No, you are NOT required to make a deposit with PayDeck to make a payment. PayDeck is not an e-wallet and works differently. PayDeck allows you to directly pay from your debit or credit card in a 1-step process without the need to first deposit money with us & then make the payment, followed by the receiver to withdraw the money into his account. Your money stays secure & accessible in your card or bank account so you only spend it when you really have to and it goes directly to receiver’s account of choice.