What Is Nayax Prepaid?

 

What Is a Nayax Prepaid Card?

 

A Nayax Prepaid card is a closed-loop payment card that is not linked to a bank checking account. Instead, operators (or their end-consumers) preload the card with funds. The card can then be used to make purchases at the operator’s machines.

“Closed-loop” means every transaction stays within the Nayax ecosystem. The card balance, limits, and rewards are all managed by the operator in Nayax Core under Consumers >Card Management.

• The cardholder loads funds onto the card (this is called a revalue).
• The cardholder taps, swipes, or scans the card at a machine to make a purchase.
• The purchase amount is deducted from the card balance in real time.
• The operator sees every transaction in Nayax Core and can run reports on card usage.

 

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Who Is Prepaid For?

Nayax Prepaid is designed for any operator who wants to offer their customers an alternative to cash or credit card payments. Common use cases include:

• Vending operators offer loyalty rewards and reduce per-transaction fees.
• Office and workplace environments provide employees with preloaded cards for cafeterias, coffee machines, or snack vending.
• Laundry operators give customers a reusable card that replaces coins.
• Campus and education integrate with existing student ID cards using the Custom 3rd Party ID format.
• Car wash operators sell preloaded wash cards as a loyalty tool.
• Low-connectivity locations use Prepaid with Offline payments (Deferred Online) where internet is unreliable.

 

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How Do Cardholders Load Funds?

Loading funds onto a Prepaid card is called revaluing. Nayax supports 5 revalue methods:

Method	Description
Manual / Admin	The operator adds credit directly in Nayax Core (Consumers > Card Management > select card).
Credit card at machine	The cardholder inserts or taps a credit card at the machine to load funds onto the Prepaid card.
Credit card via Monyx app	The cardholder revalues through the Monyx mobile app using a saved credit card.
Cash at machine	The cardholder inserts cash into a bill acceptor at the machine to load funds.
Reward (system-added)	The system automatically adds a bonus amount when a reward program is configured.

 

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Card Types in Nayax Core

Nayax Core manages four card types under Consumers > Card Management. This help center focuses exclusively on Prepaid cards.

Card Type	Purpose
Prepaid Card	Payment cards are preloaded with funds by the operator or consumer. This is the focus of this help center section.
Refund Card	Created automatically as a refund for an undispensed product. Balance is typically the cost of the product.
Technician Card	Used by operator employees to access the technician menu on the machine (send DEX, open settings, etc.).
Discount Card	Provides specific consumers with a discount upon purchase at the operator’s machines.

 

Important Once a card type is set during creation, it cannot be changed. Make sure you select the correct type when creating a new card.

 

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Physical Card Formats

Nayax Prepaid supports multiple physical and virtual formats.
The physical type you select in Nayax Core is for record-keeping it does not affect whether a transaction is processed. A card configured as “Swipe” in Nayax Core will still work if it’s actually a contactless card.

Physical Format	Technology	Best For
Magnetic (swipe) card	Magnetic stripe read by swipe reader	Traditional vending, laundry, car wash
MIFARE / MHIF (contactless)	NFC / RFID contactless tap	High-traffic: cafeterias, offices
QR code	Printed or displayed QR code scanned by camera	Low-cost deployment, easy distribution
Monyx app Virtual ID	App-based virtual card, NFC or QR	Tech-savvy consumers, no physical card
Contact card	Chip card inserted into a reader slot	Secure environments requiring insertion
Contactless sticker	NFC sticker affixed to keychains, wearables	Custom branding, wearable convenience
Dual card (Contact + Contactless)	Chip + NFC in one card	Maximum compatibility across machines
Dual card (Swipe + Contactless)	Magnetic stripe + NFC in one card	Legacy + modern machine environments
Monyx Virtual Card	App-only virtual card	Fully digital, no physical card needed
Custom 3rd Party ID	Integration with external ID systems	Campus, employee, or membership IDs

 

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Key Features at a Glance

• Operator-managed balance: Set maximum balance, revalue limits, expiration dates, and usage restrictions per card.
• Reward programs: Configure up to 3 bonus tiers (percentage or fixed amount) at the operator or card level.
• Offline payments (Deferred Online): Transactions process locally on the machine and sync to Nayax Core when connectivity resumes.
• Spending limits: Set daily, weekday, weekly, or monthly spending caps per card.
• Monthly reload & reset: Automatically reload cards with a set amount on specified dates each month.
• Import/export: Manage cards at scale via Excel import and export.
• Reports & analytics: Track card sales, revalue history, and usage patterns in Nayax Core.

Next Steps

Now that you understand what Nayax Prepaid is, follow the learning path:

1. Benefits of Nayax Prepaid — understand the business advantages.
2. Prepaid Quick Start Guide — a checklist for your first setup.
3. How to Create a Prepaid Card — step-by-step card creation.
4. How to Revalue a Prepaid Card — all 5 methods for loading funds.