This browser is not supported. To ensure the best possible user experience, please use one of the following browsers:
Chrome | Firefox | Internet Explorer | Safari | Opera

Our frequently asked questions service offers answers to common questions. If you don't find an answer, please contact our customer support and a representative will be able to assist you.

Overview

How do I sign up or activate my account?

Your organization will create a Posh Pay account on your behalf. Once created, an email will be sent to you with a link you can use to begin the activation process.

If you have been notified by Perfectly Posh that your first payment has been sent but have not received an activation email, click here.

If your email is not currently registered, please contact Perfectly Posh to create your account.

How do I change my profile information?
  1. Log in to your Pay Portal.
  2. Click Settings > Profile
  3. Make the changes.
  4. Click Save

If you are unable to update your information, please contact Perfectly Posh directly.

How do I sign up for a Pay Portal account?

Once created, you will receive an activation email containing your account number and a link you may click on to begin the activation process.

What are the supported desktop browsers?
  • Google Chrome : Version 46 and up
  • Safari : Version 8 and up
  • Firefox : Version 42 and up
  • Internet Explorer : Version 11 and up
  • Opera : Version 10 and up

Withdrawing Funds

How do I transfer funds from my Pay Portal to my bank account?

If your organization allows it, you can transfer your Pay Portal balance to any bank account in your country.

To register a new bank account:

  1. Log in to your Pay Portal.
  2. Click Transfer > Add New Transfer Method
  3. Select the country and currency of the bank account that the funds will be transferred to.
  4. Click Bank Account > Continue
  5. Enter your account details including a nickname for the transfer method in the “Remember As” field (for example, “My Savings”). Click Continue
  6. Carefully verify that your bank information is correct, as incorrect information may cause significant delays to your transfer.
  7. Click Confirm

To transfer funds to a bank account that has already been registered on your Pay Portal:

  1. Click Transfer > Action > Transfer to Bank Account
  2. Select an option on the “From” dropdown panel.
  3. Enter the amount you would like to transfer and add a personal note (optional). Click Continue
  4. Review your transfer details.
  5. Click Confirm

Please allow 1 - 3 business days for the funds to be credited to a bank account in North America or Europe and up to 5 business days for other destinations.

Account Management

How can I confirm that my banking information is correct?

The best way to confirm that you have entered your banking information correctly is to refer to the numbers on the bottom of your check.

In Canada and the United States, your account information would be displayed as shown on the sample checks below:

Canadian Accounts:

American Accounts:

For all other regions, please refer either to your bank statement or contact your financial institution to confirm your banking information.

 

How do I change my account password?
  1. Log in to your Pay Portal.
  2. Click Settings > Security
  3. Enter your existing password.
  4. Enter and confirm a new unique password.
  5. Click Update Password

Note: Passwords must contain 6-15 characters and cannot be reused.

How do I update my bank account information?
  1. Log in to your Pay Portal.
  2. Click Transfer
  3. On the Transfer Center, click Action > Update
  4. Update your account information.
  5. Click Continue
  6. Review your profile information and make updates if required.
  7. Click Confirm

Taxpayer Verification (United States)

Why did my Substitute Form W-9 fail verification?
  • First and/or Last Names registered on your Pay Portal do not match IRS records.
  • Middle Name or initial is on file with the IRS but not included on your Pay Portal profile. If you have a middle name or initial, please add it in the “First Name” field and separate it by a space.
  • Social Security Number (SSN) on your Pay Portal profile is incorrect or contains spaces or dashes. The format should be 9 digits.
  • Business Name and/or Employer Identification Number (EIN) may not yet be available across all IRS systems if your EIN was issued less than 4 weeks ago.
  • Internal Revenue Service (IRS) servers are experiencing high volume or downtime.
  • There have been multiple unsuccessful attempts to verify.
How do I update the name or Social Security Number displayed on my Substitute Form W-9?
  1. Log in to your Pay Portal.
  2. Click Settings > Profile
  3. Make the required changes. Click Save.
  4. Click Home to resubmit your Substitute Form W-9 using the updated information.

To update any information which cannot be edited on the Profile page, contact Perfectly Posh directly.

Updates made by Perfectly Posh to your profile information may take several days to reflect on your Pay Portal. Once the changes have been applied, the Substitute Form W-9 will be made available again for submission on the Home page.

Am I eligible to receive a Form 1099?

If your total payments from Posh Pay meet or exceed the IRS threshold of $600 USD over the course of the tax year, you are eligible to receive a Form 1099.

If you are unsure about whether or not you meet this requirement, you can view a list of your total payments for a given period by logging in to your Pay Portal and following these steps:

  1. Click History
  2. Adjust the “To” and “From” dates. Maximum search history is 365 days.
  3. Select Load funds as the Transaction Type.
  4. Click Search
  5. If necessary, to view more payment information on a single page, increase the number of rows displayed on the search results.
  6. Calculate your total earnings by adding up the values in the “Credit” column.

In addition to meeting the $600 USD IRS threshold, a Substitute Form W-9 must be submitted and in good standing prior to January 2nd of the year a Form 1099 is issued.

If you meet the IRS threshold of $600 USD but your Substitute Form W-9 was submitted after this deadline, contact Perfectly Posh directly for assistance obtaining your Form 1099.

How do I view my Form 1099?
  1. Log in to your Pay Portal
  2. Click Resources > Tax Documents
  3. Locate your Form 1099 under “Available Year End Tax Forms”.
  4. Click Action > Download

NOTE: During tax season, you may experience longer than usual wait times for your tax documents to be displayed. If the tax document you are looking for does not display immediately, wait a few extra minutes or try using a different web browser if the issue persists.

Tracking Your Payment/Transfers

What do the payment status descriptions refer to?

Payments and transfers go through various stages while being processed. Updates are noted on your Pay Portal to keep you apprised of your funds and when you can expect them.

What is a Receipt ID?
The Receipt ID is a record of the transaction which can be referenced when contacting customer support.
Where can I find my destination bank account or debit card number?
  1. Log in to your Pay Portal.
  2. Click History
  3. Click on the transaction description to view the details.

Note: For security reasons, only the last four digits of your account information will be displayed.

Why does my account need review?
As part of our compliance program, we may require that you provide some additional information in order for you to continue to receive funds. For security reasons, we will not ask you to provide or verify personal information via email. Please visit your Pay Portal to update your information and follow steps to review your personal information.
My payment has not arrived in my destination account and it is past the estimated delivery date.
While we aim to process all funds in a timely manner, processing times vary by financial institution. Once the funds have left our system the processing times for the receiving bank and any intermediary financial institutions involved can vary between institutions as well as country.
Why am I getting multiple emails?
If you have initiated multiple transfers from your Pay Portal, you will receive separate cash out notifications for each transfer.
How do I update my bank account for payment destination?

Once the destination has been set for a payment or a cash out that is currently being processed, it cannot be changed. However, you can update the payout destination account for future payments. To update your payout method information:

  1. Log into your Pay Portal.
  2. Click on Transfer from the menu.
  3. Under Action, click on Update for the selected payout method.
  4. Update the information.
  5. Click on Confirm.
My payment amount is different than I anticipated. Why?
When a payment is initiated, the amount transferred from your Pay Portal will be deducted, along with a transfer fee (if applicable). In the case of wire transfers, the recipient bank may impose processing fees which will be deducted from your balance.

Customer Support

How do I contact Customer Support?

Please refer to the Telephone and Email tabs at the top of the page for support hours and contact information.

You can also log in to your Pay Portal and live-chat with a customer support representative.

I forgot my Posh Pay password. What should I do?

Please note we do NOT keep a record of your password!

If you have forgotten your password, you may reset it by following these steps:

  1. Click on Forgot Your Password? or Resend Activation Email.
  2. Enter your email address registered with the Pay Portal.
  3. Wait for a password reset email.
  4. Click on the password reset link in the email.
  5. Enter the answers to your security questions (answers are case sensitive).
  6. Enter a new password you have not previously used.
  7. Confirm the new password.
  8. Click on Submit.

Click here if you have forgotten your password

 

Posh Pay Prepaid Card

How do I view the Cardholder Agreement?

Log in to your Pay Portal and click Legal at the bottom of the page to access a digital copy.

Obtaining and Activating a Prepaid Card

How can I obtain a Prepaid Card?

A prepaid card will be issued to you once Perfectly Posh creates a Posh Pay account for you.

Obtaining Your Card:  We may ask to see your proof of identification and proof of address.

How long does it take for the card to arrive after I request it?

Depending on your location, please allow the following delivery times to receive your prepaid card after your request has been approved.

USA: up to 15 business days
Canada: up to 15 business days
Europe: up to 15 business days

Rest of World:
Standard - up to 6 weeks
Expedited - up to 3 weeks

What should I do if the card doesn't arrive within the normal delivery timeframe?

If you do not receive your card within the delivery times listed above, please contact Customer Support.

What are the benefits of using a Prepaid Card?

  • Load your card instantly using your commission payments.
  • Shop at any merchant bearing the Acceptance Mark displayed on your card front or back - in-store, online, or by phone.
  • Withdraw cash at more than 1 million ATMs worldwide
  • View your card balance and statement online or from your mobile phone.

Do I need to activate this card? How?

Once you receive your card in the mail, you may activate the card by calling the telephone number listed on the back of the card and following the voice prompts for card activation or you may activate online at www.poshpay.hyperwallet.com. Please log in to your account online, click on the "Activate Card" link, and follow the on-screen instructions. You will not be able to use your card until you have activated your card by accepting the Cardholder Agreement.
*Please note that telephone calls can be subject to international long distance rates.

How many cards can be attached per Pay Portal?

If stated in your Cardholder Agreement, the Pay Portal may have one primary cardholder and one secondary cardholder. Both cardholders access the same card balance.

Can the card be in the name of my business?

Prepaid cards may be issued in the name of an individual only.

How will I get my card's PIN code?

You will be provided or prompted to select your personal card PIN during the card activation process.

Using your Prepaid Card

How can I get money onto the card?

Once you have activated your card, you can move money from your online Pay Portal balance onto the prepaid card by clicking on “Prepaid Card” in your Pay Portal menu, then selecting “Load Prepaid Card” from the prepaid card dashboard. Funds transferred in this way will be available to use on your card immediately.

Where can I use the card?

Dependent on your card type, you can use your Prepaid Card to make purchases from any merchant bearing the Acceptance Mark displayed on your card, including online (except for online gambling merchants).

Please note that some merchants such as gas stations or rental car agencies may have a policy to not accept prepaid cards. This is a merchant-specific policy.

How can I obtain my card balance?

There are four ways you can check your card balance:

  • By logging into your online Pay Portal and viewing your card balance.
  • Using your smartphone, by accessing your Pay Portal via the mobile site https://poshpay.hyperwallet.com. Or, find and download the Posh Pay mobile app from iTunes or Google play!
  • By calling the number listed on the back of your card and selecting the option to obtain your card balance.
  • By consulting an ATM.

How long does it take for my transaction history to update with my card transactions?

Your Pay Portal transaction history will be updated with your card transactions a few moments after the card processor receives the transaction information. Please note that not all merchants may immediately submit their card transactions for processing, so you may not see the transactions in your history right away.

Can I use the card to withdraw cash at an ATM? If so, which symbols should I look for on the ATM?

You can use your prepaid card to make cash withdrawals at any ATM bearing the Acceptance Mark displayed on your card front or back. Please refer to your Cardholder Agreement to view your withdrawal limits.

Can I use the card outside of the country?

Yes, your Prepaid Card can be used internationally. If you make a purchase or withdrawal in a currency other than the currency in which your card was issued, the Issuer may assess a foreign currency conversion fee of 3% of the transaction amount.

Can I make transfers to my card and/or view card transactions on the mobile application?

You can view the load your card and view your card balance and history by logging into your account on your mobile application.

What is the maximum balance my card can carry?

Your maximum balance is determined by your card type. Please refer to your Cardholder Agreement for your maximum balance.

What limits is my card subject to?

Your prepaid card is subject to transaction limits as defined in your Cardholder Agreement under Fees and Limits Schedule.

Problems with your Prepaid Card

What should I do if I forget my PIN?

If you forget your PIN, you can reset it using the Reset PIN feature found in your online Pay Portal.

  1. Log in to your Pay Portal.
  2. Click on manage your card.
  3. Click on Action beside your card.
  4. Select Reset PIN.


What should I do if my Prepaid Card is lost or stolen?

If your card is lost or stolen, please immediately call and report it to the number shown here , any time of day and any day of the week. Our agents can then assist you by cancelling the card and issuing a new one for you.

What do I do if I don't recognize the merchant listed on my statement?

Some merchants may bill under a name other than their operating name or bill from a state different from where you made your purchase. If you still have questions about the transaction, please contact the merchant directly.

What is a Prepaid Card dispute?

If you believe that a prepaid card transaction has been posted to your account in error, you may submit a prepaid card dispute within 60 days of the date that appears on the transaction statement or receipt.

What happens after I submit my dispute?

After we confirm your dispute claim, we may need to contact the merchant and their bank regarding the disputed transaction. In some cases, we may contact you again via Mail if we need more information. We process disputes according to billing error procedures that are governed by federal law and outlined in your cardholder agreement.

What should I do before I submit a Prepaid Card dispute?

A quick call to the merchant can often answer your questions and easily resolve your prepaid card dispute. However, if this is not resolved, you may want to submit a dispute.

How do I submit a prepaid card dispute?

Please note the issuer of your prepaid card. You will find the card issuer displayed on the back side of the card near the bottom. Download the corresponding issuer dispute form and fill it out according to the instructions indicated on the form:

All Trans Financial Services Visa Prepaid Card

Bancorp Visa Prepaid Card

Choice Bank Mastercard Prepaid Card

MetaBank Visa/Mastercard Prepaid Card

Transact Payments Limited Prepaid Mastercard

Valitor hf. Visa Prepaid Card

Disputes are subject to time limits which vary between 30 and 120 days after the date they appear in your transaction history.

Most transactions must be disputed within 60 days of the date when they appear on your transaction history.

How long will it take to be reimbursed for unauthorized charges?

Approximately 45 – 60 days.

What should I know about using my prepaid card at gas stations, hotels and other merchants?

When you swipe your prepaid card at the pump of a gas station, oftentimes the gas station will place a hold (an ""authorization"") of up to $125.00 USD (or equivalent) on your card prior to you filling up. The actual amount purchased will be processed on the card at a later time, but the initial hold may last up to 8 days before being released, minus the amount of gas that was purchased. During the time that the hold is in effect, the funds being held will be unavailable for you to use.

If you wish to use your Visa Prepaid Card to purchase gas, we recommend going into the gas station to specify the amount of gas you wish to purchase in advance so that only that amount is held.

Some other merchants may have similar practices and even longer maximum pre-authorization timeframes. These include hotels and cruise lines (up to 30 days), car rental agencies (up to 60 days) and financial services (up to 10 days). In some cases, the merchant may be able to release the pre-authorization earlier than the maximum allowed holding time upon request.

Why is a transaction still outstanding?

If you notice a transaction under the status “outstanding purchase”, the merchant has not yet cleared the transaction. Transactions are usually cleared by the merchant shortly after the purchase was made.

However, some merchants such as gas stations, hotels, or cruise lines for example may pre-authorize a larger amount than the initial purchase and keep a hold on the funds for a longer time. These transactions will remain “outstanding purchases” until the merchant releases the funds and clears the transactions.

Can I dispute an outstanding purchase?

Please note that you will not be able to dispute a transaction if the status is still “outstanding purchase”. However, the merchant should be able to release the funds early. In order to have the funds released, please refer to section below.

How to release Pre-Authorized transaction?

If you would like to have the funds released earlier than the usual time frame, please follow the instructions below:
The merchant will need to fax a pre-authorization release letter to Hyperwallet Systems Inc. at +1 604 424-9926.
The letter will need to be sent directly from the merchant and will also need to be on company letterhead. The following information must be included for the authorization to be released:

  • Customer’s Name
  • Customer’s card # (first 6 and last four digits only)
  • Date of authorization
  • Authorization Amount in original currency
  • Authorization Code
  • Merchant ID

If the pending authorization is from a car rental, the merchant will also need to supply a copy of the closed contract (showing that the car has been returned).
If the pending authorization is from a hotel, the merchant will also need to supply a copy of the closed folio (showing check in/check out).

What is the Mastercard 3D Secure/Identity Check Program?
Please click here for details on the Mastercard 3D Secure/Identity Check Program
What are contactless payments?

Contactless payments use short-range wireless technology to securely complete payments between contactless cards and contactless-enabled checkout terminals. It’s a fast, easy, and secure way to pay for goods and services.

A contactless card is a chip card that has a near-field communication (NFC) antenna which enables close-range payments.

When you tap your contactless card at the contactless-enabled checkout terminal, your payment is sent for authorization.

A simple tap of your card is all it takes to pay at checkout!

How do I know if my card is contactless?

If you see the contactless symbol on your card, it means the card comes with contactless technology.

Which cards are related to this service?

All Posh Pay prepaid Mastercards issued by Transact Payments Limited.

How do I use my contactless card?

You do not need to swipe or insert your contactless card into the POS terminal when paying. To make a purchase, simply tap the card on the payment reader at the checkout of participating retail locations. A beep will indicate that your card has been detected and a payment is being authorized.

Where can I make contactless payments?

Anywhere you see the contactless symbol at checkout, you can tap to pay. This includes fast food restaurants, gas stations, convenience stores, pharmacies, stadiums and more.

If you don't see the symbol, your contactless-enabled card can still be used by inserting or swiping it at checkout.

How does contactless technology benefit me?

It’s faster, easier, and more secure than other payment methods:

  • You don’t have to enter your PIN for payments of €50 and under, or at unattended car parks and transport terminals. However, you will be prompted to enter your PIN on your fifth consecutive contactless transaction or when the cumulative amount spent reaches €150.
  • You’re in control because your card never leaves your hand when you make a payment.
  • Your contactless card is always on and ready to use.

What happens if I try to make a contactless payment for more than the contactless limit?

You will be asked to make a chip and PIN transaction for additional security.

How close does the "tap" have to be to the checkout reader?

When you tap your card/device at checkout, it must be within an inch or two of the contactless symbol on the terminal. Please note that if you have more than one contactless card in your wallet, you should remove the card you would like to pay with rather than tapping your wallet against the reader.

How will purchases appear on my transaction history?

Purchases made with your contactless card will be displayed on your transaction history just like any other purchase.

Are there any fees for paying with my contactless card?

No, there are no additional fees.

What is mobile wallet tokenization?

Mobile wallet apps allow you to securely store payment information like credit, debit, and prepaid card numbers on your mobile device.

Tokenization is a data security feature that replaces your real card number with an anonymous account “token” at the point of sale. When you make a purchase, the merchant uses this token – not your card number – to verify and process your payment.

Together, a mobile wallet with tokenization technology gives you a fast, safe, and convenient alternative to using your physical card when shopping in-store or online.

Are mobile wallets safe to use?

Yes. In fact, mobile wallets are more secure than physical cards. Using a mobile wallet reduces the risk of fraud by allowing you to take advantage of your device’s password and biometric authentication features like fingerprint and iris scanners. Tokenization provides the additional benefit of masking your card number so that even the merchant you’re paying is not able to see it.

How do I keep my device and card details secure?

  • Use your device’s additional security options. Create a lock-screen PIN and setup fingerprint or iris recognition if available.
  • If your device supports fingerprint recognition, only register your own fingerprint and do not allow anyone else to add theirs.
  • Never leave your device unattended in public.
  • Be wary of unsolicited messages asking you to reveal personal or financial information, and those that request permission to access or install software on your device.
  • If your device is lost, stolen, or compromised, contact customer support immediately so we can assist with suspending or disabling and replacing the card registered on your mobile wallet.
  • If available, sign up for your device’s “Find My” service. This will allow you to locate, lock, and remotely wipe sensitive data from your device if it is lost or stolen.

What’s the difference between Samsung Pay & Google Pay?

Google Pay uses Near Field Communication (NFC) technology to make contactless payments using your mobile device. This “tap to pay” service is limited to merchants with NFC-enabled payment terminals. In order to accept Google Pay for in-store purchases, merchants may be required to upgrade their payment terminals to accept devices with NFC capabilities.

Samsung Pay takes advantage of both NFC and Magnetic Secure Transmission (MST) technology. MST allows you to use the mobile wallet’s “tap to pay” functionality at almost any payment terminal in the world that accepts debit or credit cards.

How will mobile wallet transactions appear on my card statement?

All purchases processed on a mobile wallet will appear on your Pay Portal transaction history just like any other point-of-sale transaction.

How do I return an item purchased using a mobile wallet?

You'll need your store receipt, just like you would for any other purchase. If the merchant asks you to swipe or provide the original payment method so they can process a refund, simply hold the back of your phone up against the contactless payment terminal.

Can I use my mobile wallet to pay in-store internationally?

Yes. You can use your mobile wallet internationally almost anywhere contactless payments are accepted. Foreign exchange or other fees may apply. Please see your Cardholder Agreement for details.

I was sent a One-Time Passcode (OTP) when registering my card on a mobile wallet. What is this and why is it required?

To verify your identity and keep your card details secure, a one-time passcode is sent to you by text message when registering a payment method on your device. You will be prompted to enter this code during the registration process.

How do I learn more about Samsung Pay?

For more information, click here.

How do I learn more about Google Pay?

For more information, click here.

Live customer service representatives are available for support:

English: Mon – Fri 08:00 – 20:00*, Sat & Sun 08:00 – 17:00*
Spanish: Mon – Sun 08:00 – 17:00*
French and Mandarin Chinese: Mon - Fri 08:00 – 17:00*

*Please note all the hours mentioned above are in Pacific Time.

Posh Pay:

  • U.S.A. / Canada Toll Free: 1-855-218-7104
  • Worldwide: 001-604-900-2320
Perfectly Posh:
  • U.S.A. / Canada: 1-801-441-1744

Email Support

Please make sure you are logged in to Posh Pay so we can verify your identity and ensure a fast response to your inquiry. You can reach us by email at support@poshpay.hyperwallet.com or by using the form below. Include your Consultant ID and email address used when registering with Perfectly Posh in all correspondence.