Pinched by Plastic: The Impact of Payroll Cards on Low-Wage Workers

A 2014 report by the New York Attorney General's Labor Bureau on the use of payroll cards in traditionally low-wage industries.  The report found that although cards provide numerous benefits to both employees and employers, serious problems exist for low-wage workers, employees with limited English proficiency (LEP) and individuals lacking internet access. Problems include information gaps on how to obtain wages, and mounting fees for basic use of the card. The report also found that a growing number of employers require workers to use payroll cards.