FAQ’s

1. Is a 1st Contact Travel Card Prepaid MasterCard® Card a normal debit card or credit card?
2. What can I use my 1st Contact prepaid MasterCard for?
3. How do Prepaid Cards work?
4. How can a cardholder load their card?
5. Can clients' access card transaction data (volume and value on 1st Contact TravelCards)?
6. When applying for a Prepaid Card, are customers required to sign an agreement or accept any terms and conditions?
7. What process do cardholders follow once they receive their 1st Contact Travel Card?
8. Can Prepaid Cards be re-loaded with additional funds?
9. How long does it take for topped up funds to be available on the card?
10. Do Prepaid Cards utilise a PIN Number?
11. How can cardholders check their balance?
12. Where can cardholders use their Prepaid Card abroad?
13. What happens when a cardholder's Travel Card expires?
14. What happens if a cardholder's card is lost?
15. Will cardholders earn interest on the balance of their Travel Card account?
16. What are the fees for using a 1st Contact Travel Card?
17. Do cardholders require a good credit rating in order to apply for a card?

1. Is a 1st Contact Travel Card Prepaid MasterCard® Card a normal debit card or credit card?

A. Prepaid MasterCard Cards provided by 1st Contact are not credit cards, charge cards or debit cards. 1st Contact Travel MasterCard Cards are reloadable cards, issued by a financial institution. Cards are available in different currency denominations. Each time the card is used, the value of the purchase is deducted from the funds available on the card. Funds are loaded onto the card either at the time of purchase or at a later date. The value is held at a bank and not on the card. The card does not offer credit. In essence, you need to load funds on to your card before you can use those funds.

2. What can I use my 1stContact prepaid MasterCard for?

A. The 1st Contact Prepaid MasterCard Card can be used for many purposes such as:

• Receive wages to your card
• To pay employees their wages onto the card
• To manage payments for travel expenses, fuel expenses, subsistence, amongst others
• To carry travel money on a card for safe and secure use abroad
• To share money with friends and family through additional cards
• To make or receive Insurance Claim payouts
• To use safely and securely on Gaming sites and make and receive winnings payouts
• Online Shopping 24/7, 365 days of the year

Essentially, you can use 1st Contact Prepaid MasterCard Cards for your business or for yourself to make purchases online, over the phone and in-store at over 25 million locations worldwide, and withdrawals at over 1 million ATM locations worldwide where MasterCard is accepted.

3.How do Prepaid Cards work?

A. 1st Contact Travel Prepaid MasterCard cards operate on the standard MasterCard networks. The 1st Contact Travel Prepaid MasterCard Card can be used like any credit or debit card. The prepaid value loaded on the card can be used by cardholders at participating retail merchant locations for purchases and ATM's worldwide for withdrawals. Funds will be immediately debited from the cardholders balance upon authorisation of any transaction. Purchases or cash withdrawals are deducted from the balance until the loaded value is spent. The card can be loaded over and over again. A full transaction history can be viewed via an online account management facility and using a mobile phone.

4. How can a cardholder load their card?

A. The only forms of payment that can be accepted are:

• Debit Card online
• Via SMS Text Messages from your phone

5. Can clients' access card transaction data (volume and value on 1st Contact Travel Cards)?

A. Yes. 1st Contact provides each of its clients with access to real-time comprehensive information on their Travel Money Card. This information enables our clients to actively monitor the status of their card Travel Money Card and utilise the information to follow consumer trends for their own marketing and promotions campaigns.

6. When applying for a Prepaid Card, are customers required to sign an agreement or accept any terms and conditions?

A. Upon application all applicants must read and accept the terms and conditions of the card program. These terms and conditions are approved by the issuing bank. Click here to view the Terms & Conditions. 7. What process do cardholders follow once they receive their 1st Contact Travel Card? A. Upon receipt of a Travel Card, cardholders must sign the back of the card in the box highlighted "authorised signature" and then activate their card as per the instructions provided in the welcome pack. Cards must be activated through a website before cardholders can access their funds or load funds onto their Travel Card.

8. Can Prepaid Cards be re-loaded with additional funds?

A. Yes, 1st Contact Travel MasterCard Card products can be topped up subject to the maximum balance available on the cardholder's card. Depending upon our client's requirements, cardholders can re-load (top up) their cards by SMS or online.

9. How long does it take for topped up funds to be available on the card?

A. Upon authorisation of top-up transaction, funds will be available on the cardholder's card for use within a few minutes. For more details click here to view the terms and conditions.

10. Do Prepaid Cards utilise a PIN Number?

A. Yes. Usually the secure Personal Identification Number (PIN) is delivered two to three days after you have received your card . The Travel Card can be used at ATM's and point-of-sale (POS) locations worldwide. It is delivered separately from the card for security reasons.

11. How can cardholders check their balance?

A. Cardholders can check their transactions and account balance 24/7 - 365 days of the year through our Internet account management system or via SMS.

12. Where can cardholders use their Prepaid Card abroad?

A. Cardholder's can use their cards to make purchases of products, goods and services at any location that accepts MasterCard. 1st Contact Travel MasterCard Cards are accepted at over 25 million locations and over 1 million ATM locations worldwide. In addition, cardholder's can use their cards online wherever the MasterCard acceptance mark is displayed.

13. What happens when a cardholder's Travel Card expires?

A. Any 1st Contact Travel Card is valid for 24 months. Upon expiration, cardholder's cards will no longer be available for any use. 1st Contact can select to automatically send cardholders a replacement card with all available balance on their new card or the cardholder can request a payment of the remaining balance on the card and close the account. For more details click here to view the terms and conditions.

14. What happens if a cardholder's card is lost?

A. Cardholders are required to contact the call centre and request a new card. The cardholder's card will then be cancelled and a replacement card will be sent to them subject to a replacement fee stated in the Terms & Conditions.

15. Will cardholders earn interest on the balance of their Travel Card account?

A. No, cardholders will not earn any interest on the balance of funds loaded onto their cards or incur any interest on their spending.

16. What are the fees for using a 1st Contact Travel Card?

A. All fees can be viewed on our fees table.

17. Do cardholders require a good credit rating in order to apply for a card?

A. No. The Prepaid Card is not a credit card. Neither is it linked to your bank account. Hence, no credit checks are required.