A method for electronically delivering a prepaid card to a mobile device (114, 116), the method comprising: receiving, at a merchant server from a sender device (102, 104, 106), purchase information related to the purchase of an electronic prepaid card, wherein the purchase information includes recipient information associated with a mobile device (114, 116) intended to receive the electronic prepaid card; receiving, at an over the air provisioning server and from the merchant server, a provisioning request including electronic prepaid card information derived from the purchase information; requesting, at the OTA provisioning server and from a telecommunications operations server, the type of mobile device (114, 116) associated with the recipients mobile device number; determining, using the mobile device type information provided by the telecommunications operations server, whether the mobile device (114, 116) is near field communications enabled; in response to determining that the mobile device (114,116) is NFC enabled: establishing a communications link with a mobile device associated with address data included in the electronic prepaid card information; and provisioning the electronic prepaid card information on the mobile device over the communications link via OTA communications, wherein the electronic prepaid card information includes personalization data that is used to generate a softcard prepaid card in the NFC enabled mobile device and is transferrable from the mobile device to a wireless device reader via NFC; and in response to determining that the mobile device (114,116) is not NFC enabled: sending a prepaid card authorization code associated with the electronic prepaid card to a short message service gateway; and sending the prepaid card authorization code from the SMS gateway to the non-NFC enabled mobile device. receiving, at a merchant server from a sender device (102, 104, 106), purchase information related to the purchase of an electronic prepaid card, wherein the purchase information includes recipient information associated with a mobile device (114, 116) intended to receive the electronic prepaid card; receiving, at an over the air provisioning server and from the merchant server, a provisioning request including electronic prepaid card information derived from the purchase information; requesting, at the OTA provisioning server and from a telecommunications operations server, the type of mobile device (114, 116) associated with the recipients mobile device number; determining, using the mobile device type information provided by the telecommunications operations server, whether the mobile device (114, 116) is near field communications enabled; in response to determining that the mobile device (114,116) is NFC enabled: establishing a communications link with a mobile device associated with address data included in the electronic prepaid card information; and provisioning the electronic prepaid card information on the mobile device over the communications link via OTA communications, wherein the electronic prepaid card information includes personalization data that is used to generate a softcard prepaid card in the NFC enabled mobile device and is transferrable from the mobile device to a wireless device reader via NFC; and in response to determining that the mobile device (114,116) is not NFC enabled: sending a prepaid card authorization code associated with the electronic prepaid card to a short message service gateway; and sending the prepaid card authorization code from the SMS gateway to the non-NFC enabled mobile device. establishing a communications link with a mobile device associated with address data included in the electronic prepaid card information; and provisioning the electronic prepaid card information on the mobile device over the communications link via OTA communications, wherein the electronic prepaid card information includes personalization data that is used to generate a softcard prepaid card in the NFC enabled mobile device and is transferrable from the mobile device to a wireless device reader via NFC; and in response to determining that the mobile device (114,116) is not NFC enabled: sending a prepaid card authorization code associated with the electronic prepaid card to a short message service gateway; and sending the prepaid card authorization code from the SMS gateway to the non-NFC enabled mobile device. sending a prepaid card authorization code associated with the electronic prepaid card to a short message service gateway; and sending the prepaid card authorization code from the SMS gateway to the non-NFC enabled mobile device.