Reloadable Mastercards: How To Create a Custom Cash Reload Solution for Your Brand

A reloadable Mastercard is a type of digital prepaid card that can be topped up multiple times – making it ideal for repeat rewards, staff allowances, or managed business spending.

Unlike a traditional gift card or a credit card, it’s not tied to a bank account or credit limit. Instead, you choose the amount, load the card, and your employee or customer can use it anywhere Mastercard is accepted – both in-store and online. Even better, with mobile wallet integration, your team or customers can tap and pay using Apple Pay, Google Wallet, or Samsung Pay.

Vault’s reloadable Mastercards are built for businesses that want more control, branding options, and smarter engagement. With us, you get:

• Instant digital delivery – no postage delays or lost cards
• Your brand, front and centre – customise the card design and messaging
• Real-time tracking and reporting – monitor spending, top-ups, and balances
• Bank-grade security – reliable, compliant and safe
• No minimum load value – flexibility for businesses of any size

We make it simple to implement, whether you’re rewarding employees, managing internal budgets, or incentivising customers.

Managing team spending shouldn’t require complicated spreadsheets, reimbursements, or shared credit cards.

Vault’s employee expense cards offer a smarter way to handle business expenses like travel, supplies, events, or training.

Here’s how reloadable Mastercards simplify internal expense management:

• Set clear limits – control how much can be spent and where
• Track transactions – see real-time usage with detailed reports
• Eliminate reimbursement claims – no more paperwork or manual processes
• Enable individual access – no need for shared company cards

Reloadable cards give employees the autonomy to make purchases, while giving finance teams the visibility and control they need.

Whether you’re running a national sales team or a small business with a growing customer base, reloadable Mastercards offer flexibility that grows with you. There’s no minimum load value, no unnecessary admin, and no waste – just a smart, digital-first approach to incentives and spending. Some of the most common use cases include:

• Travel allowances
• Sales performance rewards
• Customer loyalty programs
• Expense management for contractors or teams
• Event or campaign-based rewards

It’s a versatile, scalable solution designed to simplify life for you and the people you reward.