Kinecta Express Prepaid Card Access
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FAQ

Frequently Asked Questions for the Kinecta Express Visa Gift Card

What is a prepaid Visa Gift card?
The Kinecta Express Visa Gift card is a “non-reloadable” prepaid card that can be used anywhere Visa Debit cards are accepted. Visa Gift cards are loaded with a set amount of funds on the card and can be used for multiple purchases for as long as money remains on the card. This Visa Gift card is not a credit card and may not be reloaded.

How does my Visa Gift card work?
The Visa Gift card is a "non-reloadable prepaid" card, meaning the initial value is set by the person who purchased the card for you. Additional funds cannot be added to this card.

What is the cost of the Visa Gift card?
The cost of this Visa Gift card is $4.95. An Inactivity Fee of $4.95 will be charged each month after the first twelve months of purchase of the gift card.

Where can I use my card?
Your card can be used for purchases anywhere Visa is accepted.   

Do I need to activate my Visa Gift card?
No, you do not need to activate your  card.

What should I do if my Visa Gift card is lost or stolen?
Contact us immediately at 1.800.418.3942 if you believe your Card has been lost or stolen, or that someone has accessed or may access money from the Card without your permission. You will not be liable for lost value on the Card if you satisfy the following conditions:

  • You have immediately called us and reported the Card lost or stolen.
  • You have signed the Card on its reverse side in permanent ink.
  • You inform us of the Card number and the approximate date of your last authorized use.
  • You have not reported two or more incidents of unauthorized use to us in the preceding 12-month period.
  • You report all facts of the loss or theft to us and you cooperate in our investigation.
  • You have previously registered your card on our website:  www.kinectaexpress.com

What do I need to include if giving the Visa Gift card as a present?
When giving as a gift, provide the recipient with all materials you received with the card upon purchase, including terms and conditions for use. If you are giving the card to a young person who has little card-use experience, you may wish to review the materials together.

How do I know how much is on my Visa Gift card?
The value of your card should be included in the materials that came with your card. To check the available balance on your card or review recent transactions at no charge, you may visit www.kinectaexpress.com. You may also call 1.800.418.3942 anytime; however the balance inquiries by phone will incur a balance inquiry fee charge per call, which will be assessed against your card’s balance.

Is there a limit to the value placed on the Visa Gift card?
The maximum card value for your Visa Gift card is $250.

What should I do with my Visa Gift card once the value is depleted?
You should keep your card—even after the balance is depleted—until you know that you will not be returning any of the items purchased with the card. If you do try to return items purchased, the store's policy may require you to present the card used to make the purchase. You should destroy the card once you are sure there is no further need.

What if I want to purchase an item that costs more than the balance on my Visa Gift card?
To make a purchase in an amount greater than the available balance, you will need to use a second form of payment (credit card, debit card, cash or check) to cover the difference.

What should I do if my Visa Gift card is declined?
Verify there are sufficient funds on the card prior to making a purchase. If your purchase is declined and you believe the card has sufficient funds, you may check the available balance on your card at no charge, on the web site www.kinectaexpress.com. You may also call 1.800.418.3942 anytime; the balance inquiries by phone will incur a balance inquiry fee charge per call, which will be assessed against your card’s balance.

What if I need to return an item that I purchased with my Visa Gift card?
If you decide to return merchandise purchased with your Visa Gift card, you may be asked to present the card to process that return. Be sure to hold onto your purchase receipts and your card—even after the balance is depleted.

How long can I use my Visa Gift card?
You can make purchases using your Visa Gift card until either you surpass the expiration date shown on the card or you have used the full value of the card.

Can I use my Visa Gift card at more than one merchant?
Yes. You can use your Visa Gift card anywhere Visa Debit cards are accepted. Always ensure that the remaining balance on your card will cover the amount of your planned purchase.  

Can I use my Visa Gift card at gas stations?
Yes. To use your Card at a gas station, you should pay inside the gas station since your Card does not allow paying at the pump. When using the Card at some merchants, please keep in mind that the merchant might secure an authorization/approval on the Card for an amount up to approximately 20% more than the total bill. The entire secured amount may remain unavailable for up to seven business days. Only the amount you authorize will actually be deducted from the value of the Card.  The additional merchant authorization is done to ensure that adequate funds are available to cover the final purchase.

Can I use my Visa Gift card at merchants where a tip may be appropriate?
Yes. When using your Visa Gift card somewhere a tip may be appropriate (such as a restaurants, bars, taxis, salons, barbershops, or health and beauty spas) your transaction may be authorized for up to 20% above your total bill. Be sure that the balance on your card is sufficient to cover the cost of the bill plus the tip added. If not, the transaction may be declined.

Can I use my Visa Gift card at hotels or car rental companies?
Yes. You can use your Visa Gift card for the final payment for both hotels and car rentals. However, some car rental companies and hotels may require a credit card to make a reservation. At check-in, hotels will put a HOLD on the estimated amount of your stay, making those funds unavailable for purchase for a period of time. You can avoid a HOLD being placed on your gift card by checking in with a Visa credit card, and then using your Visa Gift card for final payment when you return the car or at the end of your hotel stay.

Can I use my Visa Gift card for online or phone purchases?
Yes. However, to make an online or phone purchase, you will need to register your card. You can do this by either calling1.800.418.3942, or by visiting www.kinectaexpress.com. Enter your card number, expiration date and any other information requested by the Internet site.

Can I use my Visa Gift card outside of the United States?
Yes. The amount will be converted into the appropriate currency at an exchange rate on the day the transaction is processed. The exchange rate used to determine the transaction amount in U.S. dollars is either a rate selected from Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government mandated rate in effect for the applicable central processing date, plus 1%.
 

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