To understand why the reloadable prepaid card industry remains the province of a handful of companies, despite growing consumer demand, talk to nFinanSe Inc.

After two years of clearing regulatory hurdles, the Tampa company said Monday that it was finally ready to compete on a national level. Jerry R. Welch, nFinanSe's chief executive, said it spent "hundreds of thousands" of dollars obtaining licenses in 41 states and the District of Columbia.

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