Frequently Asked Questions

How can the ZSafe MMV Card help me get out of debt?
The ZSafe MMV Card allows you take your money with you safely anywhere in the world, and only spend what you have in your budget  without going into debt.  As a benefit of the ReferCard Network, you also earn Loyalty Matrix Rewards when you refer others and also rewards from other members who join and the members they refer.  Extra points on your card means more available dollars in your budget.  There are also 700+ retailers like Circuit City, K-Mart, Target who also will send you rebate dollars to your card when you purchase using the ZSafe card in their stores.i

How do I become a ZSafe Member?
All ZSafe Members must referred by an existing ZSafe Member in good standing.  Most ZSafe members have a New Member Enrollment page on their personalized web site to walk you through the enrollment process.

How much does it cost to use the ZSafe MMV Card?
The fees for the ZSafe Card transactions are listed in the Membership and Cardholder Agreement.

How is the ZSafe Card shipped to my enrollment address?
The ZSafe membership and debit card is sent by regular first class mail.

Can I change my account information?
You can always change account information such as your billing address by logging on to your Customer Portal, accessing your MMV account or by calling customer service.

I received my ZSafe MMV card in the mail. What do I do now?
The first step before using your new ZSafe MMV Card is to activate it. You can activate your card by going to this URL, click here > http://www.refercard.com/activate or by calling 800-???-????. Once your card has been activated you can use it to make purchases at PIN locations and ATMs in our network:  Cirrus, Maestro, Plus, Star, and Pulse.

Why do I need to go through so many steps to activate my ZSafe MMV card?
We require these steps to protect you. These steps ensure that the card goes to the intended recipient and that your money and account is double password protected and secure.

Can I add money to my ZSafe MMV Card account?
Your card is re-loadable at Bank of America locations, and other locations that are added to our online locator system. You can also attach a checking account to your ZSafe account and transfer the money online via ACH to your card account.

How much is the monthly service fee and what happens if there is not enough money in my account to debit the monthly charge?
If we are not able to debit one of fees you will be notified via email that you need to load your MMV account to cover the fee and at the 60 day mark with no fees paid your card will become inactive. In order to reactivate your MMV card account, you will need to pay your fees current plus a $10 re-activation fee.  If the card is not made active within 90 days, you will have to enroll again and establish a new ZSafe MMV membership account.

Can I withdraw money from an ATM?
Yes, you may withdraw money from any ATM that displays the Cirrus, Maestro, Plus, Star, and Pulse logos.

How can I see all the purchases I've made in the past?
You can log on using your username and password to view your transaction history online at your customer portal. You can also hear the last five transactions by calling 800-???-???? .

Why is there an unfamiliar merchant name listed on my statement? I don't remember shopping there.
There are several reasons why this might happen. Some stores are part of a larger corporation that may have a different name than the store name. And other merchants choose to do their processing under a different company name. However, if you believe a transaction does not match up with any recent purchases, call us at 800-???-???? to notify the processing center.

How can I be sure that the information I provide is secure?
All the information you provide us is encrypted with secure SSL technology, ensuring that your information remains secure.

What is your privacy policy?
To review our Membership and Card Holder Agreement, please click here.

What should I do if my ZSafe MMV Card gets lost or stolen?
Please call 800-???-???? right away to report your card lost or stolen. A customer service representative will cancel your old card and issue you a new one with a different number.  There is a $10 fee for card replacement.  This fee will be debited from the money transferred to the new card.