A prepaid debit card such as the Aquiline "FREEDOM" card is an ideal solution for anyone who does not want to be tied to a traditional bank account, or anyone wanting a more secure way to carry and send money, or anyone having troubles being approved for a traditional credit card. Our "FREEDOM" card requires no credit checks for approval, so almost anyone 18 years or older will receive instant approval.

Unlike regular credit cards, you cannot incur any debt from overspending nor do you need to worry about credit card payments which carry high interest charges. The available spend value on the card comes from funds pre-loaded into the prepaid card account by the cardholder, employer, government agency, insurance company etc. and is then recognized immediately on the card for spend and reconciliation purposes, at which point our "FREEDOM" card becomes available for use virtually anywhere in the world.

This makes the Aquiline "FREEDOM" card a remarkable tool and great alternative to carrying a checkbook or cash, and can also be viewed as a "problem-solving" instrument in certain instances where money management becomes necessary, such as providing kids in college with much needed funds without the worry of them building credit card debt. This is accomplished easily by having additional cards issued on the same account which is controlled by the account holder, typically the parent.

When used for money remittances, cardholders can send money to friends and family members in different countries by simply completing a transfer request which cost a fraction of what it would normally cost with traditional money transfer services. For long-term usage and maximum utility, the recipient is issued a similar card tied to the same account, yet controlled by the account holder, who then uses the card to access the money sent via ATMs 24/7 or may use the card for leisure spending such as making online purchases and bill payments, general retail spending, car rentals, hotel reservations and much more.

Prepaid Debit Cards

The efficiencies of Aquiline’s "FREEDOM" card program are also realized through the provision of transparent and cashless payment processes achieved by streamlining the insurance claims and government social benefits payment disbursement processes and for better account reconciliation. Such insurance payments may include pensions, annuities, long and short-term disability payments, disaster relief, accident and burial insurance etc. Government and other social benefits may include pensions, tax refunds, child support payments, universal health care payments, unemployment and much more.

In any case, Aquiline’s "FREEDOM" card serves to curtail the recurring cost associated with furnishing payments and represents the expansion of choice and convenience in how it is used to make and receive payments by the insurer and the recipient.

Click here to contact us for additional information on our "FREEDOM" Card.

Payroll Cards

The Aquiline "FREEDOM" card is a host-based, Stored Value Card (SVC) used for the disbursement of payroll payments –a revolutionary new payment system designed to function flawlessly in any marketplace. Closely resembling bank debit cards in use and function, the "FREEDOM" card by Aquiline, can be issued internationally and is used by employees to access wage payments credited to a transaction account funded by their employers.

Subsequently, these cardholders can use their "FREEDOM" payroll cards to purchase whatever is necessary to address their immediate needs, instead of depositing or cashing a check that may take days to clear—and is inherently vulnerable to theft and misuse. Once the prepaid account is funded, the "FREEDOM" card can then be used by the cardholder to make cash withdrawals at ATM locations or banks, or make retail purchases at point of sale (POS) locations all over the world, until the full amount, or stored value, on the card has been depleted. Additional features of the "FREEDOM" card allows cardholders to send monies to friends and family members who hold secondary cards issued on the same account, make online purchases and bill payments, or pay for other goods and services that can only be accomplished by use of a regular credit card.

The benefits to organizations are endless, starting with the cost savings that is realized immediately with the "one-time" card issuance per employee compared to the repeat check issuance per pay period. This makes Aquiline’s "FREEDOM" card a very attractive and streamlined alternative to printing, cutting and mailing checks to employees and provides additional efficiencies such as account reconciliation.

In four easy steps, employers can provide their employees with easy access to their salaries anywhere in the world. These simple steps can be accomplished as follows:

1. Provide us with a list (spreadsheet) of the employees you elect to be part of the program, with corresponding employee numbers and disbursement amounts.
2. We set up the account with the bank managing the prepaid payroll accounts.
3. We send you the payroll debit cards for distribution to your employees.
4. You transfer the payroll funds into the respective payroll account held at the financial institution 48 hours prior to the pay period. The funds are then realized on payday for immediate withdrawal, spend and reconciliation purposes by your employees

Money Transfer Service

Are you tired of paying exorbitant fees for sending money to friends and family in the Caribbean and around the world? Are you tired of the inconvenience of having to visit a money transfer agent down the street just to send a few dollars to your family? Well, Aquiline has a solution that is just right for you. Send your friends or family members their own personal Aquiline "FREEDOM" card and visit our website at any time to load money onto the card. The card recipient will then have easy access to their finds via any local ATM or simply use their issued debit card to make purchases at locations all over the world, including online shopping.

Click here to contact us for additional information on our Money Transfer Service.

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