HOW IT WORKS

There is a one time fee of $9.95 to enroll in the Next Step Card program, and purchase the primary virtual card and companion card.
There is a monthly fee of $14.95.
View fee chart…

Keep them away from cash and harmful places.
  • Bars
  • Cocktail lounges
  • Discotheques
  • Taverns
  • Escort/Dating/Services
  • Gambling Establishments
  • Gambling Transactions
  • Package/Liquor Stores
  • Pawn Shops
  • Bail Bond Payments
  • Massage Parlors
  • Other Sevices
  • No ATM withdrawals
  • No cash back at point-of-sale terminals
*PLEASE READ THE FOOTNOTE AT THE BOTTOM OF THE PAGE
 
Set and manage a daily spending limit and budgets.

Communicate with your Companion Cardholder to determine needs vs wants. Set a daily spending limit and budgets accordingly. Companion Cardholder cannot make changes to the account.

Set a daily spending limit.
Set monthly budgets by category.
Set alerts for each category.
Daily spending limits are on a 24hr per transaction basis.

Funds from a transaction are deducted from your account. They will be available for use again 24 hours from that time.
Example:
John has a $50 spending limit.
John spends $25 at 10am and another $25 at 10pm.
John will have no money available until 10am the following day,
at which time John will only have $25 to spend until 10pm
when the remaining $25 will be made available.
Monthly Transaction Cap.
Limit your Companion Cardholder to 40 transactions per month to promote healthy spending behaviors.
 
Stay on top of their spending anywhere, anytime.
  
 

You’ve worked together on setting budgets based on the Companion Cardholder’s needs. Now you can get a visual overview of how they are spending their money, and if they are spending within those budgets.
Grading system that allows you to see what areas your Companion Cardholder is doing well in, and where they need to improve. Keep your Companion Cardholder accountable for every transaction they make.
View screenshot… View screenshot…

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*No Liability of Next Step Network, LLC. Next Step Network LLC shall not be held liable and will be blameless for any damages resulting from approved transactions with merchants of the type on the list of Restricted Merchants who utilize an MCC code that is NOT a designation of restricted use; for example, a merchant transmits a request for authorization with an MCC code of “restaurant” yet it is a “bar”, and the underlying purchase is for an alcoholic beverage.