зарплатная карта(For employees that do not have access to a bank account, there is a solution offered by most major payroll service providers. Instead of an employee receiving a cheque and paying to cash the cheque, the employee can have his pay loaded onto a debit card. In this, a company can save money on printing cheques and not have to worry about cheque fraud. A payroll card is a plastic card similar to a debit card that allows an employee to access their pay by using the payroll card like a debit card.[1] A payroll card can be more convenient than using a cheque cashier, because the card can be used at participating automatic teller machines to withdraw cash or in stores to make purchases. Some payroll cards are cheaper than payday loans available from cheque cashing stores, but others are not. Most payroll cards will charge a fee if used at an ATM more than once per pay period. The payroll card account may be held as a single bank account in the employer's name. In that case, the bank account holds the payroll funds for all employees of that company using the payroll card system, and an intermediary limits each employee's draw to an amount specified by the company for a specified pay period. Some payroll card programs establish a separate account for each employee. WAD)
