A prepaid card is a prepaid card that allows the card issuer to purchase goods or services outside the card issuer. It is a card issued by the card issuer with a specific carrier as the carrier. Prepaid cards do not have an overdraft function, but users can top up the prepaid cards through bank cards. Generally speaking, according to the provisions of the payment and settlement legal system, prepaid cards do not have the overdraft function.

Prepayment can only be paid by cash or bank transfer. Credit card cannot be used as a prepayment card. If you purchase a bearer prepaid card for more than 10,000 yuan at a time, you must use your real name and provide a valid identity document to the card issuer. When purchasing a prepaid card, an individual's one-time payment of more than 50,000 yuan should be purchased through non-cash settlement methods such as bank transfer, and cash is not allowed.

Based on the status of the issued prepaid cards and whether the cardholder’s identity information is recorded, prepaid cards are divided into two types: registered and unnamed. And the prepaid card is denominated in RMB and has no overdraft function. In the usage standards, buyers cannot purchase prepaid cards with credit cards, nor can they recharge prepaid cards.