Variations on debit/credit cards that use the same processing model (e.g. prepaid, contactless/NFC, mobile/digital wallet solutions) are facing the same economic issues, because the cost structure does not change.
The Cardis Solution provides for game-changing economics by eliminating individual transaction processing and reconciliation on a consumer account basis. Patented aggregation technology enables several consumer LVP transactions to be handled as one larger value transaction processed through a payment network (credit, debit, ACH). By spreading the cost of processing of this single larger value transaction over a series of small payments, the overall cost is significantly reduced.