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Visa total pay card login

visa total pay card login

If you have a Brighthouse Financial pension / annuity benefit through your employer or former employer,Total Control Account, or Trust owned life insurance. Wayfair Accounts are issued by Comenity Bank. null. Loading. Feedback. Personal credit cards from Visa® at First National Bank of Omaha deliver low rates You must pay your entire statement balance (including all promotional.
visa total pay card login

: Visa total pay card login

Visa total pay card login
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    Economic Impact Payment Card
    Cardholder Agreement

    Customer Service Contact Visa total pay card login Network Financial, LLC
    2900 Westside Parkway
    Alpharetta, GA 30004


    Phone Number

    Hearing Impaired

    (For calls from outside of the U.S., please call the number noted on the back of your Card. Calls from outside the U.S. may incur telecommunication charges.)

    Important Notices


    This Cardholder Agreement (“Agreement”) sets forth the terms and conditions under which the U.S. Debit Card Visa® Prepaid Card has been issued to you. In this Agreement, "Card" means the US Debit Card Visa Economic Impact Payment Card issued to you by MetaBank®, National Association. "You" and "your" means the person or persons who have received the Card and are authorized to use the Card as provided for in this Agreement. "We," "us," and "our" mean MetaBank, N.A., our successors, affiliates, or assignees. "Government Agency" means the United States Department of the Treasury or other government agency that requested this card on your behalf. The Card will remain the property of MetaBank, N.A and must be surrendered upon visa total pay card login. The Card is nontransferable, and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable visa total pay card login. Please read this Agreement carefully and keep it for future reference.

    1. Features, Fees and Limits

    No Cost Services and Transactions

    • Purchases

      Visa total pay card login -

      Pay bills online, 24/7

      From your car payment to your utilities and mortgage, paying bills with Western Union is fast, convenient and reliable no matter how you choose to pay.

      Get Started

      Hero _ Lady with a laptop

      Refer a friend!

      You’ll both earn a $20 e-gift code*.
      Terms and conditions apply.

      Learn more

      Simple steps for online bill pay


      Sign up and verify your free profile

      Log in or Sign up and verify your free profile to pay a bill online. You can verify your profile using your United States driver’s license, passport or government-issued ID.



      Find your biller

      Search for your biller by typing in the name. From your mortgage to your water bill, our network likely has you covered.


      Complete the required fields

      Simply provide your account number and the amount you’d like to pay towards a bill.



      Select a secure payment method

      Our bill pay services let you conveniently pay with your credit/debit card1.


      That’s it! Bill paid

      We’ll send you a confirmation email with the money transfer control number (MTCN) of your transaction for your records.

      Instructional _ card processors

      More ways to pay bills with Western Union

      Pay bills on the go

      Pay bills anytime, anywhere with the Western Union® app.

      Download app

      Make a payment in person

      Visit one of 55,000 U.S. agent locations2 to pay your bill. Start on the app and you can save time paying in-store – no forms to fill out.

      Find locations

      Pay by phone

      Need to pay a bill now? Call 1-800-634-3422 from your home or mobile phone and pay using a credit/debit card1.

      Learn more

      Sign up to start paying bills today

      Sign up now

      Quick and easy sign up

      All you need is a valid email address and a mobile phone number to start paying bills via the app, at, or in person today.

      Track your payments

      We provide a confirmation email or receipt with the tracking number of your transaction.

      Pay the way you like

      Pay bills using credit/debit card1 online or cash in-store.

      Convenient locations

      Pay bills in person at a Western Union®agent location near you.

      Sign up now

      Pay bills fast on our app

      Pay-bills or start a bill payment and pay in-store.

      Track your payments in real time.

      Touch ID saves you time with fast log-in.

      Download the app

      Rating as of September 15, 2020.


      Frequently Asked Questions about paying bills with Western Union

      How do I pay bills using the Western Union® app?

      1. If you already have the Western Union® app, log in with Touch ID or your credentials. If you don’t have our app yet, simply download it on the Apple App Store or Google Play Store. New users can follow the steps to register a profile with your email address. You can verify your profile using your driver’s license, passport or government-issued ID.
      2. Once you are in our app, select ‘Pay bills’ and search for your biller by typing in the name.
      3. Provide your account number and the amount you’d like to pay towards the bill.
      4. Enter your credit/debit card1 information.
      5. We’ll send you a confirmation email with the money transfer control number (MTCN) of your transaction for your records.

      Download the app

      How do I pay bills in person?

      1. Search for a nearby Western Union® agent location.
      2. Go directly to the counter and provide your phone number, the name of the company you wish to pay, and your account number.
      3. Pay with cash or a US bank-issued debit card.
      4. We’ll send you a confirmation email with the money transfer control number (MTCN) of your transaction for your records.

      Find a location

      How do I pay bills by phone?

      1. Call 1-800-634-3422 (for Spanish 1-800-325-4045) from your home phone or mobile phone number. You cannot use a pay phone.
      2. Follow the prompts to pay by phone. You’ll need the account number listed on the bill statement.
      3. Pay the bill with a credit/debit card1 issued from a bank in the United States.
      4. We’ll provide you a tracking number (MTCN). Save this as proof of payment.

      Still have questions?

      Contact our Customer Care team or visit our FAQ page for more information.

      1 If you’re using a credit card, a card-issuer cash advance fee and associated interest charges may apply. To avoid these fees or for reduced fees, use a debit card or check other payment methods.

      2 Network data as of June 30, 2020.

      * Terms and Conditions apply. Restrictions apply, see

      Send money online to 200 countries and territories with more than 500,000 Western Union agent locations.

      Services may be provided by Western Union Financial Services, Inc. NMLS# 906983 and/or Western Union International Services, LLC NMLS# 906985. These licensed companies may be verified through the NMLS Consumer Access website -

      Western Union Financial Services, Inc. and Western Union International Services, LLC are licensed as Money Transmitters by the New York State Department of Financial Services. See terms and conditions for details.

      Terms of Use
      MyCCPay Login is the easiest way to manage your credit cards and payments made from the credit card. This article is about how to use and which cards are eligible for accessing it. Total card, Inc. is the parental company helping these portals up and setting up the credit usage at its best.


      The difference between Total Cards, Inc., and MyCCPay is just as of the service provider and product provider. is the portal of paying and managing the payments of the credit cards and the Total cards, Inc. will the service through which the work will be done.

      There are many cards for people with a low or bad credit limit such as the Secured discover IT cards that will be available at the lower or bad credit score of the consumer.

      Login Official  OR  Feedback Form

      If your account is been managed by the MyCCPay then you need to look for credit cards with a lower amount of annual fee.

      MyCCPay Login / Sign in Procedure

      The procedural steps to login into the official portal

      • Search MyCCPay on your browser or directly Log in.
      • Enter your unique user ID registered with your account.
      • Enter the Password that you set with the account while registering with the portal.

      MyCCPay Official Portal

      Follow the steps to get with the account and manage all your account payments easily.

      Official CompanyTotal Card Inc
      Cards AvailableMastercard, Visa
      BenefitsSafety Features
      Toll Free No.1‐888-262-2850

      Recovering the MyCCPay Log In Password

      Follow these simple steps to recover your account password.

      • Search for My CC Pay or click on the direct link of
      • Enter your 16 digit account number without dashes.
      • Enter your 4 digits social security number.
      • Enter your zip/postal code.
      • A temporary password will be sent to your registered account Email ID with which log back in.

      Remember to change the password as soon as you log in with the help of the temporary password. Click on the menu on the top of the homepage, click on settings, go to privacy and settings, and click on change password to set a new password.

      Cards accessible on

      Cards accesible

      The following list of credit cards are the ones that can be eligible for the MyCCPay to manage payments and get the credit usage properly.

      • Access Mastercard.
      • First Access Visa card.
      • Total Visa card.
      • Emblem Mastercard.
      • New Horizon Mastercard.

      First Access Visa card

      The First access Visa card is the card available for those who have a very low limit of credit or to those who have no options but to go for the credit card in any case. So for everyone having a low credit limit choose the option of having First Access Visa card.

      The First Access Visa card comes easily available for the ones having a low credit limit but has a huge cost for applying towards it with the cost of $89.99 one time processing fee and an annual fee of services costing up to $75 (the first year costs nothing ). The immediate upgrade towards a better card would be a better option for all the consumers using this card, but this card is eligible for MyCCPay.

      Total Visa credit cards

      Total visa credit cards are also eligible for the MyCCPay portals but there is not much difference between First access visa cards and total visa cards because they are both having the least credibility limit and both have fee structured that costs a lot.

      Emblem, New horizon, and Access credit cards 

      These cards do not have a very large database of customers and reviews about them because they are the least popular of the cards amongst all cards because of customers not being happy with the service that’s being served to them. Though these cards are also eligible for the MyCCPay portal.

      Getting registered with

      To manage or get a credit limit usage of all the payments made from your credit card get registered with MyCCPay and follow these steps to get registered.

      • Search MyCCPay on your browser to register with the portal or tap on Direct registration.
      • Enter your 16 digit account number with no dashes in between the numbers.
      • Enter your 4 digits Social security number.
      • Enter your Email ID that is registered with your account.
      • A particular and unique user ID will be registered with you from the portal.

      MyCCPay New Account

      Follow these steps to get your account registered with the MyCCPay and get all the services and management of all the payments made from your credit card.

      Alternatives to high fee credit cards

      There are many credit cards available to apply for consumers who have a bad credit score and have no credit cards. Credit cards are really important these days for payment of things that cannot be paid in cash. Credit cards are used everywhere and can be used at every place, for e.g. – You want to buy something online, you will definitely need a credit card for the payment method for online payment.

      Here are a few structural steps to get an improved credit score.

      • Go to a free credit check site like credit karma.
      • Pay all your bills on time.
      • Contact the companies you owe bills or the companies that your bills due.
      • Contact the credit agency and tell them about if you have issues with your credit score.

      If the following steps carried out perfectly then you should have a determined credit score, try applying for low fee credit cards.

      FAQs About MyCCPay

      The following are some answered frequently asked questions is not accepting my card what should I do?

      As a Total cards, Inc. company service the above-mentioned cards can only be used for payment management and as of the terms no other cards will be accepted for the payment management. The cards are as following

      1. First access card
      2. New horizon visa card
      3.  Access Master card
      4.  Emblem Visa card
      5. Total Visa credit cards.

      Why is my processing fee is not lowering after I improved my credit balance?

      • For help and support from contact 1‐888-262-2850 for issues that are not resolved simply.

      Is there a way to contact the authorities about the dysfunction in the credit limits and scores?

      • Yes, you can click on the contact us option on the top of the help and support of the home page and tell them about your issues in details.

      When can I manage my payments on the portal?

      • The portal is working 24/7 so you don’t have to worry about time, you can pay whenever and wherever you want to.

      The above-mentioned is the know-about of MyCCPay login, registration and recover password and all necessary primary information to get with the management of the credit card payments and credit scores.


      Fidelity® Rewards Visa Signature® Card

      We may change APRs, fees, and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.

      1. You will earn 2 Points per dollar in eligible net purchases (net purchases are purchases minus credits and returns) that you charge. Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, refer to your Program Rules for additional information. You may not redeem Reward Points, and you will immediately lose all of your Reward Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Reward Points will not expire as long as your Account remains open. Certain transactions are not eligible for Reward Points, including Advances (as defined in the Agreement, including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Annual Fee, convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items. The 2% cash back rewards value applies only to Points redeemed for a deposit into an eligible Fidelity account. The redemption value is different if you choose to redeem your Points for other rewards such as travel options, merchandise, gift cards, and/or statement credit. Other restrictions apply. Full details appear in the Program Rules new card customers receive with their card. Establishment or ownership of a Fidelity account or other relationship with Fidelity Investments is not required to obtain a card or to be eligible to use Points to obtain any rewards offered under the program other than Fidelity Rewards.


      Because the interest and other fees charged on any outstanding balance are greater than the cash value of the rewards points, you may pay more in fees and interest than the value of the points you earn if you do not pay your bill in full each month.


      To receive a deposit, you must link your eligible Fidelity® account to your card. This can be accomplished in any of following ways. 1. You may contact Elan Financial Services Customer Service at the toll-free phone number located on the back of your credit card and provide them with your eligible Fidelity® account (s) number. 2. Simply select the “Manage Reward Points” hyperlink from the credit card snapshot page on and follow the easy steps. You may also watch a brief video that describes the linking process on the credit card snapshot page also found on Please note that automatic redemptions will occur on a monthly basis as long as you have reached the point redemption threshold of 2,500 Points.


      Eligible accounts include most nonretirement registrations as well as Traditional IRA, Roth IRA, Rollover IRA, SEP IRA, Fidelity Charitable® Giving Account®, Fidelity HSA®, and Fidelity®-managed 529 College Savings Plan accounts. The ability to contribute to an IRA or 529 college savings plan account is subject to IRS rules and specific program policies, including those on eligibility and annual and maximum contribution limits. Full details appear in the Program Guidelines new card customers receive with their card. Contributions to Fidelity Charitable® are generally eligible for a federal income tax charitable deduction. Please consult with your tax advisor. The list of eligible registration types may change without notice at Fidelity’s sole discretion. For more information about whether a particular registration is eligible, please call 1-800-FIDELITY (800-343-3548).

      5. Certain restrictions apply to each benefit. Details accompany new account materials.


      Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardmember must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.


      Cardmembers are responsible for the cost of any goods or services purchased by the Visa Signature Concierge on cardmembers’ behalf.

      8. Fidelity Rewards+ generally requires $250,000 invested through Fidelity® Wealth Services, Fidelity® Strategic Disciplines, or a combination of both registered as an individual account, a joint account, or certain types of revocable trusts. Assets in other registration types, such as irrevocable trusts, partnerships, or LLCs, will not be included when determining program eligibility. Fidelity Rewards is not offered as a component of any advisory service or program through Fidelity, including, without limitation, Fidelity® Wealth Services and Fidelity® Strategic Disciplines. While there are no program enrollment fees, eligible managed accounts are charged an advisory fee.

      The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

      Fidelity Charitable® is the brand name for Fidelity Investments® Charitable Gift Fund, an independent public charity with a donor-advised fund program. Various Fidelity companies provide services to Fidelity Charitable. The Fidelity Charitable name and logo and Fidelity are registered service marks of FMR LLC, used by Fidelity Charitable under license.

      "Giving Account" is a registered service mark of the Trustees of Fidelity® Charitable.

      Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc.

      Google, Google Pay and the Google Logo are trademarks of Google LLC.

      ©2020 Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Use only in accordance with law.

      © 2021 The Kiplinger Washington Editors. Used under License.

      Fidelity Go® provides discretionary investment management for a fee. Advisory services offered by Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services provided by National Financial Services LLC (NFS), each a member NYSE and SIPC. FPWA, FBS and NFS are Fidelity Investments companies.

      The creditor and issuer of this card is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.

      Fidelity® and Elan Financial Services are separate companies.

      Visa and Visa Signature are registered trademarks of Visa International Service Association and are used by the issuer pursuant to a license from Visa U.S.A., Inc.

      Third-party trademarks appearing herein are the property of their respective owners. All other service marks are property of FMR LLC.

      Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917


    Bank/Teller Over-the-Counter Withdrawal
    $5.00 (we waive this fee for your first Withdrawal)

    Transaction Limit Schedule6

    ATM Withdrawal Limit
    $1,000 per transaction and per day (ATM operator limits may be less)

    Point-of-Sale (POS) Transactions
    $2,500 per transaction and per day

    Bank/Teller Over-the-Counter Withdrawal
    $6,000 per transaction and per day (bank limit may be less)

    ACH Transfer to Domestic Bank
    $6,000 per transaction and per month

    Money Network Check Limit
    $9,999.99 per check and per day3

    1. The above fees do not include any fee that may be separately charged by an owner or operator of an ATM, POS terminal and/or any network used in connection with the transaction, including any surcharge imposed by an Out-of-Network ATM, Retail Load Partner, or Check Deposit partner (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer). The amount of any additional fee is established by the third party and disclosed at the ATM, POS, or via the Money Network Mobile App. Your consent to the charge must be obtained before the transaction is completed. To find participating In-Network ATMs, use the Money Network Mobile App (available on the App Store or on Google Play), visit or call Customer Service. The Money Network Mobile App and app stores (data rates apply) are not MetaBank, N.A. products or services.
    2. Approved Withdrawals at In-Network ATMs that carry the Allpoint or MoneyPass brand are at no charge. See above for fees related to ATM Balance Inquiries.
    3. There is no fee for cashing Money Network Checks at designated locations. Certain of those locations will cash Money Network Checks up to $5,000.00 per check. Other check-cashing locations may impose higher or lower limits, but one individual Money Network Check at any check cashing location, and multiple Money Network Checks in one day, may not be made payable for more than $9,999.99. To find participating locations, use the Money Network Mobile App (available on the App Store or on Google Play), visit or call Customer Service. The Money Network Mobile App, and app stores (data rates apply) are not MetaBank, N.A products or services. For more information about Money Network Checks, see Section 4 below.
    4. Your wireless carrier’s standard messaging and data rates may apply.
    5. Domestic Transactions are those originating within the 50 United States and the District of Columbia. International Transactions are those originating outside of the 50 United States and the District of Columbia.
    6. For security and regulatory reasons, we may further limit the number, type or dollar amount of transactions you may make using your Card account or suspend the use of your Card account and/ or Card. See for latest transaction limits. Third party fees may apply.

    We reserve the right to revise the Fee Schedule from time to time, and will notify you accordingly. You acknowledge that by maintaining a Card account and/or continuing to use the Services after such notification, you are thereby agreeing to any such revisions to the fees.

    2. About Your Card

    You do not have the ability to add funds to the Card. You should treat your Card with the same care as you would treat cash. Your Card account does not constitute a checking or savings account and is not connected in any way to any other account you may have. The Card is not a credit card. You will not receive any interest on the funds in your Card account. The funds in your Card account will be insured by the Federal Deposit Insurance Corporation (“FDIC”), subject to applicable limitations and restrictions of such insurance. For more information on FDIC deposit insurance limits and related conditions, please refer to the “Additional Disclosures” section at the end of this Agreement. You may access your Card via the Money Network Mobile App or Your Card will be pre-registered with limited personal information provided by the Government Agency. You may update your Card registration via the Money Network Mobile App, or at, or calling Customer Service. We encourage you to do so, so that we can send any replacement cards or checks to the correct address.

    MetaBank, N.A. will act as custodian of your funds upon our receipt of such funds from the Government Agency. Once you activate your Card, you are authorized to provide MetaBank, N.A., as custodian, with instructions about the funds accessible through the Card. Activation of the Card authorizes us to hold your funds at MetaBank, N.A. or as custodian to place your funds at one or more participating FDIC-insured banks (each a “MetaBank Program Bank”). Visit our FAQs at or call Customer Service to find the most up-to-date list of MetaBank Program Banks. If you do not agree to your funds being held by us at MetaBank, N.A. or placed by MetaBank, N.A. as custodian at a specific MetaBank Program Bank, please immediately transfer or spend all the funds on your Card (see below) or contact Customer Service above to cancel the Card and request your funds in the form of a paper check. For more information on FDIC deposit insurance limits and related conditions, please refer to the “Additional Disclosures” section at the end of this Agreement.

    3. Using Your Card

    a. Accessing Funds and Limitations
    You must activate your Card prior to use by calling the number indicated on the Card. The funds accessible to you are provided by the Government Agency not by the issuer of the card. That Government Agency is fully responsible for ensuring funds are available to be loaded to your Card. For Cards that carry more than one name, only the primary Cardholder may activate the Card.

    You may use your Card to purchase goods or services wherever Visa Debit Cards are accepted. Each time you use your Card, you authorize us to reduce the value available on your Card by the amount of the transaction.

    You may use your Card to obtain cash at an Automated Teller machine (ATM). There will be no cost to you for withdrawing cash from an in-network ATM in the United States. In-network ATMs display the Allpoint or MoneyPass brand. You can also obtain cash from certain out-of-network ATMs for the fee set out in the fee chart above. Please see above fee chart for limits.

    You may use your Card to obtain cash for the fee set out in the fee chart above by presenting it over-the-counter in banks or other financial institutions that accept cards with the logos on your Card in exchange for cash.

    Each time you use your Card, you represent and warrant to us that you are either the Cardholder or an authorized user of the Card. If you permit someone else to use your Card, we will treat this as if you have authorized such use and you will be responsible for any transactions made subject to such use. If the Card has not been registered or you do not supply the address currently on file for the Card, you may not be able to complete a transaction for which this information has been requested. If you wish to make a transaction where this is the case, you will need to contact Customer Service to register your Card.

    In no event may the Card be used to conduct illegal transactions. For security reasons, we may limit the amount or number of transactions you can make on the Card. We may refuse to process any transaction that we believe may violate the terms of this Agreement.

    b. International Transactions
    If you make a purchase in a currency or country other than in U.S. dollars or in the United States (“International Transaction”), the amount deducted from your Card account will be converted by the network or Card association that processes the transaction into an amount in U.S. dollars. The rate they choose is either: (i) selected from the range of rates available in wholesale currency markets (which may vary from the rate the association itself receives), or (ii) the government-mandated rate in effect for the applicable central processing date. The conversion rate selected by the network is independent of any fee that we charge as compensation for our services. You will be charged a fee for International Transactions in U.S. dollars as disclosed in the Long Form fee schedule below. If the International Transaction results in a credit due to return, we will not refund any fee that may have been charged on your original purchase.

    c. Personal Identification Number (“PIN”)
    To set or change a PIN, please call Customer Service or refer to for instructions. Never share your PIN with anyone and do not enter your PIN into any terminal that appears to be modified or suspicious. If you believe that there has been unauthorized access to your PIN, you should advise us immediately, following the procedures in the section labeled “Unauthorized Transactions.”

    d. Obtaining Card Balance Information
    You should keep track of the amount of value loaded on Cards issued to you. You may obtain information about the amount of money you have remaining in your Card account by calling Customer Service. This information, along with a 12-month history of account transactions, is also available online at You also have the right to obtain at least 24 months of written history of account transactions by calling Customer Service, or by writing us at 2900 Westside Parkway, Alpharetta, GA 30004. You will not be charged a fee for this information unless you request it more than once per month.

    e. Authorization Holds
    You do not have the right to stop payment on any purchase transaction originated by use of your Card. With certain types of purchases (such as those made at restaurants, hotels, or similar purchases), your Card may be “preauthorized” for an amount greater than the transaction amount to cover gratuity or incidental expenses. Any preauthorization amount will place a “hold” on your available funds until the merchant sends us the final payment amount of your purchase. During this time, you will not have access to preauthorized amounts. Once the final payment amount is received, the preauthorization amount on hold will be removed. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds.

    f. Preauthorized Transfers
    Preauthorized recurring debits and/or transfers are not available on your Card.

    g. Returns and Refunds
    If you are entitled to a refund for any reason for goods or services obtained with your Card, the return and refund will be handled by the merchant. If the merchant credits your Card, the credit may not be immediately available. While merchant refunds are posted to your Card account as soon as they are received, we have no control over when a merchant sends a credit for the refund transaction and the refund may not be available for a number of days after the date the refund transaction occurs.

    h. Receipts
    You may wish to retain receipts as a record of transactions. Receipts will be required if you need to verify a transaction.

    i. Split Transactions and other uses
    If you do not have enough funds available in your Card account, you can instruct the merchant to charge a part of the purchase to the Card and pay the remaining amount with another form of payment. These are called “split transactions.” Some merchants do not allow cardholders to conduct split transactions. Some merchants will only allow you to do a split transaction if you pay the remaining amount in cash.

    If you use your Card number without presenting your Card (such as for an internet transaction, a mail order or a telephone purchase), the legal effect will be the same as if you used the Card itself.

    YOU ARE NOT ALLOWED TO EXCEED THE BALANCE OF THE FUNDS AVAILABLE ON YOUR CARD. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction exceeds the balance of the funds available in your Card account, you shall remain fully liable to us for the amount of the transaction and agree to pay us promptly for the negative balance. We also reserve the right to cancel this Card and close your Card account should you create one or more negative balances with your Card.

    4. Money Network Checks

    In addition to using your Card, you may choose to access the funds in your Card account by completing a Money Network Check. To order Money Network Checks or for additional questions regarding Money Network Checks, please contact Customer Service. To use a Money Network Check, contact Customer Service and use the Interactive Voice Response Unit (“IVRU”), an automated phone system. The IVRU process requires you to enter the number on your Card in order to access your funds with a Money Network Check. Even if you choose not to use the Card, you will need to keep your Card number in order to use the Money Network Checks. The amount of the Money Network Check you authorize using the IVRU will be electronically debited against your Card account immediately. Please note that once you complete a Money Network Check with a transaction number, that Money Network Check is valid for the amount authorized and could be cashed or negotiated by anyone who has possession of the Money Network Check. You should carefully safeguard any Money Network Check for which you have received a transaction number. To learn how to cancel a Money Network Check after it has been authorized and receive credit to your Card account, please contact Customer Service. If an authorized Money Network Check is not cashed or deposited within 180 days after the date it is authorized, the Money Network Check will be canceled and the funds credited to your Card account.

    5. Replacement Card; Check

    Your Card will be funded upon activation of your Card. After your Card has been funded, your funds do not expire. The "valid thru" date indicated on the front of your Card is not an expiration date of funds, but is intended primarily for fraud protection purposes and also permits your Card to be used with certain Internet or mail/telephone order merchants. After the "valid thru" date, your Card will no longer function. If you have not activated the Card by the “valid thru” date indicated on the front of the Card, you may contact the Government Agency to see if you are still eligible to receive funds through an alternative payment method. . If you have activated your Card and funds remain on your Card at time of expiration you may call the Customer Service number listed on your Card and request a check. If your Card is lost or stolen prior to the expiration date, you may call Customer Service to request a replacement card. Upon contacting us for any lost/stolen card, your funds will be temporarily unavailable until you activate your replacement Card.

    6. Business Days

    For purposes of these disclosures, our business days are Monday through Friday excluding holidays.

    7. Lost or Stolen Cards; Unauthorized Transactions

    a. Contact Customer Service Immediately
    If you believe your Card or PIN has been lost or stolen, contact Customer Service. You should also call or write to Customer Service if you believe a transfer has been made using the information from your Card or PIN without your permission.

    b. Your Liability for Unauthorized Transfers
    Tell us AT ONCE if you believe your Card or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission. Calling Customer Service is the best way of keeping your possible losses down. You could lose all the money in your Card account. If you tell us within 2 business days after you learn of the loss or theft of your Card or PIN, you can lose no more than $50 if someone used your Card or PIN without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your Card or PIN, and we can prove we could have stopped someone from using your Card or PIN without your permission if you had told us within those 2 business days, you could lose as much as $500. Also, if your electronic history shows transfers that you did not make, including those made by your Card or other means, tell us at once. If you do not tell us within 60 days after the earlier of the date you electronically accessed your Card account (if the unauthorized transfer could be viewed in your electronic history), or the date we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods for a reasonable period.

    c. In case of errors or questions about your Electronic Transfers
    In Case of Errors or Questions About Your Card Account, call Customer Service or write us at 2900 Westside Parkway, Alpharetta, GA 30004 as soon as you can. If you think an error has occurred in your Card account, we will allow you to report an error until 60 days after the earlier of the date you electronically access your Card account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling Customer Service or writing us at 2900 Westside Parkway, Alpharetta, GA 30004
    • your name and Card account number;
    • why you believe there is an error;
    • the dollar amount involved; and
    • approximately when the error took place.
    If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days from the day we first heard from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your Card account within 10 business days from the day we first heard from you for the amount you think is in error, so that you will have the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days from the date of our request, we may not credit your Card account. For errors involving new Card accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new Card accounts, we may take up to 20 business days to credit your Card account for the amount you think is in error. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution procedures, call Customer Service.

    d. Your Liability for Unauthorized Visa Transactions
    Under Visa’s Zero Liability Policy, your liability for unauthorized transactions on your Card account is $0.00 if you are not grossly negligent or fraudulent in the handling of your Card. These provisions limiting your liability do not apply to debit transactions not processed by Visa or foreign ATM withdrawals.

    8. Confidentiality

    We may disclose information to third parties about your Card account or the transactions you make:

    1. Where it is necessary for completing transactions;
    2. In order to verify the existence and condition of your Card account for a third party, such as merchant;
    3. In order to comply with government agency or court orders, or other legal reporting requirements;
    4. If you give us your written permission; or
    5. To our employees, auditors, affiliates, service providers, or attorneys as needed.

    9. Our Liability for Failure to Complete Transactions

    If we do not complete a transaction to or from your Card account on time or in the correct amount according to our Agreement with you, we will be liable for your losses and damages proximately caused by us. However, there are some exceptions. We will not be liable, for instance:

    1. If, through no fault of ours, you do not have enough funds available in your Card account to complete the transaction;
    2. If a merchant refuses to accept your Card;
    3. If an ATM where you are making a cash withdrawal does not have enough cash;
    4. If an electronic terminal where you are making a transaction does not operate properly and you knew about the problem when you initiated the transaction;
    5. If access to your Card has been blocked after you reported your Card or PIN lost or stolen;
    6. If there is a hold or your funds are subject to legal process or other encumbrance restricting their use;
    7. If we have reason to believe the requested transaction is unauthorized;
    8. If circumstances beyond our control (such as fire, flood or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we have taken;
    9. Any other exception stated in our Agreement with you.

    10. Change of Address

    You are responsible for notifying us immediately upon any change to your address. If your address changes to a non-U.S. address, we may cancel your Card and return funds to you in accordance with this Agreement.

    11. Other Terms

    The Card and your obligations under this Agreement may not be assigned. We may transfer our rights under this Agreement. Use of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. We do not waive our rights by delaying or failing to exercise them at any time (for example, assessing a fee less than described, or not all, for any reason does not waive our right to begin charging the fee as set forth in this Agreement without notice). If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected. This Agreement will be governed by the law of the state of South Dakota except to the extent governed by federal law. Should your Card have a remaining balance after a certain period of time, we may be required to remit the remaining funds to the appropriate state agency.

    12. Amendment; Cancellation; Termination

    We may amend or change the terms of this Agreement at any time, subject to applicable law. You will be notified of any change in the manner required by applicable law prior. However, if the change is made for security purposes, we can implement such change without prior notice. You may close your Card account at any time by contacting Customer Service. Your termination of this Agreement will not affect any of our rights or your obligations arising under this Agreement prior to termination. Our obligations to you under this Agreement terminate upon your use of the all the funds on the Card.

    13. Telephone Monitoring/Recording

    We may monitor and/or record telephone calls between you and us to assure the quality of our customer service or as required byapplicable law.

    14. English Language Controls

    Translations of this Agreement that may have been provided are for your convenience only and may not accurately reflect the original English meaning. The meanings of terms, conditions, and representations herein are subject to definitions and interpretations in the English language.

    15. Waiver Of Right To Trial By Jury


    16. Arbitration Clause

    We have put this Arbitration Clause in question and answer form to make it easier to follow. However, this Arbitration Clause is part of this Agreement and is legally binding.

    What is arbitration?

    Short Answer: An alternative to court

    Further Detail: In arbitration, a third party arbitrator (“Arbitrator”) solves Disputes in an informal hearing.

    Is it different from court and jury trials?

    Short Answer: Yes

    Further Detail: The hearing is private. There is no jury. It is usually less formal, faster and less expensive than a lawsuit. Pre-hearing fact finding is limited. Appeals are limited. Courts rarely overturn arbitration awards.

    Can you opt-out of this Arbitration Clause?

    Short Answer: Yes, within 60 days

    Further Detail: If you do not want this Arbitration Clause to apply, you must send us a signed notice within 60 calendar days after you receive the Card. You must send the notice in writing (and not electronically) to our Notice Address. Provide your name, address and Card account number. State that you “opt out” of the Arbitration Clause.

    What is this Arbitration Clause about?

    Short Answer: The parties' agreement to arbitrate Disputes

    Further Detail: Unless prohibited by applicable law and unless you opt out, you and we agree that you or we may elect to arbitrate or require arbitration of any "Dispute" as defined below.

    Who does the Arbitration Clause cover?

    Short Answer: You, us and certain "Related Parties"

    Further Detail: This Arbitration Clause governs you and us. It also covers certain "Related Parties": (1) our parents, subsidiaries and affiliates; (2) our employees, directors, officers, shareholders, members and representatives; and (3) any person or company that is involved in a Dispute you pursue at the same time you pursue a related Dispute with us.

    What Disputes does the Arbitration Clause cover?

    Short Answer: All Disputes (except certain Disputes about this Arbitration Clause)

    Further Detail: This Arbitration Clause governs all “Disputes” that would usually be decided in court and are between us (or any Related Party) and you. In this Arbitration Clause, the word “Disputes” has the broadest reasonable meaning. It includes all claims even indirectly related to your Card or this Agreement. It includes claims related to the validity in general of this Agreement. However, it does not include disputes about the validity, coverage or scope of this Arbitration Clause or any part of this Arbitration Clause. (This includes a Dispute about the rule against class arbitration.) All such disputes are for a court and not an Arbitrator to decide.

    Who handles the arbitration?

    Short Answer:Usually AAA or JAMS

    Further Detail:Arbitrations are conducted under this Arbitration Clause and the rules of the arbitration administrator in effect when the arbitration is started. However, arbitration rules that conflict with this Arbitration Clause do not apply. The arbitration administrator will be either:
    • The American Arbitration Association ("AAA"), 1633 Broadway, 10th Floor, New York, NY 10019,
    • JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018,
    • Any other company picked by agreement of the parties.
    If all the above options are unavailable, a court will pick the administrator. No arbitration may be administered without our consent by any administrator that would permit a class arbitration under this Arbitration Clause. The arbitrator will be selected under the administrator's rules. However, the arbitrator must be a lawyer with at least ten years of experience or a retired judge unless you and we otherwise agree.

    Can Disputes be litigated?

    Short Answer: Sometimes

    Further Detail: Either party may bring a lawsuit if the other party does not demand arbitration. We will not demand arbitration of any lawsuit you bring as an individual action in small-claims court. However, we may demand arbitration of any appeal of a small-claims decision or any small-claims action brought on a class basis.

    Are you giving up any rights?

    Short Answer:Yes

    Further Detail:For Disputes subject to this Arbitration Clause, you give up your right to:
    1. Have juries decide Disputes.
    2. Have courts, other than small-claims courts, decide Disputes.
    3. Serve as a private attorney general or in a representative capacity.
    4. Join a Dispute you have with a dispute by other consumers.
    5. Bring or be a class member in a class action or class arbitration.
    We also give up the right to a jury trial and to have courts decide Disputes you wish to arbitrate.

    Can you or another consumer start a class arbitration?

    Short Answer: Yes

    Further Detail:The Arbitrator is not allowed to handle any Dispute on a class or representative basis. All Disputes subject to this Arbitration Clause must be decided in an individual arbitration or an individual small-claims action. This Arbitration Clause will be void if a court rules that the Arbitrator can decide a Dispute on a class basis and the court's ruling is not reversed on appeal.

    What law applies?

    Short Answer: The Federal Arbitration Act (“FAA”)

    Further Detail: This Agreement and the Cards involve interstate commerce. Thus, the FAA governs this Arbitration Clause. The Arbitrator must apply substantive law consistent with the FAA. The Arbitrator must honor statutes of limitation and privilege rights. Punitive damages are governed by the constitutional standards that apply in judicial proceedings.

    Will anything I do make this Arbitration Clause ineffective?

    Short Answer: No

    Further Detail: This Arbitration Clause stays in force even if: (1) you or we end this Agreement; or (2) we transfer or assign our rights under this Agreement.


    What must a party do before starting a lawsuit or arbitration?

    Short Answer: Send a written Dispute notice and work to resolve the Dispute

    Further Detail: Before starting a lawsuit or arbitration, the complaining party must give the other party written notice of the Dispute. The notice must explain in reasonable detail the nature of the Dispute and any supporting facts. If you are the complaining party, you must send the notice in writing (and not electronically) to our Notice Address. You or an attorney you have personally hired must sign the notice and must provide the Card number and a phone number where you (or your attorney) can be reached. A letter from us to you will serve as our written notice of a Dispute. Once a Dispute notice is sent, the complaining party must give the other party a reasonable opportunity over the next 30 days to resolve the Dispute on an individual basis.

    How does an arbitration start?

    Short Answer: Mailing a notice

    Further Detail: If the parties do not reach an agreement to resolve the Dispute within 30 days after notice of the Dispute is received, the complaining party may begin a lawsuit or an arbitration, subject to the terms of this Arbitration Clause. To start an arbitration, the complaining party picks the administrator and follows the administrator's rules. If one party begins or threatens a lawsuit, the other party can demand arbitration. This demand can be made in court papers. It can be made if a party begins a lawsuit on an individual basis and then tries to pursue a class action. Once an arbitration demand is made, no lawsuit can be brought and any existing lawsuit must stop.

    Will any hearing be held nearby?

    Short Answer: Yes

    Further Detail: The Arbitrator may decide that an in-person hearing is unnecessary and that he or she can resolve a Dispute based on written filings and/or a conference call. However, any in-person arbitration hearing must be held at a place reasonably convenient to you.

    What about appeals?

    Short Answer: Very limited

    Further Detail: Appeal rights under the FAA are very limited. The Arbitrator’s award will be final and binding. Any appropriate court may enter judgment upon the arbitrator's award.

    Arbitration Fees and Awards

    Who bears arbitration fees?

    Short Answer: Usually, we do.

    Further Detail: We will pay all filing, administrative, hearing and Arbitrator fees if you act in good faith, cannot get a waiver of such fees and ask us to pay.

    When will we cover your legal fees and costs?

    Short Answer: If you win

    Further Detail: If you win an arbitration, we will pay the reasonable fees and costs for your attorneys, experts and witnesses. We will also pay these amounts if required under applicable law or the administrator's rules or if payment is required to enforce this Arbitration Clause. The Arbitrator shall not limit his or her award of these amounts because your Dispute is for a small amount.

    Will you ever owe us for arbitration or attorneys' fees?

    Short Answer: Only for bad faith

    Further Detail: The Arbitrator can require you to pay our fees if (and only if): (1) the Arbitrator finds that you have acted in bad faith (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)); and (2) this power does not make this Arbitration Clause invalid.

    Can an award be explained?

    Short Answer: Yes

    Further Detail: A party may request details from the Arbitrator, within 14 days of the ruling. Upon such request, the Arbitrator will explain the ruling in writing.

    This Card is issued by MetaBank, National Association, Member FDIC, pursuant to a license from Visa U.S.A. Inc.
    5501 S. Broadband Lane Sioux Falls, SD 57108

    1.800.240.8100 (Hearing Impaired: 800-241-9100)

    Google Play and the Google Play logo are trademarks of Google LLC. Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries and regions. App Store is a service mark of Apple Inc.

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