Prepaid MasterCard Card Tutorial
Is the MasterCard Card a credit or debit card?
The Prepaid MasterCard Card is a debit card that is used like a credit 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
Payments Account "Available Balance." Since it is not a credit card, the card may
not be used for an amount above your ProPay Payments Account "Available Balance." If
the card does happen to charge an amount above your "Available Balance," you
will be responsible for any negative balance in your Account.
You may withdraw up to your full "Account Balance," or $1000 in cash per day, whichever is less at participating
ATM's worldwide. With over 900,000 ATM's in over 120 countries, you are never far from an ATM. Simply look for an ATM displaying the Cirrus or MasterCard logos (displayed 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 CANNOT 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
- Internet Gambling or Casinos
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
Payments 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 Prepaid MasterCard Card is active and your ProPay Payments Account has a sufficient "Available
Balance" to accommodate transactions. Temporary authorizations may not be
disputed until they have settled. Learn more about temporary