“If we can agree to work together, and keep investing in innovative technologies, I’m confident we can continue to protect consumers and companies from fraud, capture cybercriminals and maintain trust in the payments system.”
President Obama made it clear during his January State of the Union address that protecting American companies and consumers from cyberthreats was a national priority. At Visa, we share this critical goal. We recognize, as the President has, that “neither government, nor the private sector can defend the nation alone.” In order to defeat cybercriminals, all of us – government, industry, law enforcement and consumers – must work together.
President Obama’s call for data breach notification legislation is an important step in government working more collaboratively with the private sector. While those of us who handle sensitive customer information are dedicated to vigilantly protecting it, we recognize cybercriminals are continuously working to steal this same information. And, while they fail far more often than not, we know that despite our best efforts they have infiltrated many of our country’s computer systems. When this happens, companies have an obligation to notify customers that their personal information may have been compromised. Currently, 46 states, Washington, D.C., Guam and Puerto Rico have laws regarding breach notification. Since many companies have operations in several states, they must comply with differing state regulations and an inefficient process of customer notification. The President’s call to Congress to develop a uniform Federal data breach notification standard will be a valuable tool to guide businesses on when, and by what means, consumers and law enforcement agencies must be notified if sensitive information has been exposed. Read More →
UPside is a money management service that comes with an UPside Visa Prepaid Card, an online virtual check book, and many other one-of-a-kind services. You can receive funds through direct deposit, cash loads at more than 50,000 retailers nationwide, check cashing, and credit or debit card. Because it’s prepaid, your spending is limited to the amount of money received on the account. All purchases and payments that you make with your UPside card are decremented from your available balance in real time. And, unlike most other prepaid cards, you will earn reward points redeemable for cash back onto your card.
The UPside prepaid card account has lower fees than other spending cards available. And the majority of these fees can be avoided by managing your card correctly – checking your balance online, loading funds from an employer or from a checking account.
UPside Visa Prepaid Card
Summary of Fees |
| Fee Category/Type |
Amount |
Typical Use |
| Total cost of set up: |
| Card purchase |
Free |
1/lifetime |
| Monthly fee |
|
|
| if loading < $500/month |
$4.95 |
1/month |
| if loading > $500/month |
$0.99 |
1/month |
| if Premium status1 |
Free |
1/month |
| Optional second card |
|
|
| purchase |
$1.99 |
1/lifetime |
| if loading < $1000/month |
$1.99 |
1/month |
| if loading > $1000/month |
Free |
1/month |
| Add money: |
| Direct deposit |
Free |
2/month |
| Cash using MoneyPak® or Swipe Reload at 7-Eleven and CVS |
$4.95 (charged by store) |
1/month |
| Swipe Reload at Walmart |
$3.74 (charged by store) |
1/month |
| Pre-Printed Payroll or Government Check with Walmart Rapid Reload |
$3.74 + check cashing fee (charged by store) |
6/year |
| From another UPside card |
Free |
2/year (IOU’s) |
| From a debit or credit card |
$2.80 |
1/year (for emergencies) |
| Get cash: |
| From ATM |
$1.952 |
2/month |
| Store Cash Back (up to $60) |
Free3 |
2/month |
| Spend Money: |
| Signature |
Free |
6/month |
| PIN |
Free |
8/month |
| Online Check Service |
|
|
| If Classic status (up to $800 only) |
$2.00 |
1/month |
| if Premium status1 |
1st monthly check Free |
1/month |
| under $500 (Premium Only) |
$1.00 |
1/month |
| $500.01 to $1000 (Premium Only) |
$2.00 |
1/month |
| $1000.01 to $1500.00 |
$3.00 |
1/month |
| When traveling abroad |
2% on top of exchange rate |
1/year |
| Information: |
| Call Customer Service |
|
|
| automated IVR access |
$0.99 |
3/year |
| speaking to live agent |
$2.00 |
1/year |
| if Premium status1 |
Free |
3/year |
| Email / Online / Mobile App |
Free |
8/month |
| ATM Balance Inquiry |
$0.992 |
3/year |
| Incidentals: |
| Decline at POS |
Free |
1/month |
| Negative balance |
Free |
2/year |
| Decline at ATM |
$2.00 |
3/year |
| Inactivity |
Free |
1/year |
| Card replacement |
$9.95 |
if lost |
| if expedited |
$30.00 (additional) |
if lost |
| PIN Change |
$0.99 (First free) |
1/lifetime |
| Closing account |
Free |
1/lifetime |
| Check issuance at account closure |
$12.00 |
1/lifetime |
1Earn 15,000 UPgrade points to become Premium Member
Earn UPgrade points by:
Direct Deposit = 2000 UPgrade points per load (over $200) + 1 UPgrade point per $1
MoneyPak loads = 1 UPgrade point per $1
Credit/Debit Card loads = 1 UPgrade points per $1 |
2Fees charged by ATM network may apply. Withdraw up to $400/transaction; $500/day.3Up to $60/transaction; 15 transactions/month. |
|
ATM Fees: When you use an ATM, you may be charged a fee by the ATM operator or any network used to complete the transaction (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).
International Transaction Fee: If you obtain your funds (or make a purchase) in a currency or country other than the currency or country in which your Card was issued, or make a purchase from a merchant using a bank that uses currency other than the currency in which your Card was issued, the amount deducted from your funds will be converted by Visa U.S.A. Inc. (“Visa”) into an amount in the currency of your Card. Visa U.S.A. Inc. will establish a currency conversion rate for this convenience using a rate selected by Visa U.S.A Inc. from the range of rates available in wholesale currency markets for the applicable central processing date which may vary from the rate Visa U.S.A. Inc. itself receives, or the government-mandated rate in effect for the applicable central processing date, in each instance, plus or minus any adjustment determined by the issuer. This percentage amount is independent of any amount taken by the issuer in accordance with the following section of these Terms & Conditions.
If you obtain your funds or, make a purchase in a currency or country other than the currency or country in which your Card was issued, or make a purchase from a merchant using a bank that uses currency other than the currency in which your Card was issued, the issuer may increase the currency conversion rate (described in the immediately preceding section) up to an additional 2% and will retain this amount as compensation for its services. This charge is independent of the currency conversion rate established by Visa U.S.A. Inc.
Plastyc Inc. is a privately held US corporation with a principal office in New York. Our mission is to provide payment and money management services to anyone with Internet access who would rather not drive to a bank and wait in line there.
We address consumers of all ages, including teenagers (13-17), provided that an adult is involved in their enrollment to our services.
We also help companies get paid by consumers easily and efficiently, or even pay contributors out instantly and at no cost.We have partnered with established financial institutions such as
Meta Payment Systems, payment systems networks like Visa & Green Dot Corporation, and processors like Fidelity Information Services.
We are committed to adhering strictly to the industry rules and regulations, as required by our financial institutions partners: the USA Patriot Act, the Bank Secrecy Act, the Gramm-Leach-Bliley Act, the list checks of US Treasury’s Office of Foreign Assets Control. We also maintain a strict Anti-Money Laundering policy.
Plastyc’s principals are veterans of the consumer and payment industries, with decades of experience at companies such as GemAlto, Oberthur, Unilever, Thomson/RCA, Sun Microsystems and Mobile365, a company in which both Visa and CitiBank were investors (now Sybase365)
For further corporate inquiries about the company, please contact us at [email protected].
Upside Prepaid Card Balance Check
You are able to check your balance in many ways:
- Online by logging onto your online card account
- From your downloaded UPside Mobile App (available for Android and iPhone)
- By calling customer service at 1-866-845-6273
- By using your cell phone’s internet browser and logging into your prepaid account at m.upsidecard.com(cardholders only)
- From your Facebook UPside Application
- Through ATM terminals with the Visa, Plus or Interlink logo.
Check Balance Online
You can use your UPside Visa Prepaid Card online anywhere Visa debit cards are accepted. When checking out, enter your billing information as asked. The billing address is the address you provided at enrollment. If you would like the merchandise shipped to another address, enter shipping information accordingly. Just logging onto your online card account here.
Check Balance by Phone
You can check your balance from your downloaded UPside Mobile App (available for Android and iPhone), by using your cell phone’s internet browser and logging into your prepaid account at m.upsidecard.com(cardholders only) or by calling customer service at 1-866-845-6273.
To login to your Upside Prepaid Card Account
If you wish to have a Upside Prepaid Card, you must be over 18, inorder to enroll for the UPside prepaid card. There is no fee involved or money needed to enroll, but you will need a Social Security Number for verification of your date of birth. Click here to sign up a account. After your successful registration. Click here to log in your Upside Prepaid Card account.
Get the purchasing power you need with a prepaid, reloadable BB&T MoneyAccount®. It’s a smart way to manage and protect your money.
- Apply in minutes—no credit check or bank account required
- Spend only the funds you have available in your account
- Make purchases, pay bills online, get cash back and more
- Use direct deposit to avoid costly check-cashing fees
Enjoy the benefits of a checking account with the convenience of a prepaid, reloadable debit card.
- Manage your account with ease—spending is limited to available funds
- Establish financial responsibility—ideal for young adults or students
- Enjoy hassle-free spending—perfect for frequent travelers and online shoppers
- Share joint accounts with your spouse, child, relative or friend
BB&T Prepaid Debit Card Pricing
SERVICE AND USAGE FEES
Did you just receive a Visa gift card for Christmas? They’re one of the most popular items to receive, but they can be a little confusing in regards to how to use these Visa cards to shop online. The Visa Gift Card is a prepaid Visa debit card that cannot be reloaded and you cannot withdrawal money at the ATM. They are limited use cards and once the balance is removed, you cannot shop with them any longer.
How to use a Visa Gift Card to Shop Online
You can try to use your Visa Gift Card to shop online, but most websites will reject the transaction due to an AVS mismatch. An AVS mismatch is when the address of the credit or debit card does not match the billing address that you have entered.
If a website allows the transaction to go through, that means that site has really low fraud prevention. Most websites will require that the billing address input exactly matches the one associated with the card.
You can use the Visa Gift Card to shop online after you register the gift card with the provider. If it is a Vanilla Visa gift card, all you need to do is visit the Visa website at and register the card there. If you have an American Express prepaid card, then you’ll need to call customer service with American Express to register the card. The number for customer service varies, so you want to flip the card over and call the 1-800 number on the back.
If you have any other questions about shopping online with a Visa Gift Card leave it in the comments and we will help you out.
Walmart has a wide variety of prepaid debit cards available for purchase and activation in their stores. A prepaid debit card is just like a regular credit card, except you can only spend up to the amount of money that you load onto the card. You can use the card to shop online, eat out at restaurants and even withdrawal cash from the ATM.
You are able to load or reload (add more funds) to your prepaid debit card at any Walmart location. Just visit the Walmart moneycenter inside the store and the customer service representatives will help you handle the transaction. Also be aware that you will have to pay some sort of activation fee when you first start using the card that ranges anywhere form $5.95 to $10.00.
The Walmart Money Card is by far the most popular prepaid card available on the market and it’s highly recommended to all readers of this blog.
Prepaid Debit Cards Available at Wal-Mart
- Walmart MoneyCard Visa
- Walmart MoneyCard MasterCard
- American Express Prepaid Gift Card
- Visa Prepaid Gift Card
- MasterCard Prepaid Gift Card
- Green Dot MoneyPak
Intuit a direct competitor with mobile payment provider Square has just launched their first prepaid card titled the GoPayment Prepaid Visa Card. This is a prepaid debit card that acts just like a regular credit card, except you can only spend the balance that you put on the card. Therefore you are never subject to overdraft fees, late fees, or missed payments like you will find with a regular credit card. The GoPayment Prepaid Visa also allows you to receive money from your customers when they pay you for items.
Intuit GoPayment is a processor that allows you to accept credit cards using your smart phone and skipping the traditional credit card processors. With the GoPayment Prepaid Visa card all of your transactions will be directly deposited on the card. You can then withdrawal the funds at an ATM location or by using the card to make purchases in-store or online at your convenience.
Another great feature is with your GoPayment Login you are able to view all of the transactions for this card. You can then move the balance to a checking or savings account instantly from the online platform. Intuit makes it very simple and easy for users to not only accept credit card payments, but manage their money as well.
GoPayment Prepaid Card Fees
The card does not have any activation, activity, or other common startup fees that you will see with some other prepaid debit cards. The first ATM withdrawal is free of charge, but each additional transaction will cost you the ATM fee plus another from Intuit.
We highly recommend this card if you are using the Intuit system to accept payments for your business. It’s very easy to get your money from the company and you will be able to manage it all very quickly using the tools that you’re already familiar with on your account.
For more information check out www.gopaymentcard.com
The Vision Prepaid Card is a prepaid debit card that can be used just like a regular credit card or debit card account. With your Vision prepaid card, you can shop online at stores, buy things at the mall, eat out at your favorite restaurants or withdrawal cash at the ATM. Prepaid cards are a simple way to achieve financial freedom without the worries of overdraft fees, late payments, long lines at the bank, or waiting for a check to be deposited into your account. Due to it being a prepaid card, you can only spend the money available on the card and you will never have to deal with banking pains again.
Vision Prepaid Card Features
- 5.65% APY Savings Account
- 1% Cash Back on All Gas Purchases
- Free Roadside Emergency Assistance
- No Credit Check
- No Interest Charges
These features make the Vision Card one of the best prepaid cards that are available. Your are able to effectively manage your funds online all while earning interest in your free 5.65% APY Savings Account. This feature is not readily available for other types of prepaid debit cards, so you definitely want to take advantage of that.
Vision Card Fees
The Vision Card fees are comparably low to the other prepaid cards on the market. The activation is only $9.95 and the monthly fee is $7.95. There are no transaction, bill pay or customer service fees as you will sometimes find with other cards. Can you imagine having to pay to talk to someone about a problem with their product? That is ridiculous.
Compared to a regular checking account at a bank, the Vision Card provides a great alternative. You can literally do all of the same things with your prepaid card as you can with a debit card.
The Vision Card represents an excellent choice for prepaid cards currently available on the market. While they do not have the same presence as the Rush Card or Walmart Money Card, it is definitely a good option and something that you should consider purchasing.
The Vanilla Visa Prepaid Gift Card is a non reloadable prepaid debit card that is often given as a reward at work, customer appreciation, or a gift. With the Vanilla Visa gift card you can shop at your favorite stores, go to the movies, or eat out at restaurants. Because the card is backed by the Visa network, you will be able to shop anywhere that Visa debit is accepted.
Where can I buy the Vanilla Visa?
You can usually buy prepaid debit cards are your local grocery store, 711, pharmacy, drugstore and certain gas stations. You can find more official information here.
The Vanilla Visa is officially sold at:
- Walmart
- Rite Aid
- CVS
- Walgreens
- Kroger
- Safeway
Places You Cannot Use the Vanilla Visa Gift Card
- Overseas or outside of the United States
- At casinos or other gambling establishments
- Gas pumps (you will have to go inside)
- Places that do not accept Visa
- ATM’s (you cannot withdrawal cash)
You are able to shop online with the Vanilla Visa gift card, but you have to register the card first. It’s very simple to register the card, just visit the Vanilla Visa Account Login page and submit your information. Registering the card also protects you in the event that your card is ever lost or stolen, because you will not be responsible for the funds and be able to recover all of that money.
Vanilla Visa Paypal
At this time you are unable to transfer funds from your Vanilla Visa card to your paypal account. This is due to the Vanilla Visa being only a prepaid debit card and not an actual bank account.
Planning to buy a Wal-Mart money card Visa or MasterCard it will take you no more than one minute of your precious time because the Wal-Mart money card believes in valuing its customers’ time. You have to options in purchasing your Walmart moneycard and getting your account activated.
You can do so online by visiting the Walmart Money Card website. You will have to fill out basic information (purely confidential and secure) and the click on the get my card icon. Once this procedure is finished, you will get your card at your mailbox within 7 to 10 days. The Walmart Money Card will always come with free shipping and some of the best Money Card features in all of the prepaid card space.
Visiting the Walmart Money Center is Easy!
Alternatively, if you prefer going to the store you can visit any Walmart location [locator] and walk into their money center. At the Walmart money center you can sign up for an account, add more funds to the card, or transfer funds to a different card. The customer service representatives will be able to assist you with anything you need regarding this card, making it simple and easy to manage your money. There will be a processing fee of $3 when using this service at the store, but it’s so simple and easy that it’s worth the money.
The Rush Card is a popular Visa prepaid debit card that can be used to shop online, withdrawal money at ATM’s or dine out at restaurants. It is sponsored and endorsed by Russell Simmons who has created a way for the underbanked to experience the same financial options that traditional credit card holders have.
Now with the Rush Card you can have your funds directly deposited into your account so that your money is available to you faster than before. Direct Deposit on the Rush Card also comes with a financial bonus, which is great because who doesn’t love free money? Read More →