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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

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.






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TPNL News: Current Report Filing (8-k) 06/11/2018 12:59:17 PM
TPNL News: Current Report Filing (8-k) 05/22/2018 02:06:18 PM
TPNL News: Current Report Filing (8-k) 05/16/2018 06:11:34 AM
TPNL News: Initial Statement of Beneficial Ownership (3) 05/14/2018 12:11:09 PM
TPNL News: Quarterly Report (10-q) 05/14/2018 09:03:11 AM
PlusOneCoin Top Posts
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#3817  Sticky Note Updated 2018FY Target Valuation - May 2018: ebrie014 05/22/18 12:57:38 AM
#3177  Sticky Note New Article-> 3Pea International: Undervalued And Undercovered Turnaround Sto ebrie014 11/20/17 02:26:14 PM
#3146  Sticky Note New Article on 3Pea: ebrie014 11/15/17 09:53:16 AM
#3911   Payroll Cards & Healthcare Smart Card Deductions asp42001 06/18/18 09:06:16 AM
#3910   Ebrie, checked out another ride that I think chilar4567 06/16/18 04:54:49 PM
#3909   Been an amazing run! ebrie014 06/16/18 12:47:37 PM
#3908   Nice car! I’ll consider getting one when I ebrie014 06/16/18 12:18:11 PM
#3907   Found my new car in Saturday WSJ: Lamborghini chilar4567 06/16/18 10:25:16 AM
#3906   The Interstate Companies H.Q. Memphis, Tennessee asp42001 06/15/18 09:52:35 PM
#3905   Great accumulation this week- for the next leg mrdecember123 06/15/18 04:19:39 PM
#3904   Hi-Tech Digital P&H Partnerships & IBM's Summit? asp42001 06/15/18 12:42:34 PM
#3903   and this is all just small buyers in janeyH 06/15/18 10:06:49 AM
#3902   and this is just stage one for this mrdecember123 06/15/18 09:49:44 AM
#3901   wow! just ... wow! janeyH 06/15/18 09:45:31 AM
#3900   Noth'in for sale: chilar4567 06/15/18 09:38:46 AM
#3899   i wasn't thinking "big-time" pps as much as mrdecember123 06/14/18 05:58:57 PM
#3898   Mr D, What is your "big time" call? chilar4567 06/14/18 04:55:37 PM
#3897   i think the bd of director's is a mrdecember123 06/14/18 12:07:50 PM
#3896   Mr D, I now believe 2.50 is a chilar4567 06/14/18 11:02:20 AM
#3895   Check out the bid @ 2.42 chilar4567 06/14/18 10:46:31 AM
#3894   there's chillar's ask @2.50 pps.--- BINGO-BANGO TPNL!---Ain't life mrdecember123 06/14/18 07:57:14 AM
#3893   i concur with your assessment- and have already mrdecember123 06/13/18 09:15:49 PM
#3892   Ask is still thin. Occasionally you'll see Mermelstein 06/13/18 08:59:38 PM
#3891   When we see bids stacking up at these chilar4567 06/13/18 05:50:29 PM
#3890   $2.50 in sight> chilar4567 06/13/18 12:33:55 AM
#3889   "burp..." (accumulation) mrdecember123 06/12/18 08:52:45 PM
#3888   chew chew chew janeyH 06/12/18 03:30:00 PM
#3887   Looks like it did. Only 4500 left Mermelstein 06/12/18 03:28:51 PM
#3886   need to chew out the 10,000s at 2.30 janeyH 06/12/18 03:06:57 PM
#3885   Looks thin past 2.30. Probably gearing for another Mermelstein 06/12/18 02:35:34 PM
#3884   it could go that way- but i think mrdecember123 06/11/18 09:47:13 AM
#3883   MrD, now about 1/2 way for final month chilar4567 06/10/18 10:29:22 PM
#3882   "relax" is word for the wise---TPNL has only mrdecember123 06/08/18 04:04:44 PM
#3881   but you never - a weak close to janeyH 06/08/18 03:10:09 PM
#3880   oh jeez -190s? seems low of a janeyH 06/08/18 03:07:15 PM
#3879   dfhogs, as I mentioned a day or so chilar4567 06/08/18 02:39:11 PM
#3878   Janey, waiting for 1.90's to grab more. chilar4567 06/08/18 02:36:43 PM
#3877   TPNL Healthcare & Payment Application Service Providers asp42001 06/08/18 02:18:51 PM
#3876   nobody will regret their buys here at any mrdecember123 06/08/18 12:25:24 PM
#3875   i concur with your assessment. mrdecember123 06/08/18 11:29:39 AM
#3874   I would agree except for the low volume. dffhogs 06/08/18 11:23:51 AM
#3873   SHOCKED that this looks like a ‘sell on janeyH 06/08/18 11:10:57 AM
#3872   Hopefully it pops in 4-6 weeks! NASDAQ Listing Timeline https://listingcenter. somoneysportspicks 06/08/18 01:43:40 AM
#3871   seems like a bit of a dud on janeyH 06/07/18 12:55:51 PM
#3870   3rd Party ASP Partnerships & Banks Is KEY! asp42001 06/07/18 12:37:14 PM
#3869   alright, baby!!!! janeyH 06/07/18 12:01:20 PM
#3868   3PEA International, Inc. Files Application for NASDAQ Capital dffhogs 06/07/18 10:26:08 AM
#3867   2018 Back-Office Dot Com Rebounds! asp42001 06/07/18 12:05:41 AM
#3866   Janey, I dk, but can tell that anyone chilar4567 06/06/18 10:01:31 PM
#3865   Non-Banked Prepaid Card EBPP&H Partnerships asp42001 06/06/18 04:48:25 PM
#3864   when do we get that 10x volume 40% janeyH 06/06/18 04:28:50 PM
#3863   Yep janey, this board should be jump'in! Guess chilar4567 06/05/18 11:26:46 PM
#3862   ANOTHER better than avg volume day and price increase janeyH 06/05/18 07:32:25 PM