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 Employee
Pay Card Questions
Employer
Pay Card Questions
Employee Pay Card
Questions
What is the Pay Card?
It's a prepaid card that you can use instead of receiving a paper check.
As funds are paid, your deposit will automatically appear on your card.
The Card looks and works just like a debit card, and it is branded with
the Visa logo.
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Is it a credit card?
No. It's a prepaid Visa debit card that carries a fixed cash amount determined
by the amount of your deposit on payment day. Each time you use the card,
the purchase amount is deducted from the available balance. The available
funds will be based solely on what the Payor loads onto the card each
payment day.
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Is there a credit check for the Pay Card?
Since the smartOne Pay Card is not a credit card, there is no credit check,
or interest fees.
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Why get a Pay Card instead of just receiving
a paper check?
The smartOne Pay Card is safer than carrying cash, more convenient than
having to seek out a check cashing facility, and cheaper than paying to
have your check cashed. It also gives you access to a Visa debit Card,
which allows you to make in-store, online or over-the-phone purchases.
In addition to all of this, you will be able to more effectively track
your spending habits with the monthly personal statements of your card
activity.
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How do I get a Pay Card?
Talk to your Human Resources or Payroll department, or Claims Adjustor.
They will have you fill out a simple form to get you enrolled. Your application
will be processed and you will receive your card in approximately 5-7
business days. When you receive your card, you will have to call to activate
it. Activating your card verifies your personal information and protects
you against fraud. You will begin receiving your funds electronically
on the next calendar pay period.
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How will I be able to access my funds?
You will be able to use the card at any merchant that welcomes Visa debit
cards. At the point of purchase you will hand your card to the merchant
to swipe, and then you'll be asked to sign for your purchase - this works
just like any standard debit card. You may also withdraw cash at an ATM
by using your PIN, or you may receive cash by visiting a teller in a bank
branch. Additionally, you can get cash back at the point of sale of participating
merchants (look for the Interlink logo), provided you use your PIN.
For surcharge-free ATM access, please look for the Allpoint logo. To
search for the nearest Allpoint terminal click here.
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How can I set/change my PIN?
When you call in to activate your card, you will be asked to set a Personal
Identification Number, or PIN. If you forget your PIN or want to change
your PIN, call our toll free number 1-800-279-5439. Cardholders can also
select or change a PIN through a secure internet site at www.onlinepaycard.com/smartOnePaycard.
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What if I lose my Pay Card or it's stolen?
If this happens you will need to call our toll free number 1-800-279-5439
as soon as possible to report the card missing. We will immediately cancel
the card and send you a replacement card. Your funds will be automatically
transferred to the new card. If your card has been used without your authorization,
you may be covered by Visa's Zero Liability Policy (see your Cardmember
Agreement for more details).
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What if my personal information changes?
You may change your personal information such as address and telephone
number by contacting the payor. It is important to keep your account information
updated as some merchants verify your billing address for mail/telephone
orders. If the address is not correct, it may delay or stop the transaction.
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Will I be able to access the full amount of my pay at once?
Once funds are loaded onto the card, you will have access to the full
amount of your pay. You can withdraw your entire balance at a bank or
partial amounts at an ATM. The amount that can be withdrawn at an ATM
can be limited depending on the ATM owner. Use your smartOne
Pay Card in a way that caters to your lifestyle and makes you the most
comfortable.
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How can I find out how much I have available
on my card?
You can call the toll free customer service number at 1-800-279-5439.
You can log into your personal account on www.onlinepaycard.com/smartonepaycard
and view your balance. Additionally, you can ask what your balance is
when visiting a bank branch or an ATM. It is highly recommended that you
keep track of your purchases in a Personal Register. This way, you will
always know what you've been paid, what you've spent, and where you've
spent it.
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Can I use my Pay Card to make a purchase that
is larger than the balance on my card?
By using another form of payment in addition to your card you can still
make purchases that exceed your available balance on your smartOne Pay
Card. Pay for part of your purchase with your smartOne Pay Card and pay
the other part with a second source of payment: 1) Let the cashier know
in advance you will be using two forms of payment, 2) Present the card
and state the specific amount to be used, and 3) Pay the cashier the difference
with a second form of payment- cash, credit, or check.
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What if I need to return an item to the merchant?
You will need to present your smartOne Pay Card at the time of you return
merchandise. If the merchant's return policy allows it, the merchant will
credit the amount of the purchase back to your card. Remember to save
your purchase receipt and the card even after you have spent all the funds
loaded on the card in case there are any merchandise returns.
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My transaction history online shows that a merchant
charged me for more than what I authorized. Why?
Certain merchants, such as gas stations, restaurants, and hotels often
obtain authorization amounts for more than the transaction amount. It
is recommended that you give your card to the station attendant and state
exactly how much gas you want to purchase, instead of swiping your card
at the pump. Also, many restaurants factor in an automatic tip of up to
20% when authorizing card purchases. If your restaurant bill, plus the
estimated tip exceeds the amount on the card, it may be declined. Should
this situation occur, instruct the cashier to deduct a specific amount
from the card and use another form of payment for the balance or tip.
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What is the difference between selecting "debit"
or "credit" at a merchant after the cashier asks me to swipe my card through
their terminal?
The only difference is that if you select "debit", you will be asked to
type in your PIN after swiping your card. This option allows you to obtain
cash back if you prefer. If you don't remember your PIN, selecting "credit"
still allows you to use the card, and the cashier will ask you to sign
the receipt for the sale.
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What happens when my Pay Card expires?
Your smartOne Pay Card has a two-year expiration date. Prior to this time,
your account history will be reviewed, and a decision will be made for
renewal. Please speak with a customer service representative at 1-800-279-5439
(our toll-free number) if you have any questions about the renewal status
of your card.
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What happens to my Pay Card if
I terminate my relationship with the Payor?
Your smartOne Pay Card is nontransferable. If you terminate your relationship
with the Payor, you will be given a reasonable time to deplete your funds,
but the Payor is not required to provide additional value loads to your
card.
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How do I reach someone if I have questions about
my smartOne Pay Card?
For your convenience, you may reach customer service at 1-800-279-5439.
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Employer Pay Card Questions
- How long does it take to implement
a Pay Card program?
- An employer can be set up in as little as 13 business days. However,
depending on the customization requested, it may take additional time.
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- What type of training does smartOne
Solutions provide?
- smartOne Solutions provides a variety of options to employers from
detailed user guides to on-site training sessions.
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- Can an employer customize the Pay
Card plastic?
- Yes, our industry-unique capabilities allow us to digitally print
customized cards on demand. We also have the flexibility to customize
the marketing material included with the delivery of the cards.
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- How does a employee enroll for a Pay
Card?
- An employee must complete and return a signed enrollment form to the
payroll department. The application is uploaded to a secure Internet
site where the account is created.
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- Do you provide enrollment forms?
- The enrollment forms are provided by smartOne Solutions and can be
customize for your company. We can provide both English and Spanish
versions of the enrollment form.
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- What employee information is needed
to enroll for the Pay Card?
- Employees must provide name, home address, city, state, zip code,
home phone number, and Social Security Number. Email address and claimant
number are optional. This information is used to check the US Department
of Treasury's OFAC list - the information is not used for credit history
verification.
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- Does the Pay Card program require
special software?
- No, the smartOne Pay Card is designed to seamlessly integrate with
your current direct deposit payroll system.
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- How will employees receive their cards?
- After the enrollment form has been successfully submitted, employees
will receive their cards by mail at the address provided on the form.
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- How does an employee receive a Personal
Identification Number (PIN) for a Pay Card?
- At the time the card is activated through an automated phone line,
a pre-selected PIN will be given to the cardholder. The cardholder will
have the option to accept the PIN or select a personalized number.
- When will the employee receive their
funds?
- Just like direct deposit, funds will be delivered the day designated
on the ACH file.
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- Who is responsible for handling escheatment?
- All escheatment issues will be handled through smartOne Solutions.
- Will the employee receive monthly
transaction statements?
- Yes, all cardholders will receive a monthly statement detailing each
transaction made during the month.
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- How does smartOne Pay Card help lower
my claims costs?
- By implementing a Pay Card program, you can save significantly on
costs associated with processing paper checks: printing and delivery,
reconciliation and storage, lost-check replacement and stop payments,
and duplicate-check fraud and out-of-cycle checks.
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- Do the pay periods remain the
same as those for paycheck-based programs or direct deposit?
- Yes. The smartOne Pay Card pay periods coincide with your regular pay
periods. The funding schedule is a part of the initial service agreement
between the issuing financial institution and the employer. In addition,
because the employee's pay is deposited electronically, cardholders
no longer have to wait for their paychecks to clear.
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- What is my responsibility if the
card is lost or stolen?
- If an employee reports a lost or stolen Pay Card, the issuing smartOne
Solutions is responsible for replacing the card. The cardholder should
notify the toll free customer service hotline immediately when the loss
is discovered.
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