It sounds like they are talking about gift cards, gift card apps, and alternative payment apps. These days that's probably a very large umbrella. Everything f

It sounds like they are talking about gift cards, gift card apps, and alternative payment apps. These days that's probably a very large umbrella. Everything from a Google Play or iTunes app to apps like BlendCard, Gyft, Dwolla, Venmo, Square Cash, etc... would likely fall into this. Depending on how PayPal is structured any funds you have sitting in a PayPal account could also fall under this umbrella; which that alone is probably a significant number these days.