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How to load a Visa card

If you own a Visa debit card, prepaid card, or gift card, you have several options to top up the card for use at any retailer and business that accepts Visa. For most of its products, Visa partners with retailers, banks or other financial institutions to provide cards, rather than selling them directly to consumers. To top up your Visa card, you go through the card issuer.

How to Load a Visa Card
How to Load a Visa Card

Publisher’s website

Step 1

Set up an account with your card issuer. Most publishers require you to have an online account with them before you can top up your card.

Step 2

Link your checking or savings account to the card through your online account. Depending on the type of card, you can only link certain bank accounts to use to reload your card. For example, a Commercial Bank’s my spending card allows you to add money to a prepaid Visa card from a bank account, but it must be a check or a Commercial Bank savings account.

Step 3

Call the customer service department of the card issuer or go to a local branch. Some issuers allow you to top up over the phone or at one of their branches.

Visa ReadyLink

Step 1

Use the ReadyLink website to search for the nearest ReadyLink retail location. If your Visa card has the ReadyLink icon, you can reload it at one of these participating locations. You can also buy a Visa prepaid card at most of these locations.

Step 2

Give the ReadyLink cashier your card and cash to go into the card. She swipes your card and adds money to it. Some locations have self-service kiosks where you swipe cards and recharge by following the kiosk’s prompts.

Step 3

Fill out the Blue Form if you’re using ReadyLink at the MoneyGram location. Or, use a MoneyGram phone to top up the card.

Send money directly

Step 1

Get a Visa prepaid card from your employer. For example, some employers issue employees a Visa Pay Card and then deposit the employee’s salary on the card each paycheck. Employees also have the option to top up their money on the card using ReadyLink.

Step 2

Give your employer a direct prepaid deposit form if your employer doesn’t provide their own prepaid card. Other Visa cards, including ion visa prepaid cards, allow you to set up direct deposits. The Ion Card provides a form on its website that you can provide to your employer to set up deposits directly for you.

Step 3

Decide how much salary you want to send directly. For example, the Ion card allows you to choose to send an entire paycheck, a certain percentage, or a certain amount.

Tip

Each issuer sets a limit on how much you can top up on a particular card. Some cards also stipulate the minimum top-up level for obtaining the card. Certain retailers set reload fees and daily and weekly reload limits.
The things you need
Visa Prepaid Card
Cash, debit or credit card
Personal identification

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