how to use a prepaid visa card

How to use a prepaid visa card

How to use a prepaid visa card

How to use a prepaid visa card

Frequently Asked Questions for Kinecta Express and Change for Tomorrow Card

How does a Prepaid Card work?

It's a re-loadable prepaid Visa® debit card, which means you can spend up to the value placed on the card anywhere Visa® debit cards are accepted. You can shop in stores, online, over the phone, and by mail order. You can get cash at Visa® ReadyLink, Plus®, Star®, or NYCE® ATMs worldwide. Each time you make a purchase, the amount of that purchase is automatically deducted from the card.

How do I know the balance on my Prepaid card?

You can check your available balance by doing a balance inquiry at an ATM, by calling the number on the back of your card or by checking the balance at this website (the balance will only be available if you have activated your personalized card). If enrolled, you will also receive text/email alerts after each transaction (standard text messaging rates may apply). Since a merchant may not be able to tell how much money is on the card, keeping track of your balance is a sure way to know how much you have to spend.

Where can my Prepaid Card be used?

Your card can be used to make purchases anywhere Visa® debit cards are accepted and to obtain cash at any Visa® ReadyLink, Plus®, Star®, or NYCE® ATM worldwide.

Are there transaction or reload limits?

Purchase transactions and reload limits vary. To learn more about the current limits, please reference our terms and conditions found on this web site.

Only the individual that purchased the card is authorized to use it.

Can I purchase a Prepaid Visa® Card as a gift?

No, Kinecta Express Prepaid Visa® Cards cannot be given as a gift. You purchase the Kinecta Express Prepaid Visa® Card for your own personal use.

How do I get a Prepaid Card?

You can purchase a Prepaid Card by visiting a Nix Check Cashing branch. Branch locations are listed on the web site or you may call 1.800.418.3942 for a location near you.

Does the cardholder need to sign an agreement?

Each card is distributed with Terms & Conditions. This document fully explains the terms and conditions regarding the use of the card. This document can also be viewed online. The cardholder accepts the terms and conditions by signing the back of the card, using the card, or receiving the card by request.

How do I sign up for text and/or email alerts?

You may request text/email alerts upon initial card purchase at a Nix location. Or after you have enrolled onto the Kinecta Express website, click on “Alerts9rdquo; to enroll (standard text messaging rates may apply).

How do I activate my Prepaid Card and obtain my PIN?

Instant Issue Non-Personalized and Personalized cards are activated by calling 1.800.418.3942. You will be asked to select your PIN at the time of activation. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess.

What happens if I need to return an item?

Each merchant location has its own return policies and will handle the returns in the same manner as any other Visa® transaction and may take up to 7 business days to be credited to your Prepaid Card. They may credit your Prepaid Card; provide a cash refund, or a store credit.

What if the purchase is denied?

If a decline occurs, the card's available balance is probably less than the purchase amount. You may inform the merchant of the remaining balance on the card and use another form of payment to pay the difference, subject to the policy of the merchant. Also, please be aware that some merchants - for example, restaurants, car rental agencies, salons, mail-order companies, and cruise lines - preauthorize for an amount slightly higher than your actual transaction to ensure sufficient funds for tips or incidental expenses. This amount is "held9quot; until the transaction settles to your Prepaid Card. Only the amount you sign for will ultimately be deducted from your card. To use the card at a gas station, it is recommended that you pay inside to avoid additional funds from being held (up to $75) when your card is authorized while paying at the pump. Again, only the actual amount spent will ultimately be deducted from the card.

Can I use the prepaid card to make a purchase that is larger than the balance on the card?

Yes, simply pay the portion of the purchase with the available balance on your prepaid card then request to pay the balance of the purchase with cash, check, or a credit/debit card.

Can I reload the Prepaid Card?

Yes, the card can be loaded up to 25 times for Instant Issue Non-personalized and unlimited times for Personalized. Loads may only be added to the card using cash at any Nix Check Cashing location or authorized ReadyLink load center.

Why might my initial load or reload be declined?

Possible reasons your initial load or reload might be declined are: the name/address on file with the debit card issuer does not match the primary cardholder profile on the Visa® Prepaid Card website, the card expiration date or 3 digit code listed on the website is incorrect, or the 25 load limit or other applicable limits have been exceeded. First, verify your funding source information and the total number of reloads performed to date. If this does not resolve the issue, call 1.800.418.3942 to discuss other limits that may have been exceeded.

Can the card ever have a negative balance?

Any authorization request that is greater than the card's available balance will be declined.

How do I find an ATM when I travel - especially overseas?

Visit the ATM locator found at this website or at www.Visa®.com for participating Visa® ATMs both domestic and abroad.

What is the exchange rate when I get to another country?

The exchange rate is determined by the rate of exchange on the date of purchase. Using your Prepaid Card at an ATM can be less expensive than using a currency exchange to get foreign currency.

When I travel, are my receipts in U.S. dollars or the local currency?

Your receipt will reflect the local currency. It is always good to plan ahead and have a general idea of what the local exchange rates are before you travel. This helps you to understand what goods and services are actually costing you.

What happens if my Visa® Prepaid Card is lost or stolen?

We provide 24-hour toll-free support. Immediately report any problems or a lost or stolen card by calling 1.800.418.3942. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out in the terms and conditions and any applicable fees).

Can I make purchases on the Internet with my card?

Yes, you can make purchases on the Internet with your card up to the value of the card.

Will I get charged a fee for using my card at participating merchants?

You will not be charged a fee for making a purchase at participating merchants other than the standard transaction fees associated with the card as listed in the terms and conditions.

How can I track my spending?

You can track your spending in any of the following ways:

  • Call the number on the back of your card toll free anytime (when calling, you will be given your balance once. If you decided that you would like to hear your balance again, additional fees will apply).
  • Log onto this website anytime (the balance will only be available if you have activated your personalized card).
  • If enrolled, you can receive text/email alerts after each transaction (standard text messaging rates may apply).

Can I view my balance on the website if I have not received or activated my personalized embossed card?

Yes. You must at least activate your instant issue card then you will be able to view your balance.

Can I make card to card transfers using funds from my other banking institution?

At this time, you can only make card to card transfers to existing Kinecta Express card customers.

What does Strong Authentication mean when registering on the web site?

Strong Authentication (SA) is an additional level of security added on to the sign on or log in process for a banking or financial Web application used by consumers. A Web application can provide SA in several ways. In general, SA requires a banking or financial Web application to provide one or more of the following security options:

  • Require a personal user ID and password setup by the consumer
  • Challenge questions to verify that the consumer is who they say they are
  • Picture and personal phrase for website authentication
  • PC registration


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The Kaiku Visa Prepaid Card is a viable option for individuals who want a trustworthy way to manage finances without getting into loads of debt. The Kaiku Visa can be reloaded through a variety of ways and then used to make purchases. Consumers can use the card to keep better track of their spending and not be charged any fees or interest to do so. There are many pros and cons to obtaining and using the Kaiku prepaid card. This review takes an honest look at how well the card works.

There are a lot of really good reasons to use a Kaiku card. It’s not a credit card, it’s a prepaid card so there is no need for a credit check when you apply for the card. There is also no cost for applying to get a Kaiku prepaid card and they do not require a minimum balance. As long as you direct deposit at least $750 each month and use only ATMs that are in the network, there are no fees. Even if you don’t deposit the required $750, the fees for maintaining the card are only $3; that’s the cheapest for prepaid cards anywhere.

Funds can also be transferred to the card via several means which makes it very handy.

The Kaiku Mobile App is easy to use on a smartphone. Using the app you can transfer money from a bank account, send money to other Kaiku cardholders, check balances, and keep up with your transactions. You can also use the app to find in-network ATMs to use for no charge. Using your smartphone, you can take a picture of a check and have it deposited directly into your account.

One feature that stands out is mobile quicklook. Quicklook monitors your spending and alerts you to any fraudulent activities on the account.

There are plenty of in-network ATMs to use for transactions free of charge. You can get cash directly from around 55,000 in-network ATMs.

If you want more cards, you can add up to three family members.

The Kaiku is a Visa card and is accepted anywhere that accepts Visa.

You’re not stuck with an ugly card. There are 6 different colors and designs to choose for your cards. You are free to choose the one which best reflects your personal taste and style.

The Kaiku prepaid card doesn’t have a lot of bad things to report. There is a $3 maintenance fee on the card if you do not use a direct deposit each month to deposit the minimum of $750. There is also a fee if you use an ATM outside the network for transactions.

There are not any “extras” some people prefer. You are not going to earn any “extra points” or “rewards” for using the card.

The Kaiku card is a prepaid visa and works similarly to a debit card you get from a bank. The basics are the same as far as making purchases or withdrawals, you are just withdrawing against the amount you deposited in the account. There are some other features of the Kaiku card too that make it more useful.

One feature is that you can deposit your benefit check or paycheck directly to the card for no additional fees. You also have the option of transferring money from one Kaiku card to another for no charge. A text alert is sent to you when money gets deposited on the card or if your balance runs low.

You can provide other family members with cards too. Customer service is totally free if you need them. That may sound silly, but some cards actually charge customers to call customer service.

How is money put on the card?

There are several different ways to put funds on the Kaiku card including:

  • Using a mobile app to take a picture of the check and deposit it into the account
  • Set up a direct deposit with your paycheck or benefits check
  • Transfer money from a Paypal or Amazon account
  • Through a MoneyGram facility
  • Deposit Cash at a Visa Readylink location
  • Transferring funds from another card

You can withdraw cash for no charge at ATMs and in-network Point-of-Sale (POS) devices.


Kaiku® Visa® Prepaid Card Review – A No-Frills Debit Card

The Kaiku® Visa® Prepaid Card is a straightforward, no-frills reloadable prepaid card with clear (and generally low) fees, a huge network of fee-free ATMs, and an attractive brand that appeals to young, on-the-go people who don't want to jump through traditional banks' hoops.

But its what-you-see-is-what-you-get approach cuts the other way: Kaiku doesn't have value-added membership benefits, and its simplicity-minded limitations are bothersome for frequent or high-balance users.

Need a no-frills prepaid debit card that helps you manage your day-to-day spending? The Kaiku® Visa® Prepaid Card is definitely worth a closer look.

The Kaiku Visa Prepaid Card belongs to the Visa Clear Prepaid family of reloadable prepaid debit cards. Like its Visa Clear stablemates, the card has a clearly outlined and super-straightforward fee schedule that eliminates billing surprises and makes it easy to create a monthly budget. Its practical approach is matched by sleek, millennial-friendly branding, complete with six neon-ish card color options and a defiant slogan: “A New Way to Everyday.”

By the prepaid card segment’s standards, Kaiku has a very reasonable fee schedule and simple features that improve the cardholder experience, such as surcharge-free access to about 55,000 Allpoint ATMs in the U.S. It’s free to purchase and activate a card, and the process doesn’t require a credit check. The drawback of Kaiku’s simplicity, transparency, and low fees is a distinct lack of value-added benefits, such as roadside assistance, as well as somewhat restrictive limits on card value (balance) and transaction activity.

The Kaiku Visa Prepaid Card competes with other cards in the Visa Clear family, including the Green Dot Reloadable Prepaid Visa Card, the PNC Smart Access Prepaid Visa Card, the Walmart MoneyCard Preferred Card, and the Prepaid Visa RushCard. It’s also worth comparing to prepaid cards not included in the Visa Clear stable, including American Express Serve, Chase Liquid, and the Western Union NetSpend Prepaid MasterCard.

  • Load Options and Possible Fees. Before you can use your Kaiku card, you need to load it with cash using any of the following methods. When you run out of funds (i.e., your card value drops to zero), you can reload it using any of these methods as well: direct deposit from an employer or benefits provider, inbound transfers from other prepaid cards (you can also send funds to other prepaid cards, which is useful for settling personal debts), mobile check deposit, transfer from PayPal or Amazon, and in-store cash loads at participating retailers such as Walmart and Walgreens. For most methods, funds are available anywhere from immediately (direct deposit and card-to-card transfers) to one to three business days (all except mobile check deposit). Mobile check deposit can take up to 10 business days, depending on your bank, though you can get same-day funds availability for a fee equivalent to as much as 4% of the deposited amount ($5 minimum). Depending on the merchant, in-store cash loads cost $2.95 to $4.95 per load. All other load and reload methods are free in all cases.
  • Other Fees. There’s a monthly maintenance fee of $3, which is waived if you load at least $750 on your card in any given calendar month. Kaiku also charges an out-of-network ATM withdrawal fee of $1.45 on its end, in addition to any surcharges levied by the ATM operator. Otherwise, Kaiku’s fee schedule is pretty lax. There aren’t any fees for card purchases, activation, card replacements, international transactions (such as currency conversion fees), inactivity, replacing a lost card, returned items, stop payment, online bill pay, or paper statement copies.
  • Limits. Kaiku imposes some important limits on transactions and card balances. The most important include a maximum card value of $10,000 at any time, a maximum cumulative load of $25,000 in any 30-day period, 45 total loads in any 30-day period, a $1,500 single-transaction size limit, a $3,000 daily spending limit, a $500 maximum daily ATM withdrawal limit, and a $20 minimum load or reload.
  • Online Bill Pay. Kaiku has a free online bill pay system that works just like a traditional bank’s, though it’s subject to Kaiku’s transaction size and frequency limits.
  • Secondary Cardholders. You can have up to three additional users on your Kaiku account. Each one receives a unique card bearing his or her name and enjoys the same benefits (including the ability to load and spend funds in the account) as the primary cardholder.
  • FDIC Insurance. Like bank account balances held with FDIC member banks (virtually any bank that does business in the U.S.), Kaiku card values come with FDIC insurance up to $250,000 per card. Of course, the $10,000 balance limit means you can only ever lose $10,000 on a Kaiku card.
  1. No Activation Fee. The Kaiku Visa Prepaid Card never charges an activation fee, regardless of how you purchase and activate it. By contrast, the Green Dot Reloadable Prepaid Visa Card costs as much as $4.95 to purchase and activate at retail stores. American Express Serve costs up to $3.95 to purchase and activate at retail stores. Some cards, including the AccountNow Prepaid MasterCard and the TD Go Card, even charge fees for online activation.
  2. Other Fees Are Very Reasonable. Kaiku’s biggest fee is the $3 monthly maintenance fee, which is pretty low compared to competing issues such as Green Dot ($5.95) and Chase Liquid ($4.95). Plus, it’s waived if you deposit loads equivalent to at least $750 per month. The only other fee charged by Kaiku itself is a $1.45 surcharge for each out-of-network ATM withdrawal – which, given Kaiku’s 55,000-strong network of fee-free ATMs, is relatively easy to avoid. Kaiku avoids fees for actions that often incur a fee elsewhere, such as replacement cards ($4.95 at Green Dot and $3.95 at Western Union) and online bill pay ($1 per transaction at Western Union).
  3. Inclusion in the Visa Clear Prepaid Family. Kaiku is part of the Visa Clear Prepaid card family, a prominent network of reputable prepaid card issuers. To qualify for the Visa Clear designation, issuers must clearly and transparently list their fees and avoid charging fees for such events as declined transactions, point-of-sale cash back, and in-network ATM withdrawals. Some other card issuers, such as NetSpend and Western Union, don’t belong to reputable card networks and thus don’t offer the same level of transparency and consumer-friendly protections.
  4. Expansive Network of Fee-Free ATMs. Kaiku belongs to the Allpoint ATM network, which has some 55,000 fee-free ATMs in the United States. Other issuers can’t match this level of coverage: American Express Serve belongs to Money Pass, which only has 24,000 fee-free ATMs, and the PNC Smart Access Prepaid Visa Card only has access to about 7,000 PNC-branded ATMs.
  5. No Foreign Currency Exchange Fee. Kaiku doesn’t charge a currency exchange fee for transactions made in a foreign country – a particularly nice advantage if you live close to Mexico or Canada and routinely cross the border for excursions, business, and short vacations. Green Dot charges 3% for all foreign transactions.
  6. Attractive, Semi-customizable Card Designs. While it’s not wise to make aesthetics the deciding factor in your prepaid card choice, Kaiku’s colorful and somewhat customizable designs definitely count as a fringe benefit. You can choose from six different color schemes, all with an upscale background pattern that resembles cut wood boards. It’s rare to find a prepaid card that permits this level of customization, not to mention one with a well-thought-out color and design scheme.
  1. Limited Membership Benefits. Kaiku is a pretty bare-bones card. Beyond its transparent policies and reasonable fee structure, it doesn’t come with many (if any) value-added perks – benefits that don’t necessarily have a hard monetary value, but nonetheless contribute to the overall customer experience. By contrast, American Express Serve comes with a host of value-added benefits, including roadside assistance, special deals on big-ticket events (such as popular concerts and sporting events), and AmEx-only discounts on retail and restaurant purchases.
  2. Can’t Build Credit. Since it’s not a credit card or loan, your Kaiku Visa Prepaid Card can’t help you improve your credit score or build your credit history. This is especially inconvenient if you have imperfect credit or are relatively new to the credit game and need access to financial products that can boost your credit profile. Visa’s lineup of secured credit cards, which share many characteristics with Visa-branded prepaid cards like the Kaiku card, can build your credit.
  3. Higher Direct Deposit Requirement to Avoid Monthly Maintenance Fee. You need to arrange loads equivalent to $750 per month to avoid Kaiku’s $3 monthly maintenance fee. That compares unfavorably to American Express Serve, which requires direct deposits totaling only $500 per month to achieve the same feat.
  4. Maximum Card Value Capped at $10,000. You can never carry more than $10,000 on your Kaiku card. If you have higher day-to-day spending needs or lots of bills to deal with on a monthly basis, that limit could be a problem. Chase Liquid doesn’t have any balance limits at all.
  5. Inconvenient Reload Limits. Kaiku imposes some limitations on reload size and frequency, such as a 45 total loads or a maximum cumulative load of $25,000 in any given 30-day period. As long as you load your card by direct deposit, check deposit, or bank transfer, Chase Liquid doesn’t impose any limits on reload amounts or frequencies.
  6. No Debit Card Load Option. Kaiku doesn’t let you reload your card with a debit or credit card. While the latter is understandable, the former can be inconvenient if you use your Kaiku card primarily as a day-to-day budgeting tool that’s tied to a traditional bank account. You can load and reload a Green Dot prepaid card using a debit card – in fact, that’s how I first got funds into my own Green Dot account.

The Kaiku® Visa® Prepaid Card is definitely an above-average reloadable prepaid debit card, and I personally think its benefits outweigh its drawbacks. But it’s still a reloadable prepaid debit card, meaning it comes with certain broad limitations and drawbacks that apply to the entire category.

For instance, balances held on prepaid cards don’t earn interest, so it’s not advisable to use your card for long-term savings or retirement planning. And using a prepaid card doesn’t help you build credit, no matter how responsible you are with it.

Then again, there’s no law against having a traditional bank account or credit card on top of your prepaid debit card. As long as you’re okay with their inherent limitations, why not try one out for yourself – even if it doesn’t end up being a Kaiku card?