[emkman]

Actually, they aren't the same. Payroll debit cards are protected by certain provisions that don't apply to GPR (general purpose reloadable) debit cards. Thankfully they have fewer predatory fees and it's required that 100% of the pay amount is put on the card. They can still be subject to very high ATM fees, and possibly inactivity fees (since the provider doesn't earn any interchange fees if the card isn't swiped. I can't recall all the details but I looked into implementing both versions at a previous job.