A vanilla prepaid card functions as a payment method funded in advance with a specific balance. These cards typically operate on Visa or Mastercard networks, enabling use at merchants and online platforms that accept those payment systems until the balance reaches zero. Unlike credit cards, vanilla prepaid cards do not involve borrowing or repayment obligations. Spending is restricted to the available amount. Unlike debit cards, they are not linked to any bank account. After all funds have been used, the card becomes inactive.
