FiCentive (OTCBB: PYDS), a provider of turn-key prepaid card solutions, announced today that it has signed an exclusive reseller agreement with a nationally recognized leader in the home improvement and energy savings market.

Located in North Carolina, the company operates a national dealer network of 150 dealers under various brands and is a leading manufacturer and distributor of gutter protection, radiant barrier and blown in cellulose insulation.

The program exclusively permits the individual dealers to adapt their own localized brand to our customizable Corporate Incentive Card program. The company will be the first large scale customer to adopt and use our recently announced Print on Demand incentive card product.

The program concept is designed to incentivize prospective customers to schedule and keep appointments, through providing them with a network branded prepaid card initialized with an amount of dollars upon allowing an in-home presentation to be made. If during the sales call it becomes necessary, the salesperson can load additional amounts on the card as an incentive to close the sale. The result is the customer has a card loaded with funds that can be used for other discretionary purchases at stores throughout the world.

FiCentive has been running a pilot program for several months and we know from that program that sales have significantly improved from the higher sales leads that have been generated and sales cancellations have dropped to zero from the previous cancellation rate of 8 – 12%. Profit margins have also increased since the dealer is required to offer fewer paper discounts by substituting instant cash incentives on the card.

About FiCentive, Inc.

FiCentive, Inc. is a turn-key prepaid card solutions provider that quickly and securely delivers customized prepaid card programs for corporations, financial institutions, affinity groups or any organization that needs to deliver a financial incentive to their customers, vendors, or employees. FiCentive has the ability to issue cards on all card association brands.

FiCentive is well positioned to capture its share of the global prepaid market that is estimated to be more than 6.5 trillion dollars.

For more information about FiCentive, please visit or email

FiCentive is a wholly owned subsidiary of Payment Data Systems, Inc.

For additional information, visit Contact Michael Long for Investor Relations information at 210-249-4040 or email at


This document contains forward-looking statements that involve risks and uncertainties. You should not place undue reliance on these forward-looking statements. Our actual results could differ materially from those anticipated in the forward-looking statements for many reasons, including the risks described in our annual report on Form 10-K and other reports we file with the Securities and Exchange Commission. Although we believe the expectations reflected in the forward-looking statements are reasonable, they relate only to events as of the date on which the statements are made. We do not intend to update any of the forward-looking statements after the date of this report to conform these statements to actual results or to changes in our expectations, except as required by law.

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