PerfectMoney Bank Cards: Convenient and Secure Online Payments

1. Introduction

Perfect Money Bank Cards are convenient because the funds you hold in your Perfect Money account can be accessed through the card. Each time you need to complete an online purchase, you don’t need to worry about converting Bitcoin to fiat. You can use your Perfect Money Bank Card for any online or in-person purchases, as well as use the card to withdraw cash from the ATM. The process of obtaining a Perfect Money Bank Card is relatively fast and easy compared to a traditional bank’s Visa card. Also, you don’t have to worry about your personal information being aired in public whenever you pay for using the card. The benefits of a Perfect Money Bank Card are endless and the first step to spending fewer funds and making your life better is obtaining one. I will take you through what Perfect Money Bank Cards are, the benefits and how to get one. First, let us touch and discover what PerfectMoney Bank Cards are and what they do as a start in the next subtopic.

1.1 What are PerfectMoney Bank Cards?

To understand what PerfectMoney bank cards are, it helps if you first know a little bit about PerfectMoney itself. PerfectMoney is a financial service which allows users to transfer payments through the internet securely with the help of the Instant Payment Notification system. It has been around for several years now, coming into existence in 2007. PerfectMoney is founded in Zurich, Switzerland and is not limited to the use of physical money. There are a wide range of payment methods made available to its users and bank cards are just one of them. With a PerfectMoney account, users have the ability to make online payments to other digital currency systems that are available. This means that users can make and accept payments from millions of users located not only in the UK, but across the world. This can only serve as an advantage to businesses out there that are looking to grow. It must be news to many internet users that bank cards can actually be used as an alternative to the physical bank itself. With a PerfectMoney bank card, users have the option to upload, withdraw and transfer funds to and from any currency that is available on their cards. These operations are not limited to the use of just one bank card; multiple cards can be used and managed through the Personalisation section in your PerfectMoney account. Many businesses at this age are now making use of digital bank cards for their funding and banking operations and it is no exception with PerfectMoney digital property. By having a PerfectMoney bank card, those businesses can benefit from not just making payments and accepting transactions online but also having the ability to withdraw and deposit funds from multiple access points including cash machines and banks located all over the world.

1.2 Benefits of PerfectMoney Bank Cards

Other than the fact that the use of Perfect Money gives convenience to account holders, there are an array of benefits that are accompanied with the use of Perfect Money bank cards. Firstly, it is important to note that getting a Perfect Money bank card is free of charge. While in the first section we highlighted some of the procedures that an individual is expected to follow to obtain a bank card, it should be noted that the account holder does not pay anything. The issuance as well as the activation of the Perfect Money bank card is done at no cost at all. This is important as it gives the card holder an opportunity to save as much money as possible. In addition to that, an account holder has an opportunity to have more than one card. This is an important benefit to those people who manage businesses in which they keep different finances. With the use of Perfect Money bank cards therefore, it means that a person will not have to operate on one card. The transfer of funds from different accounts is made possible and this makes it even much easier to manage and control the movement of finances within and without the business organization. The security that comes with the use of Perfect Money bank cards is another amazing benefit. Just like other types of bank cards, an account holder is assured of maximum security as long as he or she is using the Perfect Money bank card. This is important as it gives the account holder peace of mind because the worries of losing money through online fraud are reduced. Every transaction that is made through the use of the Perfect Money bank card is followed by a confirmation through a text that is sent to the account holder’s mobile phone. Such high level of security cannot allow any form of unauthorized access or even fraudulent transactions to take place.

1.3 How to Get a PerfectMoney Bank Card

In order to get a PerfectMoney bank card, you should first sign up for their services – a process which is easy and only takes a few steps. First, you visit the PerfectMoney website and click on “sign up”. You will then be required to fill in your information to open the account, like your name, email address, and your location. You will also need to choose a password. After filling in your information, read the terms and conditions and if you are okay with them, select the option to agree to the terms and conditions. This will then enable you to submit your application, and you can wait to receive a confirmation email in the email address you had filled in. Take the case of the most popular type of the PerfectMoney bank card – the platinum card. To sign up for this type of card, you must prove the address indicated in the application form. You can do this by providing a scanned document showing your address, such as a utility bill, a bank statement, a rental agreement, or an official letter addressed to you. So once you have chosen your account, navigating through the various services and finding the one to sign up for the specific bank card you want should be easy. The next step will be to order the card that you have selected – be it the popular platinum card, the classic card, or a different kind of the PerfectMoney bank card. To apply for the card, you simply fill in a form provided and submit it. You should, however, understand that the terms and conditions of the kind of card you are applying for will vary, and so will the waiting period. After submitting the application, you will be notified of the status of the card at every stage – when the request has been received, once it has been accepted, and if there are any problems as the request is being processed. PerfectMoney will send the card via regular mail once the request has been accepted.

2. Using PerfectMoney Bank Cards

Upon obtaining the PerfectMoney bank card, the cardholder can visit the PerfectMoney website to fund the bank card account by transferring funds directly from a PerfectMoney e-voucher account. PerfectMoney bank card holders can now make online payments for goods and services on any website. To make a payment, the client selects PerfectMoney as the payment method and then enters the payment amount. The client is automatically redirected to the PerfectMoney website where he is required to enter the bank card number, the expiry date, and a special code that is generated from the signature panel of the bank card. After successful tendering of the payment, the bank card account is debited for the payment amount, the payment amount is credited to the merchant account, and a digital receipt for the payment is generated and the client can print it out if he wishes. This bank card meets all the criteria for both the MasterCard standard and the Verified by Visa standard. The cardholder has to select PerfectMoney as the payment method. The client is redirected to the PerfectMoney website where he is supposed to enter various pieces of information before the payment can be effected such as the bank card number, expiry date, and a unique code that is generated from the signature panel of the card. After the client has successfully tendered a payment, he can print out a receipt to provide evidence of successful payment and the merchant will process the payment and then the goods can be dispatched. This bank card meets the requirements for both MasterCard SecureCode and Verified by Visa, etc. This new payment option allows a very high level of security by providing a unique security code for each and every online transaction. Digital security is maintained since the cardholder’s private information is not displayed or stored on the merchant’s website.

2.1 Making Online Payments

When you are making payments for products or services online, you are working within a digital ecosystem, and your transactions are part of that online environment. Making payments with PerfectMoney bank cards is a straightforward process. All you need is to select the appropriate payment option when checking out, input your card details and the amount you want to pay, and finally click and confirm. However, it is important that you always pay attention to the URL in the address bar and the “PADLOCK” (if using Internet Explorer) in the bottom right-hand side of the browser before entering any personal or financial information. This is part of the Secure Socket Layer (SSL) technology, which establishes an encrypted link between a web server and a browser. This link ensures that all data passed between the web server and browsers remain private and integral. SSL is an industry standard and is used by millions of websites in the protection of online transactions with customers’ confidential information. Furthermore, when using PerfectMoney, after inputting your card details and the amount you want to pay, you will also need to provide your personal identification number (PIN) and confirm the payment by selecting the green key. This extra step is designed to ensure the security of online transactions made with PerfectMoney at all times. Please be aware of the following extracts when making regular payments with PerfectMoney. First, you should look out for any changes to the payment amount and regularly check your statements to ensure that you have not been a victim of fraud. Moreover, you have a maximum number of payment attempts for a single transaction (four times), after which your number of attempts will be reset after 24 hours. This is a further attempt to provide enhanced security to your online payments but equally make sure that you contact the PerfectMoney Support Team if you are encountering any issues with your payments. Well, since you have already chosen the convenient way to manage and pay, tens of thousands of e-shops and services are ready to accept your payments. By possessing and using PerfectMoney bank cards, you are working within a digital ecosystem and making yourself further compatible with the latest technology and security for making your payments for each last service you are buying or payment you are making!

2.2 Security Measures for Online Transactions

Security is a paramount concern for both financial institutions and customers engaging in any online financial transaction. In the case of the PerfectMoney bank card, the system benefits from the trusted security measures associated with the VISA brand. All transactions are protected by VISA’s many layers of security, including the advanced security features associated with the secure VISA online payment system – Verified by VISA. In addition to protections offered by the VISA network, PerfectMoney card users benefit from the additional security feature of a unique CVV2 code associated with each card. As a result, the PerfectMoney card with VISA brand combines the global reach of the VISA network with the gold standard of security that consumers have come to associate with the VISA brand in a traditional, online environment. Contemporary security measures, such as Verified by VISA, take advantage of the latest technology in internet security and provide a dynamic level of protection against fraud in online payment systems. When a VISA card, such as the PerfectMoney card, is used to make a payment online, Verified by VISA can perform a real-time risk assessment by electronically examining a range of relevant risk factors. This includes the buyer’s previous purchasing patterns and card usage as well as the general level of risk associated with the merchant at which the transaction is being directed. If it does identify a significantly elevated level of risk, Verified by VISA can act to provide further verification of the buyer’s identity through the use of an authenticated online form, completed in real time, which automatically checks the information being entered, such as the secure password associated with the card.

2.3 Compatibility with Online Merchants

Some online payment systems are defined by the merchants that have adopted them. For example, PayPal merchants use the PayPal platform to process credit and debit card transactions. The fact that my PerfectMoney bank card can be used to pay at all online merchants that accept Mastercard means that the array of places where I can use the card in comparison to the range of places that I can pay using PayPal is far greater. I am not tied to using any particular merchant that only accepts certain payment systems – PerfectMoney and any other platforms that use the Mastercard logo will accept my payment straight away. This makes my day to day purchases online far more efficient in that if I suddenly need to make a payment from my card, I can be confident in the knowledge that the payment will be accepted. Also, real-time payments can easily be made and there are no worries or concerns that the payment will be rejected at the later stage of the transaction, either by PerfectMoney or the merchant. Transaction times can be reduced in comparison to other payment methods that may require extra payment confirmations such as direct banking payments, for example. Lastly, as PerfectMoney and other Mastercard platforms are adopting new sign-up bonuses, rewards, and promotions, using such a card can give the benefit of additional discounts – something that is not available through some other payment systems. All these points are very persuasive when it comes to choosing between PerfectMoney and another method. My research and this close look at the benefits and flexibility of using a PerfectMoney bank card have convinced me that PerfectMoney really is a great platform to be a part of.

3. Managing PerfectMoney Bank Cards

There are few online payment methods which provide the users with the benefit of managing their bank cards, and PerfectMoney is one of these platforms. Managing a Perfect Money bank card is a very simple process. However, before someone can start to manage their Perfect Money bank card, they need to have an active Perfect Money account. Firstly, the Perfect Money account has to be verified by providing the company behind this with a proof of identification and a proof of address. Only then can the card activation procedures and the procedures for viewing and managing the Perfect Money bank card can start. Activating the card and viewing the available funds and transaction history is very simple. All that is required is for the PIN of the card to be added to the Perfect Money account. Once that has been done, managing the Perfect Money bank card takes place in the user’s Perfect Money account. On the main menu, the option “Perfect Money e-voucher deposit” has to be selected and then, on the presented windows, the option “Card” should be chosen. By clicking on the option “Manage Cards”, all the details of the card will be displayed. The balance of the Perfect Money bank card can be checked by choosing the option “View Card Statement” from the side menu on the left hand side of the screen. Alternatively, there is also the option “Add, Remove or Change PIN” if the user wants to alter the PIN of the Perfect Money bank card. Facilitated by the bank’s technology, all of these functions can be done with only a few mouse clicks.

3.1 Checking Account Balance and Transaction History

To check the balance of your PerfectMoney bank card, you have a few alternatives. One option is to log into your PerfectMoney account and find the card in the list of your accounts and click the “balancing” button next to the card number. This will display both the total card balance and the available balance. Another option is to enter the details of the card and arrange for a free text message to be sent to your mobile phone with the balance amount. You can set this up by clicking on the “alerts” tab inside your PerfectMoney account and then selecting the “set mobile phone alert” option. When the instructions ask you for the mobile phone number, it’s important to keep in mind that you should type the number in manually and don’t generate any spaces or add any symbols such as + or -, as this might lead to the alerts not working. To check the transaction history of your PerfectMoney bank card, you should log into your account and select the “history” tab. This will allow you to choose the exact time period of the transactions you want to review and whether you want the data to be displayed on the screen or downloaded as a CSV or PDF file. Each transaction is marked with a unique roll number and these will also be shown on the bank statement, allowing easier cross-referencing when the statement arrives in the post or via the PerfectMoney facility for statements to be uploaded online.

3.2 Adding Funds to the Card

To load the card, money is transferred electronically from a merchant (such as a financial institution or a payroll company) to the card. There are several ways to load the card; the most common ways are through direct deposit, a transfer from the card’s online account, through the card’s mobile app or from a cash reload service. Over time, you have opportunities to increase your card’s maximum balance. As a new cardholder, the card’s balance cannot reach more than a certain amount. However, after the first 30 days of the card account, after a successfully completed identity verification process, and upon card renewal, the maximum amount the card can possess increases. The process for increasing your card’s maximum balance can vary from card issuer to card issuer, so check your cardholder agreement or your issuer’s website for more details. Additionally, some direct deposit programs promise that the debit card can be used a day early on payday. These programs take advantage of the fact that electronic transfers are usually processed in the early morning on the day of the transfer. Early payday programs offset some of the limitations of debit cards because if a transfer results in reaching the card’s maximum balance, money will be transferred during the next transfer cycle rather than being declined.

3.3 Withdrawing Funds from the Card

Also, withdrawal of funds from MasterCard through ATM machine is also another convenient option. When the card is successfully linked to a user’s account, the owner can be able to access any ATM machine and withdraw funds. This method is fast and very convenient, especially when the user is away from accessing other methods of withdrawing funds. However, the ATM method is not available for VISA cardholders and is only limited to MasterCard users. Also, the user will have to bear the transaction charges associated with the withdrawals through an ATM machine. The charges will be deducted from the available card balance in accordance with the relevant terms and conditions.

If the card user wants to use the second method, they need to find a retail store which accepts card transactions and also provides for cash back option. After making a qualifying purchase and the retailer allows for cash back, the card user can utilize this option and get the cash that they need. However, the use of the second method may have some transaction charges which the cardholder will have to meet.

The first method is common and is considered the standard way of withdrawing funds from the card. The user will have to select a suitable bank account to them where the amount to be withdrawn will be credited to. This option is available to both VISA and MasterCard users. When money is transferred from the card to the selected bank account, the user can then use the bank withdrawal method from the bank account to access the funds.

There are three ways to withdraw money from a PerfectMoney bank card: 1. Transfer the money from the card to the bank account and then use a bank withdrawal. 2. Use the card to make a purchase at a store, which allows a cash back option and withdraw cash back from the store. 3. Withdraw funds via ATM machine (mainly for MasterCards) when the card is linked to the account.

4. Frequently Asked Questions

4.3 How to report a lost or stolen card? Losing a card can be very frustrating, to say the least. However, it’s very important to ensure that you make a report to the card service providers as soon as possible. This is to help prevent any unauthorized use of the card in case it falls into the wrong hands. The customer support service is available 24/7 for clients who may seek guidance on what is to be done. All you need to do is to dial the number at the back of the card to speak to one of the dedicated agents, and a replacement card will be sent to you within 24 hours.

4.2 Can I use the card for international transactions? As a matter of fact, Perfect Money prepaid card is the best thing to use if you love shopping online with international companies. This is because the card supports payments in tens of top world currencies and thus you will not have to suffer the hassle of international exchange fees whenever you are making payments using your local currency. This is a great feature that makes Perfect Money prepaid card one of the best choices for making online payments in the current markets.

4.1 What are the fees associated with Perfect Money bank cards? There are two types of fees that you will be charged whenever you use the card. First, you will be charged 1.99% whenever you load your card with fiat currencies such as US dollars, UK pounds, or EU euros. However, you will not be charged anything whenever you load your card with cryptocurrencies such as Bitcoin, Litecoin, and Ripples. Most of these will be used. You will not be charged any amount when you are making payments online or in-store using your Perfect Money bank card. However, you will be subjected to a 0.99% fee on all transfers of funds between cardholders.

4. Frequently asked questions. It is normal to have questions when it comes to using financial products. Here is all you need to know about using Perfect Money prepaid card.

4.1 What are the Fees Associated with PerfectMoney Bank Cards?

Well, there are more than 10 of them. The first one is the initial fee that depends on the type of the plastic card chosen. The initial fee for the business card is $50, for the personal card $30, and for the gold card $100. The deal fee is $2 for all types of cards. Another fee that is the same for all types of the card is the monthly service fee. It depends on the type of the card and the lowest one is $5. For the personal card, the monthly fee is $5. For the business cards, it turns out to be $10. The highest monthly fee of $20 is reported for the gold cards. Another 1 percent of the amount is charged as the withdrawal fee. The exception is the current card and the fee is $0. The exceptions are connected with the fee for the self-service kiosks and Perfect Money prepaid card. The fee is $0.50 by each transaction. Also, the fee of 2% is charged as the replenishment fee. However, the exception for the current card is present and the fee is 1%. Finally, it needs to be mentioned the fee for the issuing of the Perfect Money prepaid card. For example, the fee is $10 for the virtual card. For the plastic card, the fee is $20 and for the metal card it turns out to be $50.

4.2 Can I Use the Card for International Transactions?

To ensure convenience and security, the PerfectMoney system is designed to facilitate local and international money transfers. As a licensed delegate of PerfectMoney, the PerfectMoney.is website offers the PerfectMoney Bank Card, a magnetic stripe prepaid card which can be used at many ATMs and retail points. Since it is a prepaid card, the PerfectMoney Bank Card has a daily spending limit of $2500 ($10,000 if many cards are applied to the same account). This limit applies to total purchases, cash withdrawals, and any refunds or credits to the card account. The daily spending limit is also reset at 00:00 GMT each day; wherever a transaction is made, this is determined by the local time. The daily spending limit cannot be increased or removed by the cardholder. Also, the PerfectMoney Bank Card is not a credit card, which means holders cannot exceed the available balance on the card account. However, PerfectMoney cards can be used to make purchases online and paying bills and more surprisingly, the PerfectMoney Bank Card is accepted worldwide and can be used for online, telephone and mail order purchases; as well as at a number of ATM locations, wherever the MasterCard Acceptance Mark is displayed. This information is very vital for card holders who wish to use the card for international transactions. PerfectMoney card holders will not be able to use the card for any purchases or withdrawals for the twenty-four (24) hours period after the card is reported as lost or stolen. Users can report lost or stolen cards by contacting the toll-free customer service number (888) 123-4567 or the international customer service number (+4470) 100-404-11. At the customer service department, the operator will ask for the card number in order to verify caller’s information. Also, users may have to verify their identity to replace a lost or stolen card. Overall, the guide has been prepared to highlight the benefits of holding a Perfect Money bank card. I hope that these frequently asked questions and their respective answers will help anyone who is still uncertain whether to apply for a PerfectMoney bank card or not.

4.3 How to Report a Lost or Stolen Card?

If your PerfectMoney Bank Card is lost or stolen, you should report it immediately by contacting the customer service team on 1-888-1003-172. When you contact, you will be asked the following two questions before the card is identified as lost or stolen. You will find these two questions to be the first tier of their verification checks. Well, the questions are “number last used to make a load to the cards” or it is simply “the number of the last load onto the cards.” These checks are important to ensuring the lost or stolen card is identified well and in good time. If your card is lost, the customer service must be satisfied that it is true the card is lost or stolen before it is cancelled. This will avoid incidences where brutal fraudsters call to have your card cancelled. After the card is completely cancelled, you will then be required to make a letter to the support team. The letter should have the following details: your name, address, email address, card number and the cardholder ID. A proof of identification will also be required before a replacement card is processed. Perfect Money however insists that it is always important to follow the process of cancelling a lost or stolen card. You should never attempt to use the card. Remember that if you confirm that the card is lost, it can never be reactivated. This means it cannot be used, for example, to track any systematic fraud. It is the good fraud prevention process that will ensure your account is safeguarded. Also, it is important to note that any balance in your PerfectMoney account is never damaged if the card is either lost or stolen. The balance in your account will only be at risk where you have shared the password. This is why it is always recommended that you do not share the card details and the password with a third party.

Links :-

https://perfectmoney.com

https://perfectmoney.com/signup.html

https://perfectmoneycard.com