Frequently Asked Questions
How do I contact Gift Card Store?
Our email address is email@example.com
Alternatively, you can write to:
Corporate Prepaid Cards
PO Box 177
Balmain NSW 2041
Gift Card Purchases
Can I order Gift Card Store gift cards from overseas?
Gift Card Store can accept orders from customers residing in the US, England and New Zealand however the delivery address must be within Australia.
Do prices on your site include GST?
All prices are in Australian dollars and include GST where applicable.
How can I pay for my purchases?
Please pay by Mastercard, Amex or Visa in Australian dollars only.
There is a small Credit Card Processing Fee on all of these cards to cover the costs of credit card acceptance and fraud coverage.
On processing your order, we must authorise the full amount of the payment, including freight. Before despatching your order, we will charge your credit card for the authorised amount.
When will my purchase arrive?
For all Physical (plastic) cards, there is a 3-business day production time for card production and gift value loading. All cards are normally despatched within 3 business days from order placement. Australia Post delivery times apply where postage has been selected. Courier deliveries are quicker but will depend on the destination of your card.
If, in the one purchase, you have ordered different types of cards, these may arrive in separate envelopes and perhaps on different days.
Virtual Mastercard Gift Cards are usually sent to your gift card recipient the same day for orders received before 1pm.
For all card types, you will receive a notification to advise your card is on it’s way to your recipient.
What are Prepaid Mastercard and Visa Gift Cards?
These are prepaid single-load cards that can be used at any store where Mastercard and/or Visa is accepted and can be processed electronically. Ideal as a gift, a plastic Prepaid Gift Card can be spent online or at 37 million stores anywhere in the world. A Virtual (email delivered) Prepaid Gift Card can be spent anywhere online that accepts Prepaid Mastercards.
How are Prepaid Gift Cards activated?
Your Prepaid Gift Card must be activated within 3 months of receiving it or the card may be cancelled. Please visit www.universalgiftcard.com.au and enter the 16 digit card number, your 4-digit code which is enclosed in the letter you received with your card and the 3-digit CVV on the back of the card.
Where can Prepaid Mastercard and Visa Gift Cards be used?
Physical (plastic) Gift Cards can be used in any store in Australia or overseas where Mastercard or Visa prepaid cards are accepted, provided the merchant can process it electronically. They can be used for full or part payment for goods and services. Any number of purchases can be made with the card until the balance has dropped to zero. If the purchase amount exceeds the balance, the user must pay the excess using another payment method. No change will be given. It cannot be used for purchases by mail or telephone.
Virtual Prepaid Mastercard cards can be used for shopping online. They cannot be used for face to face transactions at merchants, financial institutions or ATMs.
Why might a proposed transaction using a Prepaid Card be declined?
There are several possibilities:
• the amount of the purchase exceeds the available balance
• the card has expired
• the card has been reported lost or stolen or has been suspended
• a previous voided or interrupted transaction may have been authorised and the reserved funds have not yet been released
• the signature panel on the back of the card has not been signed
• the signature on the purchase receipt does not match the signature on the back of the card
• the merchant does not accept any Visa or Mastercard prepaid cards
Are Prepaid Cards accepted at all stores?
Prepaid Gift Cards are accepted at 500,000 stores in Australia and 37 million stores overseas where Visa or Mastercard prepaid is accepted. However, a small number of merchants, even though they display the Visa and/or Mastercard logos, do not accept any prepaid / gift cards.
From time to time, for security purpose, cards may be blocked from use from at certain stores or specific international markets.
Can the card be used to get cash from an ATM?
No. Sorry. The card does not have a PIN, so it cannot be used at an ATM.
Can Prepaid Gift Cards be reloaded with more spending power?
If a merchant asks “Credit or Cheque or Savings?” what is the correct response?
Credit. Even though a prepaid card is not a credit card, we use credit card settlement processes. The card does not have a PIN. You will need to sign the docket to complete your purchase.
Do Prepaid Gift Cards have an expiry date?
Yes. All cards have a 3-year expiry.
Are there any fees for using the card or checking its balance or transactions?
There are no fees for using the card. The entire balance on the card is for the cardholder’s use.
Visiting the web site www.universalgiftcard.com.au is free to check the card balance or transactions or for any other purpose.
How can the cardholder check the balance or value left on the card?
The cardholder can check the card’s available balance or view their transactions with the card at any time by visiting www.universalgiftcard.com.au. Merchants cannot do a balance enquiry through their point-of-sale system. Checking the card balance or transaction record online is free.
What if my Prepaid Gift Card is lost or stolen?
If you have lost the card and think you will find it again you may take the precaution of suspending it by visiting www.universalgiftcard.com.au. Remember to unsuspend it after you find it.
If the balance on the card exceeds $15 at the time you report its loss, you may order a replacement card which will be loaded with the balance of the lost/stolen/damaged card at the time its loss was reported, less an administration fee of $15.
What about security?
Like all payment cards, prepaid cards should be safeguarded, treated like cash. However Prepaid Mastercard and Visa Gift Cards are more secure than cash because the cardholder’s signature is required for a purchase. Additionally, if your card is lost or stolen, you can report its loss so it can be disabled and replaced, unlike many store cards.
How do I dispute a transaction?
Can I cancel a card?
Cards cannot be cancelled, used for cash advances, cannot be redeemed for cash and you cannot return the card for a refund.
What is a Virtual Prepaid Mastercard?
A prepaid Mastercard that is delivered via email and can be spent online anywhere Mastercard is accepted.
What happens if I provide an incorrect email address for delivery of a Virtual Mastercard?
If you provide an incorrect email address for delivery of your Virtual Mastercard, the card will be cancelled. You will be refunded the card value less a $6.50 card cancellation fee. The fees you were charged with your card purchase are not refundable as card creation and other costs have been incurred at the time you placed your order.
What if my purchase exceeds the card’s value?
A Virtual Mastercard can only be used for shopping online where Mastercard is accepted. If your online retailer accepts split transactions, you can use your Virtual Mastercard and other chosen payment method for your purchase. Unfortunately, most online merchants do not accept split payments.
What happens if I need to return an item to the merchant?
Each merchant has its own policy about accepting returned items. If a merchant does accept the return of goods purchased with a Virtual Prepaid Mastercard, then the merchant can process a negative transaction so the spending power of the card is restored. However such credits are not immediate – please check your transaction history on www.universalgiftcard.com.au