Prepay Technologies Ltd (PPS) is a Mastercard Principal Member and a UK Financial Conduct Authority (FCA) authorised and regulated Electronic Money Institution, offering a range of payment services. PPS is authorised and regulated by the FCA for the issuance of e-money with firm reference number 900010.

A card issuer is responsible for issuing a card and setting the terms and conditions associated with its usage.

You do not need to do anything, this change will happen automatically. During the switch there will be no interruptions to your service and your card will continue to work as normal.

No, your current card will continue to work until the expiry date on the front of your card. During the switch there will be no interruptions to your service and your card will continue to work as normal.

The card issuer will change to PPS from Thursday 5th November 2020.

Aside from the change in contracting party, all other terms and conditions of your program continue to be honoured.

Fees and charges will remain the same as stated in the terms and conditions.

For all information about your card program, including how to check your balance, please visit the website. The web address is written on the back of your card.

You can cash out via the usual channels. Please check the website for further details. Should you have any concerns with the issuer change, you can request any remaining balance(s) and close your account with no cash out fee until Thursday 31st December 2020.

The Card Issuer, Wirecard is required under the E-Money Regulations to maintain appropriate measures to safeguard customer’s money. It does this by holding it separate from its own money in accounts with banks (or a credit institution). Adequate safeguarding arrangements which are compliant with the regulatory requirements are a condition of Wirecard’s ongoing Financial Conduct Authority (FCA) authorisation.

If your card is lost, stolen or damaged or you see a transaction you do not recognise, contact Card Services immediately at the following numbers:

• From Ireland: 1800 535 564

• From outside Ireland: 44 207 649 9404

• If you lose your card while you are abroad, card services will issue a replacement card or send emergency cash to the registered card holder up to the available balance of the card (subject to availability and over 18’s only).

Download the An Post Money Currency Card from the Google Play and Apple stores

If you forget your PIN, or personal identification number, you can obtain a PIN reminder online by answering the security questions you supplied on your application and following the prompts. You can also call Card Services on:

• From Ireland: 1800 535 564
• From outside Ireland: 44 207 649 9404
• You can change your PIN at any ATM in Europe that offers a PIN change facility.

In some countries, you may be asked for a six-digit PIN, when using a cash machine. Your card uses a standard four-digit PIN, which should be accepted as normal if the cash machine has been set up correctly.

Cash back is not available on your card. Your card may not be used:

• For money transfer (to send money to someone else)

• To purchase goods or services from adult or gambling sites or shops
• For any unlawful activity
• For recurring payments, such as monthly magazine fees.

There are a number of countries and geographical regions where use of the card is currently prohibited. They are:

• Crimea

• Iran

• North Korea

• Sudan

• Syria

If you attempt to withdraw cash from a cash machine or use your card at shops, restaurants, hotels and online in any of these places, your request will be declined.

If you would like to dispute a transaction, you can call the Card Services team at 1800 535 564 and they will check the transaction details for you.

If one of your transactions is not correct, Card Services can dispute this on your behalf. Complete a dispute form (PDF, 278KB) and then email the completed form to Prepaid PPC Disputes@mastercard.com.

To make a complaint, contact Card Services by:

• Calling 1800 535 564 within Ireland or on 44 207 649 9404 from outside Ireland

• Emailing prepaidmgmt_servicequality@mastercard.com

• By writing to Service Quality, Access House, Cygnet Road, Hampton, Peterborough PE7 8FJ, UK

If you write to us, for security reasons please do not include your full card number. Just provide the first six and last four digits only, as follows: 123456******7890

When a complaint is received, we aim to resolve your issues fairly and promptly. If you are not satisfied with the final response you receive you can refer the matter to:

• The Financial Ombudsman Service in the UK

• Financial Services and Pensions Ombudsman

• The EU Online Dispute Resolution Platform
•  

UK Financial Ombudsman Service details:

Website: www.financial-ombudsman.org.uk

Email: complaint.info@financial-ombudsman.org.uk.

Address: Exchange Tower, London, E14 9SR, United Kingdom;

Telephone: 0800 023 4567 or +44 20 7964 0500.

You may also refer your complaint to the Irish Financial Services Ombudsman:

Website: www.fspo.ie

Email: info@fspo.ie

Address: Lincoln House, Lincoln Place, Dublin 2, DO2 VH29, Ireland.

When you use your card at certain restaurants and petrol stations, you may need to have more funds on your card than the value of the transaction you want to make.

This is because the merchant may request more funds than you initially authorised to cover the sale. For instance, restaurants may add a tip or service charge agreed by you or petrol stations may need to to ensure there are sufficient funds available to cover the final cost of automated fuel pump transactions.

The addition of a percentage, or fixed amount, to the value of the transaction authorised by the merchant is called tolerance and is applied as follows:

• Restaurants and other eating places - 15%

• Automated fuel dispensers - £99 sterling or currency equivalent

At restaurants tolerance is only applied to transactions authorised by magnetic stripe rather than by chip or contactless card. At petrol stations tolerance is applied to all automated fuel pump transactions.

The amount authorised by the merchant plus the tolerance is reserved from your card fund until the merchant requests payment or for seven days, whichever is sooner. At that time, the exact final amount is debited from your card.

If the merchant does not settle the final bill within seven days, and sometimes it takes up to 30 days to settle, you should check your transaction history regularly and take this into account to ensure you have sufficient funds available for spending.

If the final settlement amount exceeds the relevant currency balance on the card, the remainder will be funded by converting that amount in the order of priority set out in the Terms and Conditions
If you do not have sufficient funds in your total card fund to cover the value of the transaction plus the tolerance, the transaction will be declined.

For example, you have lunch at a restaurant and the total bill is US$50. You only have $50 on your card and a 15% tolerance applies. If the restaurant tries to charge your card with $50, it will be declined as there will be insufficient funds to cover the bill of $50 plus tolerance of 15%, or €7.50, a total of €57.50.

If the merchant allows, you can use your card to make a partial payment and cover the balance with some other payment method. Just tell the cashier before you start the transaction and confirm the amount you want deducted from your card. This should be processed first with the balance settled in whatever way you choose.

You can find more information on contacting call centres from abroad by visiting the mastercard multicurrency cash passport website.