“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.
