FAQs - Incentives Gift Card

Can I see a list of transactions made with the Visa Gift Card?

Yes, you can view your Gift Card balance and transaction history at www.myprepaidcentre.com.au

How can I check the Visa Gift Card available balance?

You can check your Gift Card balance at www.myprepaidcentre.com.au by selecting ‘Card Balance’ from this website’s navigation menu or by calling 1800 778 619. You will then be prompted to enter the PCN Number located on the back of the Gift Card. The resulting search will show the available balance remaining and expiry date, as well as the most recent transaction summary.

My Visa Gift Card is not working online

Some merchants may choose not to accept prepaid gift cards, Visa Gift Cards has no discretion upon any merchant’s decision. Some online merchants that require 3D Secure verification (3DS) will not process the transaction as Visa prepaid gift cards do not support 3DS.

Is the balance updated automatically?

Yes. Each time you use your Visa Gift Card, the purchase amount is automatically deducted from the Card balance. If the transaction is declined the funds are not deducted as there is not enough balance to allow the transaction to be completed. If not completed already, you can also set up a personal profile to manage multiple Visa Gift Cards. To set up a personal profile please visit www.myprepaidcentre.com.au.

Can Visa Gift Cards be used to make purchases online?

Yes, Visa Gift Cards can be used online

Enter the card information (Card number, expiry date and CVV) in the credit/debit card section and please ensure the current balance of the Visa Gift Card is enough for the entire purchase as most online merchants cannot accept the combination of a Visa Gift Card and a Credit Card.

What happens if an item was purchased with Visa Gift Card and needs to be returned?

Each merchant will handle returns as per their own policies and may issue a cash refund or store credit. A merchant may also choose to return the refund amount onto the card.

Can I use Visa Gift Cards to get cash out of the ATM?

No, the Visa Gift Cards cannot be used to withdraw cash at ATM or EFTPOS facilities.

My account has some suspicious Activity recorded in the transaction history, what should I do?

If you notice any suspicious Activities, you can choose to dispute a transaction. To dispute a transaction, you must register your card and complete the dispute form located here.

Are there any fees for using the Visa Gift Card or checking the Gift Card balance or transaction history?

There are no fees associated with checking card balance or transaction history.

A Currency Conversion fee of 3.5% applies for foreign currency transactions. This conversion fee amount is calculated at time of purchase, and the balance of your card must be sufficient to cover both the purchase and currency conversion fee..

Can I set up a profile to manage multiple Visa gift cards?

Yes, My Prepaid Centre allows you to create a personal profile to manage multiple Visa Gift Cards. To set up a personal profile please visit www.myprepaidcentre.com.au

Can I use my Visa Gift Card for reoccurring payments?

A recurring payment is when you provide your card details for an ongoing payment, and a charge is made to that card on a recurring basis (such as a monthly insurance payment, or a monthly gym membership). Visa doesn’t not allow prepaid gift cards to be used for reoccurring payments. Some online merchants may setup their payment type as “reoccurring payment” Visa Gift Cards has no discretion on what payment type the merchant selects.

Are there Terms & Conditions that apply to the Visa Gift Card?

Yes, you can view the full Terms & Conditions here

Why was a transaction declined?

There are a few reasons why a transaction might be declined, including:

The merchant has elected not to accept prepaid Visa Gift Cards as a method of payment
The transaction value is greater than the available balance on your Visa Gift Card. It is best to always be aware of your Visa Gift Card balance by visiting www.incentivesgiftcard.com.au.
Some countries may have limits and restrictions on accepting prepaid Visa Gift Cards
The Visa Gift Card has not been ‘Activated’
Your Visa Gift Card has been suspended or closed, or transactions with a particular merchant have been blocked, due to suspected fraudulent or illegal Activity
The Visa Gift Card is damaged
The Visa Gift Card has expired
The merchant’s connection to the Visa network is currently unavailable
Some Visa Gift Cards can only be used at select merchant categories – the merchant you are attempting to redeem your card at may not have a merchant category that works with your card program.

Do I need to register my Visa eGift card to make purchases?

Yes, your Visa Digital eGift card must be registered via the registration link on the email you receive to use your Gift Card. You will not be provided with card details until the card has been registered.

To register your Digital eGift Card, either click on the ‘Register Card’ link in your email.

Physical cards do not need to be registered prior to use.

What happens if I lose my Visa Gift Card, or it is stolen?

We encourage card holders to register their Visa Gift Cards via the website, so in the event that your card is Lost, stolen or damaged, our team can see what options are available for you. Without a card number, we are unable to assist in locating any details of your card. Expired Gift Cards cannot be replaced or refunded. Please refer to the terms and conditions.

Can I use my Visa Gift Card outside of Australia?

Yes. A Currency Conversion fee of 3.5% applies for foreign currency transactions. This conversion fee amount is calculated at time of purchase, and the balance of your card must be sufficient to cover both the purchase and currency conversion fee. Please note that some countries may have limits and restrictions on accepting prepaid Visa gift cards.

I’m having trouble paying with my Apple, Samsung, or Google mobile wallet, what should I do?

Make sure the card details are correct by double-checking that what you’ve entered exactly matches your card number, expiry date and CVV. If you still can’t complete a contactless payment, try again with the below tips or reach out to the wallet provider directly for further assistance.
i) Make sure your phone is awake and unlocked.
ii) Hold your phone in a different way. Your NFC antenna could be near the top or middle of your device.
iii) Hold your phone closer to the payment reader.
iv) Hold your phone close to the payment reader for a few more seconds.

Is the physical Card required to be used at the Payment PIN pad to authorise my purchase when using a Visa Gift Card?

The retailer must use the PIN pad provided when redeeming a Visa Gift Card for goods or services as directed by the POS terminal. If you’ve already added your Visa Gift Card to your mobile wallet, then you will not require your physical card.

What if the value of the purchase I want to make is greater than the value/balance on the Visa Gift Card?

In-store purchases: If your purchase is larger than your balance, ask the cashier to swipe the gift card for the exact amount available on the card. Then pay the remaining balance with another form of payment. These are called “split transactions.” Some merchants do not allow cardholders to carry out split transactions. Some merchants will only allow you to do a split transaction if you pay the remaining amount in cash.

Online purchases: Online merchants don’t have the capabilities to perform split credit transactions

Do I receive change on a Visa Gift Card transaction?

No. The Gift Card can be used until the balance reaches a nil value, no matter how small the balance.

Where can my Visa Gift Gift card be used?

Visa Gift Cards can be used where Visa prepaid gift cards are accepted in-store and online. Please note that some merchants may choose not to accept prepaid gift cards, this includes both online and in-store merchants. This is the right of the merchant to make the choice about which cards they do and do not accept. Some online merchants that require 3D Secure verification (3DS) will not process the transaction as Visa prepaid gift cards do not support 3DS.

What happens if I have not used all the funds when the Visa Gift Card expires?

Whatever value is left on the Gift Card after its expiry will not be available to you. We encourage you to use your Gift Card before it expires.

I have been given a Visa Gift Card, how does it work?

Visa Gift Cards are prepaid gift cards run on the Visa network that carries a certain amount of spending power. Each time the Gift Card is used to make a purchase, that purchase amount is deducted from the Card’s available balance. When the value has been exhausted, it cannot be used for more purchases.

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