their prepaid cards and automatically, they
will be bound to make expenses within limits. If you are assuming that these cards to have separate
features like debit cards and credit cards, then, your thinking is definitely not right. These cards don’t have
distinctions like a credit card or debit card. You just need to load it with cash and when you will run out off
balance, you simply need to reload your card and again YOU ARE GOOD TO GO. It is like a pay-as-you-
go mobile. People who don’t have any bank accounts and for teenagers too, a prepaid card can be of great
use.
Prepaid cards can be used online. In case if you make payments in a dodgy website or if there is any
probability of fraudulent behaviour or cybercrimes with your card, your damage will be limited as only the
money you have loaded in your prepaid card will be in verge of risk. If you assume any kind of threats with
your card, you need to contact your prepaid card provider so that they can block your card.
Introduction

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Types of prepaid cards
Prepaid cards may appear to be similar to your regular debit and credit cards but these are very much
different. Most of these prepaid cards have a network logo like a VISA card or a MASTER card and you
can use these cards at places where these brands are accepted. Prepaid cards can be both reloadable
and non-reloadable. Reloadable cards can be loaded with money, again and again, to keep continuing its
use. You cannot use non-reloadable prepaid cards the second time after spending the initial value loaded
to your card. Prepaid cards are generally sold online, over the telephone and in retail locations too. Even
some banks and credit unions have also started selling their own prepaid cards. One of the best websites
from where you can avail prepaid cards is Morpay. Morpay is the most trusted reseller of AstroPay card
and their website is globally recognized. You can avail your card by paying fees in your local currencies.

4. morpay.org
How a prepaid card works?
Think of having cash in your wallet. Will you be able to keep cash as much as you can and walk away like that?
Definitely no. Everybody maintains a limit to have cash in wallets. This is same for prepaid cards too. As you are
going to use this in day to day basis, you will obviously not want to load it with lump sum amount. Now, if you are
thinking about the way of loading money in your prepaid card, one issue has definitely sting your mind- If Prepaid
Card is really not linked to a bank account, then how calm reloading of cash is possible? Right? So, let us tell you
that there are different ways to load money in your card.
Remember, when we have to go to shops in person for getting our mobile recharge done? We used to pay in
cash, and the mobile retailer would load the balance in your mobile. Same is applicable for the prepaid card
reloading too. You can either go to a Post Office, a Paypoint or a shop where reloading of prepaid cards is done.
These are all offline ways and you don’t need linkage to your bank account for reloading your prepaid card. But, if
you are opting to do this via online, then, bank account is definitely a concern, for, the reloaded amount will be
transacted to your card from your bank account only.

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How a prepaid card works?
All prepaid cards are either linked to a building society or a bank account. The reason why these cards have
network logo of Master Card or VISA card is due to the fact that you can use these cards anywhere that accept
these cards scheme network just like a debit or a credit card.
All these methods are not applicable for all prepaid cards. It depends on the provider and on the card too. So, you
need to check out the most apt way for making your card reloaded in no time. Like your regular credit or debit
card, you have to enter a PIN number for withdrawing cash or for paying bills with your prepaid card. Some
retailers can ask you to sign if in case their payment terminals cannot read details of your prepaid card. One of the
most important feature of a prepaid card is that apart from the protection by PIN number, all the records of a
prepaid card remain handy to the prepaid card provider. So, if in case, someone lose his prepaid card or if it gets
stolen, then he can easily replace that with a new one. After contacting your prepaid card provider in case of any
theft, they can block your original card so that no one else can use that.

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Prepaid card vs. debit card
A regular debit card is completely different from a prepaid card. Your bank account debit card is linked to your
checking account or your bank account. A prepaid card is not linked to your checking account, rather, you spend
money from the amount that you loaded into your prepaid card.
Normal credit cards are completely different from a prepaid card. This can lead to a confusion for both your
prepaid card and your debit card have their network logos like either a VISA, American Express or Master Card. In
case of a credit card, you are actually borrowing money from your bank. In case of a prepaid card, you spend
money from the amount that you already re loaded in your card in advance.

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Prepaid card vs. debit card
Fees associated with a prepaid card
So, you can see that with the help of a prepaid card, you can use your loaded money at various retails and
merchants, just like you do with your regular debit or credit card. You can very much use this card for making an
online purchase. Some prepaid cards can be used in ATMs for withdrawing money. But, you can only do this after
you have registered your card. Registration is vital for reloading your card. The fees and features of a prepaid card
can vary from one card to another so, you need to compare cards before buying.

8. morpay.org
Prepaid card vs. debit card
Fees associated with a prepaid card
So, you can see that with the help of a prepaid card, you can use your loaded money at various retails and
merchants, just like you do with your regular debit or credit card. You can very much use this card for making an
online purchase. Some prepaid cards can be used in ATMs for withdrawing money. But, you can only do this after
you have registered your card. Registration is vital for reloading your card. The fees and features of a prepaid card
can vary from one card to another so, you need to compare cards before buying.
For most of the prepaid cards, you need to pay some fees for using or holding the card. The amount and the kind
of fees will vary depending on how you will use the card and the card itself. Common fees for prepaid cards
include the followings-
•Monthly fee– you need to pay this fee every single month even if you dot use this card. This amount gets
automatically deducted from your loaded amount. You can call this as a prepaid card maintenance fee.

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Prepaid card vs. debit card
Fees associated with a prepaid card
•In-Network/Out-Network ATM fee– it depends on the terms and conditions of your cardholder agreement. Every
bank and ATM gas different network and your prepaid card company may belong to one or more of these
networks.
•Transaction fee– this is the fee that is charged every single time you make a certain type of transaction.
•Balance enquiry fee- again, this vary from card to card. In case if you want to see your balance of prepaid card
from an ATM, then you can be charged of a balance enquiry fee.
•Decline fee– suppose, you attempted to buy a thing that costs more than the amount left in your prepaid card,
then, you will be charged a decline fee.
•Paper statement fee- some prepaid cards can charge you if in case you request for paper statements for the
transactions you made with your prepaid card.
•Cash reload fee– it is a fee when you add money to your card at a retail location.

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Fees associated with a prepaid card
So, these are the most common fees associated with a prepaid card. The main benefit of having a prepaid
card is an increased level of security as it is not directly linked to your bank account. Moreover, you can
also restrict your expenses with your prepaid card. And, who don’t wants to save more right? So, grab your
prepaid card from Morpay today.
Prepaid card vs. debit card

11. Authorized re-seller of AstroPay
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