Your organization will create your Zurvita account on your behalf at the time that your first commission payment is generated. You will receive an activation email at that time, containing both your Account ID number and a link you can click on to begin the activation process.

If you have been notified by your organization that your first payment has been sent but do not receive an activation email within one business day, please contact Customer Support.

To change your registration info:

1. Click Settings on your menu 
2. Click Profile
3. Make the desired changes to your information
4. Click Save

There is no sign-up required to use your Zurvita Pay Portal, as your organization will create your account on your behalf.

Once created, you will receive an activation email containing your account number and a link you may click on to begin the activation process.

Auto Transfer allows you to set up automatic transfers of the funds from your Pay Portal to your bank account or prepaid card— so that you can set it and forget it!

In order to set up Automated Transfer, you will need to have a prepaid card or bank account linked to your Pay Portal.

To set up Auto Transfer in your Pay Portal:

1. Click on Transfer in your menu
2. Under Actions: select Create Auto Transfer
3. Select Confirm

• If you have a prepaid card and/or at least one bank account saved in your Pay Portal, you will see them listed here. If you do not yet have any saved bank accounts, you can add one by clicking on Add New Transfer Method.

Auto Transfer Advanced Options:

Advanced Auto Transfer options allow you to split transfers between 2 or 3 different bank accounts or prepaid cards, as well as configure a minimum transfer amount.

1. Select Transfer in your Menu
2. Under Actions select Create Auto Transfer
3. When in the Auto Transfer page, Selectthe Advanced tab 
4. Select theaccount under Transfer Method and set the % field to the right. The total for all chosen Transfer destinations must equal 100%. 

For example, you can choose to have 60% of your incoming payments go to your card while the remaining 40% goes to a bank account.

Note: Under Additional Options you can choose the frequency of your Auto Transfer. You can choose either daily or monthly. If you choose monthly, you can select the date on which the first Auto Transfer is to take place.

Tip:

• If you would like your incoming payments to be forwarded to your bank account and/or prepaid card as quickly as possible, select the daily Auto Transfer frequency.
• Auto currency conversion. If you get paid in a different currency than the currency used by your Transfer destinations, select the currency in which you get paid here. This will ensure that the funds arriving in your Pay Portal are converted and transfer in your local currency.
• Minimum Auto Transfer amount. For example, you can set your account to only perform a transfer once you have accumulated a minimum of $100 in payments.

Please note: All Auto Transfer destinations selected must use the same currency. This means that you may not, for example, set one of your Auto Transfer destinations as a USD bank account and another as a CAD bank account.

1. Click on Transfer in your menu
2. Under Actions select Update Auto Transfer for the specific account
3. You will now see the details of your Auto Transfer configuration on the Transfer page, along with the options to either Edit or Disable your Auto Transfer.

You may transfer the balance of your Zurvita Pay Portal to any bank account in your country.

To transfer your Zurvita Pay Portal balance to a bank account:

1. Click Transfer.
2. If you have already registered a bank account, select Transfer To Bank from the Actions option for the selected bank account.
3. If you are transferring to a new account, select Add New Transfer Method and enter the required account information. Please carefully verify that your banking information is correct, as incorrect information may cause significant delays to your transfer.
4. Enter the Amount to transfer. Enter any personal notes you would like to store on your receipt (for your records only) and click Continue.
5. If currency conversion is required to complete the transaction, currency conversion details will be displayed.
6. Verify the information and click Confirm.
7. Please allow 1-2 business days for the funds to be credited to a bank account in North America or Europe, or up to 3 business days for other destinations.

The best way to confirm that you have entered your banking information correctly is to refer to the numbers on the bottom of your check.

In Canada and the United States, your account information would be displayed as shown on the sample checks below:

Canadian Accounts:

American Accounts:

For all other regions, please refer either to your bank statement or contact your financial institution to confirm your banking information.

 

To change your password:

1. Log in to your account
2. Click Settings
3. Click Password
4. Enter your existing password
5. Enter your new password
6. Re-enter your new password
7. Click Update Password

Please note: Passwords must contain 6-15 characters and cannot be reused.

If you have forgotten your password, you may reset it by clicking on Forgot Password on the homepage.

1. Select Transfer from your menu   
2. Under Actions, select Update for the selected bank account
3. Update the information
4. Click Confirm

For complete and up-to-date contact information, please see our Contact page.

1. Click Forgot Your Password? on the Pay Portal login page.
2. Enter the email address registered on your Pay Portal.
3. A password reset notification will be sent to this email. Click the Reset Password link. This will direct you to a page where you can enter and confirm your new password.

4. Enter and confirm a new unique password.
5. After successfully resetting your password, a confirmation email will be sent to your email. Click Return to Login Page and use your new password to log in to the Pay Portal.

Please refer to your Cardholder Agreement received with your card or log into your online pay portal and click on Legal to access a digital copy of your Cardholder Agreement.

How can I obtain a Prepaid Card?

If the Prepaid Card option is available for your program and your country, you will see a “Request Card” icon on the left-hand side of your Pay Portal. Click on this icon, ensure that your profile information is complete and accurate, and submit your request. If a Card Activation fee is defined in your Cardholder Agreement, it will be debited from your Pay Portal balance.

Obtaining Your Card: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to reasonably identify you. We may also ask to see your proof of identification and proof of address.

How long does it take for the card to arrive after I request it?

Depending on your location, please allow the following delivery times to receive your prepaid card after your request has been approved.

USA: up to 15 business days
Canada: up to 15 business days
Europe: up to 15 business days

Rest of World:
Standard - up to 6 weeks
Expedited - up to 3 weeks

What should I do if the card doesn't arrive within the normal delivery timeframe?

If you do not receive your card within the delivery times listed above, please contact Customer Support .

What are the benefits of using a Prepaid Card?

• Load your card instantly using your commission payments.
• Shop at any merchant bearing the Acceptance Mark displayed on your card front or back - in-store, online, or by phone.
• Withdraw cash at more than 1 million ATMs worldwide
• View your card balance and statement online or from your mobile phone.

Do I need to activate this card? How?

Once you receive your card in the mail, you may activate the card by calling the telephone number listed on the back of the card and following the voice prompts for card activation or you may activate online at https://www.zurvitapay.com. Please log in to your account online, click on the “Activate Card" link, and follow the on-screen instructions. You will not be able to use your card until you have activated your card by accepting the Cardholder Agreement.
*Please note that telephone calls can be subject to international long distance rates.

How many cards can be attached per Pay Portal?

Each Pay Portal may have one primary cardholder and one secondary cardholder. Both cardholders access the same card balance.

Can the card be in the name of my business?

Prepaid cards may be issued in the name of an individual only.

How will I get my card’s PIN code?

You will be provided or prompted to assign your personal card PIN during the card activation process.

How can I get money onto the card?

Once you have activated your card, you can move money from your online Pay Portal balance onto the prepaid card by clicking on “Prepaid Card” in your Pay Portal menu, then selecting “Load Prepaid Card” from the prepaid card dashboard. Funds transferred in this way will be available to use on your card immediately.

Where can I use the card?

Dependent on your card type, you can use your Prepaid Card to make purchases from any merchant bearing the Acceptance Mark displayed on your card, including online (except for online gambling merchants).

Please note that some merchants such as gas stations or rental car agencies may have a policy to not accept prepaid cards. This is a merchant-specific policy.

How can I obtain my card balance?

There are four ways you can check your card balance:

• By logging into your online Pay Portal and viewing your card balance.

• Using your smartphone, by accessing your Pay Portal via the mobile site https://www.zurvitapay.com. Or, find and download the Paylution mobile app from iTunes or Google play Store.

• By calling the number listed on the back of your card and selecting the option to obtain your card balance.

• By consulting an ATM.

How long does it take for my transaction history to update with my card transactions?

Your Pay Portal transaction history will be updated with your card transactions a few moments after the card processor receives the transaction information. Please note that not all merchants may immediately submit their card transactions for processing, so you may not see the transactions in your history right away.

Can I use the card to withdraw cash at an ATM? If so, which symbols should I look for on the ATM?

You can use your prepaid card to make cash withdrawals at any ATM bearing the Acceptance Mark displayed on your card front or back. Please refer to your Cardholder Agreement to view your withdrawal limits.

Can I use the card outside of the country?

Yes, your Prepaid Card can be used internationally. If you make a purchase or withdrawal in a currency other than the currency in which your card was issued, the Issuer may assess a foreign currency conversion fee of 3% of the transaction amount.

Can I make transfers to my card and/or view card transactions on the mobile application?

You can load your card and view your card balance and history by logging into your account on your mobile application.

What is the maximum balance my card can carry?

Your card type determines your maximum balance. Please refer to your Cardholder Agreement for your maximum balance.

What limits is my card subject to?

Your prepaid card is subject to transaction limits as defined in your Cardholder Agreement under Fees and Limits Schedule.

What should I do if I forget my PIN?

If you forget your PIN, you can obtain or reset it using the Reset PIN feature in your Pay Portal or by calling the phone number listed on the back of your card.

What should I do if my Prepaid Card is lost or stolen?

If your card is lost or stolen, please immediately call and report it to the number shown here, any time of day and any day of the week. Our agents can then assist you by cancelling the card and issuing a new one for you.

What do I do if I don't recognize the merchant listed on my statement?

Some merchants may bill under a name other than their operating name or bill from a state different from where you made your purchase. If you still have questions about the transaction, please contact the merchant directly.

What is a Prepaid Card dispute?

If you believe that a prepaid card transaction has been posted to your account in error, you may submit a prepaid card dispute within 60 days of the date that appears on the transaction statement or receipt.

What happens after I submit my dispute?

After we confirm your dispute claim, we may need to contact the merchant and their bank regarding the disputed transaction. In some cases, we may contact you again via Mail if we need more information. We process disputes according to billing error procedures that are governed by federal law and outlined in your credit card agreement.

What should I do before I submit a Prepaid Card dispute?

A quick call to the merchant can often answer your questions and easily resolve your credit card dispute. However, if this is not resolved, you may want to submit a dispute.

How do I submit a prepaid card dispute?

Download the dispute form and follow the procedures pertaining to your Prepaid Card type:

Visa USA

Visa Canada

Disputes are subject to time limits that vary between 30 and 120 days after the date they appear in your transaction history.

Most transactions must be disputed within 60 days of the date when they appear on your transaction history.

How long will it take to be reimbursed for unauthorized charges?

Approximately 45 – 60 days.

When you swipe or insert your prepaid card at a gas station pump, the gas station will place a pre-authorized hold of up to $125.00 USD or more on your card prior to you filling up.

The actual amount purchased will be processed on the card at a later time, but the initial hold may last for 8 days before being released, minus the amount of gas that was purchased.

During the time that the hold is in effect, the funds being held will be unavailable for you to use.

When the transaction settles, you will only be charged for the amount of gas purchased.

To avoid pre-authorized holds, we recommend pre-paying inside the gas station so you can specify the exact amount of gas you wish to purchase.

Some other merchants may have similar practices and even longer maximum pre-authorization timeframes:

• Hotels and cruise lines (up to 30 days)
• Vehicle rental agencies (up to 60 days)
• Financial institutions (up to 10 days)

In some cases, the merchant may be able to make an exception and release the pre-authorized hold earlier than the maximum allowed hold time.

Why is a transaction still outstanding?

If you notice a transaction under the status “outstanding purchase”, the merchant has not yet cleared the transaction. Transactions are usually cleared by the merchant shortly after the purchase was made.

However, some merchants such as gas stations, hotels, or cruise lines for example may pre-authorize a larger amount than the initial purchase and keep a hold on the funds for a longer time. These transactions will remain “outstanding purchases” until the merchant releases the funds and clears the transactions.

Can I dispute an outstanding purchase?

Please note that you will not be able to dispute a transaction if the status is still “outstanding purchase”. However, the merchant should be able to release the funds early. In order to have the funds released, please refer to section below.

How to release Pre-Authorized transaction?

If you would like to have the funds released earlier than the usual time frame, please follow the instructions below:

The merchant will need to fax a pre-authorisation release letter to hyperWALLET Systems Inc. at +1 (604) 482-0091.

The letter will need to be sent directly from the merchant and will also need to be on company letterhead. The following information must be included for the authorisation to be released:

• Customer’s Name
• Customer’s card # (first 6 and last four digits only)
• Date of authorization
• Authorization Amount in original currency
• Authorization Code
• Merchant ID

If the pending authorization is from a car rental, the merchant will also need to supply a copy of the closed contract (showing that the car has been returned).

If the pending authorization is from a hotel, the merchant will also need to supply a copy of the closed folio (showing check in/check out).

Mobile wallet apps allow you to securely store payment information like credit, debit, and Prepaid Card numbers on your mobile device.

Tokenization is a data security feature that replaces your real card number with an anonymous account “token” at the point of sale. When you make a purchase, the merchant uses this token – not your card number – to verify and process your payment.

Together, a mobile wallet with tokenization technology gives you a fast, safe, and convenient alternative to using your physical card when shopping in-store or online.

Are mobile wallets safe to use?

Yes. In fact, mobile wallets are more secure than physical cards. Using a mobile wallet reduces the risk of fraud by allowing you to take advantage of your device’s password and biometric authentication features like fingerprint and iris scanners. Tokenization provides the additional benefit of masking your card number so that even the merchant you’re paying is not able to see it.

Which cards are eligible?

USD Prepaid Cards issued by Pathward, N.A. or The Bancorp Bank, N.A.

How do I keep my device and card details secure?

• Use your device’s additional security options. Create a lock-screen PIN and setup fingerprint or iris recognition if available.
• If your device supports fingerprint recognition, only register your own fingerprint and do not allow anyone else to add theirs.
• Never leave your device unattended in public.
• Be wary of unsolicited messages asking you to reveal personal or financial information, and those that request permission to access or install software on your device.
• If your device is lost, stolen, or compromised, contact customer support immediately so we can assist with suspending or disabling and replacing the card registered on your mobile wallet.
• If available, sign up for your device’s “Find My” service. This will allow you to locate, lock, and remotely wipe sensitive data from your device if it is lost or stolen.

What’s the difference between Samsung Pay & Google Pay?

Google Pay uses Near Field Communication (NFC) technology to make contactless payments using your mobile device. This “tap to pay” service is limited to merchants with NFC-enabled payment terminals. In order to accept Google Pay for in-store purchases, merchants may be required to upgrade their payment terminals to accept devices with NFC capabilities.

Samsung Pay takes advantage of both NFC and Magnetic Secure Transmission (MST) technology. MST allows you to use the mobile wallet’s “tap to pay” functionality at almost any payment terminal in the world that accepts debit or credit cards.

How will mobile wallet transactions appear on my card statement?

All purchases processed on a mobile wallet will appear on your Pay Portal transaction history just like any other point-of-sale transaction.

How do I return an item purchased using a mobile wallet?

You'll need your store receipt, just like you would for any other purchase. If the merchant asks you to swipe or provide the original payment method so they can process a refund, simply hold the back of your phone up against the contactless payment terminal.

Can I use my mobile wallet to pay in-store internationally?

Yes. You can use your mobile wallet internationally almost anywhere contactless payments are accepted. Foreign exchange or other fees may apply. Please see your Cardholder Agreement for details.

I was sent a One-Time Passcode (OTP) when registering my card on a mobile wallet. What is this and why is it required?

To verify your identity and keep your card details secure, a one-time passcode is sent to you by text message* when registering a payment method on your device. You will be prompted to enter this code during the registration process.

*Standard text messaging and/or data rates from your wireless service provider may apply.

How do I learn more about Samsung Pay?

For more information, click here.

How do I learn more about Google Pay?

For more information, click here.

1. Enter your Username and Password on the login page.
2. Click Sign In

If you're unable to access your Pay Portal and are receiving an "Error 104" message, find your IP address and contact us for assistance. 

    1. Tap on the Menu icon in the top-left corner.
    2. Tap on History. The History screen will open.
    3. Tap on a tab to view the 20 most recent transactions.

You can look up a transaction receipt from the transaction's Details screen. To open the Details screen, simply tap on a transaction in the Overview screen or History screen.

No. Currently you can only update your portal profile using the Zurvita Pay Portal site. However, you can view a read-only instance of your portal profile from Settings > Account Profile

    1. Tap on the Menu icon in the top-left corner.
    2. Tap Transfer. The Transfer screen will open.
    3. Select the portal, external account or card that will be involved in the transfer.
    4. Select from the available transfer options.
    5. Specify the Amount to transfer. You can select Total Balance to transfer the total balance instead.
    6. Optional: add a Note for the transfer.
    7. Tap Next.
    8. On the Confirm screen, tap Confirm.
    9. The Receipt screen will show a receipt for the transfer. Tap Close to return to the Overview screen.

No. The app only works with existing accounts that you have created using the website.

The PassWallet/Passbook command from the app's menu lets you create a "pass" for a card balance synchronized with the Zurvita Pay Pay Portal server. You can then look up the card to see your current balance for the card in the default Passbook app for iOS devices, or the 3rd-party PassWallet app for Android devices.

To create a pass: 

1. Tap on the Menu icon in the top-left corner.
2. Tap PassWallet if you are using an Android device, or Passbook if you are using an iOS device. The PassWallet or Passbook screen will open.
3. Select the card you wish to create a pass for. On Android devices, this will create the pass. On iOS devices, tap on Create Pass to create it.

Currently the following languages are supported by the app – English, French, German and Spanish. If your device's current language is one of the four supported languages, the appropriate one will be automatically selected, else English will be used.