Benefits of Nayax Prepaid for Your Business

 

What Is Nayax Prepaid?

Nayax Prepaid is a closed-loop payment card that is not linked to a bank checking account. Operators (or their end-consumers) preload the card with funds using a credit card, cash at the machine, or the Monyx app. The card balance is managed entirely in Nayax Core under Consumers > Card Management.

Because it operates in a closed loop, every transaction stays within your ecosystem - giving you full control over funds, pricing, and customer experience.

Key Benefits for Operators

1. Guaranteed Revenue with Preloaded Funds

When a cardholder revalues (tops up) their Prepaid card, those funds are committed to your machines. Unlike credit card transactions, there are no chargebacks or pending authorizations the money is already in the system.

• Cardholders preload funds via credit card at the machine, cash at the machine, the Monyx app, or manual admin credit in Nayax Core.
• Funds stay on the card until spent at your machines, creating a predictable revenue stream.
• Example: A vending operator with 200 active cardholders averaging €25 loaded per month has €5,000 in committed revenue before a single item is sold.

 

2. Lower Transaction Costs

Prepaid transactions processed at the machine are closed loop, they do not route through external payment networks each time. This means:

• No per-transaction interchange or processing fees at the point of sale.
• Credit card processing fees apply only once; at the moment the card is revalued not on every individual purchase.
• Example: If a cardholder revalues €50 once and makes 10 separate purchases, you pay processing fees on one €50 transaction instead of ten separate ones.

 

3. Increase Customer Loyalty with Rewards

Nayax Prepaid includes a built-in Reward Program that lets you incentivize higher top-ups and repeat usage.
Configure up to 3 reward tiers at the Operator Level (applies to all cards) or the Card Level (applies to a specific card).

Reward Type	How It Works	Example
Revalue Bonus (Percentage)	Cardholder revalues and receives a % bonus on top of the amount loaded.	Revalue €15, get 10% bonus = €16.50 total
Revalue Bonus (Fixed Amount)	Cardholder revalues and receives a fixed currency bonus.	Revalue €30, get €20 bonus = €50.00 total
Member Type Status	Assign cardholders to tiers (e.g., Gold, VIP) that unlock pricing or access benefits.	VIP members get access to premium machine selections.

• Rewards encourage cardholders to revalue more and spend more directly increasing your per-customer revenue.
• The Monyx app displays bonus information at revalue, creating a transparent and engaging consumer experience.

 

4. Works Offline - No Connectivity, No Problem

Nayax Prepaid supports Offline payments (Deferred Online). Transactions process locally on the machine and sync when connectivity resumes. This is critical for operators with machines in basements, rural areas, or locations with unreliable internet.

• Cardholders can continue purchasing even when the machine is temporarily offline.
• Transaction data syncs automatically to Nayax Core once connectivity returns no manual intervention needed.

 

5. Flexible Card Types for Every Use Case

Nayax supports a range of physical and virtual card formats to suit different environments and consumer preferences:

Card Format	Best For
Magnetic (swipe) card	Traditional vending, laundry, car wash environments.
MIFARE / MHIF (contactless)	High-traffic locations where speed matters (cafeterias, offices).
QR code	Low-cost deployment; easy to print and distribute.
Monyx app Virtual ID	Tech-savvy consumers; no physical card needed.
Contact card	Secure environments requiring physical insertion.
Contactless sticker	Wearables, keychains, or custom branding options.
Dual card (Contact + Contactless)	Maximum compatibility across all machine types.
Custom 3rd Party ID	Integration with existing employee or campus ID systems.

 

6. Full Operator Control & Visibility

Every aspect of the Prepaid card lifecycle is managed in Nayax Core, giving you complete control:

• Set card limits: maximum balance, revalue limits, expiration dates, and usage restrictions.
• View transaction history: see every revalue and purchase per card in real time.
• Manage cards at scale: import and export cards via Excel for bulk operations.
• Move cards between operators: transfer cards if your business structure changes.
• Track reporting & analytics: monitor card usage patterns, popular revalue amounts, and reward program performance.

 

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Benefits for Distributors & Partners

As a distributor or partner, Nayax Prepaid gives you a compelling value-add to offer operators during onboarding:

• Differentiate your offering: Prepaid with rewards is a loyalty feature many operators haven’t explored position it as a growth tool, not just a payment method.
• Reduce support tickets: offline payment capability and closed-loop simplicity mean fewer payment-related issues for your support team.
• Drive operator retention: operators who use Prepaid with active cardholders are more deeply embedded in the Nayax ecosystem.
• Upsell opportunity: introduce Prepaid as part of a broader conversation about the Monyx app, loyalty marketing, and consumer engagement.

 

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Quick Comparison: Prepaid vs. Standard Payments

Feature	Standard Credit/Debit	Nayax Prepaid
Transaction fees	Per-transaction processing fees	Fees only at revalue, not per purchase
Offline capability	Requires connectivity	Supported (Deferred Online)
Loyalty rewards	Not built in	Built-in reward program (up to 3 tiers)
Revenue commitment	Pay-per-use	Funds preloaded and committed
Consumer data	Limited (card network dependent)	Full visibility in Nayax Core
Card format options	Standard bank cards only	8 formats including virtual, QR, sticker

 

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Getting Started

Ready to set up Prepaid for your business? Follow the learning path:

1. Create your first Prepaid card see “How to Create a Prepaid Card in Nayax Core”
2. Set card limits and restrictions see “Setting Card Limits & Restrictions”
3. Configure a Reward Program see “Set a Reward Program at Operator Level”
4. Enable Monyx app revalue see “Monyx App: Consumer Revalue Bonus Experience”