What is the UPside service and the UPside prepaid card?
The UPside card is a prepaid, reloadable spending card that can be used everywhere Visa Debit is accepted. Because it's a prepaid card, spending is limited to the amount of money loaded onto the card. The purchases made with your UPside card are decremented from the available balance. Loads are made by card account owners onto the card as needed from their own bank account or credit card, cardholders can also load the card with cash or receive direct deposit from an employer. And, unlike most other reloadable spending cards, the UPside card provides reward points for cash back credited onto the card balance.
The UPside Visa Prepaid Card can be used as a budgeting tool for a child's spending. With UPside, the parent and child decide together the amount to spend. With immediate access to online statements, a child can review his/her spending along with the parent, and together discuss how they can develop and maintain financial responsibility in spending decisions, using our educational tools provided. As well, with instantaneous funding, the parent has the peace of mind that their child will never be without money in an emergency. The UPside card is the most powerful and effective means to help develop responsible spending behaviors, while still having the freedom to shop everywhere Visa is accepted.
Why would I sign up for UPside instead of a traditional checking account or credit card?
Unlike a credit card, the UPside Visa Prepaid Card does not have a line of credit. Therefore, the cardholder is unable to go into debt or spend more money than the balance. And, with UPside, you do not pay for incoming bank account ACH loads, unlike with most retail banks. It is a great solution to teach a child how to spend money wisely and not overdraft or go into debt.
The UPside service and UPside prepaid card are operated by Plastyc Inc, based in New York, NY. The UPside Visa Prepaid Card is issued by Metabank in Sioux Falls, SD.
I have not received emails from UPside?
If you did not receive emails from UPside within 10 minutes please check your spam filter and add uspide.visa@upsidecard.com to your trusted senders or safe list. In some cases html content is marked as spam by some email providers. Be sure to check your spam folder.
Unlike most of our competitors, either the cardholder or card account owner is able to begin registering for an UPside Visa Prepaid Card. The card account owner must complete the registration before the card can ship. All cardholders must be at least 13 years of age to get an UPside Visa Prepaid Card. To begin registration, click here.
Whose name is embossed on the card?
The name of the cardholder is embossed on the card.
The card is sent to the billing address provided at enrollment. If a debit/credit card is used to fund the prepaid account, for security purposes, we always ship the UPside card to the billing address of that same credit card. Please note that we cannot ship to PO Boxes.
How long does it take to receive my UPside card once I've registered?
Once enrollment is completed you should receive your card within 7-10 business days. Please note that the card comes in a plain white envelope with UPside in the top left corner.
I received my card. How do I activate it?
You can activate your card from your online card account or by calling our customer service number at 866-845-6273. You will need your Customer Service Access Code (CSAC) or last four digits of your SSN. Remember, if you activate online you will receive 500 cash back points!*
*Online activation must occur within 60 days of enrollment to receive cash back points.
I have not received my card in the specified time. What do I do?
If you registered with UPside more than 10 business days ago and you have not yet received your card, please call customer service at 866-845-6273 or email us at cs@upsidecard.com.
How do I change the UPside plan I currently have?
In order to change plans, account owner will need to do the following: - Log into your online card account at www.upsideaccount.com.
- Re-register the cardholder for your desired plan by selecting "Sign Up New Cardholder." A new card will ship.
- Email us at cs@upsidecard.com when the card arrives and we will transfer all funds to the new card and close the old one.
Where can I use the UPside card?
You can use your UPside Visa Prepaid Card anywhere Visa debit cards are accepted, both online and in physical stores. You may also withdraw cash at ATM terminals with the Visa or Interlink logo (not available on the Clear plan).
Who can use the UPside card?
Only the cardholder whose name is on the card may use the card.
Can someone else use my UPside card?
Absolutely not. Keep your UPside card, including the card account number, under your control at all times. And do not tell anyone your PIN, not even your best friend.
How do I use the UPside card in a store?
When swiping the card at a retail store terminal, choose either "credit" or "debit". If you choose credit you can simply sign the receipt - if you chose debit you just need to enter your PIN number (which you get by calling customer service and can change after activating and registering your card.) Please note, not all merchants accept PIN transactions. If that is the case, just select credit and simply sign the receipt.
What are the differences between what the cardholder and card account owner can do?
The card account owner (usually a parent) is able to load funds onto the card and monitor spending done by the cardholder. They can also set-up allowances and manage the card status.
The cardholder is able to make purchases using his/her UPside card, load funds with cash, send DDA load details to family and employers, monitor spending and rewards account, and send money to other UPside users.
How do I use the UPside card online?
You can use your UPside Visa Prepaid Card online anywhere Visa debit cards are accepted. When checking out, enter your billing information as asked. The billing address is the address you provided at registration. If you would like the merchandise shipped to another address, enter shipping information accordingly.
Can I use the card to withdraw cash?
ATM use is available for Edge and Access cardholders (not for the Clear plan). Cash can be withdrawn from any ATM with a Visa Debit sign, using the card and PIN (personal identification number). Insert the card into the machine, enter your PIN, and press the cash withdrawal option. When prompted to choose an account from which to withdraw funds; select credit card cash advance, enter the amount, and receive the cash. Withdraw up to $200 for a single withdrawal and up to $500 in a 24-hour period.
POS register cash back is not available.
Please note ATM withdrawal is not available in all countries. For a list of these countries, contact us at cs@upsidecard.com.
Will I be charged for transactions at specific merchants?
No. There are no fees attached to spending money on your UPside Visa Prepaid Card.
Can I track my transactions for any period?
Yes. For cardholders, we have automatically provided transaction logs for the last 30 days and 60 days, available on the transaction section of your online card account. If you would like to see transactions for another period, click the Statement tab and follow the directions.
Card account owners can find detailed statements monthly by selecting the "View Statements" option in the pull-down menu on their online card account.
How can I find my balance?
You are able to check your balance in four ways: - Online by logging onto your online card account
- By calling customer service at 1-866-845-6273
- By using your cell phone's internet browser and logging into your prepaid account at m.upsidecard.com (cardholders only)
- From your Facebook UPside Application (cardholders only)
Can I make a purchase larger than my balance?
No. You cannot access more than the available balance on your UPside card. However, if you know your available balance before you make a purchase, you may ask the merchant if you can pay the balance of your purchase with cash or another form of payment.
Are there purchase limits to the card?
You can make purchases up to $1000 per transaction (or up to the card balance if there is less than $1000 on your card), and up to twelve transactions in a 24-hour period.
How do I return a purchase?
We advise that you keep all of your receipts until your transactions are posted on your online card account. Should you need to return an item, return the purchased item to the merchant with the receipt. The merchant will process a credit back to your prepaid card account for the value of the returned item. The credit should appear on your online card statement usually within a week of the return.
How do I dispute a transaction?
In order to dispute a transaction, please call customer service at 866-845-6273 and speak to a live agent. You will need the transaction date and amount. They will provide you via email with a dispute form to fill out.
What are my rights if I dispute a charge?
Federal law may limit your liability for unauthorized use, but it may not provide for no liability. Under the Visa Zero Liability Policy, you may incur no liability for unauthorized use of your card provided you notify us within a reasonable time of the loss or theft of your card or its unauthorized use. Please refer to the Cardholder Agreements Terms & Conditions for additional information pertaining to your rights concerning unauthorized use of your card.
Why does the amount of the transaction on my card account not match the amount I was expecting it to be?
For financial transactions at certain types of merchants, such as restaurants, gas stations, hotels, and mail order retailers, there is an authorization amount and a settled amount and these amounts are usually different. This occurs when the actual amount of your purchase is not immediately available; for example, you may add a tip to the restaurant bill, you may pump gas yourself at an automated pump, you may decide to extend your stay in a hotel room or the use of a rental car.
For example, this will occur when you use your UPside Visa Prepaid Card at a restaurant. The transaction is authorized for an amount greater than the actual amount because the restaurant does not know yet if you are going to add a tip to your bill after it is run through the system. Therefore, if the actual amount of your restaurant bill is $15, the restaurant may actually authorize it for $20. $20 is the authorization amount that will initially be deducted from your UPside card account. If you add a 15% tip to your bill ($2.25), the actual amount of your bill will be $17.25. When the merchant sends through the actual bill, the settled amount will be $17.25 and the difference between the authorization amount ($20) and the settled amount ($17.25) will be added to your available balance. If the settled amount is greater than the authorization amount, then the difference will be deducted from your available balance. Depending on the merchant, the adjustment could take a few days.
If a merchant does not send in a settled amount within a specified number of days (specified by the Issuer), the authorized amount of the transaction (in the example above this would be $20) will be added to your available balance. See next question for more information.
Will merchants hold funds greater than the purchase?
As mentioned above you need to remember that some merchants hold a reserve of more money than what you may actually mean to spend. If this does occur with your UPside prepaid card the system may hold this reserve amount up to 4 business days. In some instances a hold could take up to 15 days to fall off. If this happens, please contact merchant to verify that they are OK to release the hold on your card and ask them to send us a fax at 718-228-8178 with a written statement (including card number, amount, date, and transaction reference number) that they renounce the hold and that we can remove it sooner than the hold period.
Can I use the card internationally?
Yes. The UPside Visa Prepaid Card is accepted at most merchants worldwide accepting Visa Debit. Please note that the UPside card may not be able to be used in all countries. For a list of excluded countries, please contact us at cs@upsidecard.com.
What is my Customer Service Access Code (CSAC)?
The Customer Service Access Code (CSAC) is a four-digit number that is used to identify card account owners and cardholders when contacting customer service. The cardholder created his/her CSAC when the online card account was created. The account owner's CSAC is the last four digits of his/her Social Security Number.
How do I get my Personal Identification Number (PIN)?
Your PIN will be selected automatically for you when you register online. You will get your PIN information when you activate your card. You are, however, able to change your PIN at any time (see below).
Yes. You may change your PIN by calling Customer Service at 1-866-845-6273. You may change your PIN once at no cost. Any subsequent changes of your PIN will be charged a fee.
What should I do if I've forgotten my PIN?
Please call customer service at 866-845-6273 and follow the automated prompts to "To hear or change your PIN."
What do I do if the card is lost or stolen?
Please call customer service immediately at 866-845-6273 to mark your card lost/stolen and have a new card shipped.
Can I suspend the card and reactivate it later?
Yes. Both a cardholder and card account owner can suspend a card at any time online or by calling customer service. Please call customer service to unsuspend the card. Please note only the card account owner is able to call to unsuspend the card.
How do I close my card account?
We recommend that you remove all of the funds remaining on the prepaid card account by making an ATM withdrawal or purchase goods or services in a merchant transaction so you do not incur any of the account closure or check issuance fees. If you would like to close your account immediately with funds remaining, you may request a check by contacting customer service, in which case a $12 check issuance fee and account closure fee may be applied.
How can I receive funds to my UPside card account?
The card account owner may load funds onto the card from their online card account at www.upsideaccount.com or by calling customer service. Funds may come from either a checking account or credit/debit card in the name of the card account owner. The cardholder is able to share their DDA information with family and employers (located on their online card account).
What type of funding sources can be used and how many?
Card account owners can use up to 3 funding sources (bank account, credit or debit card) to load funds directly from their online account, only one of which can be a bank account. Cardholders are able to give their direct deposit details to their employer.
Can an allowance schedule be set-up for the cardholder?
Yes. Once the card account is activated, the card account owner is able to set up an allowance schedule for any period or amount he/she chooses. Please note that if an allowance schedule is created from an ACH bank transfer the load date will be 3-5 business days after the allowance schedule states.
We recommend not scheduling the allowance for the end of the month; any date that does not occur in all months (e.g. 29-31) will not load if that date does not occur.
How does a cardholder know if the card account owner has set up an allowance schedule?
The cardholder is able to see if the card account owner has set up recurrent funding in the "Fund my UPside Card" section of their online card account. In this section, they are also able to see how much and on what day(s) they will receive these funds.
Can I get a direct deposit number and routing number to give to an employer or benefits provider?
You are able to get Direct Deposit information by logging into your online card account and clicking on the Direct Deposit tab in the funding window. You will need to print this information and give it to your employer. This information may also be used for other family members or friends that would like to load funds to the prepaid card account, perfect for birthdays and special occasions.
How does the card account owner add a linked bank account to load funds?
In order to set up bank account details for loads, the card account owner will need to do the following two things: - Fax/Send the Bank Account Authorization Form (BAAF) located on the right-side menu of the online card account at www.upsideaccount.com and we will verify the details with the funding bank. This only needs to be done once.
- Enter the same details to the online card account by selecting "Manage Payment Methods."
A card account owner may initiate a load once the funding details have been entered online, but it will not complete until we have verified the details. The first load can take up to 7-10 days. Subsequent loads will take 3-5 business days.
Why do I need to send in a Bank Account Authorization Form (BAAF)?
We require that a Bank Account Authorization Form (BAAF) be submitted, either by fax or mail, so that we can contact the funding bank and verify the funding details. This form only needs to be sent once, or whenever the funding details change.
How long does it take until the funds appear on the balance provided by UPside?
Funds originating from a credit or debit card appear immediately upon loading. Loads from ACH/bank load can take up to 5 days. If the funding source does not have enough money, the load will be denied.
What do I do if I've loaded funds and they have not appeared on my balance yet?
If it has been over 5 business days for an ACH/DDA bank load to appear on the card balance, please check with the funder/funding bank to make sure they have your correct direct deposit/ACH information and that the funds have been transferred. Also, please make sure the Bank Account Authorization Form has been submitted and the banking details have been added correctly. If yes, please contact us at 866-845-6273.
Credit/Debit card loads should appear instantly. If the funds have not appeared, please contact customer service at 866-845-6273.
Pricing and value load limits.
Where do I purchase a MoneyPak?
MoneyPaks are available at over 50,000 merchants nationwide, including WalMart, CVS, Walgreens, 7-11, and more. For a list of merchants near you, click here.
Are there any fees attached to buying or redeeming a MoneyPak?
UPside does not charge you for purchasing or redeeming a MoneyPak. The merchant will charge $4.95 at the time of purchase.
How to I redeem a MoneyPak?
You can redeem a MoneyPak directly from your online card account after you have logged in. Enter your MoneyPak PIN in the Cash tab of the funding window. You may also enter your MoneyPak PIN on your UPside mobile website at m.upsidecard.com
If you have loaded cash through the MoneyPak network directly from the cashier at 7-Eleven, your funds will load within 10 minutes. You do not have to redeem anything on our website.
If you go to a 7-Eleven store, you have the option of either buying a MoneyPak or doing a "swipe load" without buying a MoneyPak to load cash. For a swipe load, simply take your UPside card and cash to the register and tell the cashier that you like to make a Green Dot Swipe Load. The cashier will swipe your card and add your cash directly to your UPside card. A service fee of $4.95 will be charged.
Are there any limits to how many MoneyPaks I redeem or how much I load?
Pending cardholders can redeem one MoneyPak before activating the card. Active cardholders can redeem the following (up to the maximum balance and load limits): - $1000/24 hours (4x)
- $3000/week (7x)
- $5000/30 days (20x)
My MoneyPak does not load onto my UPside card.
Some merchants request that you wait for up to one hour before redeeming your MoneyPak. If you have loaded cash through the MoneyPak network directly from the cashier at 7-Eleven, your funds will load within 4 hours.
If it has been longer than one hour, please contact GreenDot directly at www.moneypak.com.
My funding source details have changed, what do I do?
In order to change funding details to load funds onto a card, card account owners will need to change the funding details on their online card account at www.upsideaccount.com. Please note card account owners can only store up to 3 funding sources. If the ACH bank account details are changed, the card account owner will need to send a new Bank Account Authorization Form.
How do I request a check to be sent?
The online check writing service is available to anyone 18 or older (not available for Clear members). To request a check, log into your online card account and select the "Write a Check" button. You will need the following information for the Payee (receiver): - Name (or Company Name)
- Address
- Amount of Payment
Once submitted, the amount of the check will be debited from your prepaid card account (either immediately or 24 hrs before your requested date of issuance) and a check will be created in your name and sent automatically on your behalf, you don't need to do anything further.
When do I need to request a check to be sent immediately?
You will need to request a check by 12pm EST in order for the check to be sent within 24 hours.
Can I request a check for a later date?
Yes, you can request a check to be sent for a later date. Please note that the funds will not be removed from your card account until 24 hours before the date the check is sent. If there are not enough funds available, your check will be declined and not sent.
Can I stop a check I previously requested?
Yes, you can stop any check that has not been cashed by the payee (receiver) by logging into your online card account and clicking the Stop Check icon next to the check you would like to stop. If the check shows "Sent" on your dashboard, you will need to contact customer service at cs@upsidecard.com .com to have the money refunded.
Do I need to sign the check?
No, the check will be written and issued by Plastyc Inc. on your behalf. Like a cashier's check, it is not signed by you but by a person with signature authority on the MetaBank account.
What happens if the check cannot be delivered?
If the check cannot be delivered to the address provided, the amount of the check will be refunded to your prepaid card account balance within 20 to 180 days after the check was returned back to the originating address.
What fees are involved to send a check?
See fee list below:
| Issuance fee | Decline Fee | Stop Check Fee |
|---|
| $1.00 per check issued. | $2.00 per decline due to insufficient funds* |
No charge if the issuance is cancelled 24h before the check is issued.
$25.00 after the check is issued.
|
What is the cell phone direct prepaid purchase service?
This service is available to cardholders who are 18 or older. With the cell phone direct prepaid purchase service you are able to pay in US dollars for a prepaid cellphone service without having to purchase buckets of minutes from a phone store. The prepaid cell phone can be yours or a third party's such as family and friends abroad. You just need to provide the prepaid cell phone number you wish to purchase service for and select the amount you are willing to devote to the purchase in US dollars. The cell phone account can be yours or a friend's as long as: - It's a prepaid cell phone, i.e. not a postpaid phone where the phone operator sends a bill to be paid at the end of a usage period.
- It's a phone with one of the participating carriers.
How much does the cell phone direct purchase service cost?
The cell phone service is free for all UPside cardholders, meaning that we do not take a fee out of the amount of US dollars you send for the cell phone service. We do not buy bulks of minutes and mark them up: we simply transfer your payment in US dollars. Click here for a full Terms & Conditions.
In which countries can I do a direct prepaid cell phone service purchase?
You can do a direct purchase of to prepaid cell phone service in the following countries: | Bangladesh | Dominican Republic | Jordan | Nepal | Senegal | | Brazil | Egypt | Kazakhstan | Pakistan | Sri Lanka | | Cameroon | Fiji | Laos | Peru | Turkey | | China | Haiti | Malaysia | Philippines | USA | | Colombia | India | Mali | Poland | Venezuela | | Cuba | Indonesia | Mexico | Russia | Vietnam |
How do I make a direct prepaid cell phone service purchase?
You make a service purchase directly from the Cell Phone Service window on your UPside online card account. You will need the prepaid cell phone number, and the amount in US dollars that you intend to devote to the purchase (not more than your UPside card account balance). When logged in, just provide the prepaid cell phone number you wish to purchase service for and select the purchase amount in US dollars. The cell phone account can be yours or a friend's as long as: - It's a prepaid cell phone, i.e. not a postpaid phone where the phone operator sends a bill to be paid at the end of a usage period.
- It's a phone an account with one of participating carriers.
How long does it take for a direct prepaid cell phone service purchase to be effective?
The purchase of service is done in real-time and should not take longer than a few seconds to be effective on the recipient's prepaid phone.
How will the recipient know I've made a cell phone service purchase?
The owner of the cellphone will receive a text message informing him/her of the purchase. You can also use the message field to send a free short message to the recipient.
eBillme is available to any cardholder who is 18 or older and in good standing for 3 months and has loaded $1000 or more. The eBillme window will appear on your online card account automatically at that time.
eBillme is a third-party service provider that allows cardholders to receive payments from almost any bank account. You can use this service to get funds from family members, friends or even customers.
Many traditional banks don't allow online money transfers to an individual's bank account; most BillPay services allow transfers only to utility companies, insurance companies, etc. If you need to receive money from family members, friends, or customers, eBillme is a simple way to receive that money without the sender of the funds having to go to their local bank branch and wait in those tiresome lines.
You send a request to the funder directly from your UPside online card account. The sender of the funds will receive an email that is unique to your request with a clickable link to eBillme. Once on the eBillme website, the sender of funds will enter their information to receive bank transfer information for eBillme. They will then go to their banking website and use that bank's BillPay service, just like paying a utility bill. Once the payment clears, you will receive your funds.
Can a funder send money without a request being made?
No. Though technically they can initiate a debit from their bank account, the credit will not go through to the card and will be refunded back to the funding account.
How long does it take to receive funds?
Funds usually take 1-3 days to clear after the funder has requested the debit from their bank account. But, funds can take up to 5 days to clear if the bank requires a physical check to be sent instead of ACH transfer.
If you have not received your funds, please speak with the funder to make sure they have debited the funds from their bank account. If they have, advise the funder to contact eBillme directly at 1-888-899-6633 or go to their live chat.
Does my funds request ever expire?
Yes, if the funder has not completed the request within 14 days, the request will expired. You can send another request at that time.
Did not find your answer?
If you do not find your answer, please contact eBillme's customer service directly at 1-888-899-6633 or go to their live chat.
Are there spending controls associated with the service?
UPside includes an alert service when the balance reaches a preset threshold or is zero ($0). Further alerts are coming soon, including weekly spending thresholds and single purchase limits. As well, you are only able to spend the amount of money loaded on the prepaid card account.
How does the UPside card teach financial responsibility?
With immediate access to online card statements, you can review spending along and develop and maintain financial responsibility in spending decisions, using our educational tools provided.
If I use my cell phone to check the balance of my card on a regular basis, is there a risk that someone would finds or steals my cell phone would be able to access and use my card?
No. Even if your cell phone falls in the wrong hands after you have stored and bookmarked in your phone the URL to access your card account, the phone will only enable someone to reach the login page, where the password is requested to go any further. Your password is never stored by the phone. Even if someone could guess your password, they would only be able to know how much money is left in the card, but would not be able to spend any of that money, since the phone access does not include money transfer or payment options.
The UPside Mall is an online shopping mall which features stores and products that may be of interest to both UPside accountholders and non-accountholders. The stores accessible through the UPside Mall, by clicking on one of the hyperlinks featured on the website are run by independent merchants. You must link to the merchant through the UPside Mall in order to be recognized as an UPside cardholder. The UPside Mall is accessible publicly to anyone, and everyone can earn points when you successfully complete an online purchase. The UPside Mall itself does not sell any product or services.
You can find the UPside Mall by clicking here. This optional offer is not a MetaBank product or service nor does MetaBank endorse this offer.
What is the cash back points rewards program?
The cash back points rewards program is a one-of-a-kind rewards program available to all UPside cardholders or UPside Mall accountholders. Points awarded can be converted into cash added to the balance of the card when they reach certain thresholds. Points are awarded in various ways: - Up to 15 points-per-dollar-spent at any of the hundreds of UPside Mall merchants. The purchase does not have to be made with an UPside card
- 500 points for first-time online activation
- 3 points/dollar of airtime loaded with the prepaid cell phone service purchase
- 1 point for every $1 loaded (Edge plan only)
How can I view my cash back points balance?
Your points balance is available on the History tab of the Cash Back 101 window of your online card account.
How can I earn cash back points by using the UPside Mall?
In order to earn points by shopping through the UPside Mall, you need to: - Be an UPside Mall account owner or UPside cardholder with a prepaid card account in good standing.
- Log into the UPside Mall website at www.upsidemall.com
- Follow one of the hyperlinks on the UPside Mall website leading to a merchant website, or to a product category of a merchant website or a particular individual product on a merchant website. Please note that you need to link to the merchant through the UPside Mall (not just use your UPside card) in order to receive points. If you leave the merchant website before you complete your transaction, you will need to go back to the UPside Mall and link to the merchant again, do not click "back" on your browser.
- Complete the online purchase of an item of your choice from that merchant, using your UPside card, or any other accepted payment card, as a payment means. Note that the item you purchase does not necessarily need to be the exact item that was displayed on the UPside Mall website if you reached the merchant by clicking on a particular product picture or text link.
Please note that points earned from mall purchases may not appear for up to 2 weeks after your purchase. This optional offer is not a MetaBank product or service nor does MetaBank endorse this offer.
How many points are earned per dollar spent at the UPside Mall?
The points that you earn depend on the merchant that you have made your purchase at. You will receive between 1 and 15 points per dollar spent, which are worth between 1 and 15% cash back. For a list of how many points you receive, please go to the UPside Mall. This optional offer is not a MetaBank product or service nor does MetaBank endorse this offer.
Do I need an UPside card to earn cash back points at the UPside Mall?
No you do not need an UPside card to earn points at the UPside Mall. You just need to create a simple online account on the mall so that we can track you each time you make a purchase. However, when you want to redeem your points you will need to register for an UPside card so we can credit your prepaid card account with cash back. To register for an UPside card, click here.
Can I use another payment card to pay for purchases made at the mall?
Yes you can use any payment card accepted by the participating merchant can be used. As long as the shopper has logged-in to the mall before visiting the merchant, points will be received.
Can I use cash back points to purchase goods or services form UPside Mall merchants?
No, cash back points are not an accepted form of currency for Mall merchants. Instead, you can redeem your points for cash onto your card balance, and then use the resulting dollars to make purchases with your UPside Card at any merchant, whether they are listed in the UPside Mall or not.
Which merchants participate to the UPside mall?
More than 200 merchants are part of the UPside Mall. Please click here for a full list. This optional offer is not a MetaBank product or service nor does MetaBank endorse this offer.
How do I redeem cash back points?
In order to redeem cash back points, you will need to have an UPside card. You need at least 2000 points to receive cash back. Cash back points are redeemable for cash back rewards of $20 or $50 (4500 points) onto your UPside card. Please note that you can only complete two redemptions in 24 hours. Cash back points are valid for redemption for 2 years.
My cash back points balance is not what I think it should be. What do I do?
UPside Mall purchases can take up to two weeks to appear on your account (please note some merchants may take longer). Retain any documentation you can (receipts, order confirmations, etc) and contact UPside Customer Service at cs@upsidecard.com. Remember, cash back points are valid for redemption for 2 years. Please note that you need to link to the merchant through the UPside Mall (not just use your UPside card) in order to receive points. If you leave the merchant website before you complete your transaction, you will need to go back to the UPside Mall and link to the merchant again, do not click "back" on your browser.
How do I access my online prepaid account?
In order to access your UPside online account, you must enter your username and password on the login window. If you have forgotten you username or password, click the link provided on that window.
Cardholders log into www.UPsideVisa.com
Card Account Owners log into www.upsideaccount.com
Why is my mobile phone UPside card account is not verified?
Be reassured that our mobile site is completely secure and uses the latest encryption software. What you are experiencing is a problem with the Internet browser in your cell phone having an incomplete or out of date list of Trusted Authorities, preventing it to recognize our "certificate" which is the digital seal that authenticates our site.
How can I change my billing address?
Only the card account owner is able to change the billing address. If it is less than 90 days since the card has been activated, please call the customer service number on the back of the card to provide proof of address. If it is greater than 90 days, the card account owner is able to change the billing address directly from the profile page on the online card account at www.upsideaccount.com.
You are still able to use your card for things such as online purchases by using your old address for the billing address and your new address for the shipping address.
How do I change my username/password?
For cardholders, the username and password can be changed from the cardholder website at www.UPsideVisa.com. Click the "Update My Profile" link and enter the new information. Account owners can change their password by going to "Edit My Profile" on their online card account at www.upsideaccount.com.
Why can't I use the username/password I want?
Your username must be 6-16 characters long and include letters and numbers. It must not include symbols or punctuation. By default your username will be populated from your email address - max 40 characters, the following symbols are supported .-_@. If it is, someone else already has your username, please choose another.
Your password must be 6-16 characters long and include letters and numbers. It must not include symbols or punctuation. If it is, someone else already has your username, please choose another.
How do I change my personal information?
You can change your information by clicking on the "Edit Profile" button from your online card account.
Card account owners can change their information by going to "Edit my Profile." Please note that only the card account owner can change the billing address.
I would like to invite a friend to join UPside. How do I do it?
Inviting friends is easy. Enter your friend's name and email in the Invite Friends tab on of your online card account and hit submit. Remember, you are able to invite as many friends as you like.
You will receive $4 and your friend will receive $4 once the friend has loaded $25 or more.
How can I tell if my friend that I invited joined UPside?
You are able to see which of your friends have joined or not by checking the "Pending Invites" section of your UPside online card account. If your friend has joined and activated his/her card, the status will state "activated"; if not, it will state "pending".
How safe is my confidential information? Is it secure online?
Please refer to the UPside Privacy and Security policy available through this website. We provide protection to our online card members by taking several security measures to create a safe and reliable experience. - We keep your information on secure servers in our data center. These computers are not directly connected to or accessible by the Internet.
- We establish a secure session with your computer before asking you to send confidential information over the Internet to the UPside website.
- You must enter your username and password to gain access to our site. To protect your card account information, we use firewalls that limit access to visitors who provide a valid username and password combination.
- We encode or scramble data using 128-bit key Secure Socket Layer encryption before exchanging it between a cardholder and our database.
I would like to report misuse of the website (security, phishing, identity theft)?
UPside will never ask you for your prepaid card account information, password or username in any email sent to you or pop-up windows while you are not on the secured UPside website or cell phone WAP site. To report misuse, please contact your local authorities, then contact us.
How do I contact customer service?
For information or comments about UPside or UPside card please contact our customer service from your online card account under the Email Us tab. For issues regarding cash back points, UPgrade points, login information, enrollment codes, check writing service, prepaid cell phone service purchase, or Customer Service Access Code please use our email contact only:
cs@upsidecard.com
Or
1-866-845-6273 - Please dial carefully
Or
UPside Prepaid Cards
PO Box 550160
Ft. Lauderdale, Fl 33355-0160
For problems with the website please contact us our webmaster at:
webadministrator@upsidecard.com
I am an investor, how do I contact Plastyc, Inc.?
For investor contact information, please click here.
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