UnitedPayService Visa® Prepaid Card FAQ’s:
Where to use my card
Loading and adding money to my card
Making a purchase with my card
What is a Visa Prepaid Card?
The Visa Prepaid Card is a smart and cost-effective alternative to carrying cash and paying check-cashing fees. Because it is a pre-funded card, you only spend what money you load on it and you can typically get it without a credit check or bank account. Simply purchase the Visa Prepaid Card, load it with the cash amount you choose and enjoy the purchasing power of the Visa brand. You can use it to make purchases and pay bills anywhere Visa debit cards are accepted, including in stores, online or over the phone.
How does my Visa Prepaid Card work?
Because it is a prepaid card, spending is limited to the amount of money you load on the card. Plus, because it carries the Visa logo, you can use it anywhere Visa debit cards are accepted – in stores, online or over the phone. Each time you use your card, the purchase amount is automatically deducted from your card balance.
You can add money to your card at the retail locations such as GreenDot and Western Union or through the direct deposit of your wages, tax refunds, or other disbursements, such as social security, child support, welfare or other payments. Save time and money by having your paycheck or government benefits check automatically deposited into your prepaid card account. Set this up using the simple direct deposit form provided on your account site. You can also visit retail locations and load cash or checks at GreenDot and Western Union locations. You can find these locations at: www.moneypak.com and www.westernunion.com.
Do I need to activate my Visa Prepaid Card?
Yes. To activate your card, dial 1-866-612-8473 and follow the instructions. You will be asked to set up a PIN number; this will begin the activation of your card.
How do I get cash at an ATM with my Visa Prepaid Card?
To get cash at the ATM, insert your card into the machine and enter your PIN. Select "checking" to make a withdrawal and enter the amount of cash you want to withdraw. Then take your cash, card, and receipt to keep track of your balance.
What should I do if my Visa Prepaid Card is lost or stolen?
Report lost or stolen cards immediately by calling the toll-free number listed on the back of the card or in the card materials. We recommend making a note of this toll-free number (1-866-612-8473) and keeping it in a safe place in case both your card and the accompanying materials are lost or stolen.
Where to use my card
Where can I use my Visa Prepaid Card?
You can use your card online, over the phone and at the millions of places that accept Visa debit cards—including supermarkets, pharmacies, clothing stores, drug stores, and more. There are some guidelines for special transactions that you should be aware of before you shop - refer to the next two questions for more information.
Are there any special types of transactions I should know about before I shop?
There are special types of transactions that you should know about.
Gas Stations - Paying at the pump may cause a hold of up to $100; consider paying inside with the attendant for the exact amount and signing the receipt instead.
Restaurants - Restaurants may verify you have enough money on your card for the dining bill. Make sure you have enough funds to cover any added tip.
Hotels - Hotels may put a "hold" on the amount of your estimated bill, making that amount unavailable for other purchases. When you check out, that hold may take a few days to be removed.
Auto Rentals - You may use your card for final payment for a rental car bill, but a credit card may be necessary to reserve a rental car.
Returning purchases - Store return policies may vary. You may receive a credit to your card, a cash refund or even a store credit, depending on the particular store. A credit to your account may take up to one week to process before it's available for use.
Paying Bills – Pay just about any one-time or recurring bill.
Loading and adding money to my card
Is there a limit to the amount of money I can add to my Visa Prepaid Card?
The minimum amount of the initial value load is $10.00. The minimum amount of each value reload is $10.00. If you load your Card at a Green Dot or Western Union location, the maximum amount of each initial value load is $950.00, the maximum amount of each value reload is $950.00 and you are limited to ten (10) loads per calendar month (not including direct deposit). The maximum amount of the initial value load for Direct Deposit is $10,000.00; the maximum amount of each value reload is $10,000.00. The maximum amount of the initial value load via ACH from a checking or savings account or Card to Card transfer is $500.00, the maximum amount of each value reload is $500.00. The maximum number of times you may load your Card per day via Direct Deposit or ACH from a checking or savings account is one (1). The maximum value of your Card is restricted to $10,000.00.
What should I do when I've spent the original amount I put on the card?
In most cases, you can simply add more money to your card. It’s called “reloading” your card. You can add value by using it for direct deposit of payroll, tax returns, or other disbursement, simply provide the direct deposit form provided on your account site. You may also add value at any Greendot and WesternUnion locations. You can find these locations at: www.moneypak.com and www.westernunion.com.
Keep your card—even after the balance is depleted and you decide not to add additional money to it —in case you need to return any purchased items. You might be asked to present the card when returning items purchased with the card.
Making a purchase with my card
How do I make a purchase with my Visa Prepaid Card?
Be sure to know your card balance before you shop, as most merchants cannot determine it for you. At the time of purchase, give the card to the cashier and ask to sign the purchase receipt. Or, swipe the card through the keypad and push the “credit” button, then sign the receipt. Each time you use your card, the purchase amount is automatically deducted from your card.
To get cash back when making a purchase, swipe your card and choose the "debit" button, then select the cash back amount you want from the screen options, enter your PIN, and take your cash and receipt to keep track of your balance.
How do I know the balance on my Visa Prepaid Card?
You can check the card balance by visiting https://unitedpayservice.mycardplace.com or by calling 1-866-612-8473. Keeping track of your balance is a sure way to know how much you have to spend.
You may check your balance at an ATM, online at the account site, or call the customer service number 866-612-8473.
What if I want to purchase an item that costs more than the balance on my Visa Prepaid Card?
To make a purchase greater than the balance on your card, you will need to use a second payment method—cash, check, or credit card—to cover the difference. When making your purchase, you must tell the cashier in advance how much to deduct from your card and how much you will pay with the second payment method. However, not all merchants can handle these “split tender” transactions; and, if you try to purchase an item of greater value than your card balance, your card will be declined.
What should I do if my Visa Prepaid Card is declined?
If a transaction is declined, the merchant will let you know. To help prevent this, keep track of your balance by visiting the web site or phone number provided with your card.
What if I change my mind and want to cancel a purchase?
If the merchant cancels a transaction at your request, it may take three to seven days for the authorization hold to be removed from your card.
What if I need to return an item that I purchased with my Visa Prepaid Card?
Present your Visa Prepaid Card at the time of a merchandise return. If the merchant’s return policy allows it, the merchant will credit the amount of the purchase back onto your card.
Remember to save your purchase receipts and your card even after the funds have been depleted, in case you have merchandise returns. When returning an item purchased online, have your card number available in order to process the return. The merchandise value will be credited back to your card within three to seven business days.
How long can I use my Visa Prepaid Card?
You can make purchases using your Visa Prepaid Debit card until the expiration date shown on the card, or until the value of the card has been depleted. Once your balance on your card has been deleted, you can add more money to your card at the retail location where you purchased the card or through the direct deposit of your wages, tax refunds, or other disbursements.
UnitedPayService Visa Prepaid Card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc. The Bancorp Bank; Member FDIC.