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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: Amended Current Report Filing (8-k/a) 08/16/2018 06:06:48 AM
TPNL News: Current Report Filing (8-k) 08/16/2018 06:06:47 AM
TPNL News: Certification by the Exchange Approving Securities for Listing (cert) 08/10/2018 08:04:22 AM
TPNL News: Quarterly Report (10-q) 08/09/2018 09:33:34 AM
TPNL News: Securities Registration (section 12(b)) (8-a12b) 08/08/2018 08:46:44 AM
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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
#4090   seems like flippers have arrived janeyH 08/21/18 12:49:34 PM
#4089   Ni hao TPNL gray hairs. boy did janeyH 08/21/18 10:31:02 AM
#4088   Acting better today than yesterday. chilar4567 08/17/18 10:54:18 AM
#4087   Possibly. Seemed like somebody fishing for stops Mermelstein 08/16/18 09:20:53 PM
#4086   I think it’s the flippers who bought the somoneysportspicks 08/16/18 06:54:49 PM
#4085   Grabbed a few 2.60s today. Surprised to see Mermelstein 08/16/18 05:35:23 PM
#4084   sorting out the weak from the real----------if you mrdecember123 08/16/18 03:15:16 PM
#4083   That volume! We might have a million dollars somoneysportspicks 08/16/18 02:11:37 PM
#4082   WILD DAY! chilar4567 08/16/18 12:43:15 PM
#4081   Mr D, We're probably going to see more chilar4567 08/14/18 06:04:42 PM
#4080   i know a guy from another board who mrdecember123 08/14/18 05:48:38 PM
#4079   volatile day. Guess some day traders have found us. chilar4567 08/14/18 03:57:32 PM
#4078   Healthcare Overdose Of EBPPP&H Data Input asp42001 08/14/18 02:02:34 PM
#4077   Hey chilar, ebrie014 08/14/18 08:56:06 AM
#4076   ebrie, Having shared the great experience of the chilar4567 08/13/18 08:08:16 PM
#4075   Great comment Mr. D, ebrie014 08/13/18 08:23:01 AM
#4074   i concur with your assessment------but you know who mrdecember123 08/12/18 12:03:51 PM
#4073   No contest Mr D regarding being the "grey chilar4567 08/12/18 08:56:57 AM
#4072   chilar- on a personal note, i damn well mrdecember123 08/10/18 10:00:43 PM
#4071   Renee, all posters here have been well aware chilar4567 08/10/18 06:18:46 PM
#4070   I post the ticker/name/venue changes as a courtesy Renee 08/10/18 02:45:38 PM
#4069   friday mostly retail, too. So renee, are you buying/holding/selling? mrdecember123 08/10/18 12:42:24 PM
#4068   Best of luck with TPNL, Mrdecember. FWIW, it Renee 08/10/18 12:35:31 PM
#4067   this is a proud moment all around: i mrdecember123 08/10/18 10:17:18 AM
#4066   TPNL moved from the OTC to the Nasdaq: Renee 08/10/18 09:31:52 AM
#4065   211K today. Not too shabby! chilar4567 08/09/18 04:43:17 PM
#4064   Someone(s) Is Eating His/Her Shorts asp42001 08/09/18 12:43:51 PM
#4063   Back-Office Digital Application "Server" Providers asp42001 08/09/18 11:42:09 AM
#4062   got to see the news before going wheels janeyH 08/09/18 10:49:49 AM
#4061   updated last message - wrote it quickly on ebrie014 08/09/18 09:18:52 AM
#4060   Props go to mgmt AGAIN! mrdecember123 08/09/18 09:14:16 AM
#4059   Great way to make an entrance on The ebrie014 08/09/18 09:08:39 AM
#4058   Commenting on PYDS announcement NOT TPNL News asp42001 08/09/18 08:55:35 AM
#4057   Healthcare & Payment Birds Of Feather Flock Together? asp42001 08/09/18 08:50:46 AM
#4056   Q2 numbers out. 60% growth! Holy cow these Mermelstein 08/09/18 08:38:42 AM
#4055   I bet next surprise will be great quarterly gonetopot 08/08/18 10:47:49 PM
#4054   100K traded today. chilar4567 08/08/18 06:04:37 PM
#4053   Tex, what a great question. Nice to see chilar4567 08/08/18 03:25:35 PM
#4052   After the NASDAQ listing I'm wondering how soon rigdowntex 08/08/18 02:29:49 PM
#4051   D, yeah, and we don't have to refer rigdowntex 08/08/18 02:21:27 PM
#4050   Listing on Friday without any reverse split! Great somoneysportspicks 08/08/18 02:00:46 PM
#4049   good to see you posting once more---and back. mrdecember123 08/08/18 12:56:08 PM
#4048   Good news for liquidity. Liked the part of rigdowntex 08/08/18 12:33:00 PM
#4047   Janey sees all, says little. I think janeyH 08/08/18 12:18:48 PM
#4046   didn't you call that? Nice call, your two-for. mrdecember123 08/08/18 11:44:39 AM
#4045   Wow that is fast. I thought it would janeyH 08/08/18 11:29:11 AM
#4044   Mgmt here is tops- sector is great and mrdecember123 08/08/18 10:27:15 AM
#4043   Trading on Nasdaq on Friday! That was a Mermelstein 08/08/18 09:27:28 AM
#4042   NFC, And Healthcare Pay-Pass Cards of Networking Opportunity asp42001 08/07/18 06:53:40 PM
#4041   approx 390000 shares trade above 3.00---not too shabby mrdecember123 08/07/18 03:00:57 PM