"Until this report, reload was always evaluated as a function strictly associated with a particular product. Retailers, transit operators, payroll card suppliers, managers prepaid financial services program (general purpose reloadable cards) all looked at reloads as a unique service they offer. This research proves that reload implementations share many common attributes and that the lessons learned in one reload domain can be extremely valuable in other domains. The facts uncovered in this report suggest that many of the most common complaints seen on message boards regarding funding problems are actually driven by the operational limitations of the ACH."

Tim Sloane, Director of Mercator's Prepaid Advisory Service and author of the report Measuring Reload: ACH, Cards, Cash, and Checks.