FSS (Financial Software and Systems), a globally leading provider of payment products and payments processor, announced the addition of innovative capabilities to its Prepaid Card Management System (Prepaid CMS) to deliver greater value to cardholders. Prepaid card issuers can now issue instant, open-loop virtual co-branded merchant wallets paired with added value services such as instant lending at the point of purchase to differentiate their card products and drive higher spend per cardholder.