Here are the most common questions asked about Visa Payroll cards. When you’re ready, you can request Visa Payroll where you work or learn all the ways you can use your card.

What is a Visa Payroll card?

A Visa Payroll card is a prepaid Visa card that can be obtained through your employer and have your pay deposited directly onto it instead of getting a paper check. You can use the card for making purchases wherever Visa debit is accepted or to get cash from an ATM. You can use it to make purchases or shop online.

How do they work?

After you receive a Visa Payroll card from your employer, your pay is automatically deposited onto your card each pay period.

Your card carries the Visa logo, so you can use it anywhere Visa debit cards are accepted — in stores, online or over the phone. Because it is a prepaid Visa card, spending is limited to the amount of money you load on the card. Each time you use your card, the purchase amount is automatically deducted from your card balance.

How can I get a Visa Payroll card?

Ask your employer if they offer the Visa Payroll card. If you know they don't offer it yet, you can ask them for one.

Why should I get one?

The Visa Payroll card gives you immediate access to your earnings, eliminates check-cashing fees, and provides greater security and convenience. You won't have to carry around cash any more and if your card is lost or stolen, it can be replaced with your funds intact. You can also make purchases and pay bills anywhere Visa debit cards are accepted and you can access cash at ATMs or from tellers at banks that accept Visa. You can even get cash back with purchases made at many grocery and convenience stores.

Where can I use my card?

You can use your Visa Payroll card online, over the phone, and at the millions of places that accept Visa debit cards — including restaurants, supermarkets, pharmacies, clothing stores, drug stores, gas stations, and more.

How do I get cash at an ATM?

To get cash at the ATM, insert your card into the machine and enter your PIN. (See your card provider's information for instructions on getting a PIN.) Select "checking" to make a withdrawal and enter the amount of cash you want to withdraw. Then take your cash, card, and receipt to keep track of your balance.

What is Visa ReadyLink?

Visa ReadyLink is a simple and cost-effective way to add cash to your Visa Payroll card. If you have a participating and eligible Visa Payroll card, take your money to a Visa ReadyLink location and simply load it onto your card. Contact your card provider to see if you can reload your Visa Payroll card with Visa ReadyLink. Find a ReadyLink location here.

What should I do if my card is lost or stolen?

Report lost or stolen cards immediately to your card provider that issued your card by calling the toll-free number listed in the card materials.

How do I check the balance on my card?

You can check the card balance at your card provider's web site or by calling them directly. Keeping track of your balance is a sure way to know how much you have to spend. The provider issuing your card may also allow you to check your balance at ATMs or by receiving text alerts. Contact your specific provider to learn about the balance-checking options they offer.

What if I want to purchase an item that costs more than the balance on my card?

To make a purchase greater than the balance on your Visa Payroll card, you will need to use a second payment method — cash, check, or credit card — to cover the difference. When making your purchase, you must tell the cashier in advance how much to deduct from your card and how much you will pay with the second payment method. However, not all merchants can handle these "split tender" transactions; and, if you try to purchase an item of greater value than your card balance, your card will be declined.

What should I do if my card is declined?

If a transaction is declined, the merchant will let you know. To prevent this, keep track of your balance by visiting the web site or calling the phone number provided with your card.

What if I change my mind and want to cancel a purchase?

If the merchant cancels a transaction at your request, it may take three to seven days for the authorization hold in the amount of cancelled purchase to be removed from your card. Contact your card provider for specific details about authorization holds.

What if I need to return an item that I purchased with my card?

Present your Visa Payroll card at the time of a merchandise return. If the merchant's return policy allows it, the merchant will credit the amount of the purchase back onto your card.

Remember to save your purchase receipts in case you have merchandise returns. When returning an item purchased online, have your card number available in order to process the return. The merchandise value will be credited back to your card within three to seven business days.

What happens to my Visa Payroll card if I leave my company?

You can always take your Visa payroll card with you, just like any other prepaid Visa Debit card. That means you can use your Visa Payroll card for direct deposit at your new job — or for other direct deposits like your tax refund. Plus, you can use it anywhere Visa Debit cards are accepted. Plus, Visa Payroll cards are secure so only you can see your transaction history and account information.