June 25, 2010

Using Add Credit/Debit Card Feature In AlertPay

Alert Pay Has finally added an Add credit/Debit card option to its offer; this is good news for those that use Alert pay as an Internet Payment processor.


Fees apply to AlertPay balance or credit card payments, depositing and withdrawing money and foreign exchange.
For credit card payments it’s 4.90 % + $0.25
For more information on Fees, check Here
Using your credit/Debit card still has some limitations that I have pointed out below in an FAQ’s

Q: How can I use my credit card? 

Credit cards are only used to send money or make a payment.  Adding funds to your AlertPay balance acount by credit card is not available at this time.

Q. How do I add a credit card to my account?

To add a credit card, just follow these instructions:
1. Login to your AlertPay account.
2. Click on “Profile”.
3. Under “Financial”, click on “Credit Cards”.
4. Enter in your credit card details and click on “Next”.
5. Check the box to agree to the terms and conditions.
6. Click on “Finish”.
Your credit card has been added successfully.

Q: Does Aletpay accept debit cards?
Yes, Alert Pay accept debit cards only if they are issued by Visa or MasterCard.  You can use your debit card the same way you can use a credit card. Please note that you cannot deposit money with your debit card, but you can withdraw funds from your AlertPay balance as long as your debit card is issued by Visa or MasterCard. You can also use it to make direct payments through the Send Money feature or a seller’s checkout process.

Q: What types of cards do we accept? 
AlertPay accept Visa, MasterCard and American Express, as well as debit cards issued by Visa or MasterCard.

Q: What is the spending limit for credit cards?

Currently, the spending limit with a credit card is $500 USD due to our agreement with Visa and MasterCard. This limit is reset at the beginning of each calendar month. If you need to spend more than $500 in one month, you can add a second credit card which will also have a $500 limit, giving you access to $1000 a month by credit card. 

Q: What is  phone validation?                                                      
This measure will ensure that the right person is initiating the credit card transaction and will prevent fraudsters from using stolen credit card information to make purchases. In Send Money or checkout, you will be brought to a phone validation screen after clicking on “Send” or “Pay” respectively. You will be prompted to choose a phone number listed in your account. You will also be given the option of adding a new number.
After choosing or adding a phone number, select “Request validation code” and you will receive an automated phone call with a validation code. You must enter the code in the appropriate field before completing your purchase.
If you are a U.S. or Canadian citizen, this will count towards the verification of your AlertPay account. Please note that you only need to complete this process once.

Q: How do I send money using a credit card?

You can use your credit card to send funds to friends, family and sellers. To do this, you must login to your AlertPay account and add your credit card to your profile information.  Once your credit card has been added to your profile, you can use it to send money. 
A.  Follow these steps to send money if you have already added a credit card to your AlertPay account:
1. Login to your AlertPay account.
2. Click on “Send Money”.
3. Enter payment details, including the receiver’s email address, amount and purchase type and click on “Next”.
4. Verify information and select shipping address, if applicable.
5. Choose method of payment. Check the “Use my credit card” box and select your credit card.
6. Enter your Transaction PIN and click on “Send”.
Your payment has been sent successfully.
B.  If you have not already added a credit card to your AlertPay account, follow these steps:
1. Login to your AlertPay account.
2. Click on “Profile”.
3. Under “Financial”, click on “Credit Cards”.
4. Enter credit card details and click on “Next”.
5. Verify details and check box to agree to “Terms and Conditions”.
6. Click on “Finish”.

Q: Why can't I pay with MasterCard?
Solution The seller you are trying to pay may not be able to accept MasterCard payments at this time. Alternatively, you can use a different credit card, such as a Visa or American Express, or use one of our other depositing methods to credit your AlertPay account and complete your transaction.
You can choose from a number of methods to deposit money into your AlertPay account:
•  Bank Wire
•  Bank Transfer*
•  Certified/Cashier’s Check
•  Money Order
Just login to your AlertPay account and click on "Deposit" to initiate a deposit transaction. Follow the simple steps and you are on your way.
*Please check if Alertpay provide
local banking for your country.
Furthermore, some sellers must complete a website review in order to accept credit card payments through their website. If you have already added your MasterCard to your AlertPay account, or any other acceptable credit card, and still cannot make your payment, it could be that the seller has not completed this mandatory process or just cannot accept MasterCard payments.
If this is the case, please contact the seller for more information.

Q: Which currencies are available for credit card spending?
You can choose to be billed in USD, GBP, EUR, CAD, CHF, HKD, NOK, SEK, and DKK. This way you can save money on costly currency conversion fees.

Q: Can I change my credit card’s currency?
You can make online purchases in nine currencies — USD, EUR, GBP, CAD, CHF, SEK, HKD, DKK and NOK — and save money on currency exchange.  You can easily select your currency of choice at the point of purchase or when using the Send Money feature:
1. During checkout or Send Money, select “Use my credit card”, under “Method of Payment”.
2. Select your Visa or MasterCard. This feature does not support American Express.
3. Select “Edit the currency of your credit card”.
4. Click on “Update”.
5. You will be re-directed to checkout or Send Money to complete your transaction.

Q. How do I edit my credit card currency?
To edit your credit card’s currency, simply follow these steps:
1. Login to your AlertPay account.
2. In your “Profile”, select “Credit Cards” under “Financial”.
3. When you see your credit card details, just select the pencil icon to edit the currency of your credit card(s).

Q: I am not an AlertPay member, can I still make a purchase from the merchant's website with my credit card?
Yes, you can! Simply do the following to make your credit card payment at a seller’s website.
1. Enter the purchase details.
2. Enter your credit card details.
3. Enter a valid email address.
4. Payment will be sent immediately! AlertPay will create an AlertPay account for you and send you a confirmation email.
*Please note that you must choose “credit card” as your source of funds.

Q: Can I cancel my credit card transaction?
You cannot cancel your credit card transaction. Credit cards are automated and the processing occurs immediately. The funds become available to you immediately leaving no opportunity for cancellation. If you would like a refund for a credit card transaction, you must contact the seller.

Signup to AlertPay today

Watch the video on How to Add a Credit/Debit card to your AlertPay Account.


  1. Adding credit/debit card feature in alertPay is really great, these were really great information given by you, I personally like all these information and do appreciate your post.

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  2. I like that you have given a step type kind of informative article here. I am one who advocates the use of credit debit cards. They truly are wonderful. No overspending and can be used virtually everyplace.