Abstract: The invention relates to a payment card apparatus with an onboard memory, reconfigurable magnetic strip, software suite, and touch screen for interacting with the data stored on said memory. A user is able to replace a plurality of conventional payment cards and card accounts by loading the relevant payment card data onto said memory and using a graphic user interface to select a desired payment card via the touch screen. The card then reconfigures the magnetic strip, allowing a single payment card apparatus to function as conventional payment card for multiple card accounts.