U The UPside card is a prepaid, reloadable spending card; like a prepaid phone card or a store gift card that you can use everywhere Visa Debit is accepted. Because it's a prepaid card, your spending is limited to the amount of money sent to your card. The purchases that you make with your UPside card are decremented from your available balance. Your family or employers are able to reload funds onto the card when needed. And, unlike most other reloadable spending cards, the UPside card provides you with reward points for cash back onto your card.
U Unlike a credit card, the UPside Visa Prepaid Card does not have a line of credit. Therefore, you are unable to go into debt or spend more money than your balance. It is a great solution to help get yourself out of credit card debt, and anyone with poor or no credit can register.
EAC The UPside Visa Prepaid Card can be used as a budgeting tool for your child’s spending. With UPside, your child and you decide together the amount to spend. With immediate access to online statements, your child can review his/her spending along with you, and together discuss how they can develop and maintain financial responsibility in spending decisions, using our educational tools provided. As well, with instantaneous funding, you have the peace of mind that your 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.
U The UPside Visa Prepaid Card can be used as a budgeting tool for your spending, as you can only spend the funds available on the card – meaning that you will not go into debt like many do with credit cards or negative balance like many retail banks allow. And, with UPside, you do not pay for incoming funds loads, unlike most retail banks. Anyone can register, even with poor or no credit. The UPside card is the most powerful and effective means to help you develop responsible spending behaviors, while still having the freedom to shop everywhere Visa is accepted.
U UPside Clear, Access and Edge – The card account owner may load funds onto the card online or by calling customer service. Funds may come from either a checking account or credit card in the name of the card account owner. The cardholder is able to share their DDA transfer information with family, friends and employers.
UPside Life cardholders are able to load funds directly from their online account via a credit/debit card load (funding card must match UPside card billing address). They are also able to share their DDA transfer information with family, friends and employers.
U The UPside Visa Prepaid Card has lower fees than other spending cards available. And the majority of these fees can be avoided by managing your UPside card correctly – checking your balance online, loading funds from an employer or from a checking account, making sure you always have suitable funds on your card. Below is a list of fees:
| PLAN OPTIONS |
UPSIDE CLEAR |
UPSIDE ACCESS |
UPSIDE EDGE |
UPSIDE LIFE Not applicable to
parents of a teenager |
| Activation Fee |
FREE |
FREE |
FREE |
FREE |
| Membership Fee |
FREE |
$2.99/month |
$29.95/year |
FREE |
| Loads from ACH/DDA |
FREE |
FREE |
FREE |
FREE |
| Loads from debit/credit card |
$2.50 convenience fee for instant loads |
| Maximum Balance |
$1000 |
$1500 |
$3000 |
$5000 |
| ATM Access |
N/A |
$1.49 for withdrawals + fee charged by ATM provider |
| Phone Inquiries |
$1.99/call |
$1.99/call |
1 free call/month;
$0.99/subsequent call |
$0.99/call;
$2 to speak to live agent |
| Card Replacement Fee |
$8.95 |
$9.95 |
For a full breakdown of the fees associated with the UPside card, please click
here.
U The name of the cardholder is embossed on the card. When parents apply for the card on behalf of their child, this means that the name of the child will appear on the card.
U UPside services are operated by Plastyc Inc, based in New York, NY. The UPside card is issued by Metabank in Sioux Falls, SD as a prepaid Visa card.
U For Clear, Access and Edge, 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.
If you are over 18, you can register for the UPside Life card. There is no fee involved or money needed to register, but you will need a Social Security Number for verification of your date of birth. To begin registration, click
here.
U The card is sent to the billing address provided at enrollment. When a credit card is used to fund the card, 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.
EAC You should receive your card within 10 business days after registering.
L You will need to load funds onto your card via Direct Deposit before we send your card. You can find your Direct Deposit information on your online card account at
www.upsidecard.com in the Fund My UPside Card window. This must be done within 45 days of registering. Once you have loaded your card, you should receive it within 10 business days. If you do not fund your card within 45 days your card account will be automatically closed and your card will not ship.
U You can activate your card by calling 1-866-845-6273 from your home telephone. Card account owners will need the last four digits of their SSN and cardholders will need their four-digit Customer Service Access Code (CSAC) created at enrollment (last four digits of SSN for Life cardholders).
Card account owners will create their online card account at this time by going to
www.upsideaccount.com.
U 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 customer service at
cs@upsidecard.com.
EACIn order to change plans, you 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 you receive the card and we will transfer all funds to the new card and close the old one.
U You can use your UPside Visa Prepaid Card anywhere Visa Debit is accepted, both online and in physical stores. You may also withdraw cash at ATM terminals accepting Visa Debit.
U Only the cardholder whose name is on the card may use the card. All cardholders must be at least 13 years of age to get an UPside Visa Prepaid Card.
U 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.
U The card account owner (usually a parent) is able to load funds onto the card and monitor spending done by the cardholder.
The cardholder is able to make purchases using his/her UPside card, load funds from their own existing credit/debit card, send DDA load details to family and employers, monitor spending and rewards account, and send money to other UPside users.
U 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.
U You can use your UPside Visa Prepaid Card online anywhere Visa is 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.
LEA Yes (not available for UPside Clear plan). You may withdraw cash from any ATM where you see Visa Debit sign, using your card and PIN (personal identification number). Insert your card into the machine, enter your PIN, and press the cash withdrawal option. You will then be prompted to choose an account from which you want to withdraw funds; select credit card cash advance, enter the amount, and receive your cash. You can withdraw up to $200 for a single withdrawal and up to $500 in a 24-hour period.
U No. There are no fees attached to spending money on your UPside Visa Prepaid Card.
U You are able to check your balance in four ways –
- Online by logging into your UPside online card account
- By calling customer service at 1-866-845-6273
- By using your cell phone’s internet browser and logging into your card account at www.upsidecard.com (cardholders only)
- From your Facebook UPside Application (cardholders only)
U No. You cannot access more than the available balance through your UPside Visa Prepaid 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.
U There is no maximum amount for a single purchase other than the current balance on the card.
U We advise that you keep all of your receipts until your transactions are posted online. 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 card for the value of the returned item. The credit should appear on your online statement within a week of the return.
U 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 available.
U 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.
U 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, 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 couple of 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.
U As mentioned above (restaurants and gas stations) 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 Visa Prepaid Card the system may hold this reserve amount up to three business days. In some instances a hold could take up to 10 days to fall off.
U Yes. The UPside Visa Prepaid Card is accepted at most merchants worldwide accepting Visa.
U Your Customer Service Access Code (CSAC) is a four-digit number that is used to identify you when you contact customer service. For Edge, Access and Clear, you created your CSAC when you created your online card account. Life cardholders’ CSAC is the last four digits of your Social Security Number.
U Your PIN will be selected automatically for you when you register for a card. You will get your PIN information when you call to activate your card. You are, however, able to change your PIN at any time (see below).
U 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.
U Please call customer service at 866-845-6273 and follow the automated prompts to “To hear or change your PIN.”
U Please call customer service at 866-845-6273 to mark your card lost/stolen and have a new card shipped.
U Yes. You can suspend your card at anytime online or by calling customer service. Please call customer service to unsuspend your card. For Clear, Access and Edge plans, please note only the card account owner is able to call to unsuspend the card.
U The first step is to remove all of the funds remaining on the card by making an ATM withdrawal or purchase goods or services in a merchant transaction. You may also request a check from UPside for any balance remaining over $8.95 (close card account fee). Please note a $12 check issuance fee may be applied.
Once all funds have been depleted from your card, the card account owner will need to contact UPside Customer Service at 866-845-6273 or email at
cs@upsidecard.com, and request that the card be closed. We will retain any funds under the $8.95 card account closure fee.
U UPside Clear, Access and Edge – The card account owner may load funds onto the card online or by calling customer service. Funds may come from either a checking account or credit card in the name of the card account owner. The cardholder is able to share their DDA information with family, friends and employers.
UPside Life cardholders are able to load funds directly from their online card account via a credit/debit card load (funding card must match UPside card billing address). They are also able to share their DDA information with family, friends and employers.
U Edge, Access and Clear – Cardholders are able to give out their DDA bank details to as many family members, friends and employers as they wish. Card account owners can use up to 3 funding sources (bank account, credit or debit card) to load funds directly from their online card account, only one of which can be a bank account.
Life cardholders can load funds directly from their online card account using a debit/credit card, or send their DDA bank information to as many family members, friends and employers as they wish.
U In order to change your funding details to load funds onto your card, you will need to change your details on your online card account – Life cardholders go to “Fund my UPside Card” and Edge, Access and Clear card account owners go to “Manage Payment Methods.” Please note you can only store up to 3 funding sources.
Edge, Access and Clear card account owners please note that if you are changing your ACH bank account details that you will need to send a new Bank Account Authorization Form.
EAC Yes. Once your card account is activated, the card account owner is able to set up an allowance schedule for any period or amount he/she chooses (Clear, Access and Edge only). Please note that if you create an allowance schedule from an ACH bank transfer the load date will be 3-5 business days after the allowance schedule states.
EAC In order to set up your bank account details for loads, you will need to do two things:
- Fax/Send the Bank Account Authorization Form (BAAF) located on the right-side menu of your online card account at www.upsideaccount.com and we will verify your details with your bank. This only needs to be done once.
- Enter your same details to your online card account by selecting “Manage Payment Methods.”
You may initiate a load once you have entered your details online, but it will not complete until we have verified your details. The first load can take up to 7-10 days. Subsequent loads will take 3-5 business days.
EAC We require that a Bank Account Authorization Form (BAAF) be submitted, either by fax or mail, so that we can contact your bank and verify your details. You only need to send this form in once, or whenever you change your banking details.
U The cardholder is able to get Direct Deposit information by logging into his/her online card account and clicking on the "Information for my employer" link in the “Fund my UPside Card” box. The cardholder will need to print this information and give it to his/her employer. This information may also be used for other family members or friends that would like to load funds to the card, perfect for birthdays and special occasions.
U 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.
U If it has been over 5 business days for an ACH/DDA bank load to appear on your card balance, please contact customer service at 866-845-6273. For Edge, Access and Life account owners, please make sure that you have submitted your Bank Account Authorization Form and added your banking details online before calling.
Credit/Debit card loads should appear instantly. If your funds have not appeared, please contact customer service at 866-845-6273.
U Value load fees and limits will vary depending on which UPside Plan you choose. For more information, see UPside
Terms & Conditions.
U 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 card.
U With UPside Clear, Access and Edge, the cardholder and the card account owner decide together the amount to spend.
For all plans, with immediate access to online statements, you can review spending along and develop and maintain financial responsibility in spending decisions, using our educational tools provided.
U Yes. You are able to view card account balance and transaction history in real time by logging into your card account online or calling customer service.
U 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.
U The UPside Mall is an online shopping mall which features stores and products that may be of interest to both UPside cardholders and non-cardholders. The stores accessible through the UPside Mall, by clicking on one of the hyperlinks featured on the website, are run by independent merchants which can also be accessed online directly by typing their respective URLs in your browser. 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.
U The UPoints Rewards Program is a one-of-a-kind rewards program available to all UPside cardholders or UPside Mall account owners. Rewards include both cash back and rewards certificates to nationwide retailers. UPoints are rewarded in various ways:
- Up to 12 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
- Loading money onto the card earns 1 UPoint per dollar (UPside Edge only)
- Successfully referring a friend who signs up for the UPside service earns 500 UPoints
- Additional offers like the Create-A-Card contest and “Purchase of the Month” gives extra UPoints
U Your UPoints balance is available in the “My UPoints” section of your online card account.
UIn order to earn UPoints by shopping through the UPside Mall, you need to:
- Be an UPside Mall account owner or UPside cardholder with a card account in good standing.
- Log in successfully to your UPside card account. This can be done either:
On the upsidecard.com website itself, and then follow the link to the UPside Mall featured on your dashboard page.
Or by logging into the UPside Mall website. When you are successfully logged in, each page of the UPside Mall website displays a “Log Out” button. Otherwise, if you have failed to log in, then each page of the UPside Mall website displays a “Log In” button.
- 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.
- 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.
U The points that you earn depend on the merchant that you have made your purchase at. You will receive between 1 and 12 points per dollar spent, which are worth between 1 and 12% cash back. For a list of how many points you receive, please go to the
UPside Mall.
U 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 a free UPside card so we can credit your card with cash back.
U Yes you can any payment card accepted by the participating merchant. As long as you logged-in to the mall before visiting the merchant you will receive points.
U More than 150 merchants are part of the UPside Mall. Please click
here for a full list.
U In order to redeem points, you will need to have an UPside Visa Prepaid Card. You need at least 1000 points to receive cash back. UPoints are redeemable for cash back rewards of $10 and $20 onto your UPside card. In order to get an UPside card, go to
www.upsidecard.com.
U Retain any documentation you can (receipts, order confirmations, etc) and contact UPside Customer Service at
cs@upsidecard.com.
U In order to access your card account online, you must enter your username and password on the login window. Card account owners will create their online card account once the card is received by going to
www.upsideaccount.com.
If you have forgotten you username or password, click the link provided on that window.
Cardholders log into
www.upsidecard.com
Card Account Owners log into
www.upsideaccount.com
U Only the card account owner is able to change the billing address. If it is less than 180 days since you activated your card, please call the customer service number on the back of your card to provide proof of address. If it is greater than 180 days, the card account owner is able to change the billing address directly from the profile page on the online card account.
U For cardholders, you are only able to change your username and password from the UPside website. Click the “Update My Profile” link and enter your new information.
Account owners can change their password by going to “Edit My Profile” on their online account.
U Your username must either 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.
U Yes. For cardholders, we have automatically provided transaction logs for the last 7 days, 30 days and 60 days, available on the “What’s Up” section of your online card account. If you would like to see transactions for another period, click the link in “What’s Up” called “Detailed History” 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.
U Clear, Access and Edge – Cardholders may change their phone number and email address by clicking the “Update My Profile” link on 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.
Life cardholders can change their information by clicking on “Update my Profile” from their online card account.
EAC You are able to see if your parent has set up recurrent funding in the “Fund my UPside Card” section of your online card account. In this section, you are also able to see how much and on what day(s) you will receive these funds.
U Inviting friends is easy. Enter your friend’s name and email in the “UPside Your Friends” section of your online card account and hit submit. Remember, you are able to invite as many friends as you like.
U You are able to see which of your friends have joined or not by checking the “My Invites” section of your online account. If your friend has joined and activated his/her card, the status will state “activated;” if not, it will state “pending.” Please note that both your card and your friend’s card must be activated in order to get your UPoints.
U 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.
U UPside will never ask you for your 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.
U For information or comments about your UPside Visa Prepaid Card please contact our customer service at (for issues regarding UPoints, login information, 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
U For investor contact information, please click
here.