The product is a pre-paid Visa card. You have to buy the card, then to put additional funds on it there is also a charge. Another charge they have is a monthly fee of $5.95. When your card’s balance becomes zero PayPower will continue to charge monthly fees, making a negative balance. The only way to avoid this is to login to their web site with the account you were required to setup to activate the card, there you can cancel the card. My complaint is it should not be possible to have a negative balance on a pre-paid Visa card. This company counts on the monthly fee charges to add up, even when a person is obviously done with the card when they’ve spent the money they put on it. It would be very easy for PayPower to, upon seeing a card’s balance is 0, to de-activate the card and not allow it to be used until the owner pays to put more funds on it. Instead no notice is given, they simply add a negative balance to your “pre-paid” card. This is simply low-life business practice they can justify all they want, but in the end it’s still bottom-feeding.