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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
Email: [email protected]

Contact Information:

3PEA International:
Brian Polan, 702-749-7234
VP Corporate Finance
[email protected]


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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Current Price
Bid Ask Day's Range
TPNL News: Statement of Changes in Beneficial Ownership (4) 01/17/2017 04:47:54 PM
TPNL News: Statement of Changes in Beneficial Ownership (4) 12/09/2016 05:24:46 PM
TPNL News: Statement of Changes in Beneficial Ownership (4) 11/30/2016 04:47:10 PM
TPNL News: Statement of Changes in Beneficial Ownership (4) 11/22/2016 04:51:03 PM
TPNL News: Statement of Changes in Beneficial Ownership (4) 11/18/2016 02:46:48 PM
#2253  Sticky Note Bumping post as Info for any new holders: ebrie014 01/04/17 04:03:39 PM
#2279   oopsy tee-hee - yes nibble nibble janeyH 01/19/17 01:59:34 PM
#2278   Don't you mean "nibble, nibble..."? :-) value1008 01/19/17 01:54:38 PM
#2277   nipple nipple nipple nipple. I'm picking up some janeyH 01/19/17 12:34:35 PM
#2276   You bet. Please do. Any day now it's Andy3077 01/19/17 11:47:09 AM
#2275   TEX, I think they have to report, but chilar4567 01/19/17 08:54:43 AM
#2274   OK guys and gals, could 3Pea still be rigdowntex 01/19/17 07:21:43 AM
#2273   Chil, now that you mention it, I'm trying WOW23P 01/18/17 11:17:04 PM
#2272   WOW, Thanks, truthfully, I can't remember what I chilar4567 01/18/17 11:03:28 PM
#2271   I'll help you remember WOW23P 01/18/17 09:24:48 PM
#2270   Mr D. chilar4567 01/18/17 07:13:29 PM
#2268   It's impressive that there's always someone there to Andy3077 01/18/17 05:39:32 PM
#2267   WOW (regarding today's trading)------the sure enough dump was mrdecember123 01/18/17 05:08:24 PM
#2266   ebrie, Every time volume spikes to 100K days, chilar4567 01/18/17 05:07:34 PM
#2265   Another 12,000 shares purchased by the CFO (Brian ebrie014 01/17/17 05:29:07 PM
#2264   CFO continues to buy shares. Great sign imo hweb2 01/17/17 05:27:26 PM
#2263   pi, I believe we'll be updated when YE chilar4567 01/10/17 04:30:49 PM
#2262   Just call them up, they're easy to talk rigdowntex 01/10/17 10:38:09 AM
#2261   does anyone know how many plasma programs they pi567 01/10/17 09:08:55 AM
#2260   Janey, that's the $64,000 dollar question. We'll just chilar4567 01/07/17 05:04:38 PM
#2259   Their thinking was to put it in the rigdowntex 01/07/17 12:50:22 PM
#2258   CFO was fired due to a frivolous law jpike 01/07/17 10:44:13 AM
#2257   good luck Andy3077 01/06/17 04:13:15 PM
#2256   picking up more at 30, yummy yummy yummy janeyH 01/06/17 12:50:40 PM
#2255   What about expansion into Europe? Is it alive jpike 01/06/17 10:51:34 AM
#2254   so who here knows this company well enough janeyH 01/05/17 10:22:53 PM
#2253   Bumping post as Info for any new holders: ebrie014 01/04/17 04:03:39 PM
#2252   hweb, True, but There are shares out chilar4567 12/30/16 12:18:27 AM
#2251   TPNL has traded most of the year between hweb2 12/29/16 11:04:42 PM
#2250   TEX, they're showing steady growth with increasing margins. chilar4567 12/29/16 10:51:51 PM
#2249   Anyone else here care to weigh-in on what rigdowntex 12/29/16 11:24:40 AM
#2248   steady accumulation now in the low .30's.....with occasional mrdecember123 12/28/16 06:59:29 PM
#2247   Here's to a new year new beginning for rigdowntex 12/28/16 01:10:48 PM
#2245   Today's close portends a very Merry Christmas to chilar4567 12/23/16 04:07:28 PM
#2244   one hearty welcome to our brand new board mrdecember123 12/23/16 08:19:52 AM
#2243   Janey, great snag. Wellcome to fun city. chilar4567 12/23/16 12:06:39 AM
#2242   andy, you will never see .20 here again--------but mrdecember123 12/20/16 01:24:45 PM
#2241   No it's not me. Not yet anyways. I Andy3077 12/20/16 12:50:18 PM
#2240   TEX, maybe our new friend Andy took EBRIE's chilar4567 12/19/16 04:13:05 PM
#2239   TEX, impressive close today @.34 considering a substantial chilar4567 12/19/16 04:09:03 PM
#2238   Yeah, the price currently in the 30 to rigdowntex 12/19/16 01:42:41 PM
#2237   Interesting trade today> someone is gobbling up all chilar4567 12/19/16 01:21:40 PM
#2236   Thanks ebrie014, nice recap of exactly why I'm rigdowntex 12/15/16 05:33:40 PM
#2235   Fantastic post. Thank you! I appreciate your insight Andy3077 12/15/16 04:38:21 AM
#2234   3Pea History and Why Invest now? ebrie014 12/14/16 10:52:27 PM
#2233   Well said Chiller WOW23P 12/14/16 07:37:40 PM
#2232   ANDY, " I don't understand why management isn't chilar4567 12/14/16 07:05:25 PM
#2231   Welcome to the world of microcaps. It's hweb2 12/14/16 06:55:04 PM
#2230   This was 95 cents two years ago. Why Andy3077 12/14/16 05:56:22 PM
#2229   What are you talking about? The CFO hweb2 12/14/16 03:45:59 PM
#2228   Saying to buy because the cfo is. He Andy3077 12/14/16 12:09:11 PM