FAQS
General Information
Is BlxckPay® by Epay a bank?
BlxckPay by Epay is not a traditional bank. We are a financial technology (FinTech) company offering digital banking services. All BlxckPay by Epay accounts are FDIC insured through Community Federal Savings Bank, Member FDIC, for up to $250,000 per account.
What type of account is my BlxckPay by Epay Prepaid Mastercard® or Visa® account?
Each BlxckPay by Epay Prepaid Mastercard or Visa account functions as a spending account with its own unique routing and account number. Accounts can be funded via direct deposit or retail cash load through the GreenDot® network.
Is my money insured?
Yes. All BlxckPay by Epay Prepaid Mastercard or Visa accounts are FDIC insured through Community Federal Savings Bank, up to $250,000 per accoun
What drives BlxckPay’s vision?
We are driven by a belief in financial inclusion. Our mission is to make digital financial services accessible to everyone, everywhere, at any time.
Where are you located?
Our headquarters are located in Magnolia, Texas, USA
Where is the card manufactured?
All BlxckPay by Epay cards are designed and manufactured in Tennessee, USA
Card Usage & Limits
Daily funding limits
You can fund your BlxckPay by Epay Prepaid Mastercard or Visa account, via Direct Deposit or ACH transfer, up to $10,000 per day, with a maximum of five transfers per day. Retail cash loads are limited to $1,000 per day, with a maximum of four loads per day.
Can I use my card outside of the United States?
Yes. You can use your BlxckPay by Epay Prepaid Mastercard or Visa card worldwide, wherever Mastercard or Visa debit cards are accepted. Please note that international transaction fees may apply.
Are there daily spending or withdrawal limits?
The daily spending limit is $2,500. You can withdraw up to $500 from ATMs per day
What is the maximum account balance or funding amount?
The maximum account balance is $25,000. You may fund your account up to $25,000 per month or make up to five transfers per month
Online payment limits
You may make up to five online payments per day. This restriction helps protect your account from fraudulent activity.
Can I use the card anywhere?
Yes. The BlxckPay by Epay Prepaid Mastercard or Visa can be used anywhere Mastercard or Visa debit cards are accepted.
Transactions & Exchange Rates
My transaction was declined, but funds were deducted. Why?
Sometimes a temporary hold occurs when insufficient funds exist to cover a charge. If this happens, please contact our Customer Care Team at CardSupport@blxckcapital.com for assistance.
How are exchange rates calculated?
International transactions are subject to currency conversion and applicable fees. Mastercard or Visa uses exchange rates derived from wholesale currency markets or government-mandated rates. A 3% international transaction fee applies to all transactions conducted outside the 50 United States and the District of Columbia, including foreign websites.
Who do I contact regarding a transaction?
If you have questions about any transaction, contact our Customer Care Team at CardSupport@blxckcapital.com. Please include your full name, username, email address, and phone number.
Customer Support
Customer Care hours
BlxckPay by Epay support is available Monday through Friday, from 9:00 a.m. to 5:00 p.m. PST. Support is closed on federal banking holidays. You can reach us at CardSupport@blxckcapital.com.
Who do I contact for account issues?
Our Customer Care Team is ready to help. You can email us at CardSupport@blxckcapital.com or chat through the BlxckPay by Epay App. Please include your full name, email, username, and phone number
Lost, stolen, or compromised cards
If your card is lost, stolen, or compromised, open the BlxckPay by Epay App and turn off transactions in the Settings menu to prevent unauthorized activity. Then, contact Customer Care atCardSupport@blxckcapital.com to deactivate the card and request a replacement. Replacement fees may apply.
Reporting errors or unauthorized transactions
If you believe there’s an error or unauthorized charge, contact Customer Care at (844) 540-8255 or email CardSupport@blxckcapital.com within 60 days. We’ll investigate and, if needed, provide provisional credit within 10 business days
Card Activation & PIN
I forgot my PIN
If you forgot your PIN, you can reset it directly through the BlxckPay by Epay App.
My card was blocked after multiple incorrect PIN attempts
If your card was blocked after three incorrect PIN attempts, please contact Customer Care to reset it. For security, the system automatically blocks cards after three failed attempts.
How do I activate my card?
Download the BlxckPay by Epay App from the iOS App Store or Google Play Store to activate your BlxckPay by Epay Prepaid Mastercard or Visa card and complete the setup process.
App & Digital Services
Where can I download the app?
You can download the BlxckPay by Epay App for free on iOS (App Store) or Android (Google Play).
What does the app do?
The app offers branchless banking services such as balance and transaction history, funds transfers (card-to-bank, bank-to-card, and card-to-card), settings management (PIN, alerts, card status), access to account statements and documents, and cardholder support.
Can I change the app’s language?
The BlxckPay by Epay App is currently available in English and Spanish. Additional languages will be added to future updates.
What if I forget my username or password?
imply tap ‘Forgot User ID?’ or ‘Forgot Password?’ on the sign-in screen and follow the on-screen instructions.
How do I set up direct deposit?
Open the BlxckPay by Epay App, navigate to Settings, and locate your routing and account number. Provide this information to your employer’s payroll department or online portal.
Statements & Records
Do you provide monthly statements?
Yes. Monthly statements summarizing your transactions and deposits are available within the BlxckPay by Epay App under Settings > Card Services > Card Statement.