SHOPNPAY VISA DEBIT CARDS FAQs

 

 

 

What you need to know about your ShopNPay Visa Debit Card.



What are ShopNPay Visa Cards?

ShopNPay Visa Debit and Prepaid Cards are Sterling Bank's Visa cards that provide electronic access to your funds anytime and anywhere in the world. 

Sterling Bank of Asia offers (2) two types of ShopNPay Visa Cards:





Debit Card
– An all-in-one account that allows you to securely access available funds in your bank account to make purchases, pay bills or withdraw cash at ATMs anytime and anywhere in the world. 




Prepaid Card
- A reloadable stored-value VISA card where you can load funds to according to your desired amount for you to make purchases, pay bills or withdraw cash at ATMs anytime and anywhere in the world.




What is the difference between my ShopNPay Visa Debit Card and my Credit Card?

Your ShopNPay Visa Card and credit card work exactly the same in terms of payment acceptance.  The difference is that your ShopNPay Visa Card accesses your funds maintained with the bank, while your credit card accesses your credit limit.




What's the chip embeded in front of my card,
and what does it do?




Europay Mastercard Visa (EMV) Chip embedded in front of your ShopNPay Visa Card is
a global standard for inter-operation of integrated circuit cards (IC cards or "chip cards"). It allows you to transact at point of sale (POS) terminals and automated teller machines (ATMs), and is used for authenticating credit and debit card transactions. Its added security feature provides greater protection against fraud to the cardholder. 




Where can I use my ShopNPay Visa Card?

 

 

Swipe to Buy - Pay your purchases items at any Visa and BancNet POS merchants.


 

 

Settle with Style - Pay your bills anytime, anywhere through www.bancnetonline.com.


 

 

Shop Online - Your shopping access to any Visa affiliated and BancNet affiliated online stores.


 

 

Sure Cash Anywhere – Withdraw cash from ATMs all over the world (BancNet, Megalink, ExpressNet and Visa Plus).





What are the benefits of having a ShopNPay Visa Card?

The ShopNPay Visa Card gives you the B.E.S.T benefits for either Debit Card or Prepaid Card:

 

Debit Card

B-uy things you want without the need of paying in cash.
E-asy access to your funds anytime, anywhere without the need of going to your bank.
S-tress free payment of your bills at the convenience of where you want to be.
T-ake great deals from Visa's discounts and promos at Visa accredited merchants all over the world
.


Prepaid Card
 
B-etter way to budget your spending.
E-asy access to your funds anytime, anywhere without the need of opening a bank account.
S-tress free payment of bills at the convenience of where you want to be.
T-ake great deals from Visa's discounts and promos at Visa accredited merchants all over the world.

 



How do I use my ShopNPay Visa Card? 



• At any Visa accredited establishments

    – Simply sign the sales slip after the cashier swipes your card. Purchase amount will automatically be deducted from the balance of your Sterling bank Account when using your Debit Card or from your card balance when using your Prepaid Card.

• At any Bancnet accredited merchants

    – Simply key-in your PIN after the cashier swipes your card and the purchase amount will automatically be deducted from the balance of your Sterling bank Account when using your Debit Card or from your card balance when using your Prepaid Card.

• In any Visa/Bancnet accredited online stores

    – Enter the information required by the online store to authorize the payment transaction you made with your ShopNPay Visa Card.

• Via BancNetOnline

    – Enter the information required to access your account through BancNetOnline's Balance Inquiry and Bills Payment facilities.Just visit www.bancnetonline.com

• At any VISA Plus, BancNet Megalink and ExpressNet ATM

– Key-in your ATM PIN after inserting your ShopNPay Visa Card to access your funds.

 


How do I get a ShopNPay Visa Card?

For a ShopNPay Debit Card - You just need to open a Sterling Bank Solo or Duo personal account and Sterling Bank will give you the card for FREE,

For a ShopNPay Prepaid Card - Just bring (2) two valid IDs at the nearest Sterling Bank branch you and we will immediately process your card application for a minimal fee.


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


If your ShopNPay Visa Debit or Prepaid Card is lost or stolen, please contact our Customer Service Helpline at (+632) 7216000. Your immediate reporting will enable us to cancel your ShopNPay Visa Debit and Prepaid Cards to protect you from possible unauthorized transactions. At a minimal fee, a replacement ShopNPay Card can be provided for you.



What if my ShopNPay Visa Debit or Prepaid Card gets captures at an ATM machine?

Captured Card Policy for internationally issued Debit or Prepaid Card is to cut/destroy the card and it should no longer be returned to the issuing bank. Hence, if your ShopNPay Visa Debit or Prepaid Card gets captured abroad, a replacement card should be requested immediately at sane contact number mentioned above.


Is there a transaction charge each time I use my ShopNPay Debit and Prepaid Visa Card?


There are no transaction fees for purchases made at any Visa and BancNet accredited merchants. However, a minimum charge may be deducted from your card every time you withdraw in any BancNet, Megalink and ExpressNet ATM terminals or Visa member bank.

Withdrawal charges are as follows: 

     

Local Fees
Successful withdrawal in BancNet/
Megalink/Expressnet ATMs  
Php12.00
Megalink/Expressnet ATMs
Php 1.00
Withdrawal/Balance Inquiry at
Sterling Bank of Asia ATMs
FREE
  
International Fees (Visa ATMs)
Successful withdrawal
US$ 3.00
Balance Inquiry
US$ 1.00
Declined transactionsUS$ 1.00




Where can I call if I have inquiries about by ShopNPay Visa Debit Card?

For more questions and concerns regarding your ShopNPay Visa Card, you may contact us through the following:

• Customer Service Helpline at (+632) 7216000
• Email us at customer.service@sterlingbankasia.com
• Visit any Sterling Bank branch near you.

Sterling Bank will be happy to assist your with your concerns.

 

 

 

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