A Universal Card is an electronic card with the same form factor as a magnetic stripe card. It is capable of emulating any magnetic stripe data (MSD) card that is stored either in the card, or on a smart phone that communicates with it. It benefits the consumer by consolidating their credit, debit, membership, loyalty, gift cards and other forms of MSD cards into one card. Certain universal card products also add an extra layer of security to protect their cards against theft.
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