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3Pea International, Inc. (TPNL)

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About 3Pea International

3PEA International (TPNL) is an experienced and trusted prepaid debit card payment solutions provider as well as an integrated payment processor that has millions of prepaid debit cards in its portfolio. Through its PaySign brand, 3PEA designs and develops payment solutions, prepaid card programs, and customized payment services. 3PEA manages programs for many of the world’s largest pharmaceutical manufacturers with copay assistance products designed to maximize new patient acquisition, retention and adherence. 3PEA’s corporate incentive prepaid cards are changing the way corporations reward, motivate and engage their current and potential customers, employees and agents. 3PEA’s customizable prepaid solutions offer significant cost savings while improving brand recognition and customer loyalty. 3PEA’s customers include healthcare companies, major pharmaceutical companies and source plasma providers, large multinationals, prestigious universities and social media companies.

Financial Highlights

--> Explosive Growth with 2014 revenue up 63% and Net Income of $2.61M up from $0.611M in 2013 (With Q4 of 2014 showing incredible improvement with $2.8M of net earnings and 0.07 EPS in one quarter!)

--> Strong improvements in short-term liquidity, debt profile and cash on hand in 2014 
     * Unrestricted Cash up from $1.027M to $3.886M
     * Overall Working Capital improves to a positive $1.802M (as at YE2014) with Current ratio increasing from 0.90 in 2013 to 1.20
     * in Q1 2015 the company further improved its debt profile by paying off a total of $817,950 in notes payable further improving its financial metrics  (Working capital and short-term liquidity likely even better than figures
       mentioned above)    

--> Cash flow has immensely improved with operating cash flow increasing to $3.082M for 2014 from ($0.620M) in 2013; Net change in cash for 2014 was $2.859M.

--> Overall share count (non-diluted) has decreased to 36,669,106 from 38,936,106 in 2013 due to the company buying back 2.44M shares.

--> As per a recent OTCQB filling the company's management and directors own 71.8% of shares (incredibly low float!)

--> Company reports currently having the most robust pipeline of potential customers in its whole history! There is also mention of aggressively pursuing opportunities in the European Union (where they have opened a
      satellite office per the recent filling).      


         State of the Art Payment Processing Platform - PaySign

PaySign is 3Pea's brand that represents a revolutionary payment processing solution that took years of development. It is a reflection of 3Pea's commitement to providing innovative, cost effective, customizable payment solutions to a variety of industries for multiple purposes. The platform was designed to easily incorporate new payment technologies and applications as they evolve, keeping 3Pea at the forefront of payment innovation.


PaySign's Key Features

--> The platform is equipped to facilitate EuroPay, mastercard and Visa smart card system payments on a global basis.

--> PaySign meets PCI-DSS 2.0 compliance and facilitated 3Pea's certification as a Level 1 service provider (issuer), gateway/switch, prepaid services and
      issuer processing provider.

--> Provides a seamless user interface through client friendly online card management as well as an efficient card activation and cardholder inquiry process
     done through interactive voice response and two way messaging.

--> The Paysign Brand comes with its own line of prepaid debit cards which targets the corporate sector, consumers and public sector applications.  

--> 3Pea entered into an agreement with Visa to exclusively offer Visa branded prepaid cards for its PaySign brand. This solidifies 3Pea's position in the prepaid
      industry by giving it the backing of a leader in global payments as well as solidifying the company's reputation and brand recognition.

--> Provides increased flexibility and efficiencies that will significantly reduce time and costs related to card program development and customization, resulting
      in increased operating margins.


 PaySign Solutions/Applications 

The PaySign Platform is extremely flexible and can be used in the following industry-specific applications.

--> Corporate Incentives: In a market that is expected to grow to $26.5 billion by 2016, PaySign® corporate incentive cards are the perfect vehicle for
     corporations looking to engage and motivate their customers, employees, and trade partners. PaySign cards are perfect for customer rebates, employee
     bonuses and trade partner commissions. Examples of corporate incentive cards include prepaid cards used as incentives to purchase big ticket items such
     as automobiles, smartphones and major appliances.


--> Payroll: PaySign payroll cards reduce administration costs and streamline operations for companies looking to provide an efficient payment method for
     unbanked employees. The overall market for prepaid debit cards for payroll is expected to reach $66.4 billion by 2016.

--> Public Sector: Federal and local governments, educational institutions, and other public sector organizations are constantly looking to improve efficiency
     and reduce costs. The PaySign card for the public sector provides an effective way to reduce costs and inefficiencies, whether related to disbursements of
     public benefits or internal payments. The total prepaid card market for government payments is projected to reach $119.4 billion by 2016.

--> Pharmaceutical Co-Pay Assistance: 3PEA’s Allegiance Rx card is now available under the PaySign brand. Our co-pay assistance cards have been
     utilized by major pharmaceutical companies for brands such as Viagra®, Vyvance® and Restasis® to name a few.

--> Source Plasma Donors: Plasma collection companies nationwide can turn to the PaySign brand of cards for a customized payment solution for plasma
     donors. The PaySign solution offers either a customized Plasma Web portal solution or direct integration into donor management software.


Industry Sector Growth

--> First Annapolis published a study that projected that in the US, the total prepaid market could be worth up to $411B by 2016. This represents a cumulative 
      annual growth rate of 21% from 2011.
--> The largest sector is consumer reloadable cards which includes in majority prepaid debit cards which have experienced dramatic growth recently.


--> The trend for prepaid cards is not only a phenomenon in the United States. There remain large untapped growing markets all around the globe. The
      Mercator Advisory Group's Research Report found that as of 2009, in the top 30 ranked Global markets (excluding the US), there was a potential of
      $1,455.55B in the prepaid market.

Management Team


Mark R. Newcomer, President / Chief Executive Officer / Director

Mr. Newcomer serves as President and Chief Executive Officer of 3Pea International and has served as a Director since March 2006. From February of 2001 to present, Mr. Newcomer has served as Chairman and CEO of 3Pea Technologies, Inc., a payment solutions company he co-founded in 2001. Mr. Newcomer continues to be a driving force in guiding the company's growth through technology investments, acquisitions, new product lines, and strategic partnerships. Mr. Newcomer attended Cal-Poly San Luis Obispo where he majored in Bio-Science.

Brian Polan, Chief Financial Officer

Mr. Brian Polan, served as the Company’s VP of Corporate Finance since October 2013, and VP of Investor Relations from June, 2012 to September 2013. From January 2010 to June 2012, Mr. Polan was a Financial Advisor with DLG Wealth Management, LLC. From 1983 to December 2012, Mr. Polan held various positions in the retail brokerage industry and was licensed as a general principal, options principal and municipal bond principal. Mr. Polan received his BS Degree in Business Administration from The State University of New York at Buffalo.

Anthony E. DePrima, Esq., Secretary / Director

Mr. DePrima serves as Secretary and as a Director of 3Pea International, and has served as a director since October 2009. Mr. DePrima is a highly experienced attorney licensed in Arizona with broad corporate management experience. He has been an active member of the State Bar of Arizona since April 1967 to the present, and a former member of the American Bar Association. During this time he served as a Member of the U.S. Department of Commerce District Export Council for District of Arizona, and Chairman of the International Section of the Arizona Bar, Chairman of the Legal Advisory Committee of the Arizona Mexico Commission, and Director of the Arizona Mexico Commission. His law practice has included Corporate, Commercial, Business, International Trade and US Customs Law, as well as general trial practice with numerous court and jury trials. Mr. DePrima is currently a member of Lerch & DePrima PLC, attorneys. He is a Director and General Counsel of Coal Brick Oven Pizzeria, Inc., a Delaware corporation (Grimaldi's Pizzeria chain of restaurants). For over 20 years he has been Director and Secretary of Media Concepts, Inc., an Arizona corporation which publishes Native Peoples Magazine. Through the years he has held positions of Director, Chief Executive Officer, President, Secretary, Executive Vice President, and Chief Financial Officer of medium sized publicly traded companies. Mr. DePrima has a BS in General Business from Arizona State University School of Business, and Juris Doctorate from the University of Arizona.

Daniel H. Spence, Chief Information Officer / CTO

Mr. Spence serves as Chief Information Officer and as a Director of 3Pea International, and has served as a director since March 2006. Prior to founding 3Pea Technologies, Inc. in 2001 with co-founder Mark Newcomer, Mr. Spence designed and developed secure middleware for Internet financial processing systems in various contract positions. From 1995-1997 Mr. Spence was Systems Manager at The Associated Press, From 1997-1999, Mr. Spence was Director of Technology Planning at The Associated Press, the world's largest news gathering organization with over 4000 employees in 227 countries. From 1984-1994, Mr. Spence was with Coca-Cola in Australia implementing financial and line of business systems for Coca-Cola operations worldwide. He has 20 years experience deploying large-scale technology solutions for major international corporations.


SEC Legal Counsel
Robert J. Mottern, Esq.
The Investment Law Group of Gillett, Mottern & Walker, LLP
1230 Peachtree Street, N.E., Suite 2445
Atlanta, GA 30309
SEC PCAOB Auditors
Dennis Sarna, CPA
Sarna & Company, CPA's
301 N. Westlake Blvd., Suite 270
Westlake Village, CA 91362

Stock Transfer Agent:

Corporate Stock Transfer
3200 Cherry Creek Dr. South
Suite 430
Denver, CO 80209
Telephone: (303) 282-4800
Facsimile: (303) 282-5800

Contact Information:

3PEA International:
Brian Polan, 702-749-7234
VP Corporate Finance


Click Here For the Company's Corporate Snapshot

Articles About 3PEA International

Seeking Alpha (Dallas Salazar) - 3Pea International: Entry Into Automotive Sector Creates Unique Big Data And Analytics Opportunity - 2015-04-23

Seeking Alpha (Dallas Salazar) - Initiating 3Pea International: FCF Positive, High Growth And Operating Leverage - 2015-04-21

MicroCap Daily - A Look at 3pea International (OTCBB:TPNL) - 2015-03-26

Seeking Alpha -  Everyone Wants Their Hands On The Prepaid Card Industry - 2013-04-12

*This document contains projections and other forward-looking statements regarding future events. Such statements are predictions, which may involve known and unknown risks, uncertainties and other factors, which could cause the actual events or results and objections to differ materially from those expressed.






- 3Pea Internationals' Recent Developments -

- 2014-09-29 - Creation of an advisory board of seasoned industry professionals for insight and strategic direction
- 2014-10-02 - Launches its PaySign brand of prepaid cards
- 2014-10-07 - The Interstate Companies Selects 3PEA’s PaySign Prepaid Solution for Plasma Collection Centers
- 2014-10-08 - 3PEA International Welcomes Former Ford Motor Land Services President Alex Goldberg to Its Advisory Board
- 2014-10-09 - Revenue Guidance for 2014 of $9.25 Million to $9.75 Million (47-55% growth) with record net income
- 2014-10-14 - Visa and 3PEA International Execute Branding Agreement for 3PEA’s PaySign® Brand
- 2014-10-21 - 3PEA International and Haemonetics Partner to Integrate PaySign Connect with Haemonetics’ Donor Management System
- 2014-10-22 - 3PEA International Welcomes Plasma Industry Technologist Lenny Goodman to its Advisory Board
- 2014-10-28 - B Positive National Blood Services Selects 3PEA International’s PaySign as its Exclusive Donor Payment Solution
- 2014-10-29 - 3PEA International Board Approves Share Repurchase Program for 2.7M shares (approx. 7% of market capitalization)
- 2014-11-13 - Released Third Quarter Results with Revenue Up 61% to $1.7M; Gross Margin Up 630 Basis Points to 36.7%
- 2015-02-26 - 3Pea International Acquires 2.4 Million Shares (~6% of float)
- 2015-03-25 - 3Pea Announces Record 2014 Earnings! (Revenue Soars 63% to $10.2M with a Net Income of $2.6M up from $0.60M in 2013)
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TPNL News: Current Report Filing (8-k) 08/15/2017 04:15:56 PM
TPNL News: Quarterly Report (10-q) 08/10/2017 04:08:45 PM
TPNL News: Amended Current Report Filing (8-k/a) 05/17/2017 12:59:13 PM
TPNL News: Current Report Filing (8-k) 05/17/2017 11:36:20 AM
TPNL News: Quarterly Report (10-q) 05/15/2017 04:04:40 PM
#2947  Sticky Note Q2-2017 Updated - Valuation & Quarterly Thoughts: ebrie014 08/11/17 08:05:44 PM
#2990   Got a few more at 0.47. Surprised this Mermelstein 09/20/17 10:24:11 AM
#2989   janey, unfortunately you would have had to be chilar4567 09/18/17 10:02:35 PM
#2987   i am sitting at .451 unfilled - i janeyH 09/18/17 11:10:05 AM
#2986   I WANT MORE IN THE 40s BUT NO janeyH 09/18/17 11:09:32 AM
#2985   Mermelstein, I've experienced that many a time. It's chilar4567 09/15/17 12:53:06 AM
#2984   my .475 order did not fill janeyH 09/14/17 06:14:23 PM
#2983   No. I was waiting for something to show Mermelstein 09/14/17 09:12:12 AM
#2982   Mermelstein, was that your order for 30,800 @ chilar4567 09/14/17 12:07:09 AM
#2981   Janey, I think you have some very serious chilar4567 09/13/17 11:54:40 PM
#2980   meh. Anybody that uses a market order on Mermelstein 09/13/17 02:08:31 PM
#2979   sorry Chil. did i just curse us. janeyH 09/13/17 01:54:45 PM
#2978   $TPNL is 1 of 3 or 4 good Jiminy Cricket 09/13/17 11:54:08 AM
#2977   I'd like an opportunity to buy more, but Mermelstein 09/13/17 11:33:33 AM
#2976   I think not, even though Mr 30,800 comes chilar4567 09/12/17 11:44:25 PM
#2975   given complete lack of volume - i am janeyH 09/12/17 11:56:27 AM
#2974   i may step in at 5301 and see janeyH 09/01/17 01:29:18 PM
#2973   2/3's of Q3 in the rear view mirror chilar4567 09/01/17 10:55:28 AM
#2972   Buyer still accumulating: chilar4567 08/26/17 10:51:55 AM
#2971   Every time when I check during the day, chilar4567 08/23/17 05:27:53 PM
#2970   a little bit better volume today - janeyH 08/23/17 05:07:23 PM
#2969   my 54s did not fill today :( janeyH 08/21/17 08:35:55 PM
#2968   Did anyone else notice there was a bid chilar4567 08/21/17 06:28:13 PM
#2967   Ebrie, just reviewed our balance sheet and noted chilar4567 08/20/17 06:22:51 PM
#2966   Also for about 20 minutes after you post rigdowntex 08/19/17 04:48:06 PM
#2965   I hang out there most of the time, rigdowntex 08/19/17 04:46:07 PM
#2964   I've posted much of ebrie014 info on 3PEA rigdowntex 08/19/17 12:57:40 PM
#2963   Earlier this evening I received an Email from chilar4567 08/17/17 11:46:41 PM
#2962   Well said D, are you reading my mind rigdowntex 08/17/17 12:43:13 PM
#2961   how can you be bored with this story? mrdecember123 08/17/17 09:35:47 AM
#2960   well that was boring janeyH 08/16/17 10:36:12 PM
#2959   Ebrie, i'd add that, in the initial Summary value1008 08/14/17 02:24:18 PM
#2958   thanks for the tip, i'll see what I ebrie014 08/14/17 01:57:34 PM
#2957   I second the motion! And a tip: value1008 08/14/17 01:06:56 AM
#2956   Ebrie014, Perhaps you or one of your cohorts rigdowntex 08/13/17 10:25:30 PM
#2955   Janey, these might qualify geographically:Search Results chilar4567 08/13/17 03:44:21 PM
#2954   let me know if there is anything inside janeyH 08/13/17 02:40:39 PM
#2953   Yes Janey, just drop it off at IRS chilar4567 08/13/17 02:07:44 PM
#2952   Sure - i think i have an extra janeyH 08/13/17 11:51:52 AM
#2951   Janey, I think maybe it's time for someone chilar4567 08/13/17 10:36:13 AM
#2950   Ebrie, as always, thank you for your thoughts chilar4567 08/13/17 10:28:15 AM
#2949   who buys 350k of servers???? no one - janeyH 08/12/17 04:03:52 PM
#2948   i was wondering about that too. pi567 08/12/17 03:23:54 PM
#2947   Q2-2017 Updated - Valuation & Quarterly Thoughts: ebrie014 08/11/17 08:05:44 PM
#2946   I second that! Kudos to management. WOW23P 08/11/17 05:24:51 PM
#2945   and from pensacola, florida, kudos go to mgmt. mrdecember123 08/11/17 04:19:18 PM
#2944   i wonder what their fixed assets are? and janeyH 08/11/17 11:55:47 AM
#2943   janey, a quick look @ the Q2 balance chilar4567 08/11/17 10:17:43 AM
#2942   JANEY, I'm thinking all the funds that ended chilar4567 08/10/17 11:30:08 PM
#2941   Since the start of Q3 they have averaged WOW23P 08/10/17 08:34:00 PM
#2940   hey chill, at least they did not tip janeyH 08/10/17 08:17:33 PM