Prepaid debit cards are easy to obtain because they don't require credit checks. Prepaid debit cards can be purchased online or at participating retailers, as MasterCard points out. Some prepaid debit cards must be registered online to reload funds or take advantage of other benefits.
Prepaid debit cards can be used at any retailer that accepts regular debit cards. Cardholders can arrange for direct deposit of their paychecks to their prepaid debit card accounts, or they can reload funds at participating retailers, according to MasterCard. Once a prepaid debit card has been activated, it can be swiped at cash registers just like a normal credit or debit card. Replacement cards are only available for cards that have been registered.