Frequently Asked Questions

Top Questions

1. What is the GiftCards.com Visa Reward Card?
   It is a prepaid Visa debit card that can be used at millions of locations worldwide where Visa debit cards are accepted. Although this is a prepaid debit card, all transactions are run as credit. We have three types of prepaid cards available which can be personalized and customized to your needs.
   
2. When can I expect to receive my prepaid cards?
   Once payment is received and cleared and you have signed the corporate bulk order agreement, then the cards are processed and shipped via FedEx, which typically takes two days from processing. We suggest wire transfers for large purchases; this option will expedite the order processing and ensures that you receive your cards in a quick and efficient manner.
   
3. What are the costs per card for a GiftCards.com Visa Gift Card?
   The standard rates for our prepaid cards are as follows. However, our pricing may be customized based on your quantity need and program details.

   Shipping Type	For Card Values $25.00 - $74.99	For Card Values $75.00 - $249.99	For Card Values $250.00 - $500.00
   Credit Card	$4.95	$5.95	$6.95
   Check or Wire	$3.95	$3.95	$3.95

   
   When a credit card is used, there is a 3% surcharge on each card purchased with an initial load value of $150 or more.
   A $21.95 shipping and handling fee is applied to each order up to 500 cards being shipped via FedEx. For orders of more than 500 cards, an additional $21.95 shipping and handling fee is applied for every 500 cards. For shipping directly to each recipient, there is a $0.44 fee per card for First Class US Mail.
4. What form of payment is accepted to purchase from GiftCardsCorp.com?
   We accept Visa, MasterCard, AMEX, check, and wire/ACH. Please note when paying with a check, we wait 7 business days from the date the check was deposited into our account until we can process the order. Wire transfer is recommended for corporate clients for faster turnaround. Once the funds hit our account and the corporate agreement is signed and faxed back to GiftCardsCorp.com, the order can be processed and shipped out immediately.
5. Is there a minimum or maximum order amount?
   No, we handle all sizes. By offering in-house printing, we have the ability to print cards on-demand. This opens the doors to more flexible options when it comes to your order.
6. What is the expiration date on the Visa Prepaid Cards?
   The default expiration date is 6 months; however, we have certain programs where the expiration date can vary based on your program needs.
7. Is there an additional charge for a personalized message on the Visa Card?
   No, there are two lines of embossed text that you can personalize for free. This is typically where a person's name is displayed on a credit card.
8. Are there fees to the card recipient associated with the card?
   For our standard programs, yes. We can also create programs with no fees or have those fees passed on to the purchaser. The cardholder MAY incur one of the below fees.
   Transaction Fee: This is charged to the card holder each time they use the card to complete a Visa transaction. The fee is based on the card type selected during purchase.
   Replacement Cards: $5.00 If a card holder requests a new card, a $5.00 fee is assessed to the balance of the card provided that the card has over $25.00 remaining. If the card has less than $25, the balance will be refunded and the card will be charged $7.00.
   ATM Gift Cards: If you have purchased an ATM accessible card with a PIN, there is a $0.50 fee for every PIN-based transaction. A $0.35 fee is assessed for each signature-based transaction. A $3.25 fee will be assessed to the card for each domestic ATM withdrawal and $5.00 for each international ATM withdrawal. For each ATM balance inquiry, a $1.00 fee will be assessed to the card.
   Foreign Visa Purchase $2.00 + 3.0% of the purchase price: This fee is charged when the card holder makes a purchase outside the United States at any Merchant whom accepts Visa.
   
9. What are some of the usage facts and limitations on the Visa Prepaid Card?
   Bank issued prepaid cards (i.e. Visa, Master Card, Discover & American Express) operate much differently than a merchant gift card, such as a Best Buy or a Target gift card. The reason for this is that most merchants that accept Visa, Master Card, etc. have different POS (Point Of Sale) systems and rules around their ordering process. Below are just a few bullet points for your reference on the usage and facts about the Visa Prepaid Cards:
   1. Each transaction should be processed as a credit when used at a merchant's location. Some cashiers may not know this and try to run it as a debit card which will not work since there is no PIN number associated with each card.
   2. Generally, the transaction cannot be run for more than the value remaining on the card. For instance, if one of your recipients tries to charge $35 to the card, but only has $20 remaining on the card, the merchant may decline the transaction. They can still use the card to pay for $20 of the transaction, but they'll need to specify to the merchant that it should only be charged for $20 and they will pay the remaining balance with another method.
   3. Restaurants, gas stations, car rental companies, cruise lines, hotels, and other services may authorize an amount greater than the purchase amount , which could result in a decline if the amount is greater than the value of the card. For instance, some restaurants have their POS systems programmed to hold 20% above the transaction amount in case the card holder wants to leave a tip. If the card holder does not leave a tip or pays the tip in cash, that 20% will be put back on the card typically within 5 business days.
   4. Gas stations will automatically pre-authorize the card for $75 when paying at the pump. That means you must have at least a $75 balance to pay for gas at the pump. To avoid confusion, it is recommended that the card holder go inside and tell the merchant how much to run the card for before pumping.
   5. If the card holder has a merchant run the card and it is either declined due to the transaction amount being greater than the amount on the card or the card holder decides they want to cancel the purchase, the merchant's system may have already captured the funds from the card and they will need to be put back on the card later. This typically takes 4-5 business days because the merchantÕs bank needs to reissue the money to our bank before we can add it back to the card.
10. Can I have GiftCardsCorp.com directly ship the cards internationally?
    No. Our Visa debit cards can only be shipped to U.S. addresses and to U.S. residents.
11. How are the cards activated?
    All cards are sent inactive for security purposes. We offer multiple ways to activate the cards upon receipt. You can provide the card recipient with a 4-digit activation code which they can use to activate the cards (1) over the phone or (2) online at GiftCards.com. You also have the option to mass activate your order by contacting your account executive or logging into your account. You can also waive the activation code by logging into your account and selecting that option.

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Shipping and Delivery

1. When does the recipient receive the card?
   Typically, all cards are mailed the next business day provided that the purchase is verified with the bank, with the purchaser, and the order is placed before 4:30 PM ET.
   Orders that are bulk shipped are sent via FedEx next business day. Typically, if the gift card is less than $250 and the purchaser would like the card sent to the recipient via USPS, the recipient should receive the gift card within 7-10 business days after the order was placed. with a value greater than or equal to $250 we recommend having them sent directly to your business. The card is delivered with a carrier that includes information on who sent the card, the greeting message, and the card value amount. The Policy Disclosure and Terms and Conditions are also included and can be found on the back of the carrier. The Terms & Conditions MUST be included with the card when handing them out to recipients.
2. Can you deliver orders outside of the United States?
   GiftCards.com does not offer delivery outside of the United States. In addition, we do not deliver to APO addresses or accept orders with non-U.S. billing addresses.
3. What are the shipping options?
   Typically, corporations will have the cards shipped directly to them. However, we can have the cards shipped directly to the recipient or a specific location.
4. Can you ship the card to a P.O. Box or APO address?
   No, cards are not shipped to P.O. Box addresses or APO addresses. You need to have a specific street address for shipping.
5. Can I obtain a refund on shipping/handling?
   No. We do not offer any refunds on shipping or handling. Once you place your order, you are agreeing to our Terms and Conditions, which clearly state that GiftCardsCorp.com does not refund on shipping or handling of the gift card.
6. Does someone need to sign for Standard Overnight delivery by FedEx?
   Yes, FedEx requires a signature for Standard Overnight delivery.
7. How long does it typically take for a refund to be issued?
   Refunds are only available to purchases made within 60-days. There is a fee of $7.00 per card to have the funds removed and a refund check provided. Typically refund checks are sent out within 60 days of the refund request, or the funds can be placed back into your account for future purchases.

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ATM Gift Card

1. What are the requirements to order an ATM prepaid card?
   ATM cards are ONLY available to clients who have an approved CoBrand card with GiftCards.com. In order to comply with government and bank regulations, in order for the recipient to use the card at an ATM, they are required to register the card on GiftCards.com and provide their name, address, date of birth, and social security number. Once registered, the PIN number will be displayed. If a cardholder chooses to not provide this information, their card will be activated, but for standard debit purchases only.
2. Is there a fee per transaction when using my GiftCards.com ATM Visa Gift Card?
   Yes, a $0.35 fee is assessed to your gift card upon each signature-based transaction. There is a $0.50 fee for each PIN-based transaction. A $3.25 fee will be assessed to the card for each domestic ATM withdrawal and $5.00 for each international ATM withdrawal. For each ATM balance inquiry, a $1.00 fee will be assessed to the card.
3. Does my GiftCards.com ATM Visa debit card have a PIN?
   Yes, once card recipients register their ATM card online at GiftCards.com their ATM PIN code will be provided. We cannot provide their PIN over the phone or to the purchaser at anytime.
4. How much cash can be withdrawn from an ATM when using the GiftCards.com ATM Visa Card?
   Card holders may withdrawal up to $150 per day using the GiftCards.com Visa ATM Prepaid Card. Funds cannot be withdrawn beyond the available balance.
5. Can my recipients check their remaining balance on their card?
   Yes. They can check their balance toll free at 1-877-944-3822 or online at www.giftcards.com for no charge. Also, you can check the balance at an ATM for a $1.00 fee.

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Corporate Solutions

1. Can our corporation resell your Visa Prepaid Cards?
   No, not directly to consumers, however, we can create a private label shopping cart for your company. This allows people to purchase a Visa Prepaid Card with your logo or personalized message directly from your website.
2. Do you offer a gift card platform for online prepaid card programs only?
   Yes. Through Create A Card, we provide what is called a "Closed Loop Online" system which enables you to offer your own branded gift cards directly through your website, keeping the traffic on your site. The result is increased sales and brand marketing. The cost and time to set a program up such as this is very reasonable and takes a short period of time to customize the platform to meet your needs.
3. Do you offer reloadable prepaid cards?
   Yes, but only for approved CoBrand card programs. We require that the recipient's name be displayed on the card. In addition, each cardholder is required to register their card on GiftCards.com by verifying personal information before reload access is available.
4. Can the prepaid cards be non-personalized/anonymous?
   Yes. In place of the first and last name fields you can insert your company name or even the text "Gift Card." Please note, some Internet merchants require the name and address that is listed for the card, therefore, it will be important to ensure that the cardholder is aware of the address listed, otherwise purchases may be declined through the internet.
5. Will the recipient receive a statement?
   No. Card recipients can review their current balance online free of charge through this website. If the card holder wishes to review the transaction history of their card, they need to create an account at www.giftcards.com
6. Do you offer any corporate incentive programs?
   Yes, we can assist in setting up a corporate incentive program for your company that allows you to purchase prepaid cards in bulk on a continuous basis. Our rewards program is built into the system. A corporate account is created for you that will allow you to view invoices, card creations, and much more.
7. What happens when the card expires and there are funds remaining?
   We encourage you to use the entire card amount before the card expires. Once the card expires the balance is captured by GiftCards.com. However, this can be negotiable depending on your requirements.
8. Can the GiftCards.com Visa Prepaid Card ever have a negative balance?
   Any authorization request that is greater than the card's available balance will be declined. However, there can be times when a merchant forces an item through without prior authorization. If this happens and your card recipient exceeds the card's limit, you or your recipient may be billed for the excess amount, plus applicable service fees.
9. Is the GiftCards.com Visa Prepaid Card a credit card?
   No. Our product is classified as a prepaid Visa debit card that carries a fixed cash amount determined by the purchaser. Each time the card is used, the purchase amount is deducted from the available balance. However, the card should always be run as credit. There is no PIN number for transactions that go through a merchant.
10. What happens if my recipient loses their Card?
    A replacement card can be issued upon request and any available balance (less the replaced card fee -- see the Terms and Conditions for current fee) will be transferred to the new card. GiftCards.com will not be responsible for any charges that that are related to a lost or stolen card. Please contact GiftCards.com immediately if your card is lost or stolen.
11. How do my recipients check their balance on their Card?
    They can verify their remaining balance by visiting www.giftcardscorp.com or calling our toll free number (1-877-944-3822) that will be provided on the back of the Card. For our more advanced users, we offer an API system so that your recipients can access their card balance right on your website. Keep in mind, most merchants cannot tell them how much money they have remaining on the card, so recipients are encouraged to check their balance before using the card.
12. Is there a fee to create a corporate account?
    No, there is not a fee to create a corporate account. Once you have signed up for a corporate account, you have access to many features such as invoice history, repeat ordering, transaction histories, and much more.

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Ordering

1. What form of payment is accepted to purchase GiftCards.com Prepaid Cards?
   We accept Visa, MasterCard, AMEX, check, and wire/ACH. Please note when paying with a check, we wait 7 business days from the date the check was deposited into our account until we can process the order. For faster turnaround, Wire transfer is recommended for corporate clients. Once the funds hit our account and the corporate agreement is signed and faxed back to GiftCards.com, the order can be processed and shipped out immediately.
2. Why is a Federal Tax ID requested for new orders?
   We require a Federal Tax ID for all new clients as part of our verification process. This information is not used for any tax purposes, simply for verification to ensure that the organizations we are working with meet our compliance criteria.
3. Does the purchaser need to sign an agreement?
   Yes, for all new corporate orders of 10 or more gift cards, a corporate agreement is required to be signed by an authorized purchaser then the entire agreement must be faxed back to GiftCards.com before the order can be processed. For repeat purchases, a signed Purchase Order that is provided by us is required to be signed.
4. What are the value limits on each card?
   There is no minimum value for a card, however small denominations require an exception from Visa. The maximum value allowed is $750 for standard cards, however, based on your corporate account and program details, this maximum value can be increased if approved.
5. What should I do if I'm having trouble purchasing?
   Please ensure that all of your billing information is correct first. If you are still having problems with placing your order, then contact us at 1-877-944-3822 and press option 5 for corporate sales.
6. Can I cancel an order already placed with GiftCards.com?
   For a full refund, orders can ONLY be cancelled before we've completed processing. If your order is cancelled after it has been processed and within 60 days of your purchase, a $7.00 fee per card will be assessed and refunds are processed within 60 days and can be sent via check or credited towards your account for future use.
7. What is the cost for bulk orders?
   Corporate bulk orders are a minimum of 10 cards. The total cost for each card is based on the card denomination, embossing, fulfillment and shipping charges. To view our standard rates for Bulk Orders please click here.
8. How can we order?
   To order in bulk quantity of 10 cards or more, you need to sign up for a free corporate account. To do so, go to www.giftcardscorp.com and click on "sign up" and follow the steps. You will then be emailed a link that will activate your account. Once your account is activated, you can log in with your username and password and follow the step-by-step instructions to place your order. We can also take your order over the phone by calling our toll free number at 877-746-6664. Please choose option 1 for a corporate account executive.

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CoBrands

1. What is a Visa CoBrand card?
   This is a prepaid Visa debit card that your company can customize with your logo or design. It is great for employee incentives, marketing promotions, rebate rewards, healthcare incentives, etc. We have 3 different categories of CoBrands: Classic, Professional, and Premium, depending on the look of the card that you wish to design. You can also choose to upload a picture onto your cards, which is called Create-A-Card and can be added to any CoBrand card.
2. What is the Classic CoBrand?
   The Classic CoBrand is a one color logo set atop one of several background designs you choose from our design gallery. The standard rate for the Classic CoBrand card is a one-time fee of $500. Each card costs $2.95 plus shipping.
3. What is the Professional CoBrand?
   The Professional CoBrand is a full-color logo set atop one of several background designs you choose from our design gallery. The standard rate for the Professional CoBrand is a one-time setup fee of $750 and each card costs $3.50.
4. What is the Premium CoBrand?
   The Premium CoBrand is full-color and with complete design control of the art work on your card. The standard rate for the Premium CoBrand is a one-time setup fee of $1,000 and each card costs $3.95.
5. What is Create-A-Card?
   Create-A-Card is an online card design tool our customers can use to upload photos on their Visa Prepaid Cards to add a personal touch. As a corporate client, you can upload pictures and order cards on-demand as you need them and when you need them. The Create-A-Card option can be done with our GiftCards.com logo for non-CoBrands, or if you have an approved CoBrand your logo would appear. All uploaded photos are reviewed and must be approved before we will create the cards. We do not allow for trademarks or professional images not owned by the company to appear in the photo.
6. What are the requirements for submitting my logo/artwork?
   Standard or Professional CoBrands: We will not accept any logo that is less than 300 dpi. Logos should be RGB color mode. CMYK files will be converted, which may produce a card with undesirable colors. Bitmaps, gifs, etc. are also not accepted, as these are not high resolution formats and will not print high quality. Any logo that does not follow these guidelines may cause a slight delay in preparation.
   Premium CoBrands: Card design must continue through bleed. We will not accept any artwork that is less than 300 dpi or smaller than 3.5 x 2.24 inches. All artwork should be RGB color mode. CMYK files will be converted, which may produce a card with undesirable colors. Bitmaps, gifs, etc. are also not accepted, as these are not high resolution formats and will not print high quality. Any artwork that does not follow these guidelines may cause a slight delay in preparation.
7. How long does it take to have my CoBrand account approved?
   The entire process typically takes 2-3 weeks once we receive the required art work, agreement, application, and payment from your company. Once your CoBrand is approved, your cards can be printed and shipped on-demand within 2 business days of each requested order.
8. How do I get started?
   There are 4 basic steps to setting up a Corporate CoBrand account:
   1. Select the type of CoBrand card & provide us with your artwork.
   2. Complete the application with information about your company & use of the card.
   3. Review & fax a signed copy of the CoBrand Agreement.
   4. Provide payment method for the setup fee.
9. What if our corporation wants to make a change to our card design or logo?
   You will have to get the changes re-approved through Visa. There is a $250 setup fee for the new card design.

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Reloadable Programs

1. What is the reloadable program?
   A reloadable card type program is for corporations who want to be able to add funds to already issued cards at their discretion. Reloadable cards are only available for approved CoBrands.
2. What are some typical applications for the reloadable program?
   We typically only recommend the reloadable cards for ongoing employee incentive programs or ongoing dealer/distributor rewards. If you donÕt anticipate providing rewards regularly to employees or distributors (such as at least quarterly), a reloadable card may not be the best program option for you.
3. What is required for the reloadable program?
   Only CoBranded Visa Gift Cards can be reloadable and ATM accessible. Purchaser MUST adhere to KYC (Know your Customer), the Bank Secrecy Act, or the USA PATRIOT Act.
   The card must have the recipientÕs name embossed on the card that the Company/ Purchaser can tie to a specific person. In order to comply with KYC (Know your Customer), the Bank Secrecy Act, and the USA PATRIOT Act, each card recipient must register their card online at GiftCards.com before it can be reloaded or used at an ATM.
4. What are the costs associated with the reloadable program?
   We have a few types of reloadable programs. Our standard program has an initial per card fee which is typically $4.95 and an ongoing monthly maintenance fee charged to the company. However we can provide multiple pricing options based on the program.
5. How do you reload a Card?
   Login to your account by entering your email address and password by going to: https://www.GiftCardsCorp.com/account/login.htm. This takes you to CardTrack, the GiftCardsCorp.com corporate ordering interface. The next step is to click onto the Orders tool and you will be taken to your Ordering History page. Select the Invoice ID you wish to reload by clicking on Reload Cards under Options. Choose the Card Number(s) to reload and simply enter the value you wish to reload in the Reload cell. Click Reload and then choose payment method. Then click Submit.
   CardTrack multi-user access enables you to setup other colleagues or managers with access to CardTrack to manage gift card orders for employees. Once logged into CardTrack, click onto Manage Users. This section allows you to create additional logins for colleagues or employees who also need the ability to place gift card orders. As an administrator, you can setup budget amounts and budget frequency for each user you add.
6. How are funds added to the gift card upon reload?
   You are able to setup an account with a Funds Bank and GiftCards.com will automatically deduct the amount from your account and add it to the balance of the gift cards. You can replenish funds in this account at your discretion. During normal business hours, it typically takes 2 hours for funds to show up on the card once requested and paid for.

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