What BlxckPay does

BlxckPay is a U.S.-based fintech platform purpose-built for H-2A and H-2B employers paying seasonal agricultural, landscaping, and hospitality workers who lack U.S. bank accounts or Social Security numbers. The core product is a Visa prepaid debit card (issued through Community Federal Savings Bank, FDIC-insured) paired with an employer dashboard for batch payroll, a bilingual worker mobile app, and DOL-compliant digital pay stubs. Workers are onboarded using foreign passports or consular IDs, with wages loaded within 60 seconds via an FBO account or integration with incumbent payroll systems such as ADP, Gusto, and QuickBooks. The platform also offers built-in international remittances to Mexico, Guatemala, El Salvador, Honduras, Jamaica, and Haiti, and an AEWR compliance check runs before each wage load.

The company operates under the legal entity Blxck Pay by Epay card Programs INC and is led by Founder & CEO Luis Velez, President Bis Velez, CFO Patricio Velez, CPO Tomas Sarmiento, CTO Jorge Sanchez, COO Laura Miranda, and Chief Banking & Network Officer Chad Dewdat, supported by heads of operations, onboarding, compliance, and strategic partnerships. Headcount sits in the 11–50 range across a remote-first, U.S.-distributed team, with three open roles listed.

BlxckPay generates revenue primarily through interchange fees on worker card transactions plus optional premium services (expedited remittances and card delivery); employers pay zero implementation, platform, or per-transaction fees. Go-to-market is enterprise field sales anchored on a free 15-minute demo with a custom savings estimate, supported by SEO-optimized content, state-specific H-2A pages, and association partnerships (NCAE, WAFLA, Western Growers, FFVA, FNGLA, Seasonal Employment Alliance, Georgia F&V, CFVGA). Disclosed scale signals include 60+ employer relationships, 12,000+ workers paid, presence in all 50 U.S. states, and a 40% average cost reduction versus paper checks for switching employers.

Name

BlxckPay

Legal name

Blxck Pay by Epay card Programs INC

Website

https://blxckpay.us

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

BlxckPay is a U.S. fintech that issues Visa prepaid debit cards and payroll software for H-2A and H-2B seasonal employers paying migrant and underbanked workers, monetizing via interchange fees and remittances.

Ownership category

akta.pro rank

Product category

Workforce Payments / Payroll Card Platform

NAICS

Payroll Services (541214), Accounting, Tax Preparation, Bookkeeping, and Payroll Services (54121)

SIC

Finance Services (6199), Services-Prepackaged Software (7372)

akta.pro primary industry

Employer Payroll Processing (SMB & Enterprise) (FSAMAKAA)

akta.pro secondary industries

Payroll Cards & Salary Prepaid (FSAMANAE), Pay Card Programs & Earned Wage Access (EWA) Administration (BPACAIAK), International Payroll & Contractor Payments (FSAMAIAC), Global/Multi-Country Payroll & Cross-Border Payments (BPACAIAD)

Keywords

• Payroll debit cards
• H-2A workforce payments
• Earned wage access
• Agricultural payroll
• International remittances

Headquarters

HQ city

Magnolia

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Interchange Fees: Revenue generated from interchange fees on worker card transactions - merchants pay fees when workers use their Visa debit cards for purchases
2. Premium Worker Services: Optional premium services for workers including expedited international remittances and expedited card delivery generate additional revenue

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

BlxckPay provides a Visa prepaid debit card platform paired with an employer payroll dashboard and bilingual worker mobile app, purpose-built for H-2A and H-2B seasonal employers to disburse wages to migrant workers who lack U.S. bank accounts or Social Security Numbers. The platform enables instant wage loading (under 60 seconds), automatic DOL/AEWR compliance checking, DOL-compliant digital pay stubs, and built-in international remittances. It integrates natively with ADP, Gusto, and QuickBooks payroll systems, and operates on a zero-cost model to employers with revenue derived from interchange fees and optional premium worker services.

Product overview

BlxckPay is a fintech payroll card platform purpose-built for H-2A and H-2B agricultural and seasonal employers. The core offering consists of the BlxckPay Visa Debit Card (issued by Community Federal Savings Bank, FDIC insured) paired with an Employer Dashboard for batch payroll processing, a Worker Mobile App for balance and remittance management, and the Easy Payouts Portal for 24/7 wage dispersal. Feature modules include Digital Paystubs (DOL-compliant, auto-generated) and International Remittances (built into the worker app). The platform integrates with existing payroll providers (ADP, Gusto, QuickBooks) or can operate via a dedicated FBO employer account. Workers are onboarded using foreign passports or consular IDs — no U.S. bank account or SSN required. Pricing is zero cost to employers, with revenue generated through interchange fees on card transactions.

Differentiator

Problem solved

Functional benefit

Products and services

• BlxckPay Visa Debit Card FDIC-insured Visa prepaid debit card issued by Community Federal Savings Bank for H-2A and H-2B workers. Requires no U.S. bank account or SSN for activation. Workers receive instant wage payments, can use the card anywhere Visa is accepted, withdraw cash at 40,000+ fee-free ATMs, and send international remittances directly from the card.
• Employer Dashboard Web-based payroll management portal for H-2A/H-2B employers. Enables batch payroll processing for 5-5,000+ workers, worker enrollment tracking, payment status monitoring, and exportable DOL-compliant payroll records. Supports CSV/Excel file uploads for bulk worker payments.
• Worker Mobile App Bilingual (English/Spanish) mobile application for H-2A and H-2B workers to manage their payroll card. Features include balance checking, transaction history, paystub access, international remittances, and fee-free ATM location finder.
• Easy Payouts Portal 24/7 employer portal for dispersing wages to worker cards outside traditional banking hours. Allows real-time payroll processing without waiting for batch windows or bank business days.
• FBO Employer Account Service Dedicated For Benefit Of (FBO) employer account for payroll deposits as an alternative to native payroll integration. Employers send direct deposits to their FBO account and BlxckPay handles the distribution to individual worker cards.
• International Remittances Built-in international money transfer capability allowing workers to send funds directly from their BlxckPay balance to family in Mexico, Guatemala, El Salvador, Honduras, Jamaica, and other countries. Saves up to 50% compared to traditional remittance services.

Quantifiable outcome

• 40% average cost savings vs paper checks
• +4 more outcomes

Named customers8 records

Segments6 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature7 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• ADPcoreTechnology or IntegrationPayroll integration partner. BlxckPay works with ADP as existing payroll provider, connecting as payout layer without requiring employer to switch payroll systems.
• Community Federal Savings Bank (CFSB)coreOthersBanking partner issuing BlxckPay Visa debit cards. FDIC member bank providing card program infrastructure and regulatory oversight.
• Seasonal Employment AllianceminorGTM or Marketing PartnerIndustry association partnership for H-2A/H-2B employer outreach and awareness
• NCAEminorGTM or Marketing PartnerNational Council of Agricultural Employers partnership for industry advocacy and member outreach
• WAFLAminorGTM or Marketing PartnerWashington Farm Labor Association partnership for employer outreach in Pacific Northwest
• Western GrowersminorGTM or Marketing PartnerWestern Growers association partnership for California and Western state employer reach
• FFVAminorGTM or Marketing PartnerFlorida Fruit & Vegetable Association partnership for Florida H-2A employer outreach
• FNGLAminorGTM or Marketing PartnerFlorida Nursery, Growers and Landscape Association partnership
• QuickBookscoreTechnology or IntegrationQuickBooks payroll integration allows employers to use existing QuickBooks while BlxckPay handles worker payments
• GustocoreTechnology or IntegrationGusto payroll integration partner - employers keep Gusto for HR/payroll processing while BlxckPay handles worker payouts

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Félix Pago: Cross-border payments platform focused on remittances from the U.S. to Latin America. Comparable on the remittance leg of BlxckPay's offering and a stated BlxckPay integration partner.
• Payactiv: Earned wage access and payroll card platform serving hourly and lower-wage workers in the U.S. Most directly comparable on the earned-wage / prepaid-card rail, though Payactiv requires SSN/bank account unlike BlxckPay.
• Even: Earned wage access platform integrated with employer payroll systems, focused on hourly workers. Comparable on-demand pay product and employer integration GTM.
• Rapid! PayCard: Visa payroll card program for employers to disburse wages to employees without bank accounts. Directly comparable on the prepaid-card payroll distribution model.
• Branch: Combines earned wage access with a free Visa prepaid debit card and instant pay for hourly and shift workers. Closest direct overlap on bundled EWA + payroll card product.
• DailyPay: EWA provider offering on-demand pay access to employees through employer integrations. Comparable function and employer GTM motion, but built for the SSN/bank-account population.

Broad incumbents

• Wisely (by ADP): ADP's prepaid debit and digital pay platform for unbanked and underbanked workers. Broad incumbent in payroll cards with similar employer distribution, but ADP-wide scope rather than H-2A specialization.
• Green Dot: Large U.S. prepaid debit card and banking-as-a-service provider with payroll card products and BIN sponsorship. Comparable on card rails and FDIC-insured deposit infrastructure.
• NetSpend: Prepaid debit card provider targeting underbanked consumers and payroll card users. Comparable on serving unbanked U.S. workers with prepaid Visa/Mastercard products.

Emerging players

• Current: U.S. neobank offering prepaid debit accounts and early direct deposit for underbanked workers. Comparable prepaid-card product and target demographic, though broader consumer positioning.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/blxckpay
• LinkedInlinkedin.com/company/blxckpay

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about BlxckPay