Not literally a Visa gift card. The reason I say, "effectively, a visa gift card" is because they are functionally the same and people here understand how anno

Not literally a Visa gift card. The reason I say, "effectively, a visa gift card" is because they are functionally the same and people here understand how annoying they are to use. And it's very common for people without bank accounts to get their paychecks on a Visa Payroll Card (or similar). It's a good way for companies to offload the cost of accounting onto the employee.