How To Check Visa Gift Card Balance
As visa gift cards are gaining popularity, many people are eager to get their hands on one. However, given that it is a relatively new service many are confused about how to use it. According to usa.visa.com here are steps that can help you to check your visa gift card balance.
- Look at the back of your gift card.
- Typically, you will find a toll-free number that you can call to discover your balance.
- The other way is to check your balance by visiting the card issuers site and entering your cards 16-digit number and security code.
- Here are some Visa Gift card issuers where you can check your balance online:
Are You Using The Visa Gift Card For A Car Rental
Many car rental companies require a credit card to make a reservation. To pay with a gift card, instead, make the reservation with a credit card but tell the attendant you will pay the final car rental bill with a gift card. Otherwise, you may be able to make the reservation but the hold on your card will prevent the final transaction from being approved.
Using The Provided Url To Activate Your Card
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Are You Trying To Make An International Purchase
If your Visa gift card is not working, check to see where the website is located. I know that might seem strange, but Visa gift cards issued in the United States must be used in the United States. Visa gift cards may not be used for purchases outside of the U.S. and that includes purchases on non-U.S. websites or by telephone.
Although Visa gift cards may not be used outside of the country, here is a list of gift cards that can be used in Canada and other countries.
What Is The Difference Between A Pending Transaction And A Posted Transaction
Pending transactions are authorized transactions with a hold for the purchase amount until the transaction clears. Posted transactions are purchases that have cleared on your card. There are some pending transactions that are more or less than the amount you actually spent. Some retailers place a pre-authorization amount to ensure the account is active and that you have enough money to cover the purchase. Once the transaction posts to your account, the pending transaction will be removed within a few business days, and you can use the funds again.
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Beware Of Visa Gift Cards: What You Should Know First
When you are looking to get someone a gift but dont know what to get them, you might have considered getting them a gift card so they can go buy whatever they like. But what if they dont shop at Bed Bath & Beyond or eat at Applebees? A Visa gift card seems like a great idea since they are accepted everywhere.
Before you grab that American Express, Discover, Visa, or MasterCard gift card off the rack, these gift cards may be a worst gift than giving socks on Christmas.
Visit The Card Issuer’s Website
Another quick way to check the Visa gift card’s balance is to create an account on the card issuer’s website. For example, TD Bank supplies Visa gift cards that you can activate, register and review your transaction history using their online portal. To create an account, you’ll need to input the card’s 16-digit identification number and CVV number, which is the security code found on the back of the card. You’ll also need to choose a user ID and a password for the account. After logging in to the account, you’ll be able to view your balance and all purchases you made using that specific card.
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What Is Gift Card Activation
Gift card activation can be a little confusing because we use the word activation differently depending on where you buy the gift card. But its really simple.
When you buy a gift card at the store , you take the gift card to the cash register and ask the cashier to load money onto the card. The cashier takes the card, activates it and loads the dollar amount requested onto the card. Now the card is ready to use.
If you buy the gift card online, however, the recipient may be asked to activate the card once it is received. The card is valid and the balance purchased is on the card, but the card may not work until you go through the process of activating it. This is a security measure.
CLICK HERE: To Activate a Visa or Mastercard Gift Card from Giftcards.com.
Is The Gift Card Balance More Than The Purchase Amount
Visa gift cards are linked to bank accounts that cannot be overdrawn. If the purchase is greater than the funds available, the card may be declined. To use a Visa gift card for partial payment, ask the cashier to split the purchase into two transactions. First, deduct the full amount of the gift card, then pay the balance of the purchase with another form of payment.
It used to be that you could not use a Visa gift card to buy anything that cost more than the balance of the gift card, but payment processing terminals are much more sophisticated now. I always make a point to tell the cashier that Im paying with a gift card and whether or not I believe it will cover the full purchase price. This allows both of us to be prepared for a split-tender transactionor completing the transaction with a second form of payment.
Read here for more information on Split-Tender Transactions.
When the gift card balance is less than the transction amount, use this trick to make a partial gift card payment online.
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How To Track Purchases Made On A Visa Gift Card
Visa gift cards are often ideal presents for friends and family who live out of the area, college students or for people who seem to have everything. Recipients can use the card to buy what they need or want in a store or online, anywhere that accepts Visa. When using a Visa gift card, it’s a good idea to keep track of the purchases you make, so you know what your balance is. This way, you’ll know how much is left on the card for future purchases.
How Does The Visa Gift Card Work
The Altra Visa® gift card is not a credit card and may not be reloaded. You may only use it when there is a balance remaining on the card and only up to the amount left on the card. Purchases will be deducted from your Altra Visa® gift card until the value reaches zero. Any transaction attempted for more than the amount available on the Card will be declined.
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They Are Convenient Until They Arent
Many people give Visa gift cards because along with MasterCard gift cards, they are accepted anywhere credit and debit cards are accepted.
However, people have run into situations where their gift cards are declined leading to embarrassment and frustration as the checkout line backs up.
The most common place where people have run into problems using a Visa gift card is at the gas station. Many gas stations obtain a preauthorization hold to ensure there are enough funds available to cover the amount of gas purchased when you are paying at the pump.
These temporary authorizations can be as much as $100. When this amount is more than the available balance on the card, it can lead to the card being declined. To use a prepaid gift card at a gas station, you should go inside to prepay at the register.
Restaurants are another place where you may have issues using your gift card. Some places preauthorize an extra 20% for gratuity when a card is swiped.
Other businesses that use preauthorization holds are hotels and rental car agencies. Make sure your gift card has enough funds available before using it at these places and carry cash or a backup card in case the charge is declined.
Can I Use My Navy Federal Visa Gift Card For Online Or Phone Purchases
Yes. To make an online or phone purchase, youll need to register your card. After signing in to navyfederal.org/mygiftcard, select My Profile under My Settings and enter your name, address and phone number.
When you make an online or phone purchase, the name, address and phone number you use must be exactly the same as the information you provided when registering your card. If the information is different, the transaction may be declined.
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Can You Use A Visa Gift Card For Online Purchases
You might be wondering and have this common question: whether you can make use of a Visa gift card for your online purchases, here we are going to tell you.
So, the answer is yes, you can easily use this card to make and process all kinds and types of online purchases at your end. Furthermore, this card is packed and injected with a Visa logo and you can freely use this card to millions and trillions number of places.
This card is accepted everywhere and you can avail of it for your offline and online purchases.
When you make a purchase, you just have to handover this card to the specific merchant, he enters this card into the machines, then he is going to give you the receipt of your purchase.
The best part of this Visa gift card is that you can use to make your Amazon online purchases.
Can I Use My Gift Card In A Foreign Country
Possibly, but please note these limitations. Gift cards do not have the EMV chip some foreign merchants may not accept the Gift Card as payment if they require the EMV Chip or for the name to be embossed on the Card. At times prepaid cards may be restricted from use in certain countries due to national security watch lists. Also, some locations may be unable to process debit card transactions and are only able to accept cash payments. Gift Cards cannot be used at ATMS or for cash advances. Purchases made with the Card in foreign currencies will be charged in U.S. dollars. The conversion to U.S. dollars will be made in accordance with Visa operating regulations. No currency conversion fee is assessed.
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Why Was I Not Able To Use The Gift Card For An Online Purchase
Online purchases may be declined for two reasons. First, your billing address must be the same as the address associated with the gift card. If the addresses do not match, the transaction may be declined. To register your gift card, visit the Register Card page. Secondly, split-tender purchases such as using two different gift cards to make a purchase may not be applicable online. If you are having trouble making an online purchase, call 844-234-9660.
How Do I Check To See If My Debit Card Is Activated
Using a debit card is a convenient way to make purchases. Because the card automatically deducts money from your bank account, you don’t have to worry about finance charges like you do when you buy on credit. Carrying a debit card is also safer than carrying cash because you can deactivate the card if it is lost or stolen. Whether you are using a new debit card or one that you have not used for some time, you can check whether your card is active before you use it.
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Buying A Gift Card In Person
Activate Visa Gift Card
Activation instructions may slightly differ depending on which company issues the gift card.
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How Do I Order A Card
Generic cards can be purchased in-branch for same day pick up. In just minutes, youll have a gift that anyone will appreciate! Cards can be purchased in any denomination from $20 to $500.The card may not be used for recurring payments, non-financial money exchange establishments and gambling establishments. There is a $3.95 fee per card purchased.
If Your Visa Gift Card Is Not Working After All That
If youve checked all of these things and your Visa gift card is not working, then call the telephone number or check the website typically listed on the back of the card. You will need to contact the issuing company to find out exactly why your card isnt working.
And one other thing. At Giftcards.com, transactions for online gambling sites, adult websites, money transfer services, PayPal and recurring bill payment will be declined. Check the terms and conditions on your Visa gift card to see if other restrictions apply. Read here for another perspective on why a Visa gift card doesnt work.
Do you have any other questions about gift cards or need gift card help? Reach out to me in the comments below, on Twitter or on Instagram .
Happy Gift Carding!
~Shelley Hunter, Gift Card Girlfriend
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How To Activate A Gift Card
Visa® gift cards, Mastercard® gift cards, Discover® gift cards and other bank-issued gift cards typically come with activation instructions. Those instructions often include a link to a website address or a telephone number to call. Cards purchased at Giftcards.com are delivered with an instruction sheet and a shorter set of instructions on a sticker across the front of the gift card.
To activate a gift card, you will need to have the gift card account number and the card verification number from the card itself. The gift card account number is typically 16-digits and embossed on the front of the gift card, while the CVN is typically printed on the back of the card, to the right of the signature.