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The Strategic Choice That Powers Your Card Program’s Success
In today’s fast-moving business environment, the way you fund your card issuing program can make or break your operational efficiency. MSD’s dual funding approach gives you the strategic flexibility to match your funding model to your business reality—not the other way around.
Whether you need immediate liquidity or prefer to leverage working capital, MSD’s prefund and credit line models deliver the speed, control, and scalability modern businesses demand.
What These Models Do
MSD offers two funding approaches: Prefunding (deposit upfront) or Credit Line (spend first, repay later on 1, 7, 14, or 30-day terms). Both provide instant card funding, real-time tracking, spend controls, and full transparency.
Prefund Model: Simple. Fast. Zero credit risk.
How It Works: Deposit funds → MSD loads cards instantly → Spending pulls from prefunded balance.
This model delivers the fastest onboarding with no credit underwriting required and 100% balance control. It’s ideal for high-risk industries and excels in MLM commission payouts, employee bonuses, hospitality expenses, and inventory purchasing.
Credit Line Model: Flexible funding that supports growth.
How It Works: MSD extends credit → cardholders spend → business repays on chosen schedule.
This model improves cash flow, supports larger spending programs, and eliminates the need for prefunded balances. It works best for corporate vendor payments, logistics operations, scaling e-commerce businesses, and professional services.
Why Choose MSD
MSD’s infrastructure handles high-volume commission payouts, multi-location operations, and complex vendor environments. The company provides 24/7 instant fund loading, real-time transaction visibility, and seamless accounting integration.
MSD has successfully deployed solutions in regulated environments with deep compliance expertise, supporting both startup and enterprise scale programs. Their dedicated support ensures fast deployment and ongoing optimization guidance.
The company helps businesses capture interchange revenue, reduce operational costs, and improve payment speed across all program activity.
Strategic Decision Framework
Choose prefunding when you need immediate fund access, maximum control is critical, and speed matters most. Choose credit line when you have predictable cash flow, working capital optimization is key, and you’re scaling rapidly.
Ready to transform your card program? Contact MSD to discover which model will power your growth.