A Smarter Way to Control Payments Across Unattended Retail. 

Reduce Credit Card Processing Costs

Traditional card-based transactions can create processing costs on every purchase. With a closed-loop prepaid system, purchases made using an existing prepaid balance do not require a new credit card transaction at the point of sale.

This can significantly reduce transaction-level payment processing costs and help operators retain more revenue from every purchase. Depending on the operator's payment processing structure, eliminating repeated credit card transactions can represent meaningful monthly savings as transaction volume increases.

More Control Over Who Can Purchase

Closed-loop prepaid cards allow operators to create controlled retail environments where purchasing access can be limited to authorized users. Instead of opening a smart retail location to every payment method, operators can define who receives access to the prepaid program and where the balance can be used.

This makes prepaid retail particularly useful for organizations that need greater control over purchasing access, employee spending, student purchases, guest services, or other restricted retail environments.

How Does a Closed-Loop Prepaid Card System Work?

• The operator provides a prepaid card to an authorized customer, employee, student, guest, resident, or other approved user.
• Funds are added to the card before it is used. The card balance becomes the customer's available spending amount.
• The customer uses the prepaid card at participating Scallix smart coolers, smart vending machines, or other connected retail solutions.
• Transactions are deducted from the prepaid balance, allowing customers to purchase products without using a credit card for each transaction.
• Operators can manage the program, monitor spending, control access, and manage cards across their participating retail locations.