The American Payroll Association, Consumers Union, the Electronic Payroll Coalition, and the National Consumer Law Center have identified and agreed to ten core principles regarding the use of payroll cards. These core principles are essential to promote a fair, safe, and convenient method of delivering wage payments to employees. Our groups are pleased to have reached the level of consensus described in these principles, and we offer them to all who are engaged in issuing, selecting, using, or regulating payroll cards. Not all issues are addressed in this document. Each organization may submit supplemental principles.