An “ISO” (or, Independent Sales Organization) is an organization that represents a Bank or other financial institution and that is permitted to sell the services of the Bank. ISO’s typically are the “face” of prepaid debit cards, and run the customer service operations, marketing, and other aspects of a prepaid card program. For example, AccountNow, Inc. (issuer of the popular AccountNow prepaid Visa and AccountNow prepaid MasterCard cards) is an ISO for MetaBank. MetaBank is the issuer of those cards.