Prepaid Mastercards provided by PFS are not credit cards, charge cards or debit cards.

Excelon Prepaid Mastercards are reloadable cards, issued by a financial institution. Cards are available in different currency denominations. Each time the card is used, the value of the purchase is deducted from the funds available on the card. Funds are loaded onto the card either at the time of purchase or at a later date.

The value is held at a bank and not on the card. The card does not offer credit. In essence, you need to load funds on to your card before you can use those funds.