Prepaid staging account systems and methods are described that allow issuer financial institutions to quickly and efficiently launch NFC device payment programs. In an embodiment, a staging account provider computer receives a request to provision a mobile account. The staging account provider computer generates a mobile account PAN and associates it with a funding account PAN, and transmits a personalization request to personalize a payment application for the cardholder's mobile device to a trusted service manager (TSM) computer. The staging account provider computer receives a status confirmation message from the TSM computer indicating that the payment application has been personalized and loaded onto the cardholder's mobile device, and then transmits a mobile account initialization message that includes the mobile account PAN to the primary issuer.