Use your Goldmoney Prepaid Mastercard the same way you would use a credit card or debit card. Swipe or insert the card at the point of sale, enter your card details when making purchases online, and take cash out at an ATM. Most ATMs will require you to select 'debit' though some will require you to select 'credit card' when processing your purchase. Make sure you have sufficient funds loaded to your card prior to attempting to make a purchase, or your transaction will not process.
Your 4-digit PIN will be needed to complete ATM withdrawals and most point of service purchases, so make sure you have taken note of it! If you enter your PIN incorrectly multiple times, your card will be blocked as a security measure. If you block your card, please contact support for assistance. If you have forgotten your PIN, you will need to retrieve your PIN in order to use your card.
You can take out cash at any traditional ATM bearing the Mastercard, Maestro, or Cirrus logo using your Goldmoney Mastercard and PIN. You can find an ATM near you here! Make sure that when you are using an ATM that is not denominated in the currency of your card to be mindful of adhering to the card fees and limits in your card's currency. For example, if you are using a USD card to withdraw CAD from an ATM, attempting to withdraw $20 CAD will not process because the minimum ATM withdrawal amount for the USD card is $20 USD. Since these currencies are not equal in value, you would need to withdraw more CAD to meet the minimum withdrawal requirement.
Refunds on the Goldmoney Prepaid Mastercard are the same as any other refund on a major credit card. Please allow for 3-5 business days for the funds to return to your card once the refund has been issued by the merchant.
Note that some merchants may not accept prepaid cards due to the inability to force a debit upon prepaid cards if there are no funds loaded to them. Transaction issues may occur when attempting to use the card at an outdoor gas pump, using the card for a hotel deposit, or applying a tip to a purchase.