The Leader in Incentive and Rewards Program Worldwide

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WELCOME TO THE DIGITAL FUTURE:

Innovative Solutions for a Better Tomorrow

  • Solutions for Businesses

    We provide brands with the tools they need to create customized reward experiences for clients, staff and corporate partners.

  • Benefits for Cardholders

    NTC Universe Cards are a convenient and secure way to carry, manage and spend funds. It’s safer, easier, and more rewarding too!

Services we’re offering

Advancing Businesses to the Next Level

Card Products

Through our unique partnerships with top global networks, we can provide you with your own customized prepaid Visa® card solutions that can be used to facilitate a multitude of payments and rewards, all on a single card.

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Technology

We are a leading provider of solutions for enhancing payments, rewards and loyalty through innovative technology.



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Services

We work with our clients to scale card programs quickly, using industry-leading expertise and a host of in-house services.



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  • 2 +

    Million Cards Issued

  • 30+

    Award winning 30+ years in the industry

  • 500+

    Businesses that use our modular solutions

  • 100+

    Use Cases


Common Faq’s

Proven Solutions for Your Success

  • NTC Universe, is an Canadian-based, female-led Marketing company set on a mission to disrupt and innovate the worldwide payment ecosystem using our innovative bank-agnostic FinTech platform. We re-imagine loyalty and payments combining 30+ years experience with the vast capabilities of our bank-agnostic FinTech platform.

  • The NTC Universe Prepaid Card is not a credit card. It is a prepaid, stored value payment card. Once funds are deposited on your card, you can make purchases, in-store or online, for goods and services at millions of locations worldwide where Visa® is accepted, subject to our Partner Bank restrictions.

  • Our company aims to build smarter, best-in-class disbursement solutions using the latest in fintech technology designed to deliver more rewarding, user friendly-experiences, that impact both the well-being and daily lives of our clients and customers, all from a single source.

    In 2001, our founders had the vision to enhance traditional rewards and loyalty—one that provided real-time gratification while helping businesses reduce inefficiencies and gain a clearer understanding of their clients.

    Today, we work with a growing network of over 500 brands across different industries, helping them manage and disburse billions of dollars to over millions of cardholders worldwide.

  • Customizable Funds Access
    Distribute cards that can be used anywhere Visa is accepted, including ATMs and retail outlets. Configure your program to allow or restrict access via geo-location or merchant categories.

    Reloadable Payments
    Reload cards up to a maximum balance of $5,500 at any given time. Add additional funds at any time, as needed in real-time.

    Spend Restrictions
    Merchant Category Code (MCC) and geo restrictions, allow purchases to be limited to specific merchant types based on each individual partner’s needs.

    Virtual Card Option
    With Virtual cards, recipients can instantly claim and use a virtual card online.

    Cash-back
    Offer cash-back offers at hundreds of eligible merchant locations, earn points on your card that convert to cash.

    Mobile Access
    Extend payment features and card management while gaining an extra added layer of security protection.

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Our Solutions

Solutions as unique as your business

Prepaid Incentives

Deliver the right incentive every-time with the flexible rewards, accepted at millions of locations that accept Visa® in-store and online.

Digital Payments

We give business owners the power to customize payments to best suit your needs and user preferences.

Employee Recognition

Improve engagement and build a culture of excellence across your entire organization with on-the-spot rewards for recognition, events, bonuses and more.

Expense Management

Avoid exceeding travel, overhead and employee expenses and gain control over your expenses. Customize spend, streamline reimbursements and leverage on-demand reporting for greater visibility.
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Real-Time Loyalty

Foster, enrich and retain long-term loyalty with our award-winning points-to-cash platform. Attract and retain more clients with flexible parameters for any size of businesses.
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Prepaid Disbursements

Quickly distribute funds, issue cards, manage transactions and define program options at any scale. Customize program restrictions and control how funds are spent.
Our 4 simple step

Empowering Your Business with Vision

Process 01

End to End Customization

Process 02

Program Support Built-in

Process 03

On-demand Card Management

Process 04

Performance
Insights

Clients review

What Our Customers Are Saying

The Prepaid cards are part of our Emergent Response to critical threats such as wildfire and floods to provide immediate support.

At first, we used prepaid gas cards, but decided to start using prepaid UBWC Visa cards and we can load them in our office in the denominations that we want. Using the UWBC Visa cards to hand out in those need will enable our staff in remote communities with an expense card featuring our brand.

Tracy Collins

Finance Director at UWBC

We have seen the program grow by 300%.

The team have always been available to work through any challenge, help us brainstorm on the most effective outcomes for our program.







Suzzane Merrell

Greater Toronto Airport Authorities

We have had a fantastic relationshiop for the past 10 years.

They have been extremely professional, dependable, and efficient in helping us with our deadlines.






Sonia Magini

Air Transat

We started last year to solve our weekly payout challenges.

They have given us a perfect solution to solve our problem and it is working great for us so far.







Jignesh Bharwad

JBR Staffing Solutions

Where Marketing, Meets Payments

We don’t believe in one size fits all solutions. Let us customize your needs.

  • We approach each project customized.

  • We measure the success

  • Our company offers a range of consulting

  • Our Members in Millions

    9 million+

  • Localized Banking In Countries

    46+

GET IN Touch

Join 500+ businesses that use our digital solutions and APIs to reward and activate customers in real-time.