Prepaid MasterCard Card Tutorial
Card Limitations
Is the MasterCard Card a credit or debit card?
The Prepaid MasterCard Card is technically neither a credit card nor a traditional
debit card. It is a Prepaid MasterCard Card that is used like a credit
card but acts like a debit card. Because of this subtle difference there
are some slight limitations on how the card can be used.
Details on where you CAN use the card:
Generally, you can use the Prepaid MasterCard Card at locations where MasterCard
Debit Cards are accepted. You will only be able to charge up to the amount in your ProPay
Account "Available Balance." Since it is not a credit card, the card may
not be used for an amount above your ProPay Account "Available Balance." If
the card does happen to charge an amount above your "Available Balance," you
will be responsible for any negative balance on your card.
You may withdraw up to your full "Account Balance," or $400 in cash per day, whichever is less at participating
ATM's worldwide. With over 900,000 ATMS's in over 120 countries, you're never far from an ATM. Simply look for an ATM displaying the Cirrus logo (displayed
on the left side of this page and on the back of your card). The ATM owner
or operator may assess additional transaction fees, which should be posted
on the ATM or ATM screen.
Details on where you CAN'T use the card:
The card may not be used for certain transactions. Examples of these transactions
include but are not limited to:
- Pay at the pump gasoline
- Reserving or placing items on hold
Although the card will not work properly at the pump, you may buy gasoline with
your card by paying for it inside. There may also be other businesses in which
problems could arise. In such cases you may not be able to use your Prepaid MasterCard Card.
Withdrawal and Purchase Limits
You may only withdrawal or purchase amounts less than or equal to your ProPay
Account "Available Balance." For your protection, if an unusual amount of
activity or transactions take place in a short period of time, you may receive
a call from ProPay to investigate the behavior.
Temporary MasterCard Authorizations
A temporary authorization transaction is the result of a merchant requesting
to confirm that your linked Prepaid MasterCard Card is active and has a sufficient "Available
Balance" to accommodate transactions. Temporary authorizations may not be
disputed until they have settled. Learn more about temporary
authorizations.
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