GETTING A PAYPOWER CARD
The PayPower Card gives you the power to make purchases worldwide everywhere Visa
debit cards are accepted. You can use the card for everyday expenditures whether
you are at home, out and about or abroad! The PayPower Card can be used to make
online, phone or mail order purchases. It can also be used at millions of ATMs worldwide
(registration required). If your card is ever lost or stolen, the Visa Zero Liability
Policy protects you from unauthorized use* (see disclosure below for more information).
The amount of every purchase or ATM withdrawal you make is automatically deducted
from the value in your card account. When completing a transaction, select "Credit"
if you would like to sign for your transaction and "Debit" if you would like to
use your PIN. Before you can use your card for PIN based transactions, you must
register your card.
You must be a US citizen or US resident alien over 18 with a valid Social Security
number and a verifiable physical street address to get a card. Currently we do not
offer PayPower Cards to residents of Puerto Rico, Guam, U.S Virgin Islands, American
Samoa or other U.S. territories. During the registration process, you will be required
to supply your name, address, date of birth, and Social Security number. P.O. Boxes
are not acceptable.
Enrolling for a PayPower Card is easy and takes only minutes! Click here
to enroll online or purchase
a PayPower Card at a retailer,
to find a retailer near you.
You must be at least 18 years of age.
Yes, as long as you are a permanent resident age 18 and over with a verifiable physical
U.S. street address (No P.O. boxes) and a valid Social Security number.
Your first and last name, verifiable physical U.S. street address (No P.O. boxes),
date of birth, home phone number, email address and Social Security number.
We are required by Federal Law (USA PATRIOT Act) to obtain, verify and record information
including your first name and last name, verifiable U.S. street address (No P.O.
Boxes), date of birth, Social Security number and other information that will allow
us to reasonably identify you. This requirement helps to prevent the card from being
used for illegal purposes.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT:
To help the government fight the funding of terrorism and money laundering activities, federal law requires
all financial institutions to obtain, verify, and record information that identifies each person who opens a
Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth,
and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or
other identifying documents.
No. The PayPower Card is not a credit card or a gift card - it is prepaid card.
To use it, you must first load money in your PayPower Card account. To load money,
you can add cash at participating retail locations. After registration, you can
direct deposit all or part of your paycheck or government benefits or visit a Visa
ReadyLink retailer. When you use the PayPower Card, the amount of your purchase
is automatically deducted from the card account balance.
USING MY PAYPOWER CARD
or call the 24-hour
automated phone system toll free at 1 (888) 633-9432 to activate your card.
Registering your PayPower Card allows you to enjoy the full range of benefits including
direct deposit, bill payment, get cash back at an ATM, receive a personalized card
or send money to another PayPower Card cardholder.
After registering, you can use the PayPower Card to obtain cash from any Automated
Teller Machine ("ATM") that bears the Visa Acceptance Mark. All ATM transactions
treated as cash withdrawals. You will need to enter your PIN when prompted, and
select “checking” to access money. A fee applies to each ATM transaction in addition
to any fees the ATM terminal owner may impose.
You can create a PIN at any time. There are a few ways to setup a PIN, (1) Select Setup PIN on the home page (2)
Log into your online card account and select Account Settings under the My Account tab (3) Call the 24-hour automated
phone system at 1 (888) 633-9432. Note: You cannot use your PIN to request cash back until you have completed registration.
The PayPower Card can be used everywhere Visa debit cards are accepted. In addition,
once you register your PayPower Card, you can use it to withdraw cash and check
your balance or get cash at millions of ATMs. Your PayPower Card can also be used
to make purchases online, over the phone, or through mail order. Note: Not all car
rental companies and hotels accept prepaid cards.
When purchasing gas we strongly recommend paying inside at the cashier. If you choose
to pay at the gas terminal outside (pay at the pump) you must have at least a $125
balance. If you don't have at least a $125 balance your purchase may be declined.
Yes, but use caution. When the total amount due is unknown (for example when you
check into a hotel), merchants have the right to pre-authorize the purchase, which
puts a hold on the funds. A restaurant, for example, might hold up to 20% or more
to cover whatever you tip. To avoid this kind of hold, we recommend that you call
hotels and rental car companies first to inquire about their prepaid card policy.
Yes, you may use your PayPower Card everywhere Visa debit cards are accepted. Your
card must be registered before most merchants will let you make an online purchase.
Most websites also ask for your security code (3 digit code on back of card near
signature panel). See the example below to find your CVV2 code:
CALL US IMMEDIATELY AT 1 (888) 633-9432 if your card is lost or stolen. After you
cancel your PayPower Card, a replacement card with the remaining balance minus a
$5.95 Lost/Stolen Replacement Card Fee will be mailed to you. As long as the lost or stolen PayPower
Visa Prepaid Card is reported immediately, you will not be responsible for any unauthorized
charges (Note: full reimbursement of any fraudulent charges is provided through
the Visa Zero Liability Policy* (see disclosure below for more information). We
reserve the right to review any disputed charges based on our risk policy).
If you suspect an error, have questions about a transaction, or wish to dispute
a transaction that has posted to your card account, log in to your card account
to download a dispute form. You will be required to provide the following information:
- Your name, address, and phone number
- Your prepaid card account number
- A description of the error or the transaction you are unsure about. Explain as clearly
as you can why you believe it is an error or why you need more information.
- The dollar amount of the suspected error
- Your e-mail address
Send the above information to:
Cardholder Dispute Services
6220 Stoneridge Mall Road
Pleasanton, CA 94588
or fax 1 (623) 336-6699
or email to email@example.com
We're sorry, but we cannot accept telephone correspondence for disputed
The BEST way to have money loaded to your PayPower Card account is through direct
deposit. With direct deposit, you can have all or part of your pay, dividend, disability,
and government checks (Social Security, tax refund, welfare, etc.) sent
directly to your PayPower Card account. There's no fee for loading your card account
via direct deposit. You can also load your personalized card by purchasing a Reloadit
Pack at thousands of participating retailers or at any Visa ReadyLink reload location.
Load fees and limits vary by retailer. Click here
find a retail location near you.
Login to your account, click Add Money and then select the type of Direct Deposit
you are setting up.
- Directly Deposit your paycheck
- Select the card account you would like to deposit your
paycheck to and print your personalized direct deposit form.
- Sign the form and bring it to your employer’s payroll
- Tell them how much money you’d like to add to your card
account. You may add part or all of your paycheck (1% to 100%).
- Direct Deposit your existing Government Benefit payments to your PayPower Card
by providing your Account and Routing Number to your benefits provider.
Yes. You can load your tax refund or other one-time payments from institutions that
offer direct deposit. Use the routing number and Direct Deposit Account (DDA) number
(NOT your 16-digit card account number) provided on your personalized direct deposit
Yes. Your tax refund can be loaded directly to your card account by including the
PayPower Card routing number and Direct Deposit Account (DDA) number (NOT your 16-digit
card account number) provided on your personalized direct deposit form. You can
use this information whether you are filing online, by mail or through your local
Note: Refund Direct Deposits MUST be in the name of the cardholder to be accepted
and posted to the PayPower Card account.
When you change jobs, payments from your previous employer stop automatically. To
re-enroll in direct deposit with your new company, fill out another direct deposit
form, sign it and hand it to your new employer. You can receive direct deposit from
more than one employer at the same time.
Yes, the entire amount of your government benefits check will be deposited to your
You can cancel the Direct Deposit of your government benefits at any time by contacting
the Federal agency that administers your benefit. For contact information, Click here.
You should begin receiving the benefit on your PayPower Card account within 2 benefit
cycles (typically 30 days).
Yes, the secondary cardholder may also deposit their government benefits to their
card account. However, the secondary cardholder may not deposit their benefits to
the primary cardholders account.
No matter which tax preparation software you decide to use you can have your tax
refund directly deposited to your card account. Simply gather your Routing Number
and Direct Deposit Account Number from the cardholder website (note: this is not
the 16-digit number on the front of your card). Be sure to check “Checking Account”
when designating an account type. To find out what your Routing and Account Number
is, login to your online card account and under the Add Money tab, choose
PayPower does not know the status of your tax refund. You may visit the tax refund
site, “Where’s my Refund”
to get an estimated date of when you will receive your
tax refund or call the IRS Refund Hotline at 1 (800) 829-1954.
Please allow 7-10 business for your card to be delivered.
It can take up to 48 hours for your refund to be available for use once the IRS
has posted it to your PayPower Card Account. If your tax refund has not yet posted
to your card and it is outside the processing time frame you were quoted, please
contact the IRS directly at 1 (800) 829-1954.
There are many reasons why funds can be held on the card. Incoming deposits, for
example tax refunds or payroll deposits may be reviewed to ensure fraudulent activity
is not occurring which could result up to a 48 hour delay. When the total amount
due is unknown (for example when you check into a hotel or pump gas) merchants have
the right to pre-authorize the purchase, which puts a hold on the funds to ensure
you have enough to cover the charge. A restaurant, for example, might hold up to
20% or more to cover a tip.
If you filed a joint tax return this year, make sure that all the names on your joint
return match all the names on your account to avoid any delays. You can add the name
of your joint filer by accessing your online account and adding a secondary cardholder
under the "My Cards" settings.
No, tax refunds must be in the name of the cardholder.
In order to ensure the security for our customers and to help protect your identity, some additional validation may be required on your card that may cause an additional, but brief, interruption of service. We hope you can appreciate our commitment to protecting our customers. If you experience issues with your card please call (888) 633-9432.
After registration, you may reload your card account at thousands of participating
retailers by purchasing a Reloadit Pack or at any Visa ReadyLink reload location.
Load fees and limits vary by retailer. Click here
find a retail location near you.
The Reloadit Pack enables you to reload any PayPower Card account.
- Purchase and load a Reloadit Pack at participating retailers and transfer those
funds to your card. A reload fee will be added to your purchase.
- Go to www.Reloadit.com or
call 1 (888) 633-9434 to apply the funds to your card. You will need the 10-digit
number located under the scratch-off on the back of the Reloadit Pack and the amount
loaded onto the Reloadit Pack (excluding the reload fee).
- The funds will be applied to your card account.
- Click here
to find a Reloadit Pack retailer near you.
Visa ReadyLink is available at thousands of convenient and accessible locations
- Go to any register and tell the clerk you would like to perform a Visa ReadyLink
prepaid card load transaction.
- Swipe your PayPower Card and enter the amount you would like to load. The load fee
varies by location.
- Give the cash to the clerk (generally $20 minimum, $950 maximum; amounts may vary
by retail location). That's it. Your money will be available in your PayPower Card
account within 5 minutes.
- Click here to
find a Visa ReadyLink location near you.
The minimum daily load limit across all reload channels is $20 and the maximum is
$2,500. Per transaction the load minimum is $20.
You can use MoneyGram ExpressPayment® service to add funds to your PayPower Card.
- Find a MoneyGram agent location near you.
- Complete the MoneyGram ExpressPayment® blue form.
- Use Receive Code 7584 and your card number as the account number.
- Load funds. A load fee of $3.95 will apply.
view an example ExpressPayment® blue form.
Bring the following information with you when you visit a MoneyGram agent location:
- Company Name: PayPower
- Receive Code: 7584
- Account Number: Your 16-digit card number
- City/State: Pleasanton, CA
Money loaded via MoneyGram is generally available immediately. Check your PayPower
Card balance to verify availability.
There are thousands of MoneyGram agent locations nationwide. Find the MoneyGram
agent location nearest agent by clicking here
, or call 1-800-926-9400.
Purchase / Maintenance Fees:
Value Load/Reload Fees:
Domestic ATM Withdrawal Fee:
$1.95 per transaction
Domestic ATM Balance Inquiry Fee:
$0.50 per transaction
International ATM Withdrawal Fee:
$3.95 per transaction
International ATM Balance Inquiry Fee:
$0.95 per transaction
In addition, when you use an ATM not owned by us for any transaction, including a balance inquiry, you may be charged a fee by the ATM operator even if you do not complete a withdrawal. This ATM fee is a third party fee amount assessed by the individual ATM operator only and is not assessed by us. This ATM fee amount will be charged to your Card.
Foreign Transaction Fee:
2.0% of the amount of Foreign Transaction
Teller Cash Withdrawal Fee:
$2.00 per transaction
Card to Card transactions:
Lost/Stolen Replacement Card:
$5.95 per request
Secondary Card Issuance Fee:
$4.95 per request
Express Card Shipping Fee:
$25.00 per request
Check Request Fee:
$5.95 per request
(charged if you ask us to close your Card Account and issue a check for the remaining
Bill Payment Fee- Electronic/Paper Check:
Bill Payment Fee- Expedited:
$9.95 per transaction
Fee for Written Account History:
$2.95 per transaction
*Varies by retailer.
**Additional ATM fees may apply by ATM owner.
There are no overdraft fees. The PayPower Card is a prepaid card – only spend what
you have in the card account.
With PayPower Card Bill Payment, you can send a one-time payment
to thousands of payees. Your bill is paid and the amount is deducted from your available
balance. You can set up, edit, send payments and view your payment history via your
card account online at www.paypower.com
is required before using the bill payment feature.
You can access PayPower Bill Payment to set up payees, send payments and view your
transaction history via your card account online at
- Set up a payee. You will need the payee's name and address and the payee account
number if you have one.
- Enter the amount you want to pay and the date you want payment sent. The screen
will populate the first available date the payment can be received. If expedited
payment is available, you can select it by checking the box (there is an expedited/same
day Bill Payment Fee - Exp of $9.95). We strongly recommend you schedule your payment
at least five (5) days before the payment due date to make sure the payment reaches
your payee in time.
The Bill Payment feature is free.
$5.95 Monthly Maintenance fee applies.
Payees receive payment on the day you have chosen. If the payee is not in the automated
payment network, and a manual paper check has to be sent, please allow additional
time for USPS to deliver your payment.
There is an expedited/same day payment option for a $9.95 Bill Payment Fee - Expedited.
Payments must be received prior to 11:00 am CST in order to be delivered the same
You can login to the website at www.paypower.com
and review your payment activity. We recommend that you sign up for automatic alerts
to remind you about upcoming and completed bill payments. Bill Payment alerts can
be sent to your cell phone*
and/or your email address. Go to
to set up your alerts.
*Standard text messaging rates from your wireless service provider may apply.
Due to legal requirements, we currently can only schedule payments to payees within
the United States in U.S. currency.
If you do not have enough money in your card account on a payment date, the scheduled
payment will be suspended and will not be sent. You do not incur any fees from your
PayPower Card account . You could, however, incur a late payment fee or other penalty
from your payee if you do not make your payment on time. We recommend you sign up
for Transactions Alerts to automatically notify you of any paid or missed payments.
We are not responsible for your failure to make any scheduled payments due to insufficient
Many payees accept electronic payments, but not all. After you enter your payees information we will be able to identify if your payee accepts electronic payments or not. This information will be displayed in the ‘Estimated Days to Delivery’ section of the payment page. Please allow 2 business days for electronic payments and 5 business days for paper check delivery.
We issue payments automatically on the exact date that you specify. If you are paying
a manual payee, PayPower issues a paper check. You should choose a payment date
at least 5 business days prior to the payment due date. This will allow the paper
check issued on your behalf to reach your payee on time. If your payment is late,
the payee may assess late fees.
With alerts, you automatically get a text message*
and/or email when
account activity occurs.
*Standard text messaging rates from your wireless service provider may apply.
You can choose from any or all of the following alerts:
- Daily balance alert
- Weekly balance alert
- Transaction alerts – approved or declined transactions, loads, bill payments, etc.
- Service alerts – password changes, PIN changes, etc.
You can update or change your preferences at any time by logging into your card
Note: If you choose to receive text messages, standard text messaging fees may apply.
You can sign up for alerts by logging into your card account online and selecting
Account Settings under the My Account tab.
Yes, you can add one additional card to your PayPower Card account. Secondary cardholders
must be 18 or older and have their personal information verified. The secondary
cardholder of the PayPower Visa TravelMoney Card must be 13 years or older. There
is a Secondary Card Issuance Fee of $4.95 for an additional PayPower Card.
Both the primary PayPower Card and the secondary PayPower Card will share the same
card account funds. The name of your family member(s) or friend(s) will be embossed
on the additional PayPower Card. Each card will have its own unique card account
number, but both cards will have access to the same available funds.
Note: The primary cardholder is liable for all transactions made with the card or
card number. The primary cardholder must notify PayPower to revoke permission of
any person previously authorized to use the card. Primary cardholders are responsible
for all transactions and fees incurred by them or any authorized users. In the event
a secondary user's privileges are revoked, PayPower may choose to reissue the primary
card with a new number. The primary cardholder is wholly responsible for the use
of each card according to the terms of the Cardholder Agreement.
To order an additional PayPower Card for a friend or family member, login at
and enroll for a card for a friend or family member. There
is a Secondary Card Issuance Fee of $4.95 fee for an additional PayPower Card.
You can order one additional card. There is a Secondary Card Issuance Fee of $4.95
for an additional PayPower Card.
You can send money to another PayPower Card cardholder or receive money from another
PayPower Card cardholder using this feature. It is the quickest, easiest way to
send cash to another PayPower Card cardholder. To send money, simply add recipients
to your contact list, select them, enter the amounts to send, and the funds are
instantly deducted from your PayPower Card balance and credited to theirs.
You'll need to know the recipient's phone number and the last 4 digits of the PayPower
You can send or receive up to $500 per day and $2,500 per month.
The PayPower Card website uses the latest 128-bit encryption technology to secure
your card account and personal information online. We follow strict procedures to
ensure your card account and personal information is never shared or misused in
The PayPower Card website is best viewed with Microsoft Internet Explorer 7.0 or
higher, Firefox 25.0 or higher, Safari 5.1 or higher, and Chrome 31.0 or higher.
*The Visa Zero Liability policy covers U.S.-issued cards only and does not apply
to ATM transactions, PIN transactions not processed by Visa, or certain commercial
card transactions. Cardholder must notify issuer promptly of any unauthorized use.
Consult issuer for additional details or visit
**Refund Direct Deposits MUST be in the name of the cardholder to be accepted and
posted by the PayPower Visa Prepaid Card.