This page provides important information about your card. Please read it carefully before using the card. If you have questions, please call the number on the back of your card.
No. The card is a prepaid card that carries funds loaded on the card by the card sponsor (the organization that pays for the funds on the card). Each time you use the card, the purchase amount is deducted from the available balance. This is a promotional / incentive product.
Your card can be used anywhere Visa or Mastercard is accepted, including over the phone and online.
Check the card package you received to find out if cash withdrawals are permitted.
If cash withdrawals are permitted, you will find your PIN either printed on the card package you received, or under the Profile section of the website listed on the back of your card.
Your Access Code is used to activate your card and to check your balance. You will find it in the card package your received.
Look for communications from the sponsor company that outlines the initial funds loaded on the card. You have several ways to determine your balance:
Yes. Just remember to present the card to the station attendant rather than paying at the pump since automated fuel dispensers are sometimes unable to pre-authorize prepaid cards.
Yes. However, you should be aware that restaurants and hotels factor in an automatic tip or other incidental expenses when authorizing your purchase transaction. If the total purchase amount including the estimated tip exceeds the amount available on your card, your card may be declined. If you think this will happen, inform the merchant in advance about how much to deduct from your prepaid card and which second payment method (credit card, debit card, cash or cheque) you want to use to cover the difference.
Yes. Your card is intended for use anywhere Visa or Mastercard cards are accepted. You should be aware that some internet merchants use fraud protection software that may decline a prepaid card for an online or phone purchase transaction.
No. Each card is distributed with a schedule of fees and summary Cardholder Agreement. You accept the terms and conditions of the Cardholder Agreement by signing the back of the card, using the card, or receiving the card by request.
No. You can review your current balance, free of charge, by visiting the website provided on the back of the card. In addition, you can call the Cardholder Services number listed on the back of the card to receive balance and transaction information. Fees may apply. Refer to the Cardholder Agreement for details.
The sponsor company may reload funds onto your card as per the description included in the package you received. If there are no additional funds to be loaded onto your card, keep your card in case you must return any purchases made with the card. The merchant will ask you to present the card when requesting a refund. If your card has expired, the merchant’s return policy will determine how the return will be handled.
Each merchant location has its own return policies and will handle returns in the same manner as any other Visa or Mastercard transaction. They may credit your prepaid card, provide a cash refund, or provide a store credit.
No, only the card sponsor can load funds onto the card.
Yes. It expires on the date printed on the front of the card.
We encourage you to use the entire amount of funds before the expiration date as unused funds may be removed from the card at the discretion of the card sponsor. Check the card package you received for more details about card expiration.
Yes. At the discretion of the card sponsor, cards can be cancelled prior to the expiry date. You will be provided with a minimum of 60 days notice to allow you to use the balance of funds on your cards.
You must notify us immediately by calling the number on the back of the card and providing your card number and other information we request. Once you have notified us, your card may be replaced at your written request, subject to our verification of your request and a replacement fee. You are responsible for any transactions that may occur prior to the card being reported. You are also responsible for all transactions where your PIN has been used.
All fees related to your card are provided to you in the Cardholder Agreement contained in the card package you received. We encourage you to read the fees associated with the card and to establish usage patterns that minimize fees associated with card ownership.
No, the card is a prepaid card which will only authorize when enough funds exist on the card to cover the purchase.
No, the funds on this card are not insured by the CDIC.