How we work
Offer your crew a seamless experience with our industry-leading global payroll solution
Problem:
Today, some cruise ship workers are still paid in cash. Not only is counting individual wage packets for every crew member every week a tedious and costly exercise, but transporting vast quantities of cash to remote docks is a huge security risk for cruise ship operators and local staff.
To top it off, for crew members themselves (many of whom are unbanked) receiving payments in cash is risky, and provides little opportunity to take control of their financial futures.
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Solution:
In response to these challenges, Brightwell developed Navigator: An industry-leading digital payroll solution to empower crew members’ financial freedom.
Navigator provides a means for employers to pay wages by direct deposit into a bank account or onto a prepaid card. Rather than load, count, and distribute packets of cash, Brightwell customers simply submit a single batch file for payment, benefiting from huge savings in cost, time, and resources.
Using the Brightwell Navigator app or website, crew can choose how to allocate their pay and view their recent card balance and transactions, all with transparency and control.
Navigator even provides employers with high-level insights into how their ship’s crew are saving and spending their earnings, which helps them provide welfare and services that more effectively support their personal well-being.
Use Cases
Our products
Our products
A full suite of payment solutions to meet your needs
We build seamless, flexible, cross-border global payment solutions to help administrators achieve more. Pay crew members quickly and conveniently with Navigator, our global payroll solution. Get cash on-board via our full-service ATM program. Enable digital corporate disbursements to more than 180 countries around the world. Our offerings cover varying needs for clients to simplify day-to-day tasks so they can focus on higher-level objectives that add value for their companies.
Our products
Our products
A full suite of payment solutions to meet your needs
We build seamless, flexible, cross-border global payment solutions to help administrators achieve more. Pay crew members quickly and conveniently with Navigator, our global payroll solution. Get cash on-board via our full-service ATM program. Enable digital corporate disbursements to more than 180 countries around the world. Our offerings cover varying needs for clients to simplify day-to-day tasks so they can focus on higher-level objectives that add value for their companies.
Global payroll solution
Simplified payroll means empowered workers
Pay globally dispersed workers easily by giving them access to a prepaid debit card and the Navigator mobile app, so they can spend and send their money safely and easily worldwide.
- Provide global workers safe access to their money and an effortless way to send it home via cross-border remittances already integrated into the platform
- Access multiple remittance providers and options
- Implement and customize your payroll solutions quickly
- Empower a diverse workforce and promote cardholder welfare with tools, videos, and educational materials
- Prevent account takeovers and card testing attacks with payment fraud prevention tools and live staff monitoring transactions 24/7/365
- Take advantage of in-app messaging to contact the support team, available 24/7/365
- Easily replace lost, stolen or expired cards with on-site card printers
Protect your cards from fraud
Fight back against fraudulent behavior, account enumeration, and card testing attacks with Arden
Arden detects malicious patterns in card transactions at the merchant level. Your transaction monitoring team has the actionable insights and recommendations needed to proactively prevent card testing attacks — protecting your entire card portfolio with just one, easy platform.
- Near real-time card data analysis that enables risk teams to quickly make data-driven decisions
- Leverage various rules and machine learning to identify trends and fraud signals
- Spend less time manually searching for suspicions activity and more time taking action to prevent losses
- Alerts delivered in-app or via your preferred communication platform
- Automate custom workflows based on the specific needs of your team
- Identify cards and balance at risk in your portfolio and proactively prevent fraud
- Easily integrate with your processor for transaction data collection
- Apply your own custom rules
- Utilize learnings from a client-data consortium
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ATM solutions
Let Brightwell handle your ATM program
Day-to-day management of the ATM channel is complex and time-consuming. Our program provides your team with peace of mind knowing they are working with the best in the industry for cash delivery, and innovative digital-first software and hardware.
- Drive revenue and lower costs
- Customize on-screen marketing ads
- Review detailed metrics for reporting and analysis
Corporate disbursements
Easily, digitally pay customers and employees globally
Managing a corporate disbursement program can be time-consuming for administration, and many businesses still rely on outdated processes like cutting checks. With ReadyRemit, our clients can easily pay vendors, workers, and others not on payroll, and provide customer-facing payouts like rebates, rewards, and refunds with one digital payment solution.
- Eliminate labor-intensive tasks of cutting checks or handling petty cash
- Send global payments with one fast, transparent, and cost-effective solution
- Deliver payments in near-real-time or same day to most end points
- Use APIs or SDKs to integrate ReadyRemit directly into your current toolset, or use our custom platform
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Ready to get started?
- Brightwell is a technology provider and not a bank or other regulated financial institution. All regulated services associated with ReadyRemit are provided by The Bancorp, N.A. Terms and conditions apply.