$10,000 / MO
1.8% Starter
$180/mo credit
$2,160 returned annually
RESELLER PROGRAM // LIVE
WHOLESALE PREPAID
DISTRIBUTION
BigPrepaid is the wholesale backbone for 6,247 active reseller accounts across 38 countries — delivering PINs, physical cards, and e-gift codes for every major prepaid product line at distributor-direct pricing. Cut the aggregator layer, lift margin 23.4% in 90 days, and unlock Net-30 terms after your first $15,000 in lifetime volume.
- SettlementAPI reply in 900ms
- Fulfillment99.97% across 8.3M txns
- ComplianceSOC 2 Type II // ISO 27001
- Dealer Desk17s answer, US-based
QUALIFICATION TIERS
Four tiers. One path from first PIN order to Net-30 credit terms.
Every reseller starts at Starter. Volume is tracked in real time. Tiers auto-upgrade the moment your lifetime wholesale spend crosses the next threshold — no re-application, no waiting period.
| Tier | Lifetime Volume Unlock | Monthly Rebate | Payment Terms | API Rate Limit | Dealer Desk |
|---|---|---|---|---|---|
| Starter | $0 – $2,499 | 1.8% | Prepay only | 60 req/min | Email + ticket |
| Growth | $2,500 – $14,999 | 2.4% | Prepay (ACH/wire) | 240 req/min | Email + 24/7 chat |
| Volume | $15,000 – $74,999 | 3.1% | Net-7 (eligible) | 900 req/min | 24/7 phone + chat |
| Net-30 Wholesale | $15,000+ & credit review | 3.8% – 4.2% | Net-30, no personal guarantee | 3,600 req/min | Dedicated account manager |
REBATE PAYOUT
All rebate percentages are paid the 5th of each month as account credit against future orders. No cash-out fees, no minimum payout threshold, no clawback on returned PINs beyond standard chargeback handling.
REBATE ECONOMICS
Run the math. Rebates return 1.8% – 4.2% of your monthly turnover as account credit on the 5th.
Below is the realistic dollar value of rebate credit at four monthly volume bands — using the midpoint rebate for each tier. Bigger monthly volume flips you into a higher tier and a larger rebate percentage.
$50,000 / MO
2.4% Growth
$1,200/mo credit
$14,400 returned annually
$150,000 / MO
3.1% Volume
$4,650/mo credit
$55,800 returned annually
$400,000 / MO
4.2% Net-30 Wholesale
$16,800/mo credit
$201,600 returned annually
Rebate applies to net wholesale spend on catalog SKUs after returns and chargebacks. Credit is auto-applied to orders starting on the 5th of the following month — no paperwork, no manual claim.
SWITCH BENCHMARK
23.4% margin improvement within 90 days of switching from a competitor platform.
BigPrepaid holds direct Master Distributor status with Visa, Mastercard, American Express, and Discover open-loop programs, plus direct integrations with Blackhawk, InComm, PaySign, and Greenlight. No aggregator markup sits between you and the issuer.
TYPICAL AGGREGATOR STACK
- Wholesale source cost$100.00
- Aggregator markup+$6.40
- Reseller load fee+$1.20
- Monthly rebate0.0%
- Effective cost basis$107.60
BIGPREPAID DIRECT
- Wholesale source cost$100.00
- Aggregator markup$0.00
- Reseller load fee$0.00
- Monthly rebate (3.1% Volume tier)−$3.10
- Effective cost basis$96.90
Net swing on a $100 wholesale unit: $10.70 — a 23.4% lift at the median reseller's blended margin profile. Documented across the trailing-twelve-months cohort of accounts that migrated from a competing platform.
NET-30 QUALIFICATION PATH
From signed application to active Net-30 terms in five business days. No personal guarantee required.
Net-30 credit unlocks once lifetime wholesale volume hits $15,000 and a standard business credit review clears. The path is deterministic and timeline-bounded — no opaque underwriting or surprise re-papering.
-
01
Wholesale Account Application
Submit your business entity details, EIN or equivalent tax ID, resale certificate, and a principal contact. Approval typically completes within 24 hours during US business days.
-
02
First Orders on Prepay
Fund your account via ACH, wire, or USDC stablecoin and start ordering. Every dollar counts toward lifetime volume. API credentials are issued immediately on first order — full Verizon, AT&T, T-Mobile, Cricket, Tracfone, Mint, and 22 MVNO carrier catalogs are accessible from minute one.
-
03
$15,000 Lifetime Volume Threshold
When your lifetime wholesale spend crosses $15,000, the system auto-flags your account for credit review. No action required on your end — you receive an email the same day with a short credit packet to complete.
-
04
Net-30 Terms Active
Credit review completes within three business days of a clean packet. Terms go live with no personal guarantee required. Default credit line scales with monthly volume: $25K baseline, $250K at the Volume tier, $1M+ at Net-30 Wholesale.
DEALER-TO-DEALER Q&A
The questions a serious reseller asks before moving inventory capital.
Short answers from our dealer desk. If yours isn't here, call +1 (305) 482-9174 — a US-based prepaid specialist answers in 17 seconds on average.
When do I get API access?
Immediately after your first funded order — typically within an hour of signup. API keys ship with full coverage of every catalog SKU and the 900ms settlement window referenced on the API page. Sandbox credentials are issued at application, live keys at first payment.
Do you sponsor BINs for open-loop Visa/Mastercard?
BigPrepaid holds direct Master Distributor status with the four major open-loop networks. We sponsor BIN access for active resellers at the Volume tier and above — no separate BIN lease paperwork on your end, no per-card BIN fees, and no minimum buy-through beyond standard catalog pricing.
What compliance documentation do you require?
A state resale certificate (or country equivalent), EIN or tax ID, and a principal contact for KYC. Our 31 in-house licensed prepaid compliance specialists handle ongoing state-by-state registration as your catalog expands. SOC 2 Type II audited annually since 2019; ISO 27001 certified.
Do you ship physical cards internationally?
Yes, to 38 countries. Physical card orders route through our Miami distribution hub and ship via DHL with full tracking. International resellers default to 96% digital delivery — PINs and e-codes dispatch in under 4 seconds after payment clears, no customs or freight wait time.
How are chargebacks and PIN returns handled?
Unused PINs can be returned within 30 days for full wholesale credit. Used or compromised PINs follow issuer chargeback rules — we file on your behalf with carrier and gift card issuers and credit your account within 14 business days of resolution.
What triggers an account suspension?
Three things, in order of severity: (1) chargeback ratio exceeding 1.5% over a rolling 30-day window, (2) suspected violation of prepaid KYC/AML rules, (3) non-payment on Net-30 terms past 45 days. We issue written warnings before any suspension, with a 7-day cure window for items 1 and 3.
Ready to qualify?
Open a wholesale account. First $500 minimum order. Net-30 review unlocks at $15K lifetime volume.