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Wisely Pay Help

Using My Wisely Pay Card

How do I make purchases with my card?
You can use your Wisely™ Pay card on the phone, online, or in any store that accepts Debit Mastercard® or VISA®. You can also add your Wisely™ Pay card to your mobile wallet. Pay with a single touch anywhere Apple Pay®, Samsung Pay® or Google Pay™ is accepted.

Is there a fee to make internet purchases with my card?
There is no fee to make Internet purchases with your Wisely card.

How can I get cash using my card?

You’ve got a few options.

  • ATMs. You can get cash at millions of ATMs worldwide. There are also 40,000 surcharge free ATMs nationwide where you can get cash with your Wisely™ Pay card. Click here or log into myWisely™ to find in-network, surcharge-free ATMs in your area.5
  • Banks. You can go to any participating bank and withdraw all of your money to the penny. Inform the teller you wish to do an over-the-counter transaction, and tell them the amount you would like to withdraw. You may be asked to show your ID. Find participating banks here.

Can my card be used to make debit or credit transactions?
Your Wisely card can be used to make either a debit or credit transaction. Debit transactions will require a personal identification number (PIN) and are best used when you want cash back from a merchant. These transactions do not incur a fee. Credit transactions do not require a PIN and do not incur a fee.6

How can I start saving money?
It’s easy! Register or log into the myWisely™ mobile app7 or at myWisely.com. Tap or click

“Future,” and start saving today. myWisely™ will even discover opportunities for you to rollover extra cash into your savings envelope.12

How do I use my card to pay for recurring monthly payments (such as mobile phone)?
Contact your biller/retailer for their direct bill payment options to see if they accept card payments.4 If they do, enter in your card information into the recurring billing payments form.

Can I request a card for a spouse or family member?
Of course! Primary cardholders will be able to transfer funds to and from secondary cardholders. You and all secondary cardholders may be required to pass an additional validation process. Each person has full and immediate access to the funds on their individual card. But please note that secondary cards cannot be used internationally. To order another card,¹ log into your account at myWisely.com or the myWisely™ mobile app.7 Click or tap the menu button in the upper right corner and scroll to the button at the bottom of this menu to order another card. Follow the screen instructions from there.

How do I check my balance and view transaction history without a fee?
myWisely.com or the myWisely™ mobile app7 allows you to check your balance, view transaction history, find nearby ATMs, see spending trends, and much more. You can access your card account online or from your phone, anytime, anywhere, with myWisely™. You can also set up email and text alerts, including low balance notifications at whatever amount you decide.7

Can I add my Wisely Card to Apple Pay®/ Samsung Pay ®/ Google Pay ™?
Wisely cards can be added to mobile wallets for use at participating stores, online and on apps that accept Apple Pay®, Samsung Pay®, and Google Pay™.

What are pending transactions?
This is the amount of money that has been set aside for purchases made with your card, but has not yet been collected by the merchant.

What is a pre-authorization hold?
Certain purchases (hotels, restaurants, car rentals, gas stations, etc.) require pre-authorization and may temporarily hold money from your card balance that would be greater than the actual purchase amount once the purchase is processed. The money will be released, and your balance will be adjusted. Availability of the pre-authorized money could take up several days to be released into your card balance.

  • Gas Stations. When using your card at gas stations, it is best to prepay for the exact amount at the cashier. If you pay at the pump, a hold of up to $100 or more may be placed on your card. This hold may last up to 5 days. (Hold times may vary depending on the merchant.)
  • Restaurants. Restaurants may automatically add up to 25% or more to your bill to cover a tip. If you do not have a sufficient balance on your card to cover the amount, the transaction will be declined.
  • Hotels. Hotels may place a hold on your account for your room reservation. It is typically released upon checkout but may last up to a couple of weeks.

Why does the pre-authorization hold times differ?
Some merchants may require different authorization hold times. The above information is a reference and not a guarantee of hold length.

Can I use my card to pay bills?8
You can pay merchants who accept VISA or Mastercard debit cards directly with your card without a fee. Contact your billers/retailers for their direct bill payment options as third party fees may apply.

You will also be able to use the services of a third-party bill pay provider by logging into your account on the free myWisely™7 mobile app or at myWisely.com. Click on link to the third party’s website once logged in. Please refer to the separate terms & conditions and fees pertinent to the bill payment service provider.

What transactions are not allowed on the card?
You cannot use the Wisely card for unlawful Internet gambling or any illegal transaction.

Does Wisely offer EMV chip cards?
We have released EMV (chip) cards for our upgraded cardholders! To upgrade call 1-866-313-6901.13

Can I use my Wisely card outside of the U.S?
To use your Wisely Card for transactions outside the U.S., including U.S. territories, you are first required to upgrade your card by passing additional validation. To upgrade, call 1-866-313-69011.13 Your card is charged an ATM fee when you use an international ATM. Please refer to the Wisely Pay List of All Fees for applicable usage fees.