NOW Card

How do I get my NOW Mastercard?

Please log into your online account, click “Order Prepaid Card” and follow the instructions on the screen.

How do I activate my Prepaid Card and obtain my PIN?

Your prepaid card can be activated by logging into the site and clicking “Activate” button. You will be asked to enter your card details and then prompted to setup a four-digit PIN.

How long does it take to receive my Mastercard in the mail?

US card holders should receive the card approximately 5 to 10 business days after you place your order. If the card is sent to an address outside US, it may take 4-6 weeks to arrive, depending on the mail delivery process. You do not receive a card or have concerns that it may be lost in the mail, please call Customer Service at 1-877-919-1669.

How does the NOW Prepaid Card work?

NOW Prepaid Mastercard is a reloadable card, which can be loaded only with commissions you earn through participating program; funds from other sources may not be loaded onto this card balance. You can use NOW Mastercard anywhere Mastercard is accepted and spend up to the value placed on the card within permitted daily limits. You can shop in stores, online, over the phone, and by mail order. You can get cash at participating ATMs locations worldwide. Each time you make a purchase, the amount of that purchase is automatically deducted from the card.

How do I use my NOW Mastercard Prepaid Card?

Use your NOW prepaid card like a regular debit or credit card at checkout: insert the chip or swipe it at the terminal, give it to the cashier if requested, or withdraw funds from an ATM. Your purchase will automatically be deducted from the card balance. The card must be activated and have sufficient balance to complete the purchase or ATM request.

How do I use my NOW Mastercard Prepaid Card?

Use your NOW prepaid card like a regular debit or credit card at checkout: insert the chip or swipe it at the terminal, give it to the cashier if requested, or withdraw funds from an ATM. Your purchase will automatically be deducted from the card balance. The card must be activated and have sufficient balance to complete the purchase or ATM request.

Where can I use my NOW Mastercard Prepaid Card?

Use your NOW prepaid card anywhere Mastercard is accepted, including millions of locations worldwide plus online, mail and phone orders. You can also use your card to pay bills online and withdraw cash from the ATM with Mastercard logos.

Why is there a hold on my money?

Gas stations, hotels and car rental agencies frequently preauthorize a transaction, which means they place a hold on your card until they know the final amount owed. Here are some common situations when an authorization hold will apply if you use your NOW Mastercard prepaid card.

• Using the card to pay for gas at the pump.
  You choose to pay for gas at the pump using your NOW Mastercard. Let’s say you fill your gas tank with $35.00 worth of gas. However, a temporary authorization hold of up to $100 or more may be placed on your Card Account. Typically within three days, the transaction will settle for only the actual amount of the gas purchased. That means the additional funds that were being held will be released back to the card, thus making those funds ($65.00 or more, depending on the amount of the hold) available to you. Note: you can avoid the authorization hold by paying with the NOW Mastercard at the cashier inside the gas station instead of paying at the pump.
• Using a NOW Mastercard to pay for a car rental.
  You can use a NOW Mastercard at car rental agencies that accept prepaid cards. However, they usually require a deposit of 15 percent more than the cost of renting the car. The rental agency will put an extra hold on the account for that amount of money and the hold could last for a couple of weeks. We suggest that you call the car rental agency to inquire about how much they require for a standard deposit if paying with a prepaid card and how long a typical authorization hold on a prepaid card will last.
• Using a NOW Mastercard to pay for a hotel room.
  You can use a NOW Mastercard at select hotels that accept prepaid cards to make a room reservation. However, you should expect the hotel to place a hold on your card. The hold will typically cover the hotel room rate plus an additional 15 percent, and the funds will be held until the hotel settles the transaction. A typical hotel authorization hold could be released the day of checkout, or the hold could take up to several weeks to be settled and released. We suggest that you call the hotel to inquire how much a typical authorization hold is for hotel rooms if paying with a prepaid card, and how long a typical authorization hold on a prepaid card will last.

How do I get my NOW Mastercard Prepaid Card balance?

Your card balance is available via your online account, NOW app, or by calling IVR.

How do I close my NOW Mastercard Prepaid Card?

Call the phone number on the back of the card.

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

You should immediately contact Customer Service via our toll-free number, 1-877-919-1669. Or, you can login to your online account to report your card lost or stolen. From the main menu, select ‘My Account’, ‘My Prepaid Cards’ and then ‘Report Card Lost/Stolen’. You will also be able to order a new card.

Why is there a hold on my money?

Gas stations, hotels and car rental agencies frequently preauthorize a transaction, which means they place a hold on your card until they know the final amount owed. Here are some common situations when an authorization hold will apply if you use your NOW Mastercard prepaid card.

• Using the card to pay for gas at the pump.
  You choose to pay for gas at the pump using your NOW Mastercard. Let’s say you fill your gas tank with $35.00 worth of gas. However, a temporary authorization hold of up to $100 or more may be placed on your Card Account. Typically within three days, the transaction will settle for only the actual amount of the gas purchased. That means the additional funds that were being held will be released back to the card, thus making those funds ($65.00 or more, depending on the amount of the hold) available to you. Note: you can avoid the authorization hold by paying with the NOW Mastercard at the cashier inside the gas station instead of paying at the pump.
• Using a NOW Mastercard to pay for a car rental.
  You can use a NOW Mastercard at car rental agencies that accept prepaid cards. However, they usually require a deposit of 15 percent more than the cost of renting the car. The rental agency will put an extra hold on the account for that amount of money and the hold could last for a couple of weeks. We suggest that you call the car rental agency to inquire about how much they require for a standard deposit if paying with a prepaid card and how long a typical authorization hold on a prepaid card will last.
• Using a NOW Mastercard to pay for a hotel room.
  You can use a NOW Mastercard at select hotels that accept prepaid cards to make a room reservation. However, you should expect the hotel to place a hold on your card. The hold will typically cover the hotel room rate plus an additional 15 percent, and the funds will be held until the hotel settles the transaction. A typical hotel authorization hold could be released the day of checkout, or the hold could take up to several weeks to be settled and released. We suggest that you call the hotel to inquire how much a typical authorization hold is for hotel rooms if paying with a prepaid card, and how long a typical authorization hold on a prepaid card will last.

Can I use my NOW Mastercard online?

Yes, your Mastercard Card can be used anywhere Debit Mastercard card are accepted – online, in stores, and over the phone.

How can I withdraw cash with my NOW Prepaid Card?

You can use your Prepaid Card and PIN to withdraw cash at any ATM that accepts Mastercard.

What is the fee for withdrawing money at an ATM?

Please refer to your card fee schedule for a complete list of fees. Any fees charged by the ATM owner are disclosed at the time the transaction is initiated and you’re given the option to discontinue the transaction if you don’t wish to pay the fees.

How is currency conversion charged to my account?

If you are making a payment in foreign currency, Mastercard network will determine the amount of your card currency that needs to be collected; you will also see a 3% surcharge following such transaction.

Are there transaction or reload limits?

Please refer to the limits schedule for a complete list of limits. For the protection of our Mastercard prepaid cardholders, there are limits to the number and dollar amount of reloads, ATM withdrawals and purchases performed within a certain time period.

Will I receive statements showing charges on my Prepaid Card?

No. You will be able to login online and view your usage history.

What if the purchase is declined?

If a decline occurs, the available balance may be less than the purchase amount. You should inform the merchant of the card’s available balance and use another form of payment to perform a split transaction, subject to the merchant’s policy. If you use your Card at an automated fuel dispenser (“pay at the pump”), the merchant may preauthorize the transaction amount up to $75. If you use your Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any preauthorization amount will place a “hold” on your available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed which may take up to 24 hours. During the hold period, you will not have access to the preauthorized amount.

What is an Authorization Hold?

An authorization hold is a temporary hold on the funds available on your prepaid card for the amount of an authorized transaction. It generally will be released within three business days after the date it was authorized. However, certain merchants, especially rental card companies, hotels and others that authorize high dollar amounts may cause an Authorization Hold to remain in effect for up to 30 days. If you are unsure of a merchant’s policy, it is best to ask before presenting your Prepaid Card.

What if my PIN is not working?

If you forget your PIN, log into the prepaid card website call the phone number on the back of the card to recover or reset your card pin.

How do I get a new Prepaid Card if my current card expires?

Please contact support team via email or phone to get a new card if your current one expires.

What if my question isn't answered here?

If your question isn’t listed here, please contact our Support Team by email or calling the number on the back of the card.

Does the cardholder need to sign an agreement?

No, you agree to the card Terms and Conditions when you complete your order.

Can I set up direct deposit of my paycheck from another employer to my Prepaid Card?

No. Card can only be loaded with commissions/earning from participating program.

What happens if I am unable to login to the website/mobile app and do not remember my password?

Please click “Forgot password” or reach out to our Support Team to reset your password.

How do I dispute a charge from a merchant?

Please follow the below steps to dispute a charge on the card.

• Download the NOW Card Dispute Form.
• Fill all the relevant information on the form.
• Please send the completed form to nowcard.dispute@globalewallet.com

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