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The company was founded in 2003. It started out as an online payment option that everyone can use regardless of their location. It was one of the pioneers in providing a seamless way for processing a payment online, especially to those were deemed not worthy of credit by banks. The problem was that they cannot make online purchases in the absence of a debit or credit card. The company fixed this issue.

The terms were simple and the way it worked was through the sales of prepaid debit cards that one can use to make purchases on card terminals from brick-and-mortar stores. Back then, the company also launched its partnership with Visa in the form of virtual debit cards.

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