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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

  • -Third quarter 2017 revenue increased 42% to $4.0 million compared to $2.8 million in the same year ago quarter. Revenue for the nine months ended September 30, 2017 increased 44% to $10.6 million from $7.3 million for the same period last year.

    -Gross profit for the three months ended September 30, 2017 increased to $1.86 million compared to $1.30 million in the same year ago quarter. Gross profit for the nine months ended September 30, 2017 increased to $4.78 million from $3.30 million for the same period last year.

    -Net income for the three months ended September 30, 2017 was $500,168, or $.01 per share, compared to net income of $480,429 or $.01 per share in the same year ago quarter. Net income for the nine months ended September 30, 2017 was $1,254,004 or $0.03 per share compared to $898,040 or $0.02 per share in the same year ago period.

    -Surpassed 1,390,000 PaySign Cardholders participating in 175 card programs as of September 30, 2017, up from approximately 1,000,000 cardholders participating in 120 programs for the period ended December 31, 2016.

         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.



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
Website: http://www.corporatestock.com
Email: charper@corporatestock.com

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.






Current Price
Bid Ask Day's Range
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  • 3M
  • 6M
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TPNL News: Proxy Statement - Other Information (preliminary) (pre 14c) 03/15/2019 05:04:20 PM
TPNL News: Current Report Filing (8-k) 03/13/2019 10:38:06 AM
TPNL News: Annual Report (10-k) 03/12/2019 08:03:31 AM
TPNL News: CORRECTING and REPLACING 3PEA Reports Full Year 2018 Financial Results 03/11/2019 04:58:00 PM
TPNL News: 3PEA Reports Full Year 2018 Financial Results 03/11/2019 04:10:00 PM
PlusOneCoin Top Posts
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#4654  Sticky Note Analyst Reports (BTIG:$8 Target & Maxim Group: $9 Target) ebrie014 02/13/19 04:57:07 PM
#4792   Digital Payment Data Systems RULE In 2019 asp42001 03/23/19 10:13:33 PM
#4791   TEX, I've been waiting impatiently for options. When chilar4567 03/23/19 09:58:28 AM
#4790   Right on Mr. D! There is so much rigdowntex 03/22/19 04:27:52 PM
#4789   there will be no more of that flipping mrdecember123 03/22/19 02:48:53 PM
#4788   Snag a few, Mr D?? chilar4567 03/22/19 01:15:41 PM
#4787   Payroll Cards In-Lieu Of Redundant Hi-Dollar Checks asp42001 03/21/19 11:27:00 PM
#4786   salivating here----TPNL dipping for a change---yummy--------come to papa mrdecember123 03/21/19 01:07:06 PM
#4785   Steve & Janey, these days it's just a chilar4567 03/20/19 04:24:29 PM
#4784   Lowest we have been in a while. SteveSwims 03/20/19 03:50:17 PM
#4783   Just natural swings Janey, for me a good MtraderPV 03/20/19 02:37:13 PM
#4782   ouch! janeyH 03/20/19 12:31:30 PM
#4781   mgmt history suggests your guess is a good mrdecember123 03/19/19 11:04:38 AM
#4780   A bit interesting, is that PaySign didn't do rigdowntex 03/19/19 10:37:29 AM
#4779   i concur with your assessment mrdecember123 03/19/19 07:32:42 AM
#4777   MR D, RE pot, I think eventually the chilar4567 03/18/19 06:02:49 PM
#4776   per wsj: The deal marks one of the biggest janeyH 03/18/19 04:47:24 PM
#4775   direction- i caught that, too. Riggo, nice catch. mrdecember123 03/18/19 04:12:11 PM
#4774   Must be a concerted effort to push this SteveSwims 03/18/19 03:45:33 PM
#4773   too damn close to popeye for us old mrdecember123 03/18/19 03:45:24 PM
#4772   Key paragraph from FIS/Worldpay bid article is: “Organizations rigdowntex 03/18/19 09:54:36 AM
#4771   very smart - what is a 3pea anyway? janeyH 03/18/19 09:47:54 AM
#4770   Smart move WOW23P 03/18/19 09:39:35 AM
#4769   Wow, when I first read it I thought rigdowntex 03/18/19 09:09:13 AM
#4768   Name change to PaySign Inc for those who ebrie014 03/18/19 07:22:35 AM
#4767   Hmmm....FIS and Worldpay news: get together. Is our mrdecember123 03/18/19 07:16:24 AM
#4766   i'm not talking SQUAT until i get into mrdecember123 03/17/19 07:31:44 PM
#4765   let me know if you see any ed janeyH 03/17/19 06:45:30 PM
#4764   t/y-------on the prowl i am i am......sneak you mrdecember123 03/17/19 06:41:27 PM
#4763   IDXG - prereleased good numbers and stock didn’t budge - janeyH 03/17/19 11:15:07 AM
#4762   DAD, I'm just guessing, but think the 10th chilar4567 03/16/19 10:50:34 PM
#4761   I'm on this one too, Mr. D! mountaindad 03/16/19 10:39:23 PM
#4758  Restored Highly-Competitive Helping-Hand EBPP&H Services asp42001 03/16/19 04:44:09 PM
#4757   MR D, re vhc, not to worry (imo) chilar4567 03/15/19 07:01:21 PM
#4756   why?--------gotta have the logic- the plan- the.......intrigue! I'm mrdecember123 03/15/19 06:31:16 PM
#4755   thanks Mr D. i am starting to nibble IDXG janeyH 03/15/19 06:06:15 PM
#4754   chillar/janey/ebrie/rigdowntex--------------Not one share do i sell here in mrdecember123 03/15/19 06:02:04 PM
#4753   Welcome to being a shortable stock janeyH 03/15/19 04:29:30 PM
#4752   Relax Steve, $9-10 this time next year. chilar4567 03/15/19 04:00:16 PM
#4751   What's up, what did I miss. Oh, SteveSwims 03/15/19 10:42:50 AM
#4750   BTIG bumped their target to 9.50$/share ebrie014 03/13/19 11:05:25 AM
#4749   Thanks Mr. D - Here's the link: https://www.smarteranalyst.com/brief/maxim-gro rigdowntex 03/13/19 08:19:57 AM
#4748   MAXIM increases price target to 10.00 mrdecember123 03/13/19 07:47:03 AM
#4747   i had had a bid in at 6.70 mrdecember123 03/13/19 07:32:36 AM
#4746   Almost 600K today. Fun for shorters and flippers chilar4567 03/12/19 06:44:13 PM
#4745   ya kinda figured there’d be a sell on janeyH 03/12/19 05:58:56 PM
#4744   WILD DAY! chilar4567 03/12/19 11:32:39 AM
#4743   Mirror-Mirror On The Wall, Who's The Best asp42001 03/12/19 10:25:36 AM
#4742   TPNL Link-UP With Prestigious Universities asp42001 03/12/19 10:05:47 AM
#4741   props AGAIN go to mgmt for job well mrdecember123 03/12/19 08:58:58 AM
#4740   this one too: The company reiterates its previously released janeyH 03/11/19 07:08:07 PM