You can use your PIN to complete your purchases at point-of-sale and for ATM transactions.

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1 Westpac Business Prepaid MasterCard FAQs General Questions Is the Business Prepaid card a credit card? No. The Business Prepaid card has funds loaded on it by your employer. You can use the Business Prepaid card until all funds on the card has been used up. You cannot load value to the Business Prepaid card yourself. Your employer may choose to add additional value to the Business Prepaid card if it is a reloadable card. If it is a non-reloadable card, you can throw the card away once all the funds have been used up, or request a new card from your employer. What are the different types of Business Prepaid cards available? There are four different Business Prepaid card options: Gift Card one-time load, non-chip card, preselected PIN, no cash access Single Load one time load, non-chip card, preselected PIN, no cash access Multiload reloadable, chip and contactless enabled, self-select PIN, no cash access MultiloadPLUS reloadable, chip and contactless enabled, self-select PIN, cash access available If the Business Prepaid card doesn t have my name on it, do I still sign my name on the back of the card? Yes. Even though your name is not embossed on the card, you should sign the signature panel on the back so merchants can validate your identity. What is my PIN? The PIN, or Personal Identification Number, is a four-digit numeric code assigned to the Business Prepaid card account and only known to you. If you ve been issued with the Single Load card your preselected PIN is under the scratch panel on the back of the card. If you have been issued with the Multiload or MultiloadPLUS cards, you will need to log into the Cardholder Portal to activate your card by selecting a PIN. You can use your PIN to complete your purchases at point-of-sale and for ATM transactions. Can I change my PIN? If you have been issued a Multiload or MultiloadPLUS, you can change your PIN by logging into the Cardholder Portal. Your PIN cannot be changed if you have been issued a Single Load card. What if I forgot my PIN? If you have been issued a Multiload or MultiloadPLUS, you can select a new PIN via the Cardholder Portal. If you have been issued a Single Load card, you can find the PIN printed on the back of your card. How can I check the balance on my Business Prepaid card? You can login to the Cardholder Portal to find the balance on your Business Prepaid card. You can also view details of previous transactions you have made. Page 1

2 Using your Business Prepaid card Does my Business Prepaid card need to be activated? If you ve been issued with Single Load card, your card is active when it is issued to you and can be used immediately. If you ve been issued with a Multiload or MultiloadPLUS, the card must be activated before use. To activate your card, login to the Cardholder Portal to select your PIN. Can anyone use my Business Prepaid card? No. Only the person who has signed the back of the card can use any of the Business Prepaid cards. Where can I use my Business Prepaid card? You can use your card to purchase goods and services anywhere that accepts MasterCard, including online, by phone and at over 38 million retail locations worldwide. Your employer may restrict the types of merchant you are allowed to use the Business Prepaid Card at. When using my Business Prepaid card at an EFTPOS terminal, should I select CHQ, SAV or CRD? You should select the CRD (credit) option when using your Business Prepaid card and enter your PIN to complete your transaction. Can I use my Business Prepaid card for online purchases? Yes. Your Business Prepaid card can be used for online purchases. What types of transactions can I NOT use my Business Prepaid card for? You can t use your Business Prepaid card for offline or manual transactions. Offline transactions are transactions that are not authorised in real time. These include unattended EFT terminals such as: car park ticketing machines vending machines some pay-at-pump terminals at petrol stations self-service kiosks certain terminals used by taxis Manual transactions are transactions that use paper vouchers. Can I use my Business Prepaid card for contactless transactions? You can only make contactless transactions if you have been issued with a Multiload or MultiloadPLUS card. Single Load cards are not enabled for contactless transactions. What do I need to know about contactless transactions? If you have been issued a Multiload or MultiloadPLUS card, you can make contactless transactions at any MasterCard PayPass participating merchant. You can make contactless transactions of up to NZ$80.00 without entering your PIN. If the transaction exceeds NZ$80.00, you will be asked to enter your PIN before the transaction is completed. Single Load cards are not enabled for contactless transactions. Can I make recurring payments with my Business Prepaid card? No. You can t make recurring payments with your Business Prepaid card. These payments will be declined by the merchant. Page 2

3 Can I make a purchase that is more than the available balance on my Business Prepaid card? No. Your transaction will decline if you try to make a purchase that exceeds the available stored funds on your card. Can I use my Business Prepaid card to get cash at an ATM? Only MultiloadPLUS can be used to withdraw cash at an ATM, bank branch or other financial institutions. What should I do if my Business Prepaid card is lost or stolen? As soon as you discover the loss or theft of your Multiload or MultiloadPLUS card, login to the Cardholder Portal and block your card. Then contact your employer to report the card as lost/ stolen and request for a replacement card to be issued. The remaining balance on the lost/ stolen card will be transferred to the new card. If you have lost your Single Load card, contact your employer immediately so the card can be blocked. How long can I use my Business Prepaid card? The expiry date of your card is printed on the front of your card. You can t use your card after the expiry date. What happens when I spend all of the funds on my Business Prepaid card? If you have been issued with a Multiload card or MultiloadPLUS card, you can ask your employer to load additional funds to your card. If your card is a Single Load card, you ll need to ask your employer to issue you a new card. Can I load more value to my Business Prepaid card myself? No. The Business Prepaid card is issued by your employer, and only the employer can load additional value at his or her discretion. How can I report a disputed transaction? If you dispute a purchase transaction, contact the merchant that provided the goods or services to you in the first instance. If you can t resolve the dispute with the merchant, or if you believe there is an error regarding your Business Prepaid card account, contact us by telephone or in writing within 60 days of the date of the transaction. Other information you may need to be aware of Hotel Transactions The hotel will verify that the Business Prepaid card has sufficient funds to pay an estimated bill for the number of nights you ve requested. The amount of the estimated bill will be held in your account, making that held amount unavailable for other purchases. When you check out, the hold will be removed and the final bill amount will deducted from the card. Car Rental Agencies Some car rental companies may require that a credit card be used to make a reservation and may not allow a prepaid card to be used for that purpose. However, the Business Prepaid card will always be accepted for final payment (provided there are sufficient funds available). Page 3

4 Petrol Station Transactions Be aware that prepaid cards may not work at some pay-at-pump terminals. At pay-at-pump terminals that can process prepaid cards, they may secure an authorisation/ approval on the card as a set limit above the final amount of petrol you put in your vehicle. Online Purchases Online purchases are subject to the online merchant s security policy governing the acceptance of bank cards. If the Business Prepaid card had sufficient funds and your online purchase was declined by the online merchant, the decline would be based on the merchant s security policy. The transaction amount may be held against the available balance on the Business Prepaid card for seven days, since funds were approved for the online purchase, even though the merchant declined the transaction due to their security policy. Page 4

5 Business Prepaid MasterCards FAQs Gift Card Do I need to PIN my Gift Card? Your Gift Card has a pre-selected PIN in the scratch panel on the back of your Gift Card. Scratch this panel to reveal the PIN. Where can I get information about the available balance on my Gift Card? You can check your available balance of your Gift Card by logging into the Cardholder Portal. You may also check your available balance at most ATMs. A fee applies for ATM balance enquiries. Can I get transaction information? You can view your Gift Card transaction information by logging into the Cardholder Portal. How can I log into the online Cardholder Portal service? Click on Cardholder Portal. On your first login, you will be asked to enter your card number and the access code. The access code is provided to you in the card carrier that you have received with your Gift Card. You will then be asked to create a password. Using your Gift Card Where can I use my Gift Card? You can use your card to purchase goods and services anywhere that accepts MasterCard, including online, by phone and at 38 million retail locations worldwide. Your employer may restrict the types of merchant you are allowed to use the Gift Card at. When you are present and pay for a purchase, simply swipe your card through the EFTPOS terminal and push the CRD (credit) button. Enter your PIN when prompted. Can I withdraw cash from my Gift Card? No. You can t withdraw cash from your Gift Card or redeem the card for cash. What happens if my Gift Card is lost or stolen? You must notify the Account Holder as soon as possible, so the card can be blocked for further transactions. The Account Holder may issue you a replacement card. What are card pre-authorisations? The way that certain merchants charge or process payments can sometimes result in a charge on the card which exceeds the unused value, without the card declining. Common examples are hotels, motels and car rental agencies. You can guard against this by checking your available value regularly, and confirming with merchants (before you authorise a transaction) what they can charge on the card. You must not authorise or allow any transaction on the card where you know, or have reasonable grounds to expect, that it will exceed the unused value on the card. Are there any transactions I can t use my Gift Card for? Your Gift Card doesn't work in "zip-zap" machines (manual imprinters) or ATMs. Your Gift Card can't be used for some taxis, at automated fuel dispensers, for gambling, for direct debits, recurring payments or instalments and for some services where an online merchant requires that your identity be authenticated against the details stored on the card. Page 5

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