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Image Of The American Express Secure Pay Card

Secure Pay FAQs

You may find answers to questions you have about your Secure Pay Card below. If not, please call us anytime. We're always here to help.

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If you have questions about your Secure Pay Card or need to report your Card lost or stolen, please contact a Customer Care Representative 24/7 at

No. The Card is not a debit, charge, or credit card. The Card is a prepaid payment device with a dollar value that is a ”variable load“ amount that is selected at the time of purchase. The Card is not transferable.

In most cases, as soon as you sign the back of the Card, it is ready for use. However, in some cases, it may be inactive for up to four hours after purchase.

This Card has NO FEES AFTER PURCHASE (including dormancy, service or other fees).

No, the funds on the Card do not expire.

The ”valid thru“ date on the front of the Card is the date through which your physical plastic card may be used. This date is required to process transactions at merchants that request a plastic expiration date. Even if the ”valid thru“ date has passed on the Card, its Available Balance remains unchanged and intact. In order to keep making purchases with your Available Balance after a Card's ”valid thru“ date has passed, please call 1-800-297-7327 for a free replacement Card.

Yes. You should write down the Card number, along with the Customer Service Number (1-800-297-7327) and 4 digit card security code on the front of the Card (referred to also as the ”Card Identification Number“ or ”CID“) and keep these in a safe place! You will need the Card number and CID to check your balance or replace the Card if it is lost or stolen.

We strongly suggest that you keep the receipt from the purchase of the Card, as we may require it for a refund, exchange or replacement.

The Card may be used at merchants and retailers in the United States, Puerto Rico, and US Virgin Islands that accept the American Express Card (”Merchants“). The Card cannot be used for ATM cash withdrawals or for recurring billing charges (such as monthly utilities or subscriptions). You may use the Card to make final payments, but may not be able to use the Card to make reservations or deposits (e.g., car rental or hotel reservations). Except where required by law, the Card is not redeemable for cash. The Card may not be used for unlawful purposes.

The value on the Card at any time is its ”Available Balance.“ You may check your Available Balance at or by calling Customer Service at 1-800-297-7327.

There are two ways that your Available Balance may be decreased. First, if you make a purchase with the Card, we will deduct the full amount of that purchase, including taxes and any other fees, from the Available Balance. Second, if you use the Card and the Merchant authorizes for an amount greater than the actual purchase, the Available Balance will be temporarily decreased by the amount of the authorization, typically until the eighth (8th) day after the purchase. Only the final amount of the purchase will ultimately be deducted from the Available Balance. Once the Available Balance reaches zero ($0), the Card is no longer valid and you agree that you will no longer use it. However, if a transaction occurs despite an insufficient Available Balance on the Card, you agree to reimburse us, upon request, for the amount of the negative balance created on the Card.

Present the Card to the cashier for payment and tell him/her it is a gift card. Sign the receipt with the same signature you used to sign the back of the Card. Retain the receipt as a record of the purchase.

Depending on the Merchant's policy, you may be able to use the Card with another form of payment, such as cash, check or another card, to make a purchase. This is known as a ”Split Tender Transaction.“ To make a purchase for more than the Available Balance on the Card:

  1. Present the Card for payment and tell the cashier it is a gift card.
  2. Tell the cashier the Available Balance and ask whether another form of payment will be accepted for the balance of the purchase.
  3. Before the Card is ”swiped,“ tell the cashier to only authorize the Card for the Available Balance.
  4. If the Card is declined, remind the cashier of the Available Balance.
  5. Be prepared to provide a second form of payment to cover the balance of your purchase.

Some Merchants may only allow you to use cash or check, but not another card, as the second form of payment. Some Merchants do not permit a second form of payment at all. We do not guarantee that a Merchant will permit a Split Tender Transaction. If you are having difficulty making a Split Tender Transaction or using the Available Balance on the Card please call 1-800-297-7327 for assistance.

Yes, you can also use the Card to make a purchase over the internet or by mail-order. However, some internet and mail-order Merchants do not permit Split Tender Transactions. If you experience any difficulty making a purchase online or by mail-order with the Card, please call 1-800-297-7327 for assistance.

Restaurants, hair salons and some other types of Merchants may obtain an authorization on the Card for an amount up to 20% more than the total service bill to cover any gratuity that may be added. Be sure that the balance on the Card is sufficient to cover the cost of the bill plus any anticipated gratuity. If the Card is declined, ask the Merchant to obtain an authorization for an amount equal to or less than the Available Balance.

Gas stations will routinely obtain an authorization on the Card for an estimated purchase amount to ensure that the Available Balance will cover the final purchase. To avoid having a gas station obtain an authorization for an amount higher than the Available Balance, we suggest that you prepay inside at the cashier for an amount equal to, or less than, the Available Balance on the Card.

If the Card or Card number is lost or stolen, contact us immediately at 1-800-297-7327. You must provide your name, address, Card number, CID, and other details for identification purposes. You agree to give us all reasonable information to help make a complete investigation of the loss or theft of the Card. If the Card or Card number is reported by you as lost or stolen, we will issue you a replacement Card with a value equal to the Available Balance on the Card at the time you notified us of the loss or theft. NO REFUNDS WILL BE PROVIDED FOR AMOUNTS DEBITED FROM YOUR LOST OR STOLEN CARD BEFORE YOU NOTIFY US.

Merchandise purchased with the Card is subject to the Merchant's return policies. If the Merchant agrees to issue a credit to the Card this amount may not be reflected in the Available Balance until the credit posts, which may take up to seven (7) days.

No. Purchases made with the Card are similar to those made with cash, in that you cannot ”stop payment“ or lodge a ”billing dispute“ on purchases made with the Card. Any problems or disputes you have regarding a purchase should be addressed directly with the Merchant.

Your Secure Pay Card is ready for use after you purchase it. A small number of online or telephone transactions may require the Card to be registered with your name and address for verification purposes before it will be accepted for payment. You may register your Card by calling a Customer Service representative at 1-800-297-7327, 24 hours a day, 7 days a week.

No Warranties: We are not responsible or liable to you (i) for any interruption of Card service, (ii) for the quality, safety, legality, or any other aspect of any goods or services purchased from any Merchant with the Card, (iii) if any Merchant refuses to honor the Card or special offers and/or (iv) for any other problems you may have with any Merchant. If a Merchant fails to honor the Card, please call 1-800-297-7327 to report the incident. Changing these Terms and Conditions: We may change the terms of, or add new terms to, these Terms and Conditions at any time, with or without notice, subject to applicable law. In addition, we may suspend, cancel, add, modify or delete any feature offered in connection with the Card, with or without notice, subject to applicable law. Any notice given by us shall be deemed given when deposited in the United States mail, postage prepaid, addressed to you at the latest address shown on our records or when such notice is posted on our website. The most up-to-date Terms and Conditions may always be found at