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Prepaid MasterCard®

Frequently Asked Questions


  1. What is a Prepaid Card?
  2. How do I load money onto the Prepaid card? What about reloads?
  3. What is the maximum/minimum that I can load onto my Prepaid card?
  4. How do I use my card at an ATM?
  5. What is my PIN and what is it used for?
  6. How do I change my PIN? What happens if I forget it?
  7. Can I use my card to shop online?
  8. Can I use my card to rent a car?
  9. Can I purchase gas at the pump with my Prepaid Card?
  10. What is a pre-authorization?
  11. How do I share money with my Prepaid Card?
  12. How do I check my balance?
  13. What are the fees associated with the card?
  14. How do I close my card?





  1. What is a Prepaid Card? A Jpay Prepaid Card is a payment and cash access product that is used similar to a checking account, the difference is that money must be first placed on the card. The card balance must be equal to the money loaded minus fees charged for card usage. The Jpay ™ Prepaid MasterCard can be used anywhere Debit MasterCard are accepted. The card can also be used at thousands of ATMs in the United States and worldwide for cash withdrawals.


  2. How do I load money onto the Prepaid Card? What about reloads? You can place money on your card by bringing a check or cash to any Western Union ™ location.


  3. What is the maximum/minimum that I can load onto my Prepaid Card? The maximum and minimum amounts loaded on the card are based on the type of prepaid card product that you have. Personal Spending cards can be one time loaded up to $2,500 and carry a balance up to $5,000.


  4. How do I use my card at an ATM? Your Prepaid Card, not Gift card, may be used to withdrawal cash at thousand of ATM locations in the United States and worldwide. You will need your card and your PIN, personal identification number, to use your card at an ATM. Your PIN will be provided once that you activate your card.


  5. What is my PIN and what is it used for? A PIN is a 4 digit numeric code used to identify and authenticate you as the customer to an ATM. You will receive your PIN when you activate your card. Please remember this number, and do not, for any reason, share it with anyone. Please note as well that we will never ask you for your PIN if you call us for customer service.


  6. How do I change my PIN? What happens if I forget it? You can change your PIN by accessing our website and selecting the Change PIN function. You can also call us and we can reset your PIN over the phone as well. Our customer service can help you with your PIN in the event that you forget it as well. Please call 1-866-777-5729 from the United States, and 1-305-893-8960 from outside of the United States.


  7. Can I use my card to shop online? Yes you can. Many retailers will ask you, in addition to the card number and expiration date, for your name and address. This is another reason why you should register your card with your complete and correct name and address. You can call 866-777-5729 and request that the card address be updated with your home address.


  8. Can I use my card to rent a car? Yes. Your card can be used to reserve and rent a car. Please be aware that the rental car company will place a pre-authorization on your card balance. Discuss this with them and make sure that you have enough money on the card to cover the pre-authorization. Also, when returning the car, you might ask the rental company to charge your card for the exact amount of the rental and release the pre-authorization.


  9. Can I purchase gas at the pump with my Prepaid Card? Yes. Please be aware that the gas station will pre-authorize the card for an amount ranging from $50 to $100. Please make sure that you have enough money on the card to cover the pre-authorization. Once that you are finished at the pump, you can also request that the merchant charge the card for the exact amount and release the pre-authorization.


  10. What is a pre-authorization? In situations where the exact fee for a service or good until after the service/good has been received, the merchant may apply a pre-authorization for a specific dollar amount. Examples include car rentals, hotels, airline tickets and gas stations. Pre-authorizations are used to reserve a certain amount from your card to make sure that money is available to complete the transaction once that the final amount in known. Pre-authorization charges are usually reversed in 7 to 10 business days once that the actual charge is applied to the card. We advise all cardholders with pre-authorizations to check their balance via our web site www.releasecards.jpay.com and contact the merchant if the pre-authorization is not released.


  11. How do I share money with my Prepaid Card? Money share with your relatives, friends and loved ones is one advantage of the JPay ™ Prepaid Card. The preferred way to money share is with a Companion Card or another Prepaid Card that can be requested by the Cardholder and registered to another party. Once provided, the Prepaid Card cardholder can move money via the website www.releasecards.jpay.com or by calling Card Services customer service at 1-866-777-5729 from the United States, and 1-305-893-8960 from outside of the United States.


  12. How do I check my balance? You can check your balance by visiting our website releasecards.jpay.com or by calling our Interactive Voice Response line at 1-866-777-5729 . You will need to know your card number and your PIN to check your balance at our web site and over the phone.


  13. What are the fees associated with the card? Card transactions may result in fees being applied to your card. Fee transactions may include, but are not limited to, loads and ATM withdrawals. The fee schedule for your card was provided to you with the Cardholder Terms and Conditions document that you received when you obtained your card. The Cardholder Terms and Conditions can also be found at the website www.releasecards.jpay.com.


  14. How do I close my card? You can close your card by contacting Card Services at 1-866-777-5729 from the United States, and 1-305-893-8960 from outside of the United States and requested a card close. You will receive a check in the mail for the available balance on the card at the time of close minus the fee for closing the card and disbursing a check.


This card is issued by University National Bank ™ member FDIC pursuant to license by MasterCard International.