Not everyone has a bank account, and even those with accounts might find it expensive to maintain debit and credit cards issued by the bank. Instead, a cheaper and more flexible way of making online payments for purchasing goods and services is to use a prepaid card like Securespend. Prepaid cards work the same way as debit and credit cards but do not require the backup of a bank account. Anyone can purchase prepaid cards that do not have any eligibility criteria except for making payment in advance to get the card.
Prepaid cards give complete peace of mind to users who need not carry cash but can make online payments safely and conveniently by presenting the card at the ptime of payment. You can use the card for both ‘Credit’ and ‘Debit’ transactions but would need a PIN to undertake the latter type of transaction. The PIN you use for the first time is the PIN to use in the future. However, there is an option of changing your PIN by logging on to your account online and using the Manage PIN option.
Securespend: A Widely Accepted Prepaid Card
Prepaid cards are readily available from various stores such as Walmart, Walgreens, CVS Pharmacy, Family Dollar, Dollar General, and many other stores. You can get your card from a nearby store without disclosing your personal information. As prepaid cards do not require personal information, they provide excellent relief to users as they need not worry about protecting personal information, which ensures high safety. As per information gathered from the securespend.com website, it is heartening to note that the prepaid card is acceptable across the USA and the District of Columbia and is considered at par with Debit Master Cards or Visa debit cards. However, the card is only acceptable in the US.
You can start using the card immediately after purchasing it. Still, it is better to check the activation time with the retailer, as some retailers may activate the cards after 24 hours.
Features of Securespend Prepaid Card
The prepaid cards are available in denominations between $20 and $500. And the balance is reduced whenever you use the card for making payments. Be mindful of the card balance while making payments because if the payment amount exceeds the balance, then you must opt for either a dual payment method, provided the merchant agrees to it. Alternatively, some merchants might allow you to pay the shortfall in cash. However, there is no provision for reloading the prepaid card, meaning you must buy a new card upon exhausting the balance of an existing card. Also, note that the card is non-returnable and does not require any fees at the time of purchase. If you have multiple prepaid cards from the same company, you cannot transfer the balance of one card to another.
Billing Address for Online Transactions
When making online payments, it is necessary to provide your billing address. To avoid sharing your personal information, you can use your postal or mailing address as the Billing address. Be careful when using the card at gas stations because some merchants prefer to authorize and hold back $100 (authorization completion might take 7 days) or the total value of your card, whichever is lower, to ensure that you have sufficient funds to make payment.
Prepaid cards have the backing of some branded card network. The company issuing Securespend prepaid cards has a license granted by Visa or MasterCard that ensures the authenticity of the company in conducting the business of selling prepaid cards, including secure spend gift cards.
When buying a Securespend prepaid card, you should know that it is also known as a secure spend gift card because it lacks the reloading feature. Usually, prepaid cards are reloadable so that you can keep using the card as long as you want by loading it when required. Although this is not the case with prepaid gift cards meant for single use, the cards are beautiful as it does not involve any fees when buying the card.
