Payroll

**** Rapid! PayCard uses a Neural Network technology: It is the more technically advanced option utilized by rapid! PayCard. The Neural Network solution leverages a debit model scoring system from Fair Isaac Neural Network technology builds cardholder profiles and utilizes predictive models to detect potentially fraudulent card usage. These predictive models are used to determine the fraud potential of each ATM and POS transaction by evaluating it against cardholder usage patterns as well as unique transaction characteristics that are known to be fraudulent and legitimate. This process assists in the recognition of uncharacteristic transaction behavior. Transaction, industry, cardholder, and merchant data are all used to forecast the likelihood of fraud. 

Rapid PayCards are also FDIC insured and backed by the Visa Zero Liability Policy. Their policy for reporting suspected fraud on a card is for the cardholder to call Cardholder Services, report the fraud and send in a dispute form to them. Once they have received the dispute form, they have up to 10 days to put stand-in funds back on the card. At that point they have up to 90 days to officially close the case (however, it is typically resolved much sooner).