WesternCard’s family of companies deliver financial transaction processing services utilizing prepaid debit cards and a variety of self-branded debit card products.  The company WesternCard Association & Partners was incorporated in the State of Delaware, USA in 2004.  The company is focused on providing consumers a NEW GENERATION debit card which can be used automatically like a credit card. The new attributes of these debit/credit cards is to create a direct loan guaranty for future credit to consumers any time they shop or pay bills. Therefore, the end user’s buying power will be increased each time a purchase is made. Consequently, end users can maximize their buying power by using their WesternCard for all their transactions.

The WesternCard program is the result of extensive research and developmental efforts, which shows that more than 90% of the citizens of emerging nations do not have access to banks, financial services, instant cash at Automatic Teller Machines (ATMs) and Point of Sale (POS) terminals. But most importantly, they do not have access to credit of any kind. This means that 90% of the population of emerging nations has been ignored by the traditional banking system.  Most of these consumers, do not meet the basic qualifications and requirements set forth by typical banking industry standards to open an account.

In the competitive economic environment, merchants, producers of goods and services and their consumers need immediate access to their funds, and the availability of credit to operate at maximum efficiency. Credit increases their buying power, and gives the consumers access to global markets.  WesternCard enables the users to buy more economically by volume, and enables the purchasers to take advantage of an expanded relevant market via the internet or telephone that is only accessible through recognized credit vehicles. As noted previously, most of emerging nation’s consumers, merchants and producers of goods and services do not have access to credit.

With WesternCard, all consumers and merchants will have access to credit and a method for submitting online or telephone payments.  Purchases can be made on a global scale.  Local consumers can escape the financial tyranny of local merchants and unscrupulous local brokers that have previously taken advantage of captive markets and their reliance on locally isolated supply and demand. The poor need not pay more.  Local markets will become global markets.  Competition, quantity and variety can now be increased exponentially.

Additionally, WesternCard Program increase purchasing power for merchants and producers of goods and services and their consumers to operate at maximum efficiency.  Credit increases their buying power, enabling the users to comparison shop in a vast marketplace of competitors by globally increasing variety and quantities, designs and the quality of product available.

WesternCard program research and development efforts also illustrated that the use of mobile telephone in emergent nations is growing at an exponentially increasing rate. But, more than 80% of the cellular phone customers use the prepaid system. This means that the cellular customer literally has to stop performing his or her daily task, go to the nearest cellular prepaid card boutique, and hope that prepaid cards in the denomination the customers specified is available. This reduces the work force’s productivity, increases the risk to pick pockets, and incurs travel time and expenses to and from the boutiques. After hour and holiday transactions are currently impossible.

WesternCard program is particularly focused on providing a prepaid e-credit/debit card which will enable the mobile telephone consumers in emerging nations to prepay their mobile telephone credit via the Internet or telephone at a very competitive price, and have also the ability to add purchasing power to their mobile phone.

WesternCard program target market is the consumers using debit card or the consumers who desire to shop online in a very secure manner, and consumers who use cellular phones.

WesternCard program particularly target market is emerging countries consumers.  With the proliferation of public internet cafes and exponential development of cellular phones emerging countries consumers have more access to the services, utilities and the general global market place than ever before. This enables consumers to comparison shop worldwide for the best price and value for goods and services. This purchasing option is not developed today in emerging nations due to a lack of acceptable payment methods.

WesternCard program has created the most efficient, secure and flexible product to open the world marketplace to all people.  WesternCard program has created the most flexible, low cost and easy to use product of this type that is designed to help bridge the purchasing options that exist between the affluent and low wage earners in the world.