How can I get a new Canada Post Visa* Prepaid Card using Chip & PIN technology? [back to top
You can go to any participating Canada Post locations to purchase a new Canada Post Visa Prepaid Card using Chip & PIN technology.If you already have a Canada Post Visa Prepaid Card but without a Chip located on the front of your card, you will need to buy a new Chip & PIN technology Canada Post Visa Prepaid Card and you will have the option to transfer the balance from your previous card onto the new one. To learn how to transfer funds, please refer to the Can I transfer funds from my Canada Post Visa Prepaid Card to another Canada Post Visa Prepaid Card?
section on this page.For information regarding the new Chip & PIN technology Canada Post Visa Prepaid Card please visit www.CanadaPrepaidCard.ca
Can I buy a Canada Post Visa Prepaid Card without the Chip & PIN technology? [back to top
The Canada Post Visa Prepaid Card with no Chip on the front of the card has been replaced by the new Canada Post Visa Prepaid Card using Chip & PIN technology. To learn how to buy the new Canada Post Visa Prepaid Card using Chip & PIN technology, please refer to the question How can I get a new Canada Post Visa Prepaid Card using Chip & PIN technology?
What is a reloadable Canada Post Visa Prepaid Card? [back to top
The reloadable Canada Post Visa Prepaid Card is a prepaid card that you can load funds to over and over again. You can use the Card to make purchases wherever Visa cards are electronically accepted, including online and get cash access at any ATM displaying the Visa symbol. There is no credit check or bank account required for setup. To purchase a card, visit a participating Canada Post location.
Is my Canada Post Visa Prepaid Card a credit card? [back to top
No, it is not a credit card and is not reported to the credit rating agencies as you may only spend what you have loaded on the Card. Each time you use the Card, the purchase amount is deducted from the available balance.
Who would use a Canada Post Visa Prepaid Card? [back to top
Anyone! In particular, a reloadable Visa Prepaid Card is great for people who are:
- Security concerned - limit your exposure to identity theft and fraud, and worry less about shopping online.
- Budget conscious - limit and monitor your spending easily.
- Credit challenged - enjoy the convenience of a Visa without a credit check.
How do I use my Canada Post Visa Prepaid Card? [back to top
Simply present your Card to the merchant and have them select the “credit” payment option. Once processed, you will be required to sign the sales receipt. If you would like to purchase an item that is more than the value on your Card, let the cashier know how much to charge to your reloadable Visa Card first and then give them a second form of payment for any remaining balance owing on the purchase.
Where can I use my Canada Post Visa Prepaid Card? [back to top
You can use your Card wherever Visa cards are electronically accepted in Canada and worldwide - even online. It can also be used at ATMs displaying the Visa logo and for recurring payments. It cannot be used for online gambling or at merchants requiring a manual imprint.
What should I do when I get my Canada Post Visa Prepaid Card? [back to top
Before you can use your new personalized Card, you need to activate it and get a Personal Identification Number (PIN) for cash access. Once you've received this initial PIN you can change it to one of your own liking. To activate your new card, follow the steps below:
| Step 1: ||Call Cardholder Services at 1-866-760-1543. |
| Step 2: ||Enter your 16-Digit Card number. |
| Step 3: ||Authenticate yourself by entering your month and day of birth. Enter this information as MMDD (i.e. if you were born on December 4th, you would enter "1204") |
| Step 4: ||Once your information has been verified, you will: |
- Be advised that your Card is now active
- Be advised of your current Card balance
- Be assigned a 4-digit PIN. Remember and record this PIN and keep it separate from your Card at all times, or wait to change your PIN to one of your choosing as outlined in Step 5.
| Step 5: ||While you are still on the phone, you have the option of changing your assigned PIN to a more easily remembered number. Using your touch tone phone, follow the prompts to enter your own 4-digit PIN. |
You may change your PIN at any time by calling Customer Service at 1-866-760-1543 or by logging into this website.
| Step 6: ||When your PIN is confirmed, simply hang up. Your new personalized Card is now active and replaces your previous Card which will no longer work. Any remaining funds on your previous card will automatically be transferred to your new Card which is now ready for use. |
How can I load funds to my personalized Canada Post Visa Prepaid Card? [back to top
You can reload your personalized Card until the Card expires. There are limits on the amount you may load at any one time, as outlined in the Disclosure Statement of Fees and Limits
. Add money to your Card with:
- Cash or debit at participating Canada Post locations. The amount you load will be instantly available.
- A bill payment transfer from your bank. Enjoy the convenience of reloading your Card from work or home and add money directly from your bank account by making a bill payment to the vendor name “Canada Post Visa Card”. The amount you load will be available in one (1) - three (3) days. Not all financial institutions may allow this feature so check with your bank to ensure this bill payment option is available for you.
Are there limits to what I can load to my Canada Post Visa Prepaid Card? [back to top
Yes, there are minimum and maximum limits that you can load to your Card. Please refer to your Disclosure Statement of Fees and Limits
What if I loaded funds to my Canada Post Visa Prepaid Card but I don't see it on my balance yet? [back to top
If using the bill payment option from your bank account, it can take one (1) to three (3) days for a load to be posted to your Card. Your personalized Card must also be in an active status to accept loads and the load value cannot allow your balance to exceed the maximum balance of the Card.
If it has been at least four (4) days, please contact your financial institution where the bill payment took place. It may be that you have exceeded the maximum card balance, maximum load per transaction, or provided an invalid card number. In all these cases, the full load amount will be returned to the bank account from where the bill payment originally came from. This process can take up to fourteen (14) days.
Can I transfer funds from my Canada Post Visa Prepaid Card to another Canada Post Visa Prepaid Card? [back to top
Yes, you can transfer funds from your Card to another personalized Canada Post Visa Prepaid Card instantly using the Transfer Funds option when you log onto www.myprepaidcard.ca
for free. You will need to know the recipient's card number in order to set up this function.Once the transfer is done and approved, your account will be immediately debited by the amount transferred and the balance immediately available in the recipient's account.
Are there any fees associated with my Canada Post Visa Prepaid Card? [back to top
Yes, a Cardholder Agreement
is sent to the cardholder with the Card which outlines the fees, and can also be found on this site in the Terms & Conditions
Does my Canada Post Visa Prepaid Card have an expiration date? [back to top
Yes, an expiry date is required to complete Visa transactions. The expiration date is printed on the front of your Card.
What will happen when my Canada Post Visa Prepaid Card expires? [back to top
Forty-five (45) days prior to the expiry date on the front of your Card, if your Card is active and has funds remaining, you will automatically be issued a replacement Card with a new expiry so you can continue to use your funds. Your Card will not be replaced if forty-five (45) days prior to expiry, your Card is not in an active status and/or has a zero balance.
Will I receive a statement for my Canada Post Visa Prepaid Card? [back to top
No, there are no paper statements available for this card. You have online access to your balance and transaction history at this site at no charge. You can also call Cardholder Services at 1-866-760-1543, or use the zenwallet™ app for free. Download at Google Play
and/or App Store
Can I withdraw cash with my Canada Post Visa Prepaid Card? [back to top
Yes, you can use your Card and PIN to obtain cash (subject to limits
) at any Automated Teller Machine (ATM) in Canada or around the world where the Visa symbol is displayed for a service fee. Or you may use your Card to take a cash advance at any financial institution that issues Visa. Cash requests are subject to funds available on your Card.
Can I use my Canada Post Visa Prepaid Card for recurring billing? [back to top
Yes, your permanent personalized Card can be used for recurring billings or for pre-authorized payments.
How can I check the balance on my Canada Post Visa Prepaid Card? [back to top
Check your balance and transaction history for free by using this site, by calling Cardholder Services at 1-866-760-1543 or by using the zenwalletTM
app for free. Download at Google Play
and/or App Store
. Please note that merchants do not have access to your Card balance.
What happens if my Canada Post Visa Prepaid Card is lost or stolen? [back to top
Lost and stolen Cards must be reported immediately by contacting Cardholder Services toll-free at 1-866-760-1543 and providing your Card number and other information as requested. A replacement Card will be issued subject to our verification and any available balance will be transferred to the new Card. As long as the lost or stolen Card has been reported immediately, the cardholder will not be responsible for any unauthorized charges thereafter.
Can I use my Canada Post Visa Prepaid Card to pay at the pump at gas stations? [back to top
Your Card will not work at the pay at the pump. You must take your Card inside to the gas station cashier to pay.
What happens if I need to return an item I purchased using my Canada Post Visa Prepaid Card? [back to top
Each merchant location has its own return policies and will handle returns in the same way as any other Visa transaction. They may credit your Card, provide a cash refund, or a store credit. If a credit is issued to your Card, the credit may not be added to the available funds for up to seven (7) business days.
What do I do if my Canada Post Visa Prepaid Card was declined? [back to top
If a purchase has been declined, it is likely because the available balance on the Card was less than the purchase amount. Merchants do not have access to your Card balance and cannot automatically deduct the available balance for a purchase. So it is important that you inform the merchant the balance of your Card if it is less than the amount of your purchase.
Some merchants, such as restaurants, hotel and car rental reservations require the Card to have an available balance that is 15-20% greater than the purchase amount to ensure there are sufficient funds to pay for the final anticipated amount of the purchase (for tips, service charges, incidental expenses, etc.). This is a standard practice for merchants who accept Visa cards. In all cases, only the actual amount spent will be deducted from the Card. However, we do not recommend using your Prepaid Card for authorizations at car rentals or hotels as it may take up to thirty (30) days for any held amounts to be added back to your available balance.
Can my Canada Post Visa Prepaid Card ever have a negative balance? [back to top
The Card is prepaid, meaning it will only authorize when enough funds exist on the Card to cover the purchase. However, the Card may go into a negative balance due to some merchant transactions so it is the responsibility of the cardholder to ensure there are always sufficient funds on the Card for purchases.
How do I dispute a transaction on my Canada Post Visa Prepaid Card? [back to top
You should first dispute charges with the merchant. If your dispute is not resolved, then contact Cardholder Services at the number listed on the back of your Card.
How do I cancel my Canada Post Visa Prepaid Card? [back to top
You may cancel the Card at any time after you have spent the remaining Balance. To cancel your Card, call Cardholder Services at 1-866-760-1543.
Can I get a supplementary Canada Post Visa Prepaid Card? [back to top
No, supplementary Cards are not available.
Email Alerts are a free, convenient way for you to receive messaging regarding your card usage by email. Login
and go to Email Alerts to opt-in or opt-out.
Identification questions are questions selected by you from a list of available options with unique answers that only you are supposed to know. This enhanced login process helps prevent online fraud and phishing, a type of online deception designed to steal personal information such as card numbers, passwords or other account information. The feature asks you to verify your identity to prevent unauthorized use of your personal financial information.
When will I need to answer Identification Questions? [back to top
Upon your initial login to your Reloadable Visa account, you will need to update your user profile by answering a minimum of four questions from a list of available options with unique answers that only you are supposed to know. You will only be asked to answer two randomly selected security questions to confirm your identity when you log in to this site from another computer or smart phone. Once you update your user profile, there will be no change to ongoing access from your regular computer which recognizes you and does not require you to answer identification questions. In the future, when you log in to your Reloadable Visa account from a computer that you normally don't use - like a computer in a library, internet café or if you have deleted your cookies, you will need to answer the identification questions to confirm your identity.
I have previously logged into my account with this computer. Why am I being prompted to answer my Identification Questions? [back to top
Your computer is recognized with what is known as a "cookie". If you have cleared your browser cookies recently or you are using a different browser on your regular computer, you will be prompted to answer the identification questions again.
I have successfully logged into my account so why am I being asked to verify the answers to my Identification Questions? [back to top
Every ninety (90) days, you may be prompted to verify the answers to your identification questions to check that your answers are still valid. This will also allow you the opportunity to modify your answers in case they have changed over time.
Will my Identification Questions and Answers be used for anything other than the sign in process? [back to top
Your Identification Questions and Answers will not be used for any purpose other than to authenticate your account access and to verify your identity, nor will we share this information with any third party except for the purpose of confirming and investigating a security violation.
I have exceeded the number of attempts to answer my Identification Questions and am now locked out. How do I get access to the site again? [back to top
If you have incorrectly answered your identification questions and your account has been locked or you require assistance, please contact Cardholder Services at the phone number shown on the back of your card.
How can I make changes or add more answers to the Identification Questions? [back to top
For any assistance with your identification questions, please contact Cardholder Services at the phone number shown on the back of your card.