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Frequently asked questions Employer Section
 
1. What is a Riflepay Payroll Prepaid MasterCard®?
The Riflepay Payroll Prepaid MasterCard® Card is the smartest way to handle money. It works like a debit card and your employees access to the Mastercard ® and Cirrus® network without having to pay any interest.Riflepay Payroll Prepaid MasterCard® Card, allows your employees, instant access to their pay on the morning it's due and it is far safer than carrying cash. The card is a perfect tool for a direct-deposit option for all your employees, with or without bank accounts, whether they are seasonal, part-time, contractual or on the road.
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2. Why is the Riflepay Payroll Prepaid MasterCard® Card an advantage to an employer?
Payday will become simpler and easier. There will be less paper and the overall operation will be more efficient. The card permits substantial savings by eliminating all current pay cheque costs, including reconciliation, fraud and reissuance. The card improves productivity and streamlines your whole payroll process.
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3. Do we need to have a minimum of number of employees participating to get access to this service?
No. There is no minimum of employees.Riflepay Payroll Prepaid MasterCard® Card is available to all employers and their employees..
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4. Do we need to have additional software or systems to manage direct deposits on the Riflepay Payroll Prepaid MasterCard® Card?
No. It's not necessary. You may transmit a detailed payments list by e-mail, fax, telephone or by secure WEB and funds will be automatically deposited on each employee's card.
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5. Can we eliminate all paper payroll cheques?
Depending on your agreement with your employees, you may be able to eliminate all of your paycheques. HYPERLINK
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6. How much does it cost?
The processing cost of the Riflepay Payroll Prepaid MasterCard® Card is similar to direct deposit costs. Please contact one of our representatives.HYPERLINK
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7. How can our employees get access to a Riflepay Payroll Prepaid MasterCard® Card ?
Each employee signs an application form with his or her employer. They will receive their personalized cards within 10 days. We also provide additional customized support services based upon your individual requirements.
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8. What are the advantages for our employees?
Employees, with a Riflepay Prepaid MasterCard® Card, will get instant access to their pay first thing on payday and will save money, as they will not have to pay high cheque cashing fees. It is a prepaid card that protects against fraud and identity theft because there are no bank accounts linked to it. The card is an ideal tool to facilitate purchases and works everywhere MasterCard is accepted. Your employees can withdraw cash through thousands of Cirrus® network ATM's.Riflepay Payroll Prepaid MasterCard® Card is also safer than carrying cash and facilitates budget planning.
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9. What if an employee doesn't have a bank account?
Everyone qualifies for the Riflepay Payroll Prepaid MasterCard® Card* - there's no bank account needed. Riflepay Payroll Prepaid MasterCard® is not a credit card. Riflepay Financial Services Inc. performs only an identity check of the applicant.Must be at least 16 years of age to apply.
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10. How long will it take to get started?
You may have your payroll on Riflepay Payroll Prepaid MasterCard® Card in as little as 10 working days.
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11. How can we know that the money really be deposited?
The Riflepay Payroll Prepaid MasterCard® Card works just like Direct Deposit, so that the payroll funds will be on the card in the same time as Direct Deposit is in employees' bank accounts. You will get access to detailed reports.HYPERLINK
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12. What if an employee's card is lost or stolen?
Your employee will merely have to call our service centre and they will receive a new Riflepay Payroll Prepaid MasterCard® Card and the balance of their card will automatically be transferred.
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Interested in learning about the Riflepay MasterCard® Card as employee? View our Employee FAQs.
 
Frequently asked questions Employee Section

1. How does the Riflepay Payroll Prepaid MasterCard® Card differ from a credit card or bank debit card?

2. How does the Riflepay Payroll Prepaid MasterCard® Card protect my identity and money from theft?

3. How can I get a Riflepay Payroll Prepaid MasterCard® Card?

4. Where can I use my Riflepay Payroll Prepaid MasterCard® Card?

5. What are the fees for using my Riflepay Payroll Prepaid MasterCard® Card?

6. Can I load cash onto my Riflepay Payroll Prepaid MasterCard®?

7. What are the ATM withdrawal limits on my Riflepay Payroll Prepaid MasterCard® Card?

8. How am I protected if I lose my Riflepay Payroll Prepaid MasterCard® Card?

9. How do I change my account information and personal PIN number?

10. What if I forget my PIN?

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

12. Can I let anyone use my Riflepay Payroll Prepaid MasterCard® Card?

13. How can I check my balance, review transactions or download statements?

14. Can I return merchandise purchased with my Riflepay Payroll Prepaid MasterCard® Card?

15. C an I make a purchase if I don't have enough money in my account?

16. What if I disagree with a transaction posted to my account?
Interested in learning about the Riflepay Card as a direct deposit option for your employees?
View our Employer FAQs.
 
1. How does the Riflepay Payroll Prepaid MasterCard® Card differ from a credit card or bank debit card?
Riflepay Payroll Prepaid MasterCard® Card is a prepaid card. The card works like a debit card or a credit card,you can spend only the amount of funds your employer deposits onto your card. No bank account is needed. No credit checks.

Riflepay can be used at ATMs and retail stores worldwide anywhere MasterCard® and Cirrus® are accepted. You are in control of your spending. It also helps protect against identity theft and fraud because it is not linked to a bank account. The Riflepay also helps your budget planning.

Riflepay Financial Services Inc. performs only an identity check of the applicant.Must be at least 16 years of age to apply.
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2. How does the Riflepay Payroll Prepaid MasterCard® Card protect my identity and money from theft?
First, the money on your RiflepayPayroll Prepaid MasterCard® Card is not linked to any of your personal information or any of your other accounts. Secondly, if it is lost or stolen, your money is protected with your PIN and MasterCard zero-liability protection applies. Last, your monthly statements are online (unless requested by yourself) and not mailed to your home, protecting your personal name, address and account information from mail fraud - one of the fastest growing and quickest ways for thieves to steal your identity. You may choose to receive your account statements by mail for a fee.
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3. How can I get a Riflepay Payroll Prepaid MasterCard® Card?ervice?
Simply have your employer call us to offer RiflepayPayroll Prepaid MasterCard® Card to all employees, allowing you to deposit your pay cheque directly onto a Riflepay Payroll Prepaid MasterCard® Card.
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4. Where can I use my Riflepay Payroll Prepaid MasterCard® Card?
RiflepayPayroll Prepaid MasterCard® Card can be used at thousands of ATM's and retail stores nationwide, or over the phone or on-line. Use your card to purchase groceries, gas, music or books online, rent a car… or anything you would like. It works like a credit card, but the funds are prepaid. Be sure to check your balance frequently online or call customer service (and use the automated attendant).
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5. What are the fees for using my Riflepay Payroll Prepaid MasterCard® Card?
Please see Terms and conditions section.
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6. Can I load cash onto my Riflepay Payroll Prepaid MasterCard®?
There is only one way to load funds onto your Riflepay Payroll Prepaid MasterCard® Card. Only your employer can deposit onto your Riflepay Payroll Prepaid MasterCard®.
7. What are the ATM withdrawal limits on my Riflepay Payroll Prepaid MasterCard® Card?
The daily ATM withdrawal limit is $1,000. Please review the online Terms and conditions section for the most up-to-date information about your Riflepay Payroll Prepaid MasterCard® Card.
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8. How am I protected if I lose my Riflepay Payroll Prepaid MasterCard® Card?
Your Riflepay Payroll Prepaid MasterCard® Card can only be used for withdrawal at ATMs with your PIN. Your card is personalized, must be signed by yourself and verification is required in retail stores, preventing unauthorized usage. Your card is also protected by the MasterCard Zero-Liability Policy. You should sign the back of your card upon receipt for your protection. Report a lost or stolen card immediately by calling customer service.
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9. How do I change my account information and personal PIN number?
You can do this online or by calling customer service. For on line changes, simply log onto your account and select the appropriate function on the main page.
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10. What if I forget my PIN?
Call customer service. Be prepared to provide your personal account information.
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11. What should I do if my card is lost or stolen?
Immediately contact customer service. A customer service representative can assist you by moving any unused balance to a replacement card.
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12. Can I let anyone use my Riflepay Payroll Prepaid MasterCard® Card?
Since the Riflepay Payroll Prepaid MasterCard® Card is PIN-protected and must be signed. It is strongly recommended that only the cardholder be allowed to use the card. The cardholder is responsible for any transactions made by someone other than themselves.
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13. How can I check my balance, review transactions or download statements?
You can check your account history by either logging into your account online at www.riflepay.com or by calling the customer service automated attendant. If you log in to your account, you can check your balance or review and/or print monthly statements.
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14. Can I return merchandise purchased with my Riflepay Payroll Prepaid MasterCard® Card?
Yes, all online and store purchases can be returned in accordance with the retailer's return policy. Any refunds or credits will be credited back to your Riflepay Payroll Prepaid MasterCard® Card account. You will not be charged a transaction fee for credits.
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15. C an I make a purchase if I don't have enough money in my account?
No, since your card is prepaid, you can only spend the available balance on your card. However, sometimes a merchant will make a mistake and approve a transaction even though your account did not have the funds to cover the full amount of the transaction. Should this occur, the primary cardholder will be responsible for the transaction, and will be charged applicable overdraft fee(s).
Please see your Terms and conditions section for additional information.
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16. What if I disagree with a transaction posted to my account?
You can call customer service and a representative will assist you.
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