Contactless technology lets you make everyday purchases quickly and safely wherever the universal contactless symbol is displayed—global retail stores, fast-food restaurants, pharmacies, grocery stores, and more. Simply tap your contactless-enabled Euro Pacific bank card at a secure contactless reader to make a payment.

Benefits

• Safe and secure – encryption that is unique to every purchase protects transaction data, and your card never leaves your hand, reducing risk of loss or counterfeit
• Faster checkout – no more fumbling with cash, and contactless payments do not require you enable web-based transactions beforehand
• It’s simple – just tap your card against the reader at checkout and you’re good to go

How do I use contactless?

1. Look for the contactless symbol at the point of sale.
2. When you are ready to pay, hold your card over the reader at close range.
3. Once the reader confirms that your transaction is approved, you are ready to go.

Additionally, customers using a contactless card do not need to enable them for web-based transactions. These cards are automatically enabled for web based use.

Please follow the instructions below to enable your card to perform web based (online/ecommerce) transactions.

1. Go to the Card Portal.

2. On the login page, enter your Card Number or SAN and Access Code.

     DON’T HAVE YOUR ACCESS CODE?

   1. If you don’t know your Access Code, click the “Forgot Access Code?” link below the login button.
   2. Enter your Card Number or SAN and the Email you registered when ordering your card.
   3. You will receive an email with your Access Code.
   4. Return to the login screen and enter your Card Number or SAN and Access Code.
3. On login, in the middle of the page, you will see an option to enable e-commerce transactions. Check the box and you will be able to complete your transaction within the next 36 hours.

If you are still having difficulty enabling e-commerce transactions after following the instructions above, please contact our Client Services team at +1-888-527-4041, send a message through your online banking account, or email [email protected].

If you suspect that a fraudulent transaction has occurred on your card, it is recommended that you first block the card to prevent any further transactions. This can be done through the same channels as reporting a lost/stolen card.

Once your card has been blocked, you can call the Call Center on the back of your card. A customer service associate will guide you through the process of submitting the fraudulent transaction claim.

Please keep in mind that fraud disputes can take some time as they must be fully investigated and as such any refund owed will not be immediate. You will be required to provide supporting evidence to substantiate your fraudulent transaction claim.

An over the counter cash advance refers to usage of your Euro Pacific Bank Card to withdraw cash from any source, outside of an ATM (ex. bank, merchant, post office etc.). These transactions have the same limits as ATM withdrawals.

All card orders are shipped approximately 4-5 business days after our card supplier receives our card request, which is sent to them every Wednesday. Be sure to enter your Card Request on or before Tuesday to avoid waiting until the following week.

After our card supplier ships the card, they send us the tracking code. There may be a slight delay between the shipment and when we receive the tracking code to forward to you, so thank you in advance for being patient.

Before your card expires you will be contacted by the Bank to confirm you want a renewed card sent out. You will be required to pay a nominal renewal fee, including any courier charges (if applicable) to have a new card sent to you.

If you do not respond to the request to have a renewed card sent out, one will not be automatically issued.

Due to specific card scheme rules for car rental and hotel companies, the auto-release time frame for these holds is up to 180 days. However the holds can be manually released upon request providing our card processor with the proof of final payment (invoice/receipt) or confirmation from the hotel the amount won’t be debited.

Normally all merchants have to present transaction for clearing within 7 days from the auth day. At the same time the car rental and hotel companies can send the clearing at the time when the client actually check-out/ return the car.

The holds will automatically be released when the cardholder pays at the end of the rental period or hotel stay if the payment is made using the same card. This is because the payment is made using the same reference as the hold authorization, so the two are reconciled and the hold is released. However, if the cardholder only uses the card for authorization, then settles with the car rental company or hotel using a different card or cash, then the holds remain intact. The hotel or car company should be releasing these authorizations themselves, but often they tend not to bother doing this, which is causing cardholders this issue.

As per our card processors Compliance, these holds are not released until 180 days afterwards, however cardholders can contact the processor and provide proof of cancellation or payment via a different method and they will then release these holds manually.

The process to activate your card is easy. When you recieve your card in the mail, it is attached to a letter. The letter contains instructions that you need to follow to activate your card. If you have trouble with the activation, please call us and we can assist in walking you through the process.