Visa Gift Card FAQs
Frequently Asked Questions about WESTconsin Visa Gift Cards can be found below. If you don't see an answer to your question contact us and we'd be happy to help!
Where can the Gift Card be used?
Gift Cards can be used for purchases at most places where Visa Debit is accepted. To use your Card for payment of an online or phone purchase, the Card must be registered (See Online Tools for VISA Gift Cards). Gift Cards may NOT be used at automated fuel dispensers*, ATMs, and certain merchant locations such as hotels, gambling establishments, rental agencies, and some online retailers. Gift Cards may not be used for automatic recurring transactions such as internet service providers and health club fees, or internet gambling, or any illegal activity. Gift cards may not be accepted for bill payment transactions. You should check with the merchant to see if they accept Gift Cards for payment. When making a purchase by phone or online, the account information you provide must be the same account information as when you registered your Card; a difference may lead to a declined authorization. Once a purchase is made with the Gift Card, it is not possible to stop. *Gift Cards may not be used at an automated fuel dispenser but may still be used at a gas station if paying inside with a cashier processing the transaction.
Does my Gift Card have a Personal Identification Number (PIN)?
Yes, to use at a Point of Sale purchase to process as a debit transaction; cash back is not available. Your Gift Card is also not useable at an ATM to withdraw cash. To obtain your PIN after Card activation or change your PIN, call the phone number on the back of your Card (866) 902-6082 and follow the prompts.
Should I choose ‘Debit’ or ‘Credit’ on the keypad when using my Gift Card at a business?
If you wish to process the transaction as a debit, choose ‘Debit’ and input your PIN. (See question “Does my Gift Card have a Personal Identification Number (PIN)?” for how to get your PIN) To process the transaction as a credit, choose ‘Credit’ and sign the receipt.
Are there transaction limits?
Purchase transactions are limited to the available balance remaining on the Card. Some merchants—restaurants, hair/nail salons, etc.—preauthorize for an amount slightly higher than the actual transaction to ensure sufficient funds for tips, generally 20% of the transaction. This amount is “held” until the transaction settles and will not be part of the available balance. Only the amount signed for will ultimately be deducted. If the transaction is only a preauthorization and does not settle, the amount can be “held” up to 30 days from the date of the transaction.
To make a purchase greater than the balance on your Card, you will need to use another payment method - cash, check, credit card or debit card - to cover the difference. Tell the cashier the amount to deduct from your Card and how much you will pay with the other method. We do not guarantee the establishment will fulfill this request.
Can I use my Gift Card in a foreign country?
Possibly, but please note these limitations. Gift cards do not have the EMV chip; some foreign merchants may not accept the Gift Card as payment if they require the EMV Chip or for the name to be embossed on the Card. At times prepaid cards may be restricted from use in certain countries due to national security watch lists. Also, some locations may be unable to process debit card transactions and are only able to accept cash payments. Gift Cards cannot be used at ATMS or for cash advances. Purchases made with the Card in foreign currencies will be charged in U.S. dollars. The conversion to U.S. dollars will be made in accordance with Visa operating regulations. No currency conversion fee is assessed.
Are there any monthly fees?
Fees are waived for the first twelve months. After twelve consecutive months of no activity on the Card, a $2.50 inactivity fee will be charged per month to the balance remaining on the Card.
Can I return an item that I purchased with my Gift Card?
Each merchant location has its own return policies so you will need to check with the merchant. If the merchant credits your Card (puts the funds back on), it may take up to 7 days to see the credit.
Who do I contact for a transaction error or if the card is lost or stolen?
You should call customer service at (866) 902-6082.