A stored-value card is a payment card with a monetary value stored on the card itself, not in an external account maintained by a financial institution and differs from debit cards where money is on deposit with the issuer. Another difference between stored-value cards and debit cards is that debit cards are usually issued in the name of individual account holders, while stored-value cards are usually anonymous. The term stored-value card means the funds and or data are metaphorically ‘physically’ stored on the card, in the form of binary-coded data. With prepaid cards the data is maintained on the card issuer’s computers. The value associated with the card can be accessed using a magnetic stripe embedded in the card, on which the card number is encoded; using radio-frequency identification (RFID); or by entering a code number, printed on the card, into a telephone or other numeric keypad.