IME Pay Virtual Visa Prepaid: Frequently Asked Questions

IME Pay Virtual Visa Prepaid

 

What is IME Pay Virtual Visa Prepaid Card?

The IME Pay Virtual Visa Prepaid Card is a smart and safe way to pay online in e-commerce with the funds debiting directly from your IME Pay Wallet. This payment solution is ideal for people who like to shop online but do not have/or do not want to use their existing credit card/debit card for those purchases.

 

Where can IME Pay Virtual Visa Prepaid Card be used?

IME Pay Virtual Visa Prepaid Card can be used for online purchases with any Nepalese online retailer that accepts Visa as a form of payment.

 

Does IME Pay Virtual Visa PrePaid Card replace my IME Pay wallet?

No, your IME Pay Virtual Visa PrePaid Card Number works to complement your Wallet by giving you another way to pay for your online purchases or bill payments by debiting the funds directly from your account.

 

Can I choose to pay for online purchases by either IME Pay Virtual Visa PrePaid Card or IME Pay Wallet?

Yes! IME Pay offers both forms of payment choice if you would like to use your Wallet to pay for online purchases. If both Visa and IME Pay Payment Gateways are made available as payment options, you can decide how you will pay.

When making a payment using IME Pay Virtual Visa Prepaid Card, you enter your card information as you would for payment by card. You will need to provide your 16-digit IME Pay Virtual Visa PrePaid Card Number, the expiry date, and the security code (CVV2) located on your Reference Card, along with OTP received in your registered number. The funds will be automatically debited from the account that you access when you select VISA or Wallet option.

If you select IME Pay at checkout; you will need to provide your Wallet Number and your IME Pay wallet pin along with Captcha verification. You will then be prompted to enter OTP which would trigger to debit for the payment.

 

Why is it called IME Pay Virtual Visa Prepaid Card?

The “Virtual” relates to the fact that your IME Pay Virtual Visa PrePaid Card Number can only be used where it is not necessary for a physical card to be presented for payment. These transactions are generally done online. For convenience, you will be issued a Reference Card that provides you with all the information you need to make a purchase:

  • 16 digit Visa PrePaid Card Number
  • Expiry Date
  • CVV2 number

The Reference Card does not have a magnetic stripe, CHIP or PIN associated with it and cannot be used at point-of-sale merchant terminals or at ATMs.

 

Is IME Pay Virtual Visa PrePaid Card safe?

Yes. IME Pay Virtual Visa PrePaid Card offers you the security features that you have come to know from Visa. This includes Visa’s Zero Liability, Visa Secure service, address verification, and the three-digit security code (CVV2) found on the Reference Card.

 

What are the eligibility requirements for an IME Pay Virtual Visa PrePaid Card Number?

Clients must be KYC Verified wallet and have an active personal, IME Pay account. IME Pay Virtual Visa Prepaid Card is not available to business clients.

 

How can I request an IME Pay Virtual Visa PrePaid Card Number? Is there an application form to fill out?

No, there is no application form required for a virtual visa Prepaid Card. You can request an IME Pay Virtual Visa PrePaid Card Number from your IME Pay app. 

The Card will be generated instantly if your KYC is verified.

Follow these steps to activate your IME Pay Virtual Visa Card:

Step 1: Go to the card tab on your IME Pay Homepage

Step 2: Tap on the “Apply Visa Virtual Card” button in the bottom-right corner of the screen.

Step 3: Tap on “Generate Virtual Card” to create your virtual card.

Step 4: Enter your 4-digit IME Pay Wallet Pin Number

Step 5: Your IME Pay Virtual Visa Card is successfully activated. Click on “Preview Card” to view your virtual card.

Step 6: Tap on your virtual card and enter your 4-digit IME Pay Wallet Pin Number to see your virtual card details.

Watch Video: How to ACTIVATE your VIRTUAL VISA CARD on IME Pay

 

What are the fees associated with IME Pay Virtual Visa Prepaid Card?

There is no annual fee charged for your IME Pay Virtual Visa PrePaid Card Number or Reference Card. In addition, any purchases or recurring payments made with your Virtual Visa PrePaid Card Number will not count against the monthly PrePaid Card transaction limits applicable to your personal deposit account and have a separate threshold.

 

Which account is debited when I make a purchase using my IME Pay Virtual Visa PrePaid Card Number?

When making a payment using your IME Pay Virtual Visa PrePaid Card Number, the funds will be debited from the IME Pay Wallet account.

 

Are there daily spending limits when using my IME Pay Virtual Visa PrePaid Card Number?

There are daily limits set for purchase payments made using your IME Pay Virtual Visa PrePaid Card Number. Your daily limits are indicated on the company website in Charge and Commission section.

 

Why don’t I have a PIN for my IME Pay Virtual Visa Prepaid Card?

There’s no need for a PIN because you cannot use your Virtual Card at an ATM or at a point-of-sale terminal. Your IME Pay Virtual Visa PrePaid Card Number, the expiry date, and the three-digit security code found on your Card are all you need to make online payments along with the OTP that gets sent to your registered mobile number in IME Pay wallet.

 

Can an IME Pay Virtual Visa PrePaid Card Number be joint with my spouse?

No. Your IME Pay Virtual Visa PrePaid Card Number is issued to you personally. 

 

When I look at my account statement or transaction history online, how can I tell the difference between a new purchase and an adjustment to a previous one?

When Visa PrePaid Card payment appears on your account for a previous purchase, the entries will have the following things in common:

  • The transaction will appear in History with the VISA logo.
  • You will see a credit or debit with the finalized (settlement) amount of your initial purchase below the Card section

 

What happens if I cancel an online order?

If an order is canceled or incomplete in any way, the merchant can process an “authorization reversal” within 72 hours of the canceled order. This will reverse the initial Visa PrePaid Card purchase on your account.

If the merchant is not able to process an authorization reversal, we will automatically “expire” the initial authorization if we do not receive a settlement within the mutual time frame of the transaction.

 

Can I use my Virtual Visa Prepaid Card Number for free trials on the internet?

Some online retailers offer their potential customers “Free Trials” of a product. Before enrolling in this service, please read the terms and conditions carefully. If you decide to go ahead, please remember that IME Pay Virtual Visa PrePaid Card works differently from a credit card, which means that you will see a debit in your account for the Free Trial when the merchant authorizes the transaction.

 

My IME Pay Virtual Visa Prepaid Card purchase was declined. Why?

A Virtual Visa PrePaid Card transaction may be declined for the following reasons:

  • Funds are not available in your Wallet.
  • You may have exceeded the transaction limits. applicable to your account.
  • You did not enter your IME Pay Virtual Visa PrePaid Card Number (including the expiry date and security code (CVV)) correctly
  • You did not enter the correct OTP sent to your registered mobile number
  • If the merchant is located outside of Nepal, Visa PrePaid Card may not be accepted as a form of payment.
  • Your personal Wallet account linked to your IME Pay Virtual Visa PrePaid Card Number may be restricted
  • Your IME Pay Virtual Visa PrePaid Card may have not been temporarily disabled. Please call 01-4217600 to know more on how to activate your Virtual Visa PrePaid Card Number if it is disabled.

 

The merchant is asking for a CVV2/CVC2/CID/Security Code — Where do I find it?

You can find the CVV2 (security code) on your IME Pay Virtual Visa PrePaid Card Reference Card that is displayed in your IME Pay App.


How can I lock my virtual visa account?

Follow these steps to Lock or Unlock your IME Pay Virtual Visa Card:

Step 1: Go to the card tab on your IME Pay Homepage

Step 2: Tap on the manage button in the bottom-right corner of the screen.

Step 3: Tap on “Lock Card” to temporarily halt all card transactions and select “OK” to confirm.

Step 4: Enter your 4-digit IME Pay Wallet Pin Number

Step 5: Your IME Pay Virtual Visa Card is successfully locked. 

Step 6: Tap on “Unlock Card” and follow the same steps to unlock your card. 

 

How can I check the threshold of my virtual visa account?

Follow these steps to Check the threshold of your IME Pay Virtual Visa Card:

Step 1: Go to the card tab on your IME Pay Homepage

Step 2: Tap on the manage button in the bottom-right corner of the screen.

Step 3: Tap on “See Card Limits” to check the Limit.

 

Download IME Pay on your smartphone: http://onelink.to/imepay

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CONTACT

IME Digital Solution Ltd.
IME Complex – 6th Floor
Panipokhari, Kathmandu, Nepal

www.imepay.com.np

Toll Free No(NTC User Only): 16600161616
Tel: 01-4217601, 01-4217600

Email: info@imepay.com.np

 

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