作为pay cardusage picks up steam, you may consider using them in your small business. But before you decide to implement this payment method, you must understand pay card laws by state.
Many states have laws in place that prohibit, limit, or allow employers to use pay cards. Violating state (and federal) payroll debit card laws can result in penalties.
刷上州的支付卡，替代品，联邦法律和支付卡法律。
What is a pay card?
卡,工资或薪金卡,是一种支付方式here employers load employee net wages onto a prepaid card. Pay cards work similarly to debit cards. However, only your employees’ paychecks can be put on the reloadable cards.
员工可以使用支付卡来购买和付款，或者他们可以在ATM或银行提取现金。
有两类付卡：
- Branded
- 非奇价的
品牌薪酬卡包括Visa，Mastercard，美国运通和发现。非宽容的工资卡属于ATM或POS网络，如星形或脉冲。大多数工资卡都是品牌的。
One benefit of pay cards is that employees do not need to have bank accounts to receive their wages. According to one survey,6.5％的美国人在2017年占地. Pay cards could be a convenient alternative to direct deposit for both banked and unbanked employees.
Employers who pay employees via pay cards don’t need to worry about physically handing their workers checks or cash. Instead, employers can electronically load wages, regardless of where they or their employees are.
作为more employers and employees come to recognize the benefits of pay cards, the more popular this payment option becomes.
In 2017, there were5.9 million active pay cardsin the U.S. And, the study predicts that there will be 8.4 million pay cards by 2022.
在通过支付卡急于支付员工之前，您需要考虑一些事情：
- 雇主和雇员费用
- Security risks associated with lost cards
- 联邦和州薪资卡条例
- Pay card alternatives
Pay card alternatives
请记住，支付卡只是其中之一ways to pay employees. You may also opt for paying employees through direct deposit, paychecks, or cash.
Keep in mind that pay card alternatives come with their own rules and regulations. For example, there are state laws onmandatory direct depositthat you need to follow.
Federal payroll card regulations
Before diving into pay card laws by state, familiarize yourself with federal payroll card regulations.
There are two main rules associated with payroll cards that employers must follow:
- Fair Labor Standards Act (FLSA)
- 电子基金转移法和监管e
Under theFLSA，您不能支付低于最低工资的员工。支付卡费可以降低员工的工资低于最低工资。让员工了解提款和更换费用。并且，监控费用，以便您不违反FLSA规则。
电子基金转移法和监管eprohibit employers from forcing employees to receive wages via pay card. You must offer at least one other payment option in addition to pay cards.
Also, provide employees with apay stubif the payroll card vendor does not. That way, employees can view their gross wages, deductions, and net wages.
Because pay cards involve a payroll card program vendor, verify that the vendor complies with the following rules:
- Federal Electronic Fund Transfer Act and Regulation E protections, including disclosures, unauthorized transactions, etc.
- Card operating rules (Mastercard, Visa, Discover)
- Account access for employees
- Security
- 反洗钱
Follow pay card regulations when deciding to offer pay cards to employees. And, make sure you comply with state laws.
按国家支付卡法
超过一半的国家有关于雇主是否可以使用支付卡的法律。没有特定支付卡法的国家遵循联邦法规。
按国家支付卡法often revolve around the following:
- Other payment methods
- The ability to change payment method
- 每个支付期免费提款
- Fee prohibition
- Disclosure
- Employee consent
查看下面的图表，纳入州工资拨款卡法。
| State | Law |
|---|---|
| Alabama | No law |
| Alaska | No law |
| Arizona | An employer can pay employees with a pay card if the employee does not provide consent or choose a financial institution for direct deposit. However, employees must get one free withdrawal per pay period and be aware of all fees. |
| 阿肯色州 | No law |
| 加利福尼亚州 | Employees can receive their wages via pay cards as long as they comply with state laws governing payment by direct deposit or check. |
| Colorado | Employees must receive free access to their wages at least once per pay period, or they can choose a different payment method. |
| Connecticut | No law |
| D.C. | No law |
| Delaware | Employees can receive their wages on a pay card as long as they have full access to their wages at a bank close to work without incurring a fee. |
| Florida | 支付卡是员工接受工资的可接受的方法，但卡必须得到足够的资金至少30天的支持。 |
| 乔治亚州 | Employees must receive a written disclosure of fees and can choose to receive a check or direct deposit at any time. |
| 夏威夷 | 雇主必须为员工提供选择支付卡，支票或直接存款的选项。员工必须同意并收到书面披露。如果员工想要选择不同的付款方式，他们可以随时这样做。支付卡上的金钱无法过期。支付卡供应商每年必须提供免费更换，并允许员工每次支付至少三次免费提款。员工必须能够访问其帐户。此外，员工无法被罚款以忽视其账户。 |
| 爱达荷州 | No law |
| 伊利诺伊州 | 雇主只有在向雇员提供书面通知时才能支付员工，提供另一项付款方式，并获得员工的书面同意。 |
| 印第安纳州 | No law |
| Iowa | 员工必须提供其他支付方法以及付费卡，他们不能产生费用。 |
| Kansas | Employers can require employees to receive their wages via pay cards if the employee receives at least one free withdrawal each pay period. Employees are responsible for replacement fees. |
| Kentucky | Employees can use payroll cards at no cost and can switch payment options at any time. Pay cards expire after two years. |
| Louisiana | No law |
| Maine | The employee must be able to make one free withdrawal or choose another payment method. |
| 马里兰州 | 员工必须通过支付卡授权接收工资，并意识到任何费用。 |
| 密歇根州 | 员工必须至少收到每次支付期间的至少一个免费提款或转让。并且，他们可以随时选择新的付款方式。雇主负责雇员核查员工的权利，如果会有任何变化，请提前了解。 |
| Minnesota | Employees must receive one free withdrawal, receive one free transaction history per month upon request, and must give their consent to receive a pay card. Employees can also change the payment method at any time. |
| 密西西比人 | No law |
| 密苏里州 | If an employee does not have a checking or savings account or does not give information for setting up direct deposit, employers can pay them with a payroll card. |
| Montana | 员工必须可以通过支票和同意获得支付支付付款卡。并且，他们必须能够在没有费用，收到陈述，并在注册支付卡之前收到书面披露。 |
| Nebraska | Employees should receive one free withdrawal per pay period. Employers must provide a wage statement each pay period. Employers cannot pass payroll card fees onto employees. |
| 内华达州 | Employees must receive at least one free transaction, written disclosure, and they must give their consent. |
| New Hampshire | An employee must get one free withdrawal per pay period. Employees must also receive written disclosure before starting as well as the option of receiving a check. If the pay card has an expiration date, the employer is responsible for getting employees new ones and covering the cost. |
| New Jersey | 员工同意是必需的，他们必须能够随时选择新的付款方式。雇主需要提供书面披露。而且，员工每次支付期间至少会撤回一次。 |
| 新墨西哥 | No law |
| New York | 员工可以没有任何费用退出他们的薪酬卡。员工必须收到书面披露，并有银行在其工作附近提款。 |
| North Carolina | 员工必须能够在发薪日撤回所有金额。 |
| 北达科他州 | Employees must be given a choice between pay cards and direct deposit. Also, the pay card must be issued by a federally insured bank or credit union, and the money must be insured by the FDIC. |
| Ohio | No law |
| 俄克拉荷马州 | Employees cannot be charged a fee. |
| Oregon | Employees must be able to withdraw the entire amount of their first pay without fees, select a different payment method, and give consent. |
| Pennsylvania | Employees must consent to the use of pay cards in writing, receive one free withdrawal per pay period, and can stop receiving their wages on pay cards at any time. There can be no fees associated with the pay card for employees, and employees must be able to check the balance electronically or via phone. |
| Rhode Island | Employees must be allowed at least one free withdrawal per pay period. They must also authorize the payment of wages via pay card and be able to check their account balance at any time. |
| South Carolina | No law |
| South Dakota | No law |
| Tennessee | The employee must be able to withdraw or transfer their wages from the pay card, receive one free withdrawal or transfer per pay period, have the option of direct deposit, and receive a written disclosure from the employer. If an employee does not designate a financial institution for direct deposit, employers can choose to pay via pay card. |
| Texas | 雇主可以决定通过支付卡支付员工，只要他们以书面形式通知雇员，就可以为员工提供一种表格，他们可以填写申请备用付款方式，并从员工获得必要的信息来通过支付卡支付。 |
| Utah | Employees can withdraw their full paycheck without fees, and the full amount must be on their pay card on payday. |
| Vermont | 员工在收到支付卡的披露后必须提供书面同意。员工必须收到品牌支付卡，至少三次免费提款，每年免费更换卡。没有与支付卡相关的雇主费用可以传递给员工。而且，员工可以选择随时停止在支付卡上接收工资。 |
| Virginia | Employers can use pay cards without the employee’s consent for those hired after January 1, 2010 if the employee does not designate a financial institution for direct deposit. Employees must be allowed one or more free withdrawals per pay period. |
| 华盛顿 | No law |
| West Virginia | 员工和雇主必须以书面形式同意，并且工资卡账户必须由FDIC保险。 |
| 威斯康星州 | No law |
| 怀俄明州 | No law |
Check with yourstate department of labor有关国家支付卡法的更多信息。
Looking for an easy-to-use payroll system? Patriot Software makes payroll fast, easy, and affordable. Get your自我导游的演示today!
Want access to more information like this? Head on over to ourFacebookpage and give us a like! We love making new friends!
这并非旨在作为法律建议;有关更多信息，请click here.