A system, method and apparatus having the capability of issuing at least one unique identifying card, associating a payment amount and face value with each unique identifying card and receiving a payment for each unique identifying card. The method, system and apparatus are further capable of crediting the payment to one or more revenue distribution recipients in real time and updating the face value of the unique identifying card in real time to reflect its use for a transaction, and of tracking information about the card and use of the card.