Card Swap at SESLOC

FAQ: Card Swap

November 29, 2020
by Team SESLOC

CardSwap in Online Banking allows you to update your payment information for anywhere you pay — shopping sites, streaming services, online subscriptions, and more —all with one tap. We’ve answered the most commonly asked questions about CardSwap below:

Am I Eligible to Use CardSwap?

All SESLOC Consumer and Business account holders are eligible to use CardSwap. You may use it with your SESLOC Visa debit or credit cards. You may also add other Visa, Mastercard and American Express cards from other financial institutions. You must be enrolled in Online Banking in order to access the CardSwap service.

What Are the Fees for CardSwap?

CardSwap is free! This service is complimentary for all eligible SESLOC members.

I Am a Joint Owner. May I Use CardSwap?

Yes! Joint owners may add credit and debit cards.

What Are the Terms of the CardSwap Service?

CardSwap terms and conditions are provided in Online Banking. You must accept the terms before proceeding with setting up the service.

Why Am I Not Receiving Notifications of My CardSwap Activity?

Be sure your contact information is correct in your CardSwap notification preferences. By default, CardSwap will notify you via text message (SMS) and email with the personal information in your Online Banking account. If you do not have a mobile phone number on file, CardSwap will default to using your email address.

IMPORTANT: If you change your mobile phone number or email address in Online Banking, be sure to also change it in your CardSwap notifications preferences.

Why is My Non-SESLOC Card Displaying Like a SESLOC Card?

CardSwap is unable to provide image previews of non-SESLOC cards, therefore these cards will appear white with a blue SESLOC logo. For security, the full 16-digit card number will not be displayed. To ensure you’re adding the vendor to your intended debit or credit card, please verify the last 4 digits and expiration date.

Why Am I Receiving an Error Message When Adding a New Payment Method?

You will receive an error message if you are entering an incorrect card number, expiration date, zip code or CVV. Double-check that you are entering the correct card information.

Why Am I Receiving an Error Message That My Card Was Not Accepted?

If you entered card payment information and it was not accepted by the vendor/provider, please contact the provider. You may need to update your login information with your provider, or ensure they accept the SESLOC debit or credit card payment or other card you’ve added.

How Long Does it Take For My Card to Be Swapped on a Biller Site?

It may take up to 24 hours. However, in most cases, the card swap happens immediately. It may take longer if the provider website is down, or we encounter an issue with the swap during the first attempt.

How Will I Be Notified of CardSwap Changes?

It’s easy to set your notification preferences. By default, CardSwap will send emails and text messages (SMS) to the mobile phone number and the primary email address on file in Online Banking. Select “notifications” to add a different mobile number or email address, and toggle on and off how you want to receive notifications.

What Type of Notifications Will I Recieve?

You will be notified when the provider or biller credentials expire or if a payment was put on hold. You will also receive a notice five days, and then one day before your card is expiring, in which case be sure to add a new card to prevent service disruption. CardSwap will also notify you in the event the provider cannot accept your form of payment or if the card is already in use.

Why Do I Recieve an Email Confirmation That a New Payment Method is on File For Some Providers, But Not Others?

Whether or not you receive a confirmation email from a provider is dependent on the provider and the provider’s process for notifying customers of changes on their account.

Why Did I Recieve a Notification That My Account Was Access From an Unknown Device?

End users may receive notification from some providers that their account is being accessed from an unknown device, for example alerting you of a new “sign in.” This may occur if you have selected “remember me” upon login and the provider registers your device. If the CardSwap system accesses an account with these settings in place, the provider may notify you since our system is different than what you typically use to access your account.

What Does a Yellow (!) Next to a Provider Mean?

The (!) next to a provider means the provider is temporarily down for maintenance. Check back later if you wish to attempt to swap out their card. The (!) may also mean that there is an issue with your account. If you click on the provider with an (!) they will receive information regarding the problem with their provider account and instructions on how to resolve the issue.

Why Did I Recieve a Notification That My iTunes Account is Being Accessed From Virginia?

You may receive notification from some providers that your account is being accessed from a location different from where they are located. This is caused by providers detecting a login from CardSwap servers rather than your location. In order to perform the swap, our system will need to access your account.

Why Do Some Providers Require Me to Enter a Security Code?

Authentication requirements differ by provider. Some providers require a security question or code in order to access an account. If the provider requires you to enter a security question or code outside of CardSwap, you will also be required to enter your security question or code inside of CardSwap.

Why Am I Unable to Add a Provider to Multiple Cards?

CardSwap only allows a provider to be linked to one card. This link is to ensure your card will not be charged for the same subscription services. For example, with Amazon, you are able to add multiple cards to your account, however only one is on file for the Prime recurring annual subscription. We recommend adding the provider the card where you will likey have enough funds to cover recurring payments and annual subscription fees.

How Often Are New Providers Added?

CardSwap is continually expanding the list of providers. At SESLOC, we may notify you via our marketing emails when new providers are available. Ensure you are on our “eList” by subscribing today or updating your email address in Online Banking. If you’re looking to schedule automatic payments for your bills, use our Bill Pay service.

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