1. What is a Netchex Paycard?

Your Netchex Paycard is a prepaid MasterCard that you can use instead of receiving a paper paycheck. On Payday, your funds will automatically be loaded on your card. The card works as a prepaid card and is branded with the MasterCard brand mark.

2. Is my Netchex Paycard Secure?

Yes, the Netchex Paycard requires your signature when you purchase good or services. The merchant may verify the signed receipt against the signature on the back of your card. Also, your personal identification number (PIN) is required to make cash withdrawals.

3. Is it a credit card?

No. It’s a prepaid MasterCard that carries a fixed cash amount determined by the amount of your compensation on payday. Each time you use the card, the purchase amount is deducted from the available balance. The available funds will be based on the amount your employer loads onto the card each payday.

4. Is there a credit check for the Netchex Paycard?

No. The Netchex Paycard is not a credit card therefore will not require a credit check.

5. Why get a Netchex Paycard instead of just receiving a paper paycheck?

The Netchex Paycard is safer than carrying cash, more convenient than searching for a check-cashing store, and cheaper than having to pay to have your check cashed. It allows you to pay for gas at the pump or make online or over the phone purchases. In addition you will be able to more effectively track your spending habits with online access to your card activity.

6. How do I apply for a Netchex Paycard?

Talk to your human resources or payroll department.

7. How will I be able to access my funds?

You will be able to use the card at any merchant that welcomes MasterCard debit cards. At the point of purchase, you will hand your card to the merchant to swipe then you will be asked to sign for your purchase. You may also withdraw cash at any ATM that displays the MasterCard Brand Mark by using your PIN.

8. What if my Netchex Paycard is lost, damaged, or stolen?

If this happens you will need to call our toll free number on the back of your card (855-735-4730) as soon as possible to report the card missing. We immediately cancel the card and send you a replacement card. Your funds will be automatically added to the new card. If your card has been used without your authorization, you are covered by the MasterCard zero liability policy

9. Where can I use my Netchex Paycard?

Once the card has been activated and funds have been loaded by your employer you can use it at any worldwide location where the Debit MasterCard is accepted, as well as ATM or POS terminals displaying the MasterCard Brand Mark. You can access your funds up to the balance on the card. There are no overdraft capabilities on these cards, nor check writing capabilities. The Netchex Paycard card eliminates the process of cashing paper checks and carrying large amounts of cash. Most importantly employers replenish the same card each payday. Employees can access a user-friendly online portal to view account balance, transaction history, or change an account password, among many other functions.

10. Can my Netchex Paycard be used for online purchases?

Yes, you can place orders with your favorite web merchants up to the amount available on your card.

11. Does my employer know how I spend my money?

Your employer cannot see how you spend your money because they do not have access to your transaction history.

12. When are my funds available on card?

Funds are made available to you on the day that your employer has designated. You will be able to immediately access all of your pay on this date.

13. How can I find out how much I have available on my card and can I see my transaction history?

You can call the toll free customer service number at 1-855-735-4730 or you can log into your personal account at www.netchexpaycard.com and view your balance and transaction history. Additionally, you can ask what your balance is when visiting an ATM. There is NO CHARGE when using the online service.

14. Can I load funds onto my card other than through my employer?

No, only your employer can load funds onto your card. If you have multiple employers they can also deposit payroll onto your card, simply print out a direct deposit form and hand it to your employer.

15. Can I use my Netchex Paycard to make a purchase greater than the balance on the card?

By using another form of payment in addition to your card you can still make purchases that exceed your available balance. Pay for part of your purchase with your Netchex Paycard and the second part with another form of payment. Let the cashier know in advance that you will be using 2 forms of payment, present the card and state the specific amount to be used, then pay the difference with your second form of payment-cash, credit, or check.

16. My transaction history online shows that a merchant charged me for more than what I authorized. Why?

Certain merchants, such as gas stations, restaurants, and hotels often obtain authorization for more than the transaction amount. It is recommended that you give your card to the station attendant and state exactly how much gas you want to purchase, instead of swiping your card at the pump. Also, many restaurants factor in an automatic tip of up to 20% when authorizing card purchases. If your restaurant bill, plus the estimated tip exceeds the amount on the card it may be declined. Should this situation occur instruct the cashiers to deduct a specific amount from the card and use another form of payment for the balance or tip.

17. Can I pay bills with my card?

Yes, you can use your Netchex Paycard to pay bills online such as utilities, insurance, cable or any other service that accepts MasterCard Debit cards as a form of payment.

18. What is the difference between selecting “debit” or “credit” at a merchant?

The only difference is that if you select “debit” you will be asked to type in your PIN after swiping your card. If you don’t remember your PIN selecting “credit” still allows you to use the card and the cashier will ask you to sign the receipt for the sale.

19. What happens when my Netchex Paycard expires?

You Netchex Paycard has a three year expiration date. Your card will automatically renew on or before that date and a renewal card will be sent to you in the mail.

20. How do I reach some if I have questions regarding my account?

For your convenience you may reach Customer Service at 1-855-7354730, or by writing us at Netches Paycard PO Box 1004 South Jordan Utah, 84095-1004 or support@limepayroll.com