I am 100% against payroll cards. Employers offer them because they get a kickback from the issuers, and the underbanked rank and file workers are happy to use them. The issuers turns around and recuperate the money via high card usage fees from the users and processing fees from the merchants.
Don't assume card usage fees are low. It varies based on the agreement between the employer and GCC. Google global cash card fees and you can see the fee schedules for some companies.
Here is a recent article on pay cards:
http://consumerist.com/2015/06/02/fo...pa-says-judge/