FAQ

Top Questions

There are no fees associated with using GiftCards.com Visa and Mastercard Gift or Reward Cards to make a purchase; however, gift cards that are inactive for more than 12 consecutive months will be charged a $4.95 per month service fee.

Please refer to the Terms and Conditions listed on the back of your card.

GiftCards.com Visa and Mastercard Gift or Reward Cards can only be used to make purchases. There is no cash access to the funds on the cards via an ATM or bank transaction.

Funds on GiftCards.com Visa and Mastercard Gift Cards do not expire. The expiration date listed on the front of the card (along with the CVN on the back of the card) is there to allow these cards to be processed by merchants as debit or credit cards. If funds remain on the card after the “Good Thru” date listed on the front of the card, call Customer Service to obtain a no-fee replacement card. However, gift cards that are inactive for more than 12 consecutive months will be charged a $4.95 per month service fee.

If you were given a GiftCards.com Visa card, it is easy to identify the type of your card. On the front in the top right corner, your card will say “gift” or “reward”. If your card says “reward”, you have received a GiftCards.com for Business Reward card. Please review the applicable FAQs below.

There are no activation fees for purchasing eGift or merchant physical cards. You will, however, pay a purchase fee to buy a GiftCards.com Visa or Mastercard Virtual Account or GiftCards.com for Business Reward Card. Review the purchasing fee schedule for more information.

Orders placed weekdays between 8AM and 5PM EST are typically processed within 24 hours of receiving payment. Orders placed over the weekend may take 48 to 72 hours to process. Once processed, gift card delivery is estimated below and is subject to change.

  • USPS First Class: 5-9 Business Days
  • USPS Priority: 5-9 Business Days
  • UPS Ground: 5-8 Business Days
  • UPS Priority: 5-7 Business Days
  • UPS Express: 4-6 Business Days

Business days are defined as Monday through Friday, excluding holidays.

We cannot ship to P.O. boxes; only a physical address will be accepted. Unless a future delivery date is scheduled, on average, merchant eGift card and Virtual Account orders will be delivered within 2 hours, but may take up to 24 hours from the time of purchase.

Additionally, all orders are reviewed for potential credit card fraud. If irregularities are found with a purchase, the purchase may be delayed or you may receive an automated email to verify and confirm your order. GiftCards.com will NOT process or ship orders that require additional verification before confirmation is received by the credit card holder. Your order might also be delayed if issues are found with the custom art for personalized gift cards.

Although the front of the GiftCards.com Visa and Mastercard Gift Cards say “Debit,” cards can be processed either as debit or credit transactions. Credit transactions do not require a Personal Identification Number (PIN). If you would like to use a GiftCards.com Visa or Mastercard Gift Card as a debit transaction, visit the Change/Set PIN page.

Please note: the GiftCards.com Visa and Mastercard Gift Card or Reward Card cannot be used to receive cash from an ATM or from a cashier.

For CREDIT Transactions: If the purchase is greater than the funds available on the GiftCards.com Visa or Mastercard Gift or Reward Card, the card may be declined. To make a purchase greater than the balance of the card, split the purchase into two transactions. Tell the cashier in advance the exact amount to deduct from the card. Then pay the balance of the purchase with a second form of payment such as cash, check or credit card. Please note, not all merchants are equipped to handle “split tender” transactions.

For DEBIT Transactions: In order to use your gift or reward card as a debit transaction, you will need to enter a Personal Identification Number (PIN) at the point of sale. To set a PIN, visit the Change/Set PIN page.

Payment processing terminals at restaurants, gas stations and other service merchants vary. Additionally, online shopping carts may have certain requirements as well. Review the following suggestions to ensure your gift or reward card is accepted:

  • Restaurants and other Service Merchants – Restaurants and other service merchants such as spas or salons may automatically run an authorization transaction of 20 percent more than the total bill to ensure the gift card has enough funds to cover a gratuity. GiftCards.com recommends that you ask the cashier to either charge only the bill amount (minus the gratuity) or reduce the bill amount by 20 percent and retry the transaction. Be prepared to pay the bill difference with another form of payment.
  • Gas Stations – When a card is swiped at a gas station pump, the dollar amount of the transaction is unknown. So gas station pumps typically pre-authorize $75 or more on the card swiped. To avoid having this hold placed on your gift or reward card, pay inside. Tell the attendant to only charge the amount you specify and to run the card as a “credit” transaction. If you already swiped at the pump, it may take several business days for the hold to be released and for your funds to be available for spending.
  • Hotels – At check-in, hotels may automatically place a hold on gift or reward card funds for the estimated amount of the stay, plus up to 30 percent for incidentals. To avoid having this hold placed on your gift card, use a credit card when checking into the hotel instead. Then pay the final bill with the gift or reward card.
  • Auto Rentals – Many car rental companies require a credit card to make a reservation. To use a gift or reward card, reserve a car with a credit card but tell the attendant you will pay the final bill with a gift card.
  • Online – If you experience difficulty using your gift or reward card for online or telephone purchases, it is likely the billing address for the gift or reward card does NOT match what has been entered. To avoid this mismatch, sign up for an account at GiftCards.com, register the card and assign an address to it.

Please note: the GiftCards.com Visa and Mastercard Gift Cards cannot be used to receive cash from an ATM or from a cashier. Additionally, transactions for online gambling sites, adult websites, money transfer services such as Venmo, PayPal and recurring bill payments will be declined.

Gift card orders are canceled for the following reasons:

  • Information provided does not match the information on file at your bank.
  • Image does not meet regulatory requirements.
  • Delivery address deemed undeliverable.

ATM Usage

GiftCards.com Visa and Mastercard Gift or Reward Cards can only be used to make purchases. There is no cash access to the funds on the cards via an ATM or bank transaction.

Discount Gift Cards

GiftCards.com is happy to be working with Cardpool, experts in the secondary gift card market. Please refer to the Cardpool Frequently Asked Questions to learn more about how discount gift cards work.

Facebook Messenger (No Longer Accepting Orders)

Not currently. All merchant eGift cards sold by GiftCards.com are redeemable in the U.S. only.

The GiftCards.com Messenger chat extension is created to send merchant eGift cards directly in chat only. To send eGifts and gift cards by other means, please visit GiftCards.com/virtual-gift-cards.

Merchant gift cards do not have any fees. The expiration will vary by merchant and from state to state. Please refer to the specific terms and conditions found on each merchant’s page prior to purchasing the eGift card. If there is no expiration date listed, the card will generally be valid as long as the merchant remains solvent.

Merchant eGift cards purchased through the GiftCards.com Messenger chat extension use Facebook payments which allows for secure credit, debit and PayPal payment. Once an order has processed, refunds cannot be issued for any eGift cards.

Please refer to the specific terms and conditions found on each merchant’s product page prior to purchase.

The purchase will appear as PP*GIFTCARDS.COM LLC.

If your purchase failed, check all payment and billing details and try again. If the transaction was completed, you can find it in the transaction history under GiftCards.com on the Facebook Messenger home page and resend. If you do not see the transaction listed in the transaction history, the purchase was not completed and you were not charged.

From the home screen of Facebook Messenger, click on GiftCards.com to find the transaction history. Select the correct transaction and share it with the original recipient again. The merchant eGift cannot be sent to a new recipient. If you do not see the transaction listed, the purchase was not made and your credit card was not charged.

For all questions about your transaction, contact us or call 1 (833) 429-9483.

GiftCards.com cares about your personal information and adheres to Facebook’s privacy requirements. To see the GiftCards.com privacy policy, please visit giftcards.com/privacy-policy.

GiftCards.com, the premier gift card shopping site, has created a new Messenger chat extension that allows you to buy and send merchant eGift cards within the chat in Facebook Messenger. This is a convenient and secure way to send eGift cards to your friends. Only the intended receiver can see the eGift redemption information. Your credit card information is safely stored by Facebook.

Only the recipient can view the merchant eGift card. You will receive a confirmation of the purchase and see the delivery in the chat. Even though Facebook messenger allows sharing of a message with more than one person, the shared eGift card will be viewable only by the original, intended recipient.

Today GiftCards.com does not allow eGift cards to be sent in a group chat. Only one recipient at a time can receive and view an eGift card.

G-Money Rewards

Points are determined by the purchase value of participating merchants multiplied by their current G-Money value. For example, if an order totals $250 made up of one merchant of $200 earning 1% G-Money Reward points and one merchant of $50 earning 10% G-Money reward points, you will earn 700 points. That earns you a $7.00 discount on a future GiftCards.com purchase. Note: Shipping, personalization and greeting card costs are not eligible to earn G-Money Rewards points.

*Reward percentages are subject to change at any time and are not offered on all products. This optional offer is not a product or service of MetaBank, Mastercard, or Visa, nor is this offer endorsed by MetaBank, Mastercard, or Visa.

G-Money Rewards have no cash value and cannot be redeemed for money. G-Money can only be redeemed for future purchases on GiftCards.com.

*Reward percentages are subject to change at any time and are not offered on all products. This optional offer is not a product or service of MetaBank®, Mastercard, or Visa, nor is this offer endorsed by MetaBank, Mastercard, or Visa.

No. Only orders purchased on or after June 12, 2015 can earn G-Money Rewards. Additionally, if you are not logged in to your GiftCards.com account when you make a purchase, or have not opted in to the G-Money program, you cannot add the order to your G-Money Rewards balance after the purchase is processed.

*Reward percentages are subject to change at any time and are not offered on all products. This optional offer is not a product or service of MetaBank, Mastercard, or Visa, nor is this offer endorsed by MetaBank®, Mastercard, or Visa.

Yes. G-Money Rewards expire seven years from the date they are earned.

*Reward percentages are subject to change at any time and are not offered on all products. This optional offer is not a product or service of MetaBank, Mastercard, or Visa, nor is this offer endorsed by MetaBank®, Mastercard, or Visa.

You can check your G-Money Rewards balance by logging in to your GiftCards.com account and choosing “Manage Account” from the header. On your Dashboard, choose “Point Details” from the Reward Program section. You will find your points balance, points activity and other information regarding your account.

*Reward percentages are subject to change at any time and are not offered on all products. This optional offer is not a product or service of MetaBank, Mastercard, or Visa, nor is this offer endorsed by MetaBank®, Mastercard, or Visa.

Sign up for G-Money Rewards at www.giftcardsstage.com/rewards. Signing up is free. You can opt out anytime by logging in to your account, accessing your Dashboard, choosing “Point Details” in the Reward Program section and choosing “Opt Out”.

*Reward percentages are subject to change at any time and are not offered on all products. This optional offer is not a product or service of MetaBank, Mastercard, or Visa, nor is this offer endorsed by MetaBank®, Mastercard, or Visa.

If you have a G-Money Rewards balance and you are logged in to your account, you will be prompted on the Billing and Shipping page at checkout to apply your G-Money Rewards to your purchase.

*Reward percentages are subject to change at any time and are not offered on all products. This optional offer is not a product or service of MetaBank, Mastercard, or Visa, nor is this offer endorsed by MetaBank®, Mastercard, or Visa.

No. If you cancel a GiftCards.com order, you will not be able to keep the G-Money Rewards earned from that order. The G-Money Rewards points from the cancelled order will be deducted from your total points balance.

*Reward percentages are subject to change at any time and are not offered on all products. This optional offer is not a product or service of MetaBank, Mastercard, or Visa, nor is this offer endorsed by MetaBank®, Mastercard, or Visa.

Each G-Money point can be redeemed for $.01 off of a future purchase.

*Reward percentages are subject to change at any time and are not offered on all products. This optional offer is not a product or service of MetaBank, Mastercard, or Visa, nor is this offer endorsed by MetaBank®, Mastercard, or Visa.

G-Money Rewards* is a rewards program for GiftCards.com purchases. Select purchases earn points that can discount future GiftCards.com purchases. For more information regarding G-Money Rewards, please visit GiftCards.com/rewards.

To earn G-Money Rewards, you must first sign up for the G-Money Rewards program at GiftCards.com/rewards. Once you are signed up for the program (and are logged in to your GiftCards.com account), you will automatically earn points with each purchase.

Signing up and participating in G-Money Rewards is free to all GiftCards.com customers.

*Reward percentages are subject to change at any time and are not offered on all products. This optional offer is not a product or service of MetaBank, Mastercard, or Visa, nor is this offer endorsed by MetaBank®, Mastercard, or Visa.

Merchant eGift Cards

Once the Merchant eGift Card has been purchased, it is non-refundable. If the intended recipient does not receive the egift or accidentally deletes it, ask the recipient to check SPAM folders, deleted email folders or automatic filters. If the gift card is not found, contact Customer Service for assistance.

To learn more about GiftCards.com Visa and Mastercard egift cards, refer to “Visa/Mastercard Virtual Account” questions.

Yes. The card value denominations are preset for all of the merchant cards, and the total purchase is limited to $2,500 per checkout and $5,000 per day.

To learn more about GiftCards.com Visa or Mastercard Virtual Accounts, refer to “Visa/Mastercard Virtual Accounts” questions.

Most merchant cards do not have an expiration date or fees. However, since every merchant is different, please refer to the specific terms and conditions found on each merchant’s page prior to purchasing their card.

To learn more about GiftCards.com Visa or Mastercard Virtual Accounts, refer to “Visa/Mastercard Virtual Accounts” questions.

Your recipient will receive an email message that contains a link to a GiftCards.com page, where they can view the message and/or video you selected. Then, they will be shown a link that will take them to the personalized eGift Card, where it can either be printed or entered into a mobile wallet application for presentation at a merchant location. In some cases, the merchant may specify that an egift card must be used online. Please refer to redemption instructions on each merchant’s page for specific instructions.

You will also receive a confirmation email. If the recipient does not receive the Merchant eGift Card, instruct the recipient to check their e-mail as well as any SPAM folders or automatic filters. If the gift card does not arrive within the expected timeframe, contact Customer Service for assistance. You will need the invoice number and the recipient’s e-mail address available for customer service.

To learn more about GiftCards.com Visa or Mastercard Virtual Accounts, refer to “Visa/Mastercard Virtual Accounts” questions.

It can take up to 24 business hours from the time of purchase to review and send the order unless you specify a future delivery date.

To learn more about GiftCards.com Visa or Mastercard Virtual Accounts, refer to “Visa/Mastercard Virtual Accounts” questions.

Most Merchant eGift Cards can be used at the merchant’s retail locations and online at the merchant’s website. However, since every merchant is different, please refer to their specific terms and conditions found on each merchant’s page prior to purchasing their card.

To learn more about GiftCards.com Visa or Mastercard Virtual Accounts, refer to “Visa/Mastercard Virtual Accounts” questions.

Ordering

Gift card orders are cancelled for the following reasons:

  • Information provided does not match the information on file at your bank.
  • Image does not meet regulatory requirements.
  • Delivery address deemed undeliverable.

GiftCards.com Visa and Mastercard Gift cards can be purchased in any amount from $10 to $500. Any increment between those limits is considered a valid gift card amount. Merchant Gift Cards can be purchased in amounts ranging from $10 to $500, depending on the merchant. Some merchant gift cards only allow for set denominations such as $25, $50 and $100.

Orders can only be cancelled before the card is printed and shipped. Cards are typically printed and shipped within one business day of the order being placed. Once the card has been printed or shipped, the order cannot be canceled.

Once an order is submitted, it cannot be modified.

If you send a GiftCards.com Visa or Mastercard gift card, the recipient accepts the Terms and Conditions of GiftCards.com Visa Gift Cards and Mastercard Gift Cards when they activate the card online or use the card to make a purchase.

In addition, the gift card recipient can view the Cardholder Agreement at www.giftcards.com/terms. This Cardholder Agreement fully explains the rules regarding the use of the card as well as the fees associated with the gift card.

Purchasers accept the Terms and Conditions of GiftCards.com Visa Gift Cards and Mastercard Gift Cards when buying a gift card from GiftCards.com.

GiftCards.com accepts Visa, Mastercard, Discover® and American Express® credit and debit cards registered to United States addresses. Orders using credit or debit cards registered to international addresses will not be accepted.

If you’re having trouble completing an order, check the following:

  • For Visa and Mastercard, ensure the 3-digit Security Code (CVN) on the back of the card is entered correctly. For American Express, ensure the 4-digit Security Code (CVN) on the front of the card is entered correctly.
  • Ensure the expiration date is entered correctly.
  • Ensure the address entered on the gift card form matches the billing address on your credit or debit card.
  • Ensure all billing information is entered correctly by calling the issuer of your credit or debit card to confirm.

United States residents ages 18 and older can order up to 50 gift cards on GiftCards.com. Businesses can order up to 1,000 reward cards (maximum of $10,000 value per day) in one order at https://www.giftcards.com/business. International orders will not be accepted.

An AVS Mismatch error means the billing address entered does not match the billing address on file with the issuer of your credit or debit card. Common errors include using abbreviations (e.g. “St.”) instead of spelled out words (e.g. “Street”).

Vermont does not allow the sale of cards with an inactivity or dormancy fee. All GiftCards.com Visa and Mastercard gift cards will be charged a $4.95 per month service fee for cards that are inactive for more than 12 consecutive months. If you have received a card and cannot register it because you have a Vermont address, please contact Customer Service for a refund. For more information visit State Gift Card Consumer Protection Laws.

Personalized or Customized Visa or Mastercard Gift Cards

If you were given a GiftCards.com Visa card, it is easy to identify the type of your card. On the front in the top right corner, your card will say “gift” or “reward”. If your card says “reward”, you have received a GiftCards.com for Business Reward card. Please review the applicable FAQs below.

All images are subject to review and must meet regulatory requirements. For best results, uploaded images must be at least 640 × 480 pixels and must be in one of the following formats: .jpg, .gif or .png. Images that contain the following will not be accepted:

  • Company names, trademarks, logos, slogans, works of art, copyrighted materials or brands of any third party and their likeness.
  • Celebrities, professional athletes, actors, cartoons or computer game figures that are the sole focus of the image.
  • Advertising or promotional materials or branded products.
  • Phone numbers, addresses, URL addresses, account or PIN numbers.
  • Violence, blood, dead animals, indecency, nudity or semi-nudity.
  • Culturally or socially insensitive text or images or those that show alcohol, tobacco, gambling, firearms, online or role-playing games or adult entertainment.
  • Text or images that display the views, opinions or beliefs of political groups or religions.
  • Libelous or derogatory or defamatory content.
  • Discriminative or provocative content.
  • Numbers, text or images that might induce misunderstanding.
  • Images that display anti-government behavior or sentiment or content that is in violation of any rules, regulations or laws.
  • Text or images that might result in card acceptance confusion by merchants.
  • Other text or images that are deemed not suitable for any reason for use as a gift card face by GiftCards.com or its partners.

Personalized or Customized Visa or Mastercard gift cards can be purchased in any amount from $10 to $500. Any increment between those limits is considered a valid gift card amount.

Although you do not have to enter a name in the embossed text fields, words (e.g. Happy Birthday, Best Friend, etc.) must be entered.

Personalized gift cards are prepaid cards that can be customized with photos, images and embossed messages. Bearing the Visa or Mastercard logo, these cards can be used in the U.S. and District of Columbia everywhere Visa Debit cards and Debit Mastercard is accepted. Cards may not be used at any merchant, including Internet and mail or telephone order merchants, outside of the U.S. and the District of Columbia.

Unlike a merchant gift card that comes in a standard design and can only be used where it was purchased, Personalized Gift Cards are a unique gift of choice that can be redeemed online, in restaurants, at small boutiques and virtually anywhere the recipient would like to shop.

Personalized Gift Cards can be redeemed wherever Visa Debit cards or Debit Mastercard are accepted in the US, except at online gambling sites, adult websites, or money transfer services such as Venmo and PayPal. Personalized Gift Cards cannot be used for recurring payment transactions.

Pricing Per Gift Card

There are no activation fees for purchased merchant eGift or physical gift cards. You will, however, pay a purchase fee to buy a GiftCards.com Visa or Mastercard Gift Card Virtual Account or GiftCards.com for Business Reward Card. Review the purchasing fee schedule for more information.

Shipping/Delivery

Orders placed weekdays between 8AM and 5PM EST are typically processed within 24 hours of receiving payment. Orders placed over the weekend may take 48 to 72 hours to process. Once processed, gift card delivery is estimated below and is subject to change.

  • USPS First Class: 5-9 Business Days
  • USPS Priority: 5-9 Business Days
  • UPS Ground: 5-8 Business Days
  • UPS Priority: 5-7 Business Days
  • UPS Express: 4-6 Business Days

Business days are defined as Monday through Friday, excluding holidays.

We cannot ship to P.O. boxes; only a physical address will be accepted. Unless a future delivery date is scheduled, on average, merchant eGift card and Virtual Account orders will be delivered within 2 hours, but may take up to 24 hours from the time of purchase.

Additionally, all orders are reviewed for potential credit card fraud. If irregularities are found with a purchase, the purchase may be delayed or you may receive an automated email to verify and confirm your order. GiftCards.com will NOT process or ship orders that require additional verification before confirmation is received by the credit card holder. Your order might also be delayed if issues are found with the custom art for personalized gift cards.

International orders will not be accepted. GiftCards.com will accept orders from an APO (U.S. military delivery address) address, but can only ship gift cards to residents of the United States.

Once an order is placed, the purchaser has agreed to the Terms and Conditions which clearly state that shipping or handling will not be refunded.

If the gift card does not arrive within the expected timeframe (depending on the shipping method selected), contact Customer Service for assistance. You will need the invoice number and the recipient’s e-mail address available for customer service.

GiftCards.com for Business Reward Cards

GiftCards.com Visa and Mastercard gift or reward cards can only be used to make purchases. There is no cash access to the funds on the cards via an ATM or bank transaction.

Funds on GiftCards.com Visa and Mastercard Gift Cards do not expire. The expiration date listed on the front of the card (along with the CVN on the back of the card) is there to allow these cards to be processed by merchants as debit or credit cards. If funds remain on the card after the “Good Thru” date listed on the front of the card, call Customer Service to obtain a no-fee replacement card. However, gift cards that are inactive for more than 12 consecutive months will be charged a $4.95 per month service fee.

If you were given a GiftCards.com Visa card, it is easy to identify the type of your card. On the front in the top right corner, your card will say “gift” or “reward”. If your card says “reward”, you have received a GiftCards.com for Business Reward card. Please review the applicable FAQs below.

Although the front of the GiftCards.com Visa and Mastercard Gift Cards say “Debit,” cards can be processed either as debit or credit transactions. Credit transactions do not require a Personal Identification Number (PIN). If you would like to use a GiftCards.com Visa or Mastercard Gift Card as a debit transaction, visit the Change/Set PIN page.

Please note: the GiftCards.com Visa and Mastercard Gift Card or Reward Card cannot be used to receive cash from an ATM or from a cashier.

All images are subject to review and must meet regulatory requirements by the GiftCards.com compliance team, issuing banks and Visa or Mastercard. For best results, uploaded images must be at least 640 × 480 pixels and must be in one of the following formats: .jpg, .gif or .png.

Content that will NOT be approved:

  • Company names, trademarks, logos, slogans, works of art, copyrighted materials or brands of any third party and their likeness.
  • Celebrities, professional athletes, actors, cartoons or computer game figures that are the sole focus of the image.
  • Advertising or promotional materials or branded products.
  • Phone numbers, addresses, URL addresses, account or PIN numbers.
  • Violence, blood, dead animals, indecency, nudity or semi-nudity.
  • Culturally or socially insensitive text or images or those that show alcohol, tobacco, gambling, firearms, online or role-playing games or adult entertainment.
  • Text or images that display the views, opinions or beliefs of political groups or religions.
  • Libelous or derogatory or defamatory content.
  • Discriminative or provocative content.
  • Numbers, text or images that might induce misunderstanding.
  • Images that display anti-government behavior or sentiment or content that is in violation of any rules, regulations or laws.
  • Text or images that might result in card acceptance confusion by merchants.
  • Other text or images that are deemed not suitable for any reason for use as a gift card face by GiftCards.com or its partners.

There are no inactivity fees associated with a GiftCards.com for Business Reward Card. However, all GiftCards.com Business Reward cards, and any remaining balance, expire 12 months after purchase, as communicated by the “Good Thru” date on the front of the card.

Yes. GiftCards.com for Business Reward Cards can be used internationally. However, all international purchases are subject to a 3% transactional fee.

Yes. Giftcards.com for Business Reward Cards and funds have a 12-month expiration. This is communicated on the “Good Thru” date on the front of the card.

No. GiftCards.com for Business Reward Cards do not have ATM or cash access.

Simply look for the word “reward” in the top right-hand corner of your card. If you see “gift”, please review the GiftCards.com gift card FAQs.

Yes. Your small business may purchase $10,000 daily (up to 1,000 cards) from GiftCards.com. For any purchases exceeding these limits, you will be alerted at checkout and referred to the corporate sales division at OmniCard.com.

Yes. All businesses are subject to a review process completed by the GiftCards.com Compliance team. Small businesses must pass all portions of the review for the order to be shipped.

GiftCards.com for Business Reward Cards are issued by MetaBank®.

The Giftcards.com for Business reward card is a Visa Debit reward card for businesses to purchase and give as a reward or incentive to their employees or customers. GiftCards.com for Business Reward Cards can be customized with company logos, branding and messages. Bearing the Visa logo, these cards can be used everywhere Visa Debit cards are accepted.

GiftCards.com for Business Reward Cards can be loaded with funds ranging from $10 to $500.

Using GiftCards.com Visa or Mastercard Gift Cards

There are no fees associated with using GiftCards.com Visa and Mastercard Gift or Reward Cards to make a purchase; however, gift cards that are inactive for more than 12 consecutive months will be charged a $4.95 per month service fee.

Please refer to the Terms and Conditions listed on the back of your card.

GiftCards.com Visa and Mastercard gift or reward cards can only be used to make purchases. There is no cash access to the funds on the cards via an ATM or bank transaction.

Funds on GiftCards.com Visa and Mastercard Gift Cards do not expire. The expiration date listed on the front of the card (along with the CVN on the back of the card) is there to allow these cards to be processed by merchants as debit or credit cards. If funds remain on the card after the “Good Thru” date listed on the front of the card, call Customer Service to obtain a no-fee replacement card. However, gift cards that are inactive for more than 12 consecutive months will be charged a $4.95 per month service fee.

Although the front of the GiftCards.com Visa and Mastercard Gift Cards say “Debit,” cards can be processed either as debit or credit transactions. Credit transactions do not require a Personal Identification Number (PIN). If you would like to use a GiftCards.com Visa or Mastercard Gift Card as a debit transaction, visit the Change/Set PIN page.

Please note: the GiftCards.com Visa and Mastercard Gift Card or Reward Card cannot be used to receive cash from an ATM or from a cashier.

For CREDIT Transactions: If the purchase is greater than the funds available on the GiftCards.com Visa or Mastercard Gift or Reward Card, the card may be declined. To make a purchase greater than the balance of the card, split the purchase into two transactions. Tell the cashier in advance the exact amount to deduct from the card. Then pay the balance of the purchase with a second form of payment such as cash, check or credit card. Please note, not all merchants are equipped to handle “split tender” transactions.

For DEBIT Transactions: In order to use your gift or reward card as a debit transaction, you will need to enter a Personal Identification Number (PIN) at the point of sale. To set a PIN, visit the Change/Set PIN page.

Payment processing terminals at restaurants, gas stations and other service merchants vary. Additionally, online shopping carts may have certain requirements as well. Review the following suggestions to ensure your gift or reward card is accepted:

  • Restaurants and other Service Merchants – Restaurants and other service merchants such as spas or salons may automatically run an authorization transaction of 20 percent more than the total bill to ensure the gift card has enough funds to cover a gratuity. GiftCards.com recommends that you ask the cashier to either charge only the bill amount (minus the gratuity) or reduce the bill amount by 20 percent and retry the transaction. Be prepared to pay the bill difference with another form of payment.
  • Gas Stations – When a card is swiped at a gas station pump, the dollar amount of the transaction is unknown. So gas station pumps typically pre-authorize $75 or more on the card swiped. To avoid having this hold placed on your gift or reward card, pay inside. Tell the attendant to only charge the amount you specify and to run the card as a “credit” transaction. If you already swiped at the pump, it may take several business days for the hold to be released and for your funds to be available for spending.
  • Hotels – At check-in, hotels may automatically place a hold on gift or reward card funds for the estimated amount of the stay, plus up to 30 percent for incidentals. To avoid having this hold placed on your gift card, use a credit card when checking into the hotel instead. Then pay the final bill with the gift or reward card.
  • Auto Rentals – Many car rental companies require a credit card to make a reservation. To use a gift or reward card, reserve a car with a credit card but tell the attendant you will pay the final bill with a gift card.
  • Online – If you experience difficulty using your gift or reward card for online or telephone purchases, the most likely reason your purchase was declined is that the merchant’s fraud screening process is matching the billing information entered at checkout with the billing information on your gift or reward card. To avoid this mismatch, sign up for an account at GiftCards.com, register the card and assign a name and address to it.

Please note: The GiftCards.com Visa and Mastercard Gift Cards cannot be used to receive cash from an ATM or from a cashier. Additionally, transactions for online gambling sites, adult websites, money transfer services such as Venmo, PayPal and recurring bill payments will be declined.

Vermont does not allow the sale of cards with an inactivity or dormancy fee. All GiftCards.com Visa and Mastercard gift cards will be charged a $4.95 per month service fee for cards that are inactive for more than 12 consecutive months. If you have received a card and cannot register it because you have a Vermont address, please contact Customer Service for a refund. For more information visit State Gift Card Consumer Protection Laws.

To make an in-store purchase for more than the amount remaining on your gift card or reward card, you will need to know the remaining balance on your card and pay the difference first with cash, check, credit or debit card. Then use your gift card to pay the remaining balance or the last portion of the purchase. Please note, not all merchants can accept multiple forms of payment for your purchases.

For example: You have a $25.00 gift card and are making a purchase for $35.00. Pay the $10.00 by cash, check, credit or debit card and then have the cashier run your gift card for the remaining $25.00 balance.

Select “Balance” at the top of GiftCards.com to check the balance of your gift card. You will need to enter the 16-digit number on the front of the card and the 3-digit security code (CVN) found on the back of the card.

As of April 1, 2012, Federal regulations prohibit GiftCards.com gift cards from being used outside of the continental United States.

Please note: Transactions for online gambling sites, adult websites, money transfer services such as Venmo, PayPal and recurring bill payments will be declined.

GiftCards.com gift cards and reward cards cannot be used in conjunction with a PayPal account or for any recurring bill payments.

Store return policies may vary. You may receive a credit to your gift card, a cash refund or even a store credit, depending on the particular store. A credit to your account may take up to one week to process before it’s available for use. Please note that GiftCards.com gift cards and reward cards are not reloadable.

If your GiftCards.com Visa or Mastercard gift card is lost or stolen, contact Customer Service immediately. Provide as much detailed information as possible. Typically, lost or stolen cards will be suspended and a replacement card will be issued for a $5.00 fee, which will be deducted from the gift card value.

GiftCards.com Visa gift cards can be redeemed everywhere Visa Debit cards are accepted in the U.S., except at online gambling sites, adult websites, money transfer services and PayPal. Visa gift cards cannot be used for recurring payment transactions.

GiftCards.com Mastercard gift cards can be redeemed everywhere Debit Mastercard gift cards are accepted in the U.S., except at online gambling sites, adult websites, money transfer services and PayPal. Mastercard gift cards cannot be used for recurring payment transactions.

Virtual Accounts can only be used for online and telephone purchases.

Visa Five Back Program

It’s easy! To see if your Visa gift card or reward card qualifies for Five Back benefits, simply check your balance. If you have a Visa Five Back qualified card, you will see a message reminding you to earn up to 5% on purchases made at participating merchants.

When the value on your GiftCards.com Visa gift card or reward card with Five Back Program reaches $.10 or less you will no longer earn funds. Outside of the 5% Back award, no, the Card is disposable and cannot be reloaded. When all value is used, the card should be destroyed. Do not give your card to a merchant to destroy.

For a current list of participating retailers and what percentage of your purchase you can earn back at each, visit www.giftcardsstage.com/gift-cards-cash-back.

Your card can be used to purchase merchandise and services anywhere Visa debit cards are accepted in the United States. GiftCards.com Visa Gift Cards and reward cards can only be used to make purchases. There is no cash access to the funds on the cards via an ATM or bank transaction. The amount of every purchase will automatically be deducted from the value on the Card. Use your card at preferred Five Back Program partners to earn up to 5% of the purchase price back to the card.

It takes up to 72 hours after the transaction has posted for the percentage earned at a preferred partner to be added back to the balance.

Use the GiftCards.com Visa Gift Card or Reward Card anywhere Visa debit cards are accepted in the United States and earn up to 5% of your purchase price added back to your card when you shop at participating merchants. The 5% Back bonus offer is provided by the Award Sponsor and is not provided or endorsed by MetaBank or Visa.

When the value on your GiftCards.com Visa gift card or reward card with Five Back Program reaches $0.10 or less you will no longer earn funds, as the reward would be less than one cent.

Visa/Mastercard Virtual Accounts

Visa/Mastercard Virtual Accounts may not be used for foreign purchases.

Funds cannot be transferred from GiftCards.com Visa or Mastercard Virtual Accounts to physical gift cards.

Any purchase for an amount greater than the available balance on a GiftCards.com Visa/Mastercard Virtual Account should be declined. However, if a merchant submits a compromised authorization, it’s possible for the combination of pending approvals to result in a negative balance.

To learn more about non-Visa/non-Mastercard Virtual Accounts, refer to “Merchant eGift Card” questions.

All GiftCards.com Visa/Mastercard Virtual Accounts have a seven-year expiration date from the time of purchase. There are no fees associated with using GiftCards.com Gift Cards to make a purchase; however, Virtual Accounts that are inactive for more than 12 consecutive months will be charged a $4.95 per month inactivity fee.

Please refer to the Terms and Conditions delivered with your Virtual Account.

To learn more about non-Visa/non-Mastercard Virtual Accounts, refer to “Merchant eGift Card” questions.

GiftCards.com Visa/Mastercard Virtual Accounts are delivered via e-mail. The greeting includes instructions on how to activate and check the balance of the gift card on GiftCards.com. The Virtual Account can be used for online and telephone purchases anywhere that Visa/Mastercard debit cards are accepted in the US.

It can take up to 24 hours from the time of purchase for the email to be delivered unless you specify a future delivery date.

To learn more about non-Visa/non-Mastercard Virtual Accounts, refer to “Merchant eGift Card” questions.

Select “Balance” from the GiftCards.com top menu. You will need to enter the 16-digit Virtual Account number.

GiftCards.com Visa/Mastercard Virtual Accounts are delivered via e-mail with “confirmation link.” Clicking the confirmation link in the email will send the recipient to an activation screen. Alternatively, you can go directly to the “Activate” page and enter the Gift Activation Code found in the e-mail received.

Virtual Accounts can be used to make purchases on the Internet and by telephone from any merchant that accepts Visa/Mastercard debit cards.

GiftCards.com Visa Virtual Accounts can be purchased in any amount from $10 to $500, and Mastercard Virtual Accounts can be purchased in any amount from $10 to $250.

To learn more about non-Visa/non-Mastercard Virtual Accounts, refer to “Merchant eGift Card” questions.

Since a physical gift card is not mailed, the recipient will receive notification of the Virtual Account via e-mail. Instruct the recipient to check e-mail as well as any SPAM folders or automatic filters.

If the Virtual Account does not arrive within the expected timeframe, contact Customer Service for assistance. Have the invoice number and the recipient’s e-mail address available prior to making the call.

To learn more about non-Visa/non-Mastercard Virtual Accounts, refer to “Merchant eGift Card” questions.