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JPay streamlines the flow of cash into prisons, making it easier for corrections agencies to take a cut.

“They’re punishing the families, not the inmates.” Price of prison JPay and other prison bankers collect tens of millions of dollars every year from inmates’ families in fees for basic financial services.

She keeps her bills in a freezer bag under her bed, next to old photo albums, and believes in paying them on time religiously.

For Taylor, living within your means is part of being a good Christian.

Shifting costs to families “It’s not just the money transfer that’s the problem, it’s the system it enables to shift costs onto families,” says Lee Petro, an attorney who helped litigate for a national cap on some prison phone rates. For the families of nearly 40 percent of those prisoners, JPay is the only way to send money to a loved one.

Without companies like JPay, he says, “it would be much harder to take money from families and make families of inmates pay their own keep.” In 12 years, JPay says it has grown to provide money transfers to more than 1.7 million offenders in 32 states, or nearly 70 percent of the inmates in U. Others can choose between JPay and a handful of smaller companies, most of them created by phone and commissary vendors to compete with the industry leader. JPay handled nearly 7 million transactions in 2013, generating well over million in revenue.

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