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Payce Digital Contactless FAQs

What is a contactless Payce Digital Card?2021-07-23T19:00:10+00:00

Your Payce Digital Card carries contactless payment technology which allows you to make payments at contactless enabled checkout terminals by simply waving or tapping your Card to initiate payment.

How do I get a contactless Payce Digital Card?2021-07-23T19:00:33+00:00

You will receive your new contactless Payce Digital Card in the mail when your existing Card expires.

How do I use my contactless Payce Digital Card?2021-07-23T19:00:55+00:00

Simply look for the contactless payment symbol on the checkout terminal; if the terminal accepts contactless payments, tap your contactless Payce Digital Card on the terminal, you can also wave above the terminal to initiate the payment. Once approved, the terminal will beep to confirm a successful payment transaction.

Where can I use my contactless Payce Digital Card?2021-07-23T18:59:45+00:00

Your contactless Payce Digital Card can be used at any merchant who carries a contactless payment terminal. If the merchant does not carry a contactless enabled device, you may still proceed with your payment by either swiping or inserting your Card.

How secure is a contactless payment?2021-07-23T19:01:21+00:00

Very secure! Payments made with your contactless Payce Digital Card are protected with the same technology as Chip & Pin.

What are some of the benefits of making contactless payments?2021-07-23T19:04:56+00:00

Contactless payments are extremely quick and easy which makes them ideal for payments at fast food restaurants, supermarkets, cinemas and more. They are also very secure as each contactless transaction generates a one-time usage code which protects your payment information.

Will I be protected against the threat of fraud with my contactless Payce Digital Card?2021-07-23T19:02:30+00:00

Yes! Each contactless card carries an EMV chip which adds an extra layer of security and interacts securely with contactless terminals. Sensitive information such as your CVV number, PIN etc. cannot be accessed by hackers.

Can I accidentally initiate a contactless payment if I come into close proximately to a contactless terminal?2021-07-23T19:03:01+00:00

No. There are key steps which have to be taken such as confirmation of the purchase amount, in addition to your verification of the amount which has been entered into the contactless terminal.

I’ve lost my contactless Payce Digital Card. What should I do?2021-07-23T19:03:30+00:00

Even though it may look easy to initiate a transaction, contactless cards carry limits on the value of transactions, which may prompt for additional information such as your PIN if the amount goes over an unspecified amount. Nevertheless, you are advised to contact the Payce Digital office immediately by using the numbers at the back of your Card, if you lose or misplace your Card.

Additionally, we advise you to register for transactional alerts which notifies you of any unauthorized transactions which are made on your account.

If I am indeed the victim of a fraudulent attempt on my contactless Payce Digital Card, how would I go about reporting this?2021-07-23T19:04:13+00:00

We advise you to always be vigilant, however, in the event that your card is compromised the Card will be immediately blocked and an investigation launched. A new contactless Payce Digital Card will then be reissued.

Card PIN Selection FAQs

What is a PIN?2021-07-23T19:05:47+00:00

A PIN is a four (4) digit Personal Identification Number which is uniquely linked to your Payce Digital Card. This PIN is required to initiate payments at any Chip & PIN enabled terminal and for ATM withdrawals.

How do I receive my PIN?2021-07-23T19:06:11+00:00

Your PIN was initially provided to you when you became a Cardholder, to be used in the process of ATM withdrawals.

Will my existing PIN continue to work?2021-07-23T19:06:41+00:00

Yes, your current PIN will continue to work, however, you now have the ability to change your PIN at your convenience. Please note that once a PIN has been changed, the old PIN becomes invalid.

I can’t recall receiving a PIN, how do I get a new one?2021-07-23T19:08:26+00:00

You can gain access to a new PIN by following these simple steps:

  1. Log into your Payce Digital Online account at www.paycedigital.com
  2. Select “Preferences
  3. Then select “Change PIN” under “Card Online PIN
  4. Enter your chosen four (4) digits and then select “Update
  5. Once confirmed an “Online PIN has been changed” message will be displayed.
If I do not have a new contactless Chip & PIN card and require a new PIN what do I do?2021-07-23T19:09:08+00:00

If you require a new PIN, simply log into your Payce Digital Online Account and follow the steps provided above to generate a new PIN.

Will I be required to provide my current PIN in order to obtain a new PIN?2021-07-23T19:10:25+00:00

No. Simply log into the Payce Digital Online portal where your credentials will be verified. This will allow you to freely create a new PIN.

How long will it take for my new PIN to be active?2021-07-23T19:10:03+00:00

When you initiate a PIN change via the Payce Digital Online portal, the change is enforced immediately, allowing you instant access for POS purchases.

How many times can I change my PIN?2021-07-23T19:11:06+00:00

There are no restrictions on the number of times you can change your PIN online.

Do I have to provide a PIN when making online transactions?2021-07-23T19:11:31+00:00

No, your PIN is only required for POS transactions or if you wish to make withdrawals at a ATM.

What happens when the merchant does not accept Chip & PIN Cards?2021-07-23T19:11:54+00:00

In the event that the merchant’s terminal is not Chip & PIN enabled, you will be asked to confirm the transaction by using your signature.

Is it safe to reveal my PIN to Friends and Family?2021-07-23T19:12:20+00:00

No. You must never share your PIN details as it must be protected at all times. If you suspect that someone has identified your PIN number, you are advised to log into the Payce Digital Online portal and immediately change your PIN.

Student Smart Card FAQs

What is the difference between my Payce Digital Card and the Payce Digital Student Smart Card?2021-07-23T19:13:07+00:00

Your Payce Digital Card allows you to use it anywhere in the world where VISA is accepted. The Payce Digital Student Smart Card is also a globally accepted card product specifically designed for students between the ages of 18 and 25 with student status.

What are the benefits of the Payce Digital Student Smart Card?2021-07-23T19:13:51+00:00
  • Manageable Credit Limit
  • Low Annual Fee
  • Low Interest Rate
  • Low Minimum Repayment
  • Annual Scholarship Opportunity
  • Mobile Account Access
  • Access to Free Credit Seminars
  • Free Birthday Gift
What is the limit for the Payce Digital Student Smart Card?2021-07-23T19:15:28+00:00

The maximum limit of the Payce Digital Student Smart Card is $500.

How will I receive my birthday gift?2021-07-23T19:15:05+00:00

The Payce Digital Student Smart Cardholder will receive a digital birthday greeting notification from the Payce Digital Team as well as instructions on how to access their birthday gift.

What is the value of the Annual Scholarship Opportunity and how does it work?2021-07-23T19:16:00+00:00

Details around the annual scholarship will be announced by March of each year for presentation by September same year.

How can I learn more about the Free Credit Seminars?2021-07-23T19:16:25+00:00

Details of the annual Credit Seminars will be emailed to all Payce Digital Student Smart Cardholders. Typically, these sessions will be slated for the month of October.

What are the Requirements for getting a Payce Digital Student Smart Card?2021-07-23T19:17:34+00:00

To be eligible for a Payce Digital Student Smart Card, you must:

  • Be earning a minimum of $150 weekly
  • Be between the ages of 18 and 25
  • Be registered with a secondary or tertiary institution. Student status must be submitted for eligibility

Students with no income are eligible to apply, supported with a Guarantor.

What information will my Guarantor have to bring to support my application?2021-07-23T19:18:23+00:00
  • Recent Job Letter and two most recent pay slips
  • Valid Photo Identification
  • Proof of Address
  • $15 Processing Fee (Either Applicant or Guarantor to pay)
As a Guarantor would I have to sign any legal documents?2021-07-23T19:19:05+00:00

Yes. On the Application Form there is a section entitled Guarantor Summary Terms and Conditions which all guarantors must accept by signing.

Will the Account be issued in the Applicant’s Name or the Guarantor?2021-07-23T19:19:38+00:00

The account will be issued in the Applicant’s name.

If I have an existing Payce Digital Card as a working student, can I transfer my balance?2021-07-23T19:20:12+00:00

Yes, you can. The Cardholder would be expected to clear the current card balance and then request to be transferred to the Payce Digital Student Smart Card. This request should be submitted via email to The Credit Manager, Payce Digital at [email protected]

What will be my monthly Minimum Payment?2021-07-23T19:20:42+00:00

Your minimum repayment is 5% of your used balance.

Are there any other fees associated with the Payce Digital Student Smart Card?2021-07-23T19:21:24+00:00
  • Annual Fee $10
  • Processing Fee $15
  • Return Cheque Fee $50
  • Cash Advance Flat Rate Fee $5
  • Interest Rate Charge 18% APR* (1.5% monthly)
  • Replacement Card Fee $10
What is the Cash Advance Flat Rate Fee?2021-07-23T19:21:49+00:00

This is the nominal fee charged to Cardholders for usage of their Payce Digital Student Smart Card at Automated Banking Machines (ABMs) when withdrawing cash.

Can I only activate my new Payce Digital Student Smart Card by calling Customer Service?2021-07-23T19:22:18+00:00

Of course not! You are free to have your new Card activated by a Customer Service Representative if you are visiting either our One + Haggatt Hall or Broad Street office.

Payce Digtal Mobile App FAQs

What is the Payce Digital Mobile App?2021-07-23T19:23:13+00:00

The Payce Digital Mobile App is an application designed for users to conveniently perform everyday activities on their Payce Digital Account.

How do I gain access to the Payce Digital Mobile App?2021-07-23T19:23:36+00:00

It’s easy! Download the App from either Google Play or the Apple App Store and follow the registration process. For further assistance, feel free to contact our Customer Service Team at 539-4444.

What is the difference between the Payce Digital Mobile App and Payce Digital Online?2021-07-23T19:24:07+00:00

Payce Digital Online helps you to manage your transactions online meanwhile the Payce Digital Mobile App allows you access your account details, transfer credit to friends and family, shop at any of our Mobile Partners and much more!

I have Payce Digital Online; will my Login ID and Password be the same?2021-07-23T19:24:34+00:00

This is great news! Your Payce Digital Online User ID and Password grants you access to the Payce Digital Mobile App.

What happens if I forget my password?2021-07-23T19:25:01+00:00

If you are a Payce Digital Online user, you will have the ability to initiate a password reset by accessing your account. Alternatively, you will need to contact our 24-hour Customer Service Team to have your Mobile profile reset.

What should I do after successfully downloading the Payce Digital Mobile App?2021-07-23T19:26:28+00:00

You can proceed to register by mobile number or email address in order to gain access to the Payce Digital Mobile App. Please ensure that either your mobile number or email address matches the information we have on record. You are encouraged to contact our 24-hour Customer Service Team at 539-4444 to have this information updated.

Will I gain immediate access to the Payce Digital Mobile App once my email address and cell number has been updated by the Customer Service Representative?2021-07-23T19:26:56+00:00

Yes! Once all details have been updated on our system, you can proceed to register in order to gain access to your account information.

I have multiple accounts; will I have access to all of them through the Payce Digital Mobile App?2021-07-23T19:27:27+00:00

Yes! You will be granted access to all your active accounts through the Payce Digital Mobile App.

Is there a fee charged for downloading the Payce Digital Mobile App?2021-07-23T19:27:55+00:00

No Way! You won’t be billed for downloading the Payce Digital Mobile App. However, please be aware that some charges may apply with your mobile service provider.

What services do I receive with the Payce Digital Mobile App?2021-07-23T19:28:35+00:00

With the Payce Digital Mobile App, you will gain access to:

  • View account balances for all active accounts
  • Send and Receive funds to other Payce Digital Cardholders
  • View recent Card and App transactions
  • Shop at any Payce Digital Mobile Partner
Can I transfer credit to Cardholders from other financial institutions?2021-07-23T19:30:02+00:00

All credit transfers completed during the App will be limited to Payce Digital Cardholders.

Can I transfer credit to Payce Digital Cardholders who do not have the Payce Digital Mobile App?2021-07-23T19:29:41+00:00

All credit transfers completed in the App will be deducted from the existing Available Credit on your Payce Digital Account. These transactions will appear under your Recent App Transactions in the Mobile App and also appear on your monthly Statement.

Are the transfers completed in the Payce Digital Mobile App tied to my existing Payce Digital Account? And will these transactions be reflected on my Statement?2021-07-23T19:30:30+00:00

Yes! For your convenience, you will have three (3) options for transferring credit to your friends and family. These can be found under the Send Funds option within the Mobile App and include: Phone to Phone, App User and Non-App User.

Why do I need to create a Passcode to Send Credit to my friends and family?2021-07-23T19:30:59+00:00

For your added security, we recommend that you create a Passcode that should be kept confidential, in the event that your registered Mobile Device is ever lost or stolen. This way you remain protected from any unauthorized usage of your Payce Digital Account.

Can an additional Cardholder on a joint account access the feature to transfer funds as well?2021-07-23T19:31:39+00:00

Of course! Additional Cardholders will have access to the transfer funds feature; however, they may be limited in viewing full account details.

Can I retract a Credit Transfer completed in the Payce Digital Mobile App?2021-07-23T19:32:10+00:00

Unfortunately, no! To obtain these funds, you will need to request the Receiver to initiate sending a credit back to you.

Will I have access to my statements through the Payce Digital Mobile App?2021-07-23T19:32:39+00:00

Yes! You will have access to your last six (6) months Statements and these will be available for you to email and view in pdf.

What are Open Authorisations?2021-07-23T19:35:31+00:00

These are your completed transactions which are yet to be settled by the Merchant. Once settled, these transactions will appear on your account and statement.

Can I freeze my Card through the Payce Digital Mobile App?2021-07-23T19:33:36+00:00

Yes, you have the ability to lock your account via the Payce Digital Mobile App.

How secure is the Payce Digital Mobile App? What happens if I misplace my phone or device?2021-07-23T19:35:58+00:00

The Payce Digital Mobile App has been designed with your security in mind and incorporates the highest digital standards and encryptions in order to keep your personal data information safe. Remember – be sure to create your personal Passcode in order to help protect your account in the event that your device is lost or stolen.

Digital Mobile Partner FAQs

What is a Payce Digital Mobile Partner?2021-07-23T19:36:38+00:00

A Payce Digital Mobile Partner is a micro, small or medium size business that registers for access to the Payce Digital Mobile App in order to receive and make payments digitally, access balances in real time and has the ability to transfer from their mobile account to a bank account.

What are the benefits of becoming a Payce Digital Mobile Partner?2021-07-23T19:37:35+00:00

The benefits associated with being a Payce Digital Mobile Partner are exciting; from your mobile device (phone or tablet) you can:

  • Receive payments for your business from Payce Digital customers.
  • Make payments through your Payce Digital Mobile App with other Mobile Partners.
  • View your balance in Real Time.
  • Transfers money from your Payce Digital Mobile Account to your registered Bank Account.
  • Receive marketing opportunities through Payce Digital website and social media platforms.
  • Exclusive value-added business offers from other business service providers.
  • A Payce Digital Card to access accumulated funds from sales.
How do you become a Payce Digital Mobile Partner?2021-07-23T19:38:05+00:00

The Payce Digital Mobile Partner Application Form is completed and submitted to Payce Digital at either our One + Haggatt Hall or Broad Street Office; the application can also be completed and submitted online at www.paycedigital.com

What documents are needed to register to become a Payce Digital Mobile Partner?2021-07-23T19:38:55+00:00

Copy of the Business Certificate, Copy of the CAIPO Form 1, Copy of Government Issued Identification, Proof of Address (copy of a utility bill must be less than three months old, or the top portion of a bank or Credit Union statement).

How long does it take for the account to be set up?2021-07-23T19:39:19+00:00

Payce Digital is committed to have the account opened within 48 hours after the submission of all documents.

Is there a cost to register to become a Payce Digital Mobile Partner?2021-07-23T19:39:50+00:00

Registration to become a Payce Digital Mobile Partner is free of cost.

Do I get a Payce Digital Card with my Payce Digital Mobile Partner Account?2021-07-23T19:40:17+00:00

Yes. Payce Digital Mobile Partners will receive a Payce Digital Card which gives them access to their funds accumulated from business sales. The Payce Digital Card can be used a s method of payment locally or internationally.

Is a credit limit automatically assigned to the Payce Digital Card?2021-07-23T19:40:42+00:00

No. A credit limit is not automatically assigned to the Payce Digital Card. The Card will carry zero balance credit limit, this means that the Mobile Partner will utilize the business money received from sale of products and services paid for by customers.

Is the Payce Digital Card for Mobile Partners the same as a Debit Card?2021-07-23T19:41:06+00:00

No. the Payce Digital Card is not a debit card. It is a credit card that will carry a zero-credit limit. This means a credit limit is not assigned to the Card.

Can the Payce Digital Card be used for online purchases?2021-07-23T19:41:29+00:00

Yes. The Payce Digital Card can be used internationally for online purchases without attracting monthly interest fees charged by Payce Digital as the money used is the businesses’ funds. However, local Government Taxes and international fees such as State Taxes, Transportation Fee etc., would be applied.

What are the Fees associated with the Payce Mobile Partner account?2021-07-23T19:41:56+00:00

A Transaction Fee of 1.75% is charged on each payment received using the QR code feature. If the customer is using the Send & Receive function to make a payment a fee of $1.50 is paid by the customer. The Mobile Partner has the option to transfer accumulated funds from the Mobile Account to their Bank Account. The cost is $15 for each transfer requested. The transfer request is a feature within the App.

What are the fees associated with the Mobile Partner Account with a Credit Limit?2021-07-23T19:42:24+00:00

The Mobile Partner account with a credit limit is reclassified as a Mobile Partner with a Payce Digital Card account and that account will attract a monthly interest rate of 1.83%. A minimum payment which is calculated at 10% on the owned balance must be paid on the specified payment date.

Can Cash withdrawals be made using the Payce Digital Card?2021-07-23T19:42:56+00:00

Yes. Mobile Partners can make cash withdrawals using their Payce Digital Card from specified ATMs.

What are the Cash withdrawal limits for the Payce Digital Card?2021-07-23T19:43:23+00:00

A Mobile Partner using their Payce Digital Card can withdraw $250 twice a week. If the Mobile Partner has a Payce Digital Card at a Gold Status ($5,000 and over), the withdrawal limit is $500 twice a week.

Which ATMs can a Payce Digital Mobile Partner use for Cash withdrawals?2021-07-23T19:43:49+00:00

Mobile Partners can use their Payce Digital Card to make withdrawals from CIBC First Caribbean International Bank, Republic Bank Ltd., Bank of Scotia and RBC Royal Bank ATMs. All ATM Fees associated with the withdrawal will be charged to the account.

Creditor Life Insurance FAQs

Who is eligible for Creditor Life Insurance?2021-07-23T19:45:34+00:00

All Payce Digital Account holders between the age of 18 and 65 are registered under the Creditor Life Plan.

How do I apply for Creditor Life Insurance?2021-07-23T19:46:22+00:00

No need to apply! All Payce Digital Account holders are automatically registered for the program.

How much does Creditor Life Insurance cost?2021-07-23T19:47:00+00:00

The premium rate is .25ȼ per $100 per month of the outstanding loan balance at the end of the prior month for a single Cardholder. For example, if your account balance at the end of July is $1,550, a total premium of $3.88 will be charged to your Payce Digital account during the month of August.

What are my benefits for having Creditor Life Insurance?2021-07-23T19:47:29+00:00

The outstanding balance on your Payce Digital account will be repaid if you become disabled due to Short-Term or Long-Term illness or in the event of death.

Can I be covered for joint insurance?2021-07-23T19:47:57+00:00

No, the coverage is only applicable to the principal Cardholder.

Do I have to provide medicals to be eligible for Creditor Life insurance?2021-07-23T19:48:22+00:00

No. Medical evidence is not required for this insurance.

How do I pay my premium?2021-07-23T19:48:48+00:00

The premium will be charged directly to your Payce Digital account each month, once you have an outstanding balance at the end of the previous month.

When does my coverage terminate?2021-07-23T19:49:19+00:00

Coverage terminates at age 70.

What happens if I repay my outstanding balance and two (2) months later I incur a balance? Do I have to reapply for coverage?2021-07-23T19:49:47+00:00

No, you will not be required to reapply and you will only be charged a premium if you incur a balance on your account.

Can I opt-out of the Credit Life Plan?2021-07-23T19:50:20+00:00

The Creditor Life Plan is a benefit and feature of Payce Digital. As a result, the Payce Digital Card cannot be activated without the Creditor Life Plan.

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