Frequently Asked Questions

Frequently Asked Questions for the Travel EMV Card Prepaid MasterCard®

 

What is an EMV card and authentication?
EMV, also known as Chip & PIN, is an international standard replacing the magnetic stripe on bank cards used for payment transactions. The card can be used with a magnetic stripe or the chip, ensuring that both US and non-US merchants will be capable of accepting the card.  EMV PIN transactions are more secure than those requiring a signature, and protect you against fraud.[back to top]

 

Is my Travel card the same as a credit card?
No, your card is not a credit card with a line of credit. Only use your card for a transaction amount that will be covered by the amount you have available on your card.  You can make a partial payment to use the funds you have on the card if the merchant will support a split payment.  Tell the  merchant the amount available on the card so they can process the transaction only for that amount you indicate and they will collect the balance from you by another means of payment.[back to top]

 

Is my Travel card like a debit card?
Yes and no.  Like a debit card, you can use the card at participating merchants that accept Debit MasterCard.  Also, you can spend only the funds available.  Do not attempt a transaction that exceeds the balance on your card.  You can utilize the remaining balance on your card towards a purchase and pay the difference with another form of payment. However, unlike a debit card, a checking account is not linked to the card.[back to top]

 

How do I activate my card?
You may activate your Card by calling 1-855-898-0087.   You will need to provide your Card number and the last four (4) digits of your Social Security number for verification of your identity.[back to top]

 

Where can I use my card?
Your card can be used in most scenarios where a merchant accepts Debit MasterCard, including some internet and mail order purchases.  You can use the card at terminals that read the magnetic stripe on the back of the card, and at terminals that read the Chip embedded on the front of your card.  Presently, the Chip terminals are predominately in the international markets.  However, note that some unattended kiosk terminals outside the U.S. such as luggage cart rentals, parking garages, even transit terminals may decline your Travel EMV Card due to the way the authorization is sent.[back to top]

 

How do I use my card at a Chip terminal outside of the U.S.?
The merchant will insert your card into the Chip reader and you will be required to enter your PIN.  This will authorize your transaction the same as using your PIN at a swipe terminal and entering your PIN at U.S. merchant locations.  Note that some unattended kiosk terminals outside the U.S. such as luggage cart rentals, parking garages, even transit terminals may decline your Travel EMV Card due to the way the authorization is sent. [back to top]

 

How do I add funds to my card?
Funds can be loaded onto the card by visiting any branch of the financial institution where your card was purchased. Via the Internet, access www.PpdTravelEMV.com and login.  Select the menu option to transfer funds from one of your existing registered funding accounts.  You may also visit a retail location nationwide to load via the Green Dot® Money Pak®.1 
1Fees may be assessed by the retailer in addition to your card fees.[back to top]

 

Are there fees associated with my card?
Yes, please read the Cardholder Agreement for all applicable fees. This document was provided along with the Travel EMV card and is also available on the cardholder website.[back to top]

 

Will I be assessed a fee for using my card at participating merchants?
No, you will not be charged a fee for making a purchase.[back to top]

 

Will I be assessed a fee at an ATM?
Yes, you will be charged a fee for ATM withdrawals and for balance inquiries domestically and internationally. There may be additional fees assessed by the owner of the ATM. Please refer to the fee schedule in the Cardholder Agreement for applicable charges.[back to top]

 

Can I make purchases on the Internet with my card?
Yes, you can make purchases on the Internet with your card up to the amount of available funds on the card.[back to top]

 

How do I know what I have spent or have available?
You can get your balance anytime by accessing www.PpdTravelEMV.com or by calling the number on the back of your card.[back to top]

 

What if I have a question or problem – such as the card not working or being lost or stolen?
Call our toll free number, 1-855-898-0087 any time and follow the recorded instructions. You may also speak to a live agent, if preferred. Refer to the fee schedule for applicable charges.[back to top]

 

How can I check the available balance on my card?
Your available balance can be obtained by logging into the website www.PpdTravelEMV.com. You may also call the number on the back of your card and follow the IVR prompts for automated account information.[back to top]

 

How can I track my spending?
You can view card transaction history in two ways. You can log in to the website www.PpdTravelEMV.com or call the toll-free number on the back of your card and follow the IVR prompts for automated account information.[back to top]

 

How do I get my PIN?
Your PIN is assigned when your card is created and you can only obtain it by calling the toll-free number on the back of your card. Once you are authenticated in the IVR with your social security number, choose the option to "Hear PIN".[back to top]

 

What if my PIN is not working?
It is possible you have forgotten your PIN. Do not make more than 3 attempts if you receive a 'bad PIN' error at the terminal. If you lock your PIN, it will lock the Chip located on the front of your card, and you will no longer be able to use it at Chip terminals outside of the U.S. If you receive the 'bad PIN' error, call the customer service number on the back of your card and choose the option to "Hear PIN" to avoid blocking your PIN.[back to top]

 

How do I change my PIN?
To maintain the security of your Chip-enabled card, the PIN can only be changed at an ATM that supports PIN unblock and PIN change functionality. This is typically a function at ATM's outside of the U.S. where the Chip and PIN product is predominately utilized. The PIN originally assigned to the card will remain your assigned PIN unless you perform a change as described, or you are issued a replacement card, which will come with a new PIN.[back to top]

 

Can I use my card to make a purchase that is larger than the balance on my card?
No, but you can utilize the remaining balance on your card towards a purchase and pay the difference with another form of payment. Always check the balance of your card before making a purchase and check with the merchant to make sure they can split the payment if there are not enough funds on the card.[back to top]

 

May I let someone use my card?
If you permit another person to have access to your Card or Card number, we will treat this as if you have authorized such use and you will be liable for all transactions and fees incurred by those persons. You are wholly responsible for the use of the Card according to the terms and conditions of this Agreement. You may not request an additional Card for another person. Each family member must have their own Card Account.[back to top]

 

Can my card be replaced if it is lost or stolen?
Yes, your card can be replaced and the outstanding balance replaced by calling the toll free number for customer service, or you may visit a branch of the financial institution that provided your card. Refer to the fee schedule for applicable charges.[back to top]

 

Is there a limit as to how much value the Travel Card can have?
Yes. You can load the card an unlimited number of times.  The maximum value on the card at any point in time is $5,000.[back to top]

 

How do I find an ATM when I travel - especially overseas?
Visit the below links for ATM locations:
MasterCard: http://www.mastercard.com/us/personal/en/cardholderservices/atmlocations/index.html
NYCE:            http://www.nyce.net/ATM/index.htm
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What is the exchange rate when I get to another country?
The exchange rate is determined by the rate of exchange on the date of purchase. Using your Traveler card at an ATM can be less expensive than using a currency exchange to get foreign currency. Refer to the fee table in the Cardholder Agreement for any applicable fees on foreign transactions.[back to top]

 

When I travel, are my receipts in U.S. dollars or the local currency?
Your receipt will reflect the local currency. It is always good to plan ahead and have a general idea of what the local exchange rates are before you travel. This helps you to understand what goods and services are actually costing you.[back to top]