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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
Bid Ask Day's Range
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TPNL News: Current Report Filing (8-k) 11/16/2017 10:41:47 AM
TPNL News: Quarterly Report (10-q) 11/13/2017 04:34:36 PM
TPNL News: Initial Statement of Beneficial Ownership (3) 10/16/2017 04:57:19 PM
TPNL News: Current Report Filing (8-k) 10/16/2017 04:56:29 PM
TPNL News: Current Report Filing (8-k) 08/15/2017 04:15:56 PM
#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
#3111  Sticky Note Q3-2017 Updated - Valuation & Quarterly Thoughts: ebrie014 11/13/17 09:25:50 PM
#3311   I'm ready ebrie.....fully loaded and ready... WOW23P 01/13/18 09:05:00 PM
#3310   Great news! The Company is adding executives with ebrie014 01/11/18 10:15:01 PM
#3309   Another new executive added. This one from $2 Mermelstein 01/11/18 07:41:25 PM
#3306   it just happened again AMRH-----rockets from mere mention mrdecember123 01/10/18 09:54:12 AM
#3304   that was for monday - today was more janeyH 01/09/18 08:54:02 PM
#3303   How so, Janey? Still good volume and mountaindad 01/09/18 08:39:17 PM
#3302   i'm not seeking chicanery, subterfuge or fluff pr's! mrdecember123 01/09/18 06:14:35 PM
#3301 did it (look how their pps appreciates mrdecember123 01/09/18 05:59:22 PM
#3300   definitely Not what i expected today janeyH 01/08/18 08:18:10 PM
#3299   a hearty welcome to our new board members mrdecember123 01/08/18 04:38:09 PM
#3298   PPS is in a good place with EOY mountaindad 01/06/18 10:50:51 AM
#3297   closes at 52 week high on decent volume janeyH 01/06/18 10:03:42 AM
#3296   Yep. Looks thin past that. 35k at .75 Mermelstein 01/05/18 11:01:22 AM
#3295   They're tak'in 75's this morning. chilar4567 01/05/18 10:34:02 AM
#3294   i don't understand mr 45000+ on the ask mrdecember123 01/04/18 04:16:07 PM
#3293   no genius- just ALWAYS on the prowl for mrdecember123 01/04/18 04:06:33 PM
#3292   Mr .d, if thats the case, you're a chilar4567 01/04/18 04:03:14 PM
#3291   nice catch, sherlock- hmmmmmm, maybe i was on mrdecember123 01/04/18 03:49:25 PM
#3290   Just noticed Daniel Spence, CTO/CIO, has cryptography listed Mermelstein 01/04/18 12:14:11 PM
#3289   PYDS is no example to cite here. That mrdecember123 01/04/18 03:52:02 AM
#3288   Not "if", but "when" WOW23P 01/03/18 10:09:00 PM
#3287   So you could have sold for a 200% gain. Mermelstein 01/03/18 02:54:21 PM
#3286   and it s back in the mid 2s janeyH 01/03/18 02:25:39 PM
#3285   Well PYDS went from 1.25 to 4. And Mermelstein 01/03/18 10:47:35 AM
#3284   pure speculation janeyH 01/03/18 10:33:26 AM
#3283   Are you kidding? Have you not seen all Mermelstein 01/03/18 10:32:04 AM
#3282   they CANT list on nasdaq under 1$ - janeyH 01/03/18 09:56:32 AM
#3281   MERMELSTEIN, I don't see them listing on chilar4567 01/02/18 11:53:30 PM
#3280   $1 will be when they announce the Nasdaq Mermelstein 01/02/18 10:16:52 PM
#3279   my 36s will look totally yummy by then janeyH 01/02/18 09:12:13 PM
#3278   i think the addition of those 2 senior executives janeyH 01/02/18 09:11:32 PM
#3277   Anyone wanting to prognosticate the date we first chilar4567 01/01/18 10:10:04 AM
#3276   The wait for Q4 and '17 year officially chilar4567 01/01/18 09:55:44 AM
#3275   Hopefully it is dealt with like pizz in chilar4567 12/28/17 04:40:24 PM
#3274   Wouldn't really say that's a "wall". Not even Mermelstein 12/28/17 02:10:52 PM
#3273   A temporary wall has been built @ .75: chilar4567 12/28/17 01:45:02 PM
#3272   i agree with you- but EVERY single day mrdecember123 12/21/17 07:49:00 PM
#3271   Mr. D, with all due respect, this whole janeyH 12/21/17 06:22:53 PM
#3270   case in point this morning: long island tea mrdecember123 12/21/17 09:46:26 AM
#3269   here's the NETE pr where they married the mrdecember123 12/20/17 05:05:21 PM
#3268   all any pr might have to say would mrdecember123 12/20/17 04:34:00 PM
#3267   Mr D, "Maybe they read our board- so chilar4567 12/20/17 04:33:38 PM
#3266   thks for response---ssc and nete are this mornings mrdecember123 12/20/17 10:43:51 AM
#3265   Mr D, as you know they hold their chilar4567 12/20/17 09:40:02 AM
#3264   hows about tpnl making a connection with bitcoin/blockchain, mrdecember123 12/20/17 03:11:23 AM
#3263   I was thinking the same thing. PR that somoneysportspicks 12/19/17 09:25:12 PM
#3262   Put the word "bitcoin" or "blockchain" into a mrdecember123 12/19/17 03:22:53 PM
#3261   When does year end earnings report usually get reported? somoneysportspicks 12/19/17 12:01:39 PM
#3260   The other catalyst to consider here (outside of Mermelstein 12/18/17 01:53:35 PM
#3259   TPNL has about $2.5m in NOLs. So Mermelstein 12/18/17 01:31:36 PM