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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.






Current Price
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TPNL News: Current Report Filing (8-k) 02:24 PM
TPNL News: Additional Proxy Soliciting Materials (definitive) (defa14a) 04/06/2018 04:03:19 PM
TPNL News: Proxy Statement (definitive) (def 14a) 04/06/2018 04:02:53 PM
TPNL News: Current Report Filing (8-k) 04/03/2018 04:14:12 PM
TPNL News: Current Report Filing (8-k) 03/28/2018 12:11:12 PM
News News Alert: Current Report Filing (8-k) 04/19/2018 02:24:09 PM
PlusOneCoin Top Posts
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#3595  Sticky Note Next 12 Month Target Valuation - March, 2018: chilar4567 04/05/18 09:37:35 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
#3641   NEW DIRECTOR: OPEN THE LINK AND READ THE chilar4567 04/19/18 12:31:04 PM
#3640   2nd independent director is one of the last Mermelstein 04/19/18 12:13:48 PM
#3639   the one month is just crazy looking!!! janeyH 04/18/18 10:34:52 PM
#3638   Janey, interestingly enough, I also was looking at chilar4567 04/18/18 05:01:12 PM
#3637   The eye-popping chart makes it hard to believe janeyH 04/18/18 11:52:14 AM
#3636   EBPP&H Digital Upgrades & Artificial Intelligence asp42001 04/18/18 09:27:48 AM
#3635   It will get hype when it goes to Mermelstein 04/17/18 04:04:54 PM
#3634   This has to be the highest ratio company janeyH 04/17/18 03:59:42 PM
#3633   Back-Up Back Office(s) Data Protection Services asp42001 04/17/18 11:30:58 AM
#3632   hah! already touched 175 today. didn't janeyH 04/17/18 09:57:40 AM
#3631   Janey, not a difficult stretch. chilar4567 04/15/18 09:37:05 PM
#3630   Janey weekly prediction - all financial stocks reporting janeyH 04/15/18 09:24:40 PM
#3629   Buy orders stacking up. chilar4567 04/13/18 11:55:03 PM
#3628   Anyone attempting to flip is SOL. They can chilar4567 04/13/18 11:36:45 PM
#3627   Another freaking 52 week high janeyH 04/13/18 10:22:32 PM
#3626   TPNL- put your shares up and come back mrdecember123 04/13/18 04:45:59 PM
#3625   Mermelstein, I DK re IRS deduction, but worthwhile chilar4567 04/13/18 01:07:56 PM
#3624   Sounds like a fun time, but not sure Mermelstein 04/13/18 10:03:29 AM
#3623   Mermelstein, anyone who read the Q4 report would chilar4567 04/12/18 11:46:30 PM
#3622   Still think this will move higher when they Mermelstein 04/12/18 11:02:56 PM
#3621   With current numbers, I am still saying we janeyH 04/12/18 06:01:45 PM
#3620   I Plan To Sell In May & Go asp42001 04/12/18 01:45:19 AM
#3619   would you kindly just sign in as..........newbie basher? mrdecember123 04/11/18 07:09:31 PM
#3618   3Pea & Other EBPP&H Networking Facilitators asp42001 04/11/18 05:17:38 PM
#3617   Mountaindad, don't golf but cocktails would be in order. chilar4567 04/10/18 11:05:27 PM
#3616   little more than a month to earnings and janeyH 04/10/18 05:36:50 PM
#3615   up up up - nice steady accumulation. janeyH 04/10/18 10:57:28 AM
#3614   Voice & Face Combination Payment Methods asp42001 04/10/18 10:32:46 AM
#3613   i've been talking to a few folks (behind mrdecember123 04/10/18 09:28:39 AM
#3612   WOW! Anyone know who the big buyer is? mountaindad 04/10/18 12:10:29 AM
#3611   for a stock that has gone up 50% janeyH 04/09/18 05:00:10 PM
#3610   ******Meanwhile, look for "growth" through accretive consolidations among rigdowntex 04/09/18 02:20:30 PM
#3609   LCR, STP & EBPP&H Security RULES! asp42001 04/09/18 12:53:47 PM
#3608   i thought TPNL was getting a little overheated, janeyH 04/09/18 11:27:29 AM
#3607   Rules & Regulations Governing The Payment Industry asp42001 04/08/18 01:25:06 AM
#3606   Ebrie, thanks for the news. I'll see you chilar4567 04/06/18 11:14:44 PM
#3605   Shareholder Meeting Announced! ebrie014 04/06/18 06:29:02 PM
#3604   fully understand implications of posting on other board--------posting mrdecember123 04/06/18 04:04:32 PM
#3603   Still here, had sold off some TPNL at rigdowntex 04/06/18 02:31:35 PM
#3602   interesting find, rigdowntex--------good to see you around again- mrdecember123 04/06/18 02:22:49 PM
#3601   Interesting article... rigdowntex 04/06/18 01:13:34 PM
#3600   i think it was a 15:1 split - janeyH 04/06/18 07:25:47 AM
#3599   janey, just out of curiosity took a look chilar4567 04/06/18 12:18:35 AM
#3598   Aw, Jiminy, Too bad, the volume is just janeyH 04/05/18 05:45:56 PM
#3597   steady strengthening accumulation probably up to the 2.00 mrdecember123 04/05/18 03:47:38 PM
#3596   TPNL has treated us all very well, I Jiminy Cricket 04/05/18 12:07:49 PM
#3595   Next 12 Month Target Valuation - March, 2018: chilar4567 04/05/18 09:37:35 AM
#3593   interesting too is that Mina is licensed in janeyH 04/05/18 07:30:03 AM
#3592   Good call, chil janeyH 04/04/18 06:58:34 PM
#3591   Janey, reminding you a ways back, I reached chilar4567 04/04/18 06:51:23 PM