Southend-on-Sea Borough Council has been utilising allpay’s instant issue prepaid card solution for the last two years – allowing it to issue funds to applicants deemed to be in financial crisis. Administering the scheme on behalf of two other authorities – Thurrock and Essex – it has issued more than 600 cards over the last financial year, loading more than £60,000. Challenge In 2013, the Department for Work and Pensions devolved parts of the

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