PAYjr - Earn Smart, Spend Smart

FAQ's

PAYjr Visa Buxx^® Card

Using the Card Designer

Who designs the PAYjr Visa Buxx Card?
What kind of images can I use for my card design?
Can each Teen have a different card image?
What is the process for approving my image?
Is there an additional cost to use the card designer?
How does the card designer work?
How will I know if my image is accepted or not?
What kind of images may I use for my PAYjr Visa Buxx Card?
What happens if my image is not approved?
Why does my PAYjr Visa Buxx Card look different than it appears my computer screen?
How long does it take to upload an image?
Can I use a photo of a celebrity on my card? How about the logo for my favorite team?

Using the Web Site

How do I add another Child to a PAYjr program?
I forgot my username or password, what should I do?
What are the system requirements to use the service?
How do I update or change my account information?

Card Program Questions

Chore & Allowance Management System

How do I add and manage Chores?
How are Chores approved?
How can I set frequencies for Chores and Allowances?
Where does a child see what Chores are due?
What kinds of PAYjr Chore and Allowance Management System Alerts are available and where does a Parent or Child receive them?
How does a Parent clear the amount owed to a Child?
How much does the PAYjr Chore and Allowance Management System cost?
How do I sign up for the PAYjr Chore and Allowance Management System?
What is the PAYjr Chore and Allowance Management System?

PAYjr Visa Buxx^® Card

How do I cancel a pending load to my Teen's PAYjr Visa Buxx Card?
If the load is still in pending status, you can cancel it online. Just login to your account and select Payments on the Parent Home Page. You will see the option to cancel a pending transaction. You can also modify any recurring loads, such as Allowances, at any time.

Why should I choose the PAYjr Visa Buxx Card over a bank card or credit card?
The PAYjr Visa Buxx Card is the only card that provides parents the ability to control how much money is available and monitor all the card transactions. And unlike check cards, the PAYjr Visa Buxx Card protects you from overdraft fees and lost or stolen money. Combine that with our online budgeting application and immediate access to your account information, and you're on your way to developing responsible financial habits.

How do I validate my checking or savings account as a Funding Account?
When you use a checking or savings account as a Funding Account, you will need to validate your account before you can load money to the PAYjr Visa Buxx Card. To do this:

Review the activity in the checking or savings account you authorized us to debit.
Locate the two debit transactions from "PAYjr, Inc. Debit".
Return to www.payjr.com/payjr and follow the prompts to verify your Funding Account.

Validating your account helps protect your financial information and confirms that you wish to use this account to load funds to the PAYjr Visa Buxx Card.

Is identification required to use the card?
It's always a good idea to have identification, such as a school ID or driver's license, with you when you use the card. A merchant may request to see it, although it is not required to use the card. Be sure to sign your card so the merchant can verify your signature with the one on the receipt.

What is different about buying gas at the pump or paying inside the store?
When you use your PAYjr Visa Buxx Card to purchase gas, you should pay inside instead of at the pump. When you pay at the pump, the station will attempt to pre-authorize your card for the maximum amount they allow at the pump. If this is more than your available card balance then your card will be declined and the pre-authorized attempt will not be removed until the station settles their accounts at the end of the day. By paying inside, you determine the exact amount you want to apply to the card.

How do I activate the PAYjr Visa Buxx Card?
When your card arrives, you can activate it online at www.payjr.com/payjr or by phone at 1-800-409-8606. In either case you will need to provide the Parents birth date and social security number. Once you have completed the activation the card is available for use.

How do I get a PAYjr Visa Buxx Card for my Teen?
A Parent can get a PAYjr Visa Buxx Card for their Teen who is at least 13 years old. Just choose Parent Purchase a Card to get started. You'll choose the card design, set up an account profile for each of you and add a Funding Account that will be used to load money to the card. Once your account is established, you can start using the service right away. Your PAYjr Visa Buxx Card will arrive in about 10 business days.

What is a PAYjr Visa Buxx Card?
The PAYjr Visa Buxx Card is a reloadable prepaid Visa card created especially for Teens. The PAYjr Visa Buxx Card makes it easy for Parents to teach Teens how to create a budget, manage money, and shop wisely. The PAYjr Visa Buxx Card can be used everywhere that accepts Visa debit cards—that’s millions of locations worldwide. Parents enroll their Teen and can also monitor their Teen’s spending; they set the spending limits by the prepaid amount loaded on the card.

What is the difference between a prepaid card, a check card and a credit card?
The PAYjr Visa Buxx Card looks similar to a Visa credit card; both have the Visa trademark and hologram. And merchants accept it just like any other Visa debit card. But PAYjr Visa Buxx Card cardholders don’t have a credit line. The PAYjr Visa Buxx Card will only allow Teens to access the prepaid amount of money that’s on the card. And like a check card, the money is automatically deducted from the account.

What are the benefits of a PAYjr Visa Buxx Card?
The PAYjr Visa Buxx Card helps put an end to last-minute ATM trips and constant nagging for money. With online and automatic loading, combined with Parental controls like spending limits, the PAYjr Visa Buxx Card makes it easy for you to provide your Teen with spending money while teaching your Teen financial responsibility. It enables Parents to monitor spending and it’s safer than cash because The Visa Zero Liability policy* protects you and your Teen if the card is ever lost or stolen. And it gives your Teen the freedom to use it everywhere that accepts Visa debit cards. PAYjr Visa Buxx Card is perfect for school books, supplies, music, food, travel, and is great for peace of mind in case of emergencies. *The Visa Zero Liability policy covers U.S.–issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.

How is the PAYjr Visa Buxx Card safer than carrying cash?
Unlike cash, if your Teen's PAYjr Visa Buxx Card is lost or stolen, you're protected with The Visa Zero Liability policy*. Your Teen’s card will be replaced and the balance will be transferred to the new card. The Replacement Card usually arrives in five to ten business days. Call 1-800-409-8606 for any issues related to your card including reporting a lost or stolen card. *The Visa Zero Liability policy covers U.S.–issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.

How does PAYjr Visa Buxx Card help Teens with budgeting?
PAYjr Visa Buxx Card gives Teens a tool to learn the importance of budgeting wisely and planning accordingly by supplying a card account history for them to review. Teens can access the card account history feature by logging in at www.payjr.com/payjr to keep track of purchases, get a card balance, and find information and tips on financial management subjects.

Can Parents set spending limits?
Yes, Parents determine how much money gets loaded on the card, as well as when and how the card is loaded. Parents also can log in at www.payjr.com/payjr to review their Teen’s spending and can contact customer service to suspend the account at any time, for any reason. In this way, the PAYjr Visa Buxx Card offers Teens financial independence within safe, comfortable, and structured limits.

How can Parents guide their Teens to the most appropriate places to shop, especially online?
Parents can review a Teen’s card account anytime and see how much they are spending and where they are spending it. Parents can discuss with their Teens how and where the card can be used. Together, you and your Teen can agree on the best places to shop. But even more important is talking to your Teen about money and what you expect from them.

How does the PAYjr Visa Buxx Card work?
The PAYjr Visa Buxx Card is a prepaid, re-loadable spending card created especially for Teens. It can be used everywhere Visa debit cards are accepted. Because it’s a prepaid card, spending limits are set by the amount of money Parents load onto the card. When a Teen makes a purchase with the PAYjr Visa Buxx Card, the purchase amount is deducted from the card balance. When the card balance is low, Parents can add money to, or reload the card from their credit or debit card or from a checking or savings account. Parents can even schedule automatic loads to provide an Allowance on a regular basis. It’s a perfect tool for Parents and Teens to talk about budgeting, spending and financial responsibility.

Who can use the card?
Only the Teen whose name appears on the card can use the card.

How do I load money onto the card?
A Parent can load money to their Teen's PAYjr Visa Buxx Card at any time. Pay your Teen a recurring Allowance to automatically add money to the card on the day you specify or use the Chore Threshold to pay your Teen once they've earned a certain amount of Chore money. You can also manually pay your Teen for the amount earned or transfer money to the card at any time. Whatever way you choose, you can be assured your Teen will have money when they need it.

What happens if a merchant puts an item through without prior authorization?
Occasionally, a merchant does put an item through without prior authorization. If the purchase exceeds the available balance, your account will have a negative balance. In these rare circumstances, where an overdraft occurs, you can be notified to load more funds onto the card by setting up Alerts in the system online.

How do I know how much money is on the card?
There are several ways to keep track of the balance on your PAYjr Visa Buxx Card. Both the Parent and the Teen can check the card balance online at any time or by calling 1-800-409-8606 to retrieve the balance using the automated phone service. You can also set up email or mobile Alerts to be notified of the card balance.

Teens should also keep their receipts to compare them to the online statement as a way of understanding how much they are spending and where. It's a valuable budgeting exercise that teaches the value of money and increases awareness of the card balance, which is important when making a purchase.

Do merchants ever tie up more funds than your intended purchase price?
It is important to know that some merchants like restaurants and gas stations “reserve” more money than your Teen may actually plan to spend. They do this to cover variable costs like tips or a tank of gas. Within 3–7 days, the “reserve” is cancelled and the funds become available again on the PAYjr Visa Buxx Card.

What should I do if my PAYjr Visa Buxx Card is lost or stolen?
If your PAYjr Visa Buxx Card is lost or stolen, call Card Services at: 1-800-409-8606 and request the card be "suspended".
Then contact PAYjr at support@payjr.com to request a replacement card.
Please note: There is a $15.00 replacement card fee charged to the child's card to issue a replacement.

Can the PAYjr Visa Buxx Card ever be suspended?
Either a Parent or a Teen can suspend the account at any time by contacting Customer Support. The PAYjr Visa Buxx Card cannot be used again until it is reactivated by the Parent.

Will the card impact the Teen’s credit rating, if misused?
Since the PAYjr Visa Buxx Card does not offer a line of credit, it will not impact the Teen’s credit rating. However, if the card is being misused, Parents can suspend the account at any time.

Can a PAYjr Visa Buxx Card be added to a Visa card account that's already open?
Since PAYjr Visa Buxx Card is a prepaid card and not a credit card, it cannot be added to an existing Visa card account. In fact, Parents don't even need to be Visa card cardholders in order to get a PAYjr Visa Buxx Card. And they don't have to qualify for a credit card to get their Teen a PAYjr Visa Buxx Card.

Can more than one Teen be on the same PAYjr Visa Buxx Card account?
Each Teen in the family is required to have a separate card with their own unique card number. If you have more than one Teen, the PAYjr Visa Buxx Card enrollment process makes it easy for you to sign them up by adding them to your ‘family’.

What designs are available for my PAYjr Visa Buxx Card?
We offer several images you can use as your card design, or you can design your own card by uploading an image or photo. We are the only provider of this service, and we encourage you to make your PAYjr Visa Buxx Card as unique as you are.

Can a Teen sign up without a Parent?
To enroll in the PAYjr Visa Buxx Card program, a Parent must be associated with the Teen's account for the purpose of loading funds to the card. However, a Teen can pre-register by creating their card design online. We'll send an email to the Parent so they can complete the registration.

PAYjr Visa Buxx Card Dispute
To dispute a transaction or if you believe there is fraudulent activity on your card, please call 1-800-409-8606.
You will be asked to fill out a form and submit it by fax to 1-605-988-3346 or by mail to:

PO Box 5017
Sioux Falls, SD 57117-5017

How much does the PAYjr Visa Buxx Card cost?
There are fees associated with the acquisition and uses of the PAYjr Visa Buxx Card. Fees include:

An initial set-up charge, which could include a surcharge for using the card designer function
Monthly Service Charge
Domestic/International ATM Cash Withdrawal Fee
Funding Load Fee

Other monthly and transaction fees may apply, depending on the additional services requested. Details are available in the Cardholder Agreement

Does the PAYjr Visa Buxx Card support Direct Deposit?
Yes. If your employer offers direct deposit for payroll checks, you can have your check deposited directly to your PAYjr Visa Buxx Card. Just ask your employer for a direct deposit form to get started. Your 16-digit card number is your account number, and the routing number is 103101437.

Your prepaid Card Account and associated direct deposit account number cannot be used for preauthorized direct debits from merchants or from utility or Internet service providers. If presented for payment, these preauthorized direct debits will be declined and your payment to the merchant or provider will not be processed. The bank routing number and direct deposit account number are for the purpose of initiating direct deposits to your prepaid Card Account only. You are not authorized to provide this bank routing number and direct deposit account number to anyone other than your employer or payer.

What happens when my PAYjr Visa Buxx Card expires?

Upon expiration, a new PAYjr Visa Buxx Card will be sent with the same image as your most recent PAYjr Visa Buxx Card. You will not be able to submit a new image request once your PAYjr Visa Buxx Card is within 45 days of its expiration date.

Why would my card account be cancelled?
If you submit an image that is deemed offensive or if you repeatedly submit images that are unacceptable, we reserve the right to exclude you from using the service.

How do you order a PAYjr Visa Buxx Card?

Ordering a PAYjr Visa Buxx Card is simple! The Parent orders the Card via our website at www.payjr.com/payjr. The system (powered by PAYjr, Inc) will walk the Parent through the steps where he or she will be asked to provide information about themselves and their Teen. Once the information is verified and funding is confirmed, the system will send the PAYjr Visa Buxx Card to the teenager's attention at the Parent’s mailing address.

To set up the PAYjr Visa Buxx Card, Parents will need to have their Social Security Number (SSN). Additionally, the system requires that the Parent set up a Funding Account from which all loads to the Card will originate. The Funding Account can be a Checking or Savings Account or it can be a Visa^® or MasterCard^® card account.

The initial Funding Account is required to be a Visa or MasterCard credit or debit card, and only after a successful enrollment can a Parent set up a Checking or Savings Account to use as the source of loads to the PAYjr Visa Buxx Card.

Can the PAYjr Visa Buxx Card be used to withdraw cash from an ATM?
Yes. The PAYjr Visa Buxx Card can be used to withdraw cash at any participating ATM worldwide. Just choose Card Cash Advance at the ATM to withdraw money. You will be charged a fee for each ATM transaction, in addition to any fees charged by the owner of the ATM. Refer to the Cardholder Agreement for more information on fees.

When do funds load to the card?

To Transfer funds using a Credit or Debit Card, there is a $2.50 fee per transaction.

The load to your child’s card takes 1 business day but may take longer due to Holiday’s.

Transfer request must be received by 8:00 PM CT Sunday through Thursday.

If the request is received after 8:00 PM CT on Thursday, the funds will not be loaded until Monday.

To Transfer funds from your Bank Account, there is a $0.50 fee per transaction.

The load to your child’s card takes 2 business days but may take longer due to Holiday’s.

Transfer request must be received by 12:00 PM CT on Sundays and 5:00 PM CT Monday through Thursday.

If the request is received after 5:00 PM CT on Thursday, the funds will not be loaded until Tuesday.

All loads to the PAYjr cards are completed at 11:00 AM CT daily.

However, one time transfers will not load on Saturdays, Sunday’s or Holidays.

As per our Cardholder Terms, we charge a monthly service fee to the parents funding account.

If for any reason the fee cannot be charged to the parents funding account, the child’s card will be charged for the fee. If after 2 failed attempts to collect the fee from either the parent account or child’s card, the account will be cancelled without notice.

The account must be cancelled to stop the fee from charging, even if the PAYjr card has a zero balance.

How do I Cancel my PAYjr Account?

You can cancel your child's service from the "Manage Family" section of the website.

Log in to the parent's account
Select "Manage Family" from the left side of the screen
Click on "Cancel Service" next to the child account(s) you wish to cancel

IMPORTANT NOTE:

We encourage you to spend the full available balance on the card by the end of the current calendar month.
Once you cancel service, the parents account will no longer be charged.
The monthly service fee will be charged to the child’s card until the balance reaches zero. Once the balance reaches zero, the card will be deactivated and can no longer be used or reactivated.
If you do not cancel the service and we are unable to collect the monthly service fee from your account, the fee will be debited from the child’s PAYjr card.
The account must be cancelled to stop the monthly fee from charging to the parents account, even if the PAYjr card has a zero balance.

When is the initial load added to the card?
To protect your purchase, we do not add the money to the card(s) until four days after the card(s) is created. In some cases, this means you may receive the card(s) before the money is available. There is no action necessary by you if this occurs, just wait until four days have passed and the money will be added to the cards by 11:00 AM CT on the first business day following the card creation date.

Using the Card Designer

Who designs the PAYjr Visa Buxx Card?
Either the Parent or the Teen can use the card designer to design their PAYjr Visa Buxx Card. If the Teen designs the card first, we will email a link for the Parent to complete the registration. Or, the Parent can design the card and register for the program at the same time. Whatever way you choose, you're sure to have a one-of-a-kind card.

What kind of images can I use for my card design?
For best results, you should use a high quality image - the better your image, the better your final card will look. Picture files can be in either JPEG (.jpg), PNG, GIF, Bitmap (.bmp) or TIFF formats Your image should be at least 1280x960 pixels and no more than 10 MB in size.

Can each Teen have a different card image?
Sure. If you have more than one Teen on your account, they may each use the same image or different ones for their PAYjr Visa Buxx Card.

What is the process for approving my image?
We review each design submitted to ensure it adheres to our Design Guidelines. While we approve most designs, we will not accept any image that does not meet these guidelines which follow the Visa Issuing Guidelines. By submitting an image, you guarantee that you own or have usage rights to the image and it is permissible to alter, copy, print and distribute the image on the PAYjr Visa Buxx Card. You agree to indemnify and hold harmless PAYjr, The Bancorp Bank or its affiliates from all claims arising from the use of the image on the PAYjr Visa Buxx Card.

Is there an additional cost to use the card designer?
If applicable, any fee for creating your card design will be communicated as a part of sign up. The fee is charged to the Parent's Funding Account upon creating your card account.

How does the card designer work?
The card designer lets you upload your own photo or image to be printed on your PAYjr Visa Buxx Card. You can rotate, zoom and even flip your image so it's exactly as you'd like it on the card. It's easy and fun!

How will I know if my image is accepted or not?
We will send you an email within 3 business days letting you know if your image was approved or not.

What kind of images may I use for my PAYjr Visa Buxx Card?

You may only use personal photos or images that belong to you, as long as they do not contain any of the following prohibited content:

Company names, trademarks, logos, slogans, works of art, copyrighted materials or brands of any third party and their likeness.
Celebrities, actors, cartoons or computer games figures.
Advertising or promotional materials or branded products.
Phone numbers, addresses, URL addresses, account or PIN numbers.
Violent, bloody, indecent, nudity or semi-nudity, obscene, maltreatment or content not acceptable for persons under 18 years old.
Culturally or socially insensitive texts or images, or those show alcohol, tobacco, gambling, firearms or other anti-social behaviors.
Texts or images that display the views, opinions or beliefs of political groups or religions.
Libelous or derogatory or defamatory content.
Discriminative content.
Provocative content.
Numbers, texts or images that might induce misunderstanding.
Instigate anti-government, overthrow government, or content which is in violation of any rules, regulations or laws.
Texts or images that might result in card acceptance confusion by merchants.
Other texts or images that are deemed not suitable for any reason for use as a PAYjr Visa Buxx Card face by PAYjr.

Please note: We reserve the right to reject any submitted images that we feel conflicts with our Image Guidelines which follows the Visa Issuing Guidelines.

What happens if my image is not approved?
You will receive an email within three business days if your image was not approved. Please submit a new image that meets our Design Guidelines so that you can order your PAYjr Visa Buxx Card.

Why does my PAYjr Visa Buxx Card look different than it appears my computer screen?
We used the most advanced color-printing technology available to create your card, so we're confident you will be pleased with the quality. Sometimes, however, differences in your monitor and our printer result in subtle variations that are unavoidable.

How long does it take to upload an image?
The upload time depends on the size of your image and the speed of your Internet connection.

Can I use a photo of a celebrity on my card? How about the logo for my favorite team?
Unfortunately, we cannot accept images that are trademarked, protected by copyright laws or are the property of someone other than you. We encourage you to make your design unique, using something you created or photographed.

Using the Web Site

How do I add another Child to a PAYjr program?
Once you enroll one Child in a PAYjr program, you can add up to four more children to the program of your choice. Just login to your account and choose Manage Family then Add a Child.

I forgot my username or password, what should I do?
If you don't remember your username, it's easy to retrieve. Enter what you think the name is and select Log On, then choose Forgot Password. You'll be asked for your email address and the answer to your secret question. Correctly answer and we'll give you your username and send you a new password by email. Follow the same process in the event you forget your account password.

What are the system requirements to use the service?
Our site is accessible on most Internet browsers. For the best experience, we recommend using:

Internet Explorer 6.0 or greater or Firefox 2.0 or greater
Windows 2000, XP or Vista or Mac OS

How do I update or change my account information?
You can update your email address, password and other account information any time. Just login to your account and choose My Settings.

Card Program Questions

Is the PAYjr Visa Buxx Card a credit card?
No. The PAYjr Visa Buxx Card is actually a prepaid card. While a prepaid card looks similar to a credit card, you do not have a line of credit and can only use the PAYjr Visa Buxx Card to access funds loaded onto the card by Parents. However, to a merchant the PAYjr Visa Buxx Card functions in many ways like any other spending card. Merchants process spending card authorizations and PAYjr Visa Buxx Card authorizations in the same manner.

Is the PAYjr Visa Buxx Card a debit card?
The PAYjr Visa Buxx Card is similar to a debit card in that the spending power is limited by the amount of funds loaded onto the card, and the available balance is debited with each transaction. However, unlike a check or debit card, the PAYjr Visa Buxx Card does not access a traditional bank account or require the Cardholder to set up a banking relationship.

What are the differences between what the Parents can do and what the Teen can do?
Parents are the only ones who can add money to the card directly from their bank account. Additionally only Parents can order a new card or reactivate a card account. The Teen’s name is embossed on the card. Separately a Teen can choose to set up a Direct Deposit from their employer.

Both the Parent and the Teenager will have access to the transaction detail online, and can access the available Alerts and other functions on the site. The Parent, being the only user with access to the Load process, will be the only user with direct access to the details about the load process and the funding account details.

How many cards can I order?
You may order one card for each Teen for whom you have legal guardianship. The card will be mailed to your credit card billing address with the initial load amount already on the card.

To get a PAYjr Visa Buxx Card for another Teen, login to your account and select Manage Family then Add a Child. If the Child is already enrolled in a PAYjr program, you can upgrade them by selecting Manage Family then Get a Card.

Is it possible to spend more than is on the card?
No. You only have access to funds on your PAYjr Visa Buxx Card. However, if the Teen knows the available balance before making a purchase, then the Teen or their Parent can request to pay the remaining balance of the purchase with cash, check, or a credit or check card. Parents and Teens can find out the available balance by logging into the PAYjr Chore and Allowance Management System website or using a mobile phone.

PAYjr Visa Buxx Card and can only be used to make purchases up to the available balance on the card. Most merchants send a pre-authorization for the amount of the transaction to ensure that the funds needed to cover the transaction are available within the card account. If a Teenager makes a purchase for an amount that is higher than the available balance in the card account, the transaction is declined. However, some businesses, such as gas stations, send a pre-authorization for a different amount than the actual charge only to ensure the account is active. If your Teenager only has enough funds in her card account for the pre-authorized amount, the transaction will not be declined and an overdraft may occur once the final amount of the transaction is deducted from the Teen's PAYjr Visa Buxx Card.

For example, if the Teenager purchases gasoline, a pre-authorization for $1 can sometimes be sent to ensure the account is open. The actual amount to be charged to the Teen's PAYjr Visa Buxx Card is not determined until the Teenager has finished pumping the gasoline. If the Teenager's card account does not have enough funds to pay for the completed purchase, even if the transaction was pre-authorized, an overdraft can occur. PAYjr recommends that Parents instruct their Teens to pay inside at gas stations to avoid these overdraft scenarios.

An overdraft may also occur due to the posting of a fee for a transaction performed at an ATM, such as balance inquiry or cash withdrawal, or the posting of an Account Service Fee, such as a customer service call. If a Teenager's PAYjr Visa Buxx Card account is overdrawn, an Overdraft Fee may be assessed. For fee amounts, refer to the Cardholder Agreement.

What types of Funding Accounts can be used to load a PAYjr Visa Buxx Card?
To sign up for the PAYjr Visa Buxx Card program, you will need to provide a Visa^® card or MasterCard^® card as the initial Funding Account. This is the account we will use to load the initial amount of money to the PAYjr Visa Buxx Card. You can add additional Funding Accounts at any time, including a checking or savings account.

When you transfer money from a credit card, the card will be loaded the next business day. Loads from a checking or savings account take approximately three business days to post. All transfers must be requested prior to 5:00 p.m. CST to be processed on that day.

What is a Chore Threshold and how does it work for the PAYjr Visa Buxx Card program?
The Chore Threshold applies only to Teens with the PAYjr Visa Buxx Card. The PAYjr Chore and Allowance Management System will keep track of the amount earned by the Teen for each completed Chore. Once the amount of all completed Chores equals or exceeds the Chore Threshold the system will initiate a transfer from the Parent's Funding Account to the Teen’s card.

The minimum Chore Threshold is $10 and the maximum is $2,500 for the PAYjr Visa Buxx Card program. By default the Chore Threshold is set at $10. It is not required that a Parent use Chores in order to pay their Teen However, if Chores are used then a Chore Threshold must be set.

How are funds transferred from the Parent's Funding Account to the Teen’s card?
We automatically load money to your Teen's PAYjr Visa Buxx Card based on the amounts and times you decide. If you have a recurring allowance scheduled for your Teen, we will initiate the funds transfer in advance of the allowance day to ensure the funds are loaded at the scheduled time. If you use the Chore Threshold, we will initiate the transfer when the amount owed to the Teen reaches the threshold amount.

You can also load funds to your Teen's PAYjr Visa Buxx Card as needed by using the Transfer Money feature or Pay Now. For each type of load, we will process the load amount plus any applicable load fees to your Funding Account.

Whose name appears on the card?
Your Teen's name will be embossed on the front of the card.

Am I able to see where my Teen is using the card?
We encourage Parents to regularly review the transactions on their Teen's PAYjr Visa Buxx Card. You can login at anytime to view this information online, or set up email or mobile Alerts to be notified of the card activity that is important to you.

When will I be charged the Account Setup Fee and initial Card Fee?
These fees are charged at the time of enrollment and are included with the initial Card funding amount. For example, if a Parent funds the PAYjr Visa Buxx Card with $10.00 and the Card Account Setup Fee is $4.95, then the Parent will have a total charge of $14.95 on their funding account.

What are the PAYjr Visa Buxx Card E-Consent Terms?
Each Parent must have a valid email address to participate in the PAYjr Visa Buxx Card program. The PAYjr Visa Buxx Card program uses email to provide the status of a Teen’s card account.

Federal law requires that the Parent consent to receive information about the PAYjr Visa Buxx Card account via email. As part of the sign up process, the Parent must review and accept the E-Consent Terms before we can complete an enrollment in the PAYjr Visa Buxx Card program.

How long does it take to get my PAYjr Visa Buxx Card?
You should receive your PAYjr Visa Buxx Card within 10 business days with the initial load amount already on the card. If you created your own card design, please allow two additional business days for the design to be approved.

How do I create or change my PAYjr Visa Buxx Card Personal Identification Number (PIN)?
When you activate your card by phone, you will be prompted to create a PIN. You will need to have the pass code that was included with your card to do this.

To change your PIN or to create one if you did not do so during card activation, call 1-800-409-8606. You will need the pass code that was included with your card.

How do I dispute a charge on my PAYjr Visa Buxx Card?
To dispute a charge on your PAYjr Visa Buxx Card or to report the card as lost or stolen, call 1-800-409-8606.

What is Address Verification?
Address Verification is one method used to verify that the person using the card is the actual cardholder. It is commonly used at gas stations. It is important for the Teen to know the zip code of the mailing address for the card; otherwise their transaction could be declined.

How do I upgrade my Child from the PAYjr Chore and Allowance Management System to the PAYjr Visa Buxx Card?
Once a Child is set up for the PAYjr Chore and Allowance Management System, the Parent can change the program by using the options available in Manage Family. The Parent’s Children will all be listed with any eligible programs available should the Parent want to make a change.

What kinds of PAYjr Visa Buxx Card Alerts are available and where does a Parent or Child receive them?
The PAYjr Visa Buxx Card provides Alerts for all events that are tracked by the system. A Parent can set up the system to inform them when the card balance is too low, when certain transactions have taken place or when there are large purchases. The Teen can also set up balance alerts and monitor activity on the card. The “Alert Center” (found on the far right navigation) is where a Parent and Teen will be able to set up notifications available in the service. The Alerts can be configurable (on or off) and also set up to go to a specific email or SMS (mobile phone). The emails are set up in the profile section of the site.

When my Teen completes their Chores, when will the money be added to the PAYjr Visa Buxx Card?
The PAYjr Visa Buxx Card program allows Parents to set up a Chore Threshold that sets a dollar value to trigger a transfer of funds. The value set up for each Chore accumulates as the Chores are completed. Once that amount reaches the Chore Threshold, the transfer is initiated. The funds will be available on the PAYjr Visa Buxx Card within two business days if transferred from a checking or savings account or the next business day if transferred from a credit card account.

How do I add an Allowance?
To add an allowance:

Login to your account at www.payjr.com
From the parents home page, click on “Manage Allowances”
Then click on the “Add an Allowance” from the right hand side
Follow the steps on the screen to set up the allowance

How do I inititate a onetime transfer?
To initiate a onetime transfer:

Login to your account at www.payjr.com
From the parents home page, click on Transfer Money
Select the “child’s name” from the left hand side
The next screen will allow you to key the amount you want to transfer
Follow the steps on the screen to set up the onetime transfer

How do I setup a new funding account?
Setting up a new funding account:

Login to your account at www.payjr.com
Login as the parent and go to the “Parent Home”
From the left hand side Select “My Settings”
Select “Funding Account Settings”
Follow the steps on the screen to set up the new account

Chore & Allowance Management System

How do I add and manage Chores?
The PAYjr Chore & Allowance Management System allows a Parent to set up Chores though the online application. Choose from our list of popular Chores, or add your own. You decide when each Chore should be completed and how much you'll pay your Child. Each time you log in, you'll see the list of Chores ready to approve and can approve or not approve the Chore as complete.

How are Chores approved?
When the Child uses the PAYjr Chore and Allowance Management System, they just login and mark their Chores as complete or skipped. A Parent can also do this task for their Child. Now when the Parent logs in, they will see the Chores that are complete. If the Chore was setup with the option of Review Before Paying, then the Parent can now review the Chore and Approve, Decline or Don't Pay. If the Chore was setup without the review option, the amount of the Chore will be automatically added to the amount due to the Child.

As Chores are completed or as Allowances come due, the dollar amount for each are added to the total owed. To clear or reset the amount owed to zero, just choose Pay Now.

How can I set frequencies for Chores and Allowances?
The system supports multiple frequencies for the Chores and Allowances set up in the system. Any Chore or Allowance can be set up on a weekly, monthly or a one-time basis.

For the weekly frequency, the Parent can choose multiple days of the week, and can choose to have the Chores due each and every week, or alternating weeks.

For the monthly frequency, the day of the month (calendar date) or a consistent day of the month (i.e. second week, Sundays), and then the Parent can choose to have every month repeat the Chore/Allowances or can alternate months.

One time Chores/Allowances are set up to happen on a particular calendar date in the future.

Where does a child see what Chores are due?
When the Child logs in to the Chore & Allowance Management System, they will see the current Chore list and any money owed to them. Chores are organized by when they are due.

What kinds of PAYjr Chore and Allowance Management System Alerts are available and where does a Parent or Child receive them?
The PAYjr Chore and Allowance Management System provides Alerts for all events that are tracked by the system. A Parent can set up the system to inform when Chores are completed or when a review is needed. The “Alert Center” (found on the far right navigation) is where a Parent will be able to set up notifications available in the service. The Alerts can be configurable (on or off) and also set up to go to a specific email or SMS (mobile phone). The emails are set up in the profile section of the site.

How does a Parent clear the amount owed to a Child?
As Chores are completed or as Allowances come due, the amount owed is added to the running total for the Child. To clear the amount owed and reset it to $0.00, just login, go to the Child's page and choose PAY next to the Amount Owed.

How much does the PAYjr Chore and Allowance Management System cost?
There is no cost to Children or Parents for using the PAYjr Chore and Allowance Management System. The Service is free to utilize and the education tools are also free of charge.

How do I sign up for the PAYjr Chore and Allowance Management System?
Just choose Sign Up Now on the home page to get started. You'll set up an account for you and your Child, then you can both start using the service.

What is the PAYjr Chore and Allowance Management System?
The PAYjr Chore and Allowance Management System is a financial education tool that tracks chores and allowances in a simple, online application. You assign chores to your Child and we’ll keep track when they’re due and how much money you owe. It’s free, easy to use and teaches your Child the value of hard work.

*The Visa Zero Liability policy covers U.S.–issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.

Copyright © 2005-2007 PAYjr Inc. Site Terms of Use | Visa Buxx Cardholder Agreement & Bancorp Privacy Policy | Privacy Policy
The PAYjr Visa Buxx^® Card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc. The Bancorp Bank; Member FDIC.

Obtaining Your Card: The USA PATRIOT Act is a federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to reasonably identify you. We may also ask to see your driver's license or other identifying documents.

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