41 Shortland Street Auckland New Zealand

Tel: +44 (0) 2895811111 E-mail: info@pacific-bancorp.info
HOME(ENG)     About Us     Contact Us     FAQ     Terms & Conditions      
Open Account
Corporate Service
Business Loan
Foundation
Letter of Credit
Card Service
Term deposit
M&A,Venture Capial
Debt Collection
Partner
PERSONAL AND CORPORATE CARD
Choosing a financial card to be used for transactions is an important decision for any consumer or business. Which card is the best option? Debit cards, credit cards or pre-paid cards? In order to determine which card option is most ideal for your financial needs, it is important to understand basics about each program.

Debit Card                                                                                                                      
A debit card is a plastic card linked to a financial account for usage to complete payments or purchases. It is considered a cash form of payment, as the funds utilized to complete a transaction are automatically withdrawn from the financial account that the card is associated with.

Credit Card
Like a debit card, a credit card is also a plastic card issued by a financial institution for usage to complete payments and purchases. Instead of the needed funds to complete the transaction being deducted from an associated financial institution, they are issued in the form of debt by the underlying credit card company. A card user is agreeing to pay back the borrowed funds at the associated interest rate over time.

Pre-paid Credit Card
A pre-paid credit card offers the user the same benefits as a regular credit card, but there is no inherent risk on the part of the card issuer or the user. The funds used to complete purchases with a pre-paid credit card are not borrowed, but pre-deposited by the card user. The card user can utilize funds available for purchases, but must refill their account to continue spending beyond the pre-established spending limit.
                                                                                                                                             


Plastic MasterCard
 
Upgrade to an PB Plastic MasterCard to access your funds anytime, anywhere MasterCard is accepted – point-of-purchase, ATMs, internet or over the telephone.

PB Plastic MasterCard offers you many useful features:

1, For online transactions, point-of-sale purchases and withdrawals at almost one million ATMs worldwide
2, Gain the conveniences of a credit card without accumulating debt
3, Reloadable through your account
4, Physical card with Chip and PIN technology protects your money from fraud
5, Quick application process or credit checks

PB Card can be used worldwide at ATMs, POS and online, as well as for verifying and adding to online accounts (Paypal, eBay, Alertpay, Moneybookers, Neteller, etc), for both funding and withdrawal. These credit cards can also be used with most online services such as Google Adwords, eBay, Walmart, and more. International cardholders are accepted.
 
Worldwide ATM Locator 
Local currency cash withdrawal is available from over 900,000 24-hour automated teller machines (ATMs) around the world and goods and services can be bought at over 30 million outlets in over 220 countries.  
 
 
Virtual Visa Card

The virtual Visa card is designed for users who shop online regularly but who do not want or cannot get a full credit card. Users can complete credit card transactions online using their virtual Visa card, but cannot swipe it physically. Unlike conventional credit cards, one does not require sound credit history to qualify for a virtual Visa card.

How Does a Virtual Visa Card Work?

With a virtual Visa card, the user does not receive a physical plastic card. Instead, the card details are mailed to the user via Internet. The steps involved in the working of a virtual Visa card are as follows:

An individual has to apply for a virtual Visa card online. One can visit websites of partnering financial institutions to obtain a virtual Visa card.

Once the application is processed, the applicant receives a 16-digit virtual credit number. This is similar to a credit card number that appears on the plastic card. Some financial institutions issue a cardboard card or low-quality plastic card as a virtual Visa card. However, such a card is equivalent to a dummy and cannot be swiped to make transactions.

The user receives a three-digit CVV verification code through another email. This code enables online merchants to verify the virtual Visa card.

Using these two numbers, the virtual Visa card can be used to make online purchases. It works similar to other credit or debit cards in the online environment.

The user can reload the amount in virtual Visa card a through banking account or another credit card.

 
Benefits of the Virtual Visa Card

In the era of online fraud and identity theft, virtual Visa cards offer privacy and security of the highest order. A debit card can be swiped for purchases beyond the available amount in the checking account. This leads to overdraft fees. However, a virtual visa card denies any transaction beyond the loaded amount. Again, one can load the virtual Visa card with a limited amount. This prevents overspending and secures the cardholder against the loss of huge amounts of money in the event of a cyber theft. Additionally, this card is recognized by all online retailers who accept Visa payments.

However, the virtual Visa card has its drawbacks, such as it cannot be used for cash withdrawals or payments other than online transactions. So, one should consider his or her spending needs before purchasing a virtual Visa card.


PB Virtual Visa Card offers you many useful features:

1, For online and telephone purchases wherever Visa is accepted
2, Pay without revealing your financial details
3, Instant funding allows you to spend right away
4, Flexible deposit options: debit card, credit card, bank transfer
5, Convert your money to a different currency
Card Program Services
 
PB is the industry leader in co-branded debit card programs.
Offering white label programs, software, payment integration and complete turnkey solutions, PB has options available to integrate into any business platform, serving clients worldwide.

Specialized Payment Programs
PB is specialized in the following areas of payment programs:

Generic Debit Card Programs
Co-Branded Debit Card Programs
White Label Programs
Co-Branded Prepaid Credit Card Programs
Generic Prepaid Credit Card Programs
Embossed and un-embossed card programs
Full suite of solutions for not bank client
Full software and payment processing integration

The Clients We Serve
PB develops card programs for clients within the following regions

Asia
Latin America, Caribbean
Europe and European Union
Middle East
Africa
South America
North America

PB Options
PB programs vary in size and requirements:

MasterCard or VISA
Magnetic stripe and/or EMV (chip card)
Embossed or non-embossed
Personalized and non-personalized
Instant issue or bulk orders
Reloadable or non-reloadable
Active or needs activation
White labelled or multi-branded cards
Preloaded or with zero balance

White Level Turnkey Solutions
Our complete turnkey solution includes:

The company with all necessary licenses to manage the deposit operations
An online banking and payment processing platform
$1,000,000 worth of protection for all online transactions
A turnkey web design package to enhance brand exposure
A dedicated hosting platform offering advanced security protection
MasterCard or Visa co-branded debit card programs
Partnership agreements with over 500 worldwide mobile networks, offering both SMS services and mobile payment options
Unlimited upgrades for all software and services required to operate the business platform
Administrative team and management team available to assist with implementation and trouble shooting
Dedicated client support systems including email, phone, and live chat

With our comprehensive platform, business partners can simply plug and play, focusing all of their attention onto marketing their new business opportunity.