FAQ

Make Purchases & Pay Bills

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How do I make purchases with my card?

Use your Wisely by ADP® card on the phone, online, or in any store that accepts Visa® Debit card or Debit Mastercard®. You can also add your Wisely card to your mobile wallet. You can use contactless pay anywhere Apple Pay®, Samsung Pay® or Google Pay™ is accepted.

How can I get cash using my card?

You have two options:

  • ATMs
    Get cash at millions of ATMs worldwide, including 40,000 surcharge-free, in-network ATMs nationwide.5 Click here or log into myWisely® to find in-network, surcharge-free, in-network ATMs in your area.
  • Banks
    Go to any participating bank, let the teller know you want to do an over-the-counter transaction and tell them the amount you would like to withdraw. You may be asked to show your ID. Find participating banks here.

Can my card be used to make debit or credit transactions?

Your Wisely® card can be used to make either a debit or credit transaction.

Debit transactions will require a personal identification number (PIN) and are best used when you want cash back from a merchant. These transactions do not incur a fee.

Credit transactions do not require a PIN and do not incur a fee.6

What is a pre-authorization hold?

Certain purchases (hotels, restaurants, car rentals, gas stations, etc.) require pre-authorization and may temporarily hold money from your card balance that would be greater than the actual purchase amount once the purchase is processed.

The money will be released, and your balance will be adjusted. Availability of the pre-authorized money could take up several days to be released into your card balance.

Gas Stations. When using your card at gas stations, it is best to prepay for the exact amount at the cashier. If you pay at the pump, a hold of up to $100 or more may be placed on your card. This hold may last up to 5 days. (Hold times may vary depending on the merchant.)

Restaurants. Restaurants may automatically add up to 25% or more to your bill to cover a tip. If you do not have a sufficient balance on your card to cover the amount, the transaction will be declined.

Hotels may place a hold on your account for your room reservation. It is typically released upon checkout but may last up to a couple of weeks.

Why does the pre-authorization hold times differ?
Some merchants may require different authorization hold times. The above information is a reference and not a guarantee of hold length.

Can I use my Wisely® card outside of the U.S.?

See the back of your card to determine card type

Wisely Pay Customers
Use your Wisely card everywhere Visa® Debit cards are accepted and where debit MasterCard® is accepted internationally. To use your Wisely® Card for transactions outside the U.S., including U.S. territories, please set a travel notice in the myWisely app.7

Your card is charged an ATM fee when you use an international ATM. Please refer to the Wisely® Pay List of All Fees for applicable usage fees.

Wisely Direct Customers
Use your Wisely card anywhere Debit MasterCard® is accepted internationally. To use your Wisely® Card for transactions outside the U.S., including U.S. territories, please set a travel notice in the myWisely app.7

Your card is charged an ATM fee when you use an international ATM. Please refer to the Wisely® Direct List of All Fees for applicable usage fees.

How do I know which card I have?

Can I send money to family and friends?

Absolutely. You can link your card to all your favorite peer to peer apps like Venmo®.

Or if you prefer, you can also visit a retailer near you and use MoneyPak®20 to send money to friends and family. Just follow these steps:

  1. Grab a MoneyPak20 from the prepaid card rack at the register.
  2. Hand your cash and the MoneyPak20 card to the cashier. A flat fee of $5.95 will apply.
  3. Next, scratch off the unique MoneyPak20 number on the back of the card and give the number to your friend.
  4. Ask your friend to sign up at moneypak.com20 and follow the step by step instructions to add money to his or her eligible card.

Participating retailers include 7-11, CVS, Dollar General, Rite-Aid, Walgreens, Walmart, and many more. You can send anywhere from $20 to $500.11 To learn more and find a location near you, visit moneypak.com.20

How do I pay bills16 in the myWisely® mobile app?7

Paying bills16 using the myWisely app7 lets you initiate a bill payment in seconds with your smart phone.

Just snap a photo of the bill, import an image of a paperless bill or search and add a new biller.

It’s a quick, convenient and secure way to pay bills.16 The payments you make are deducted from your Wisely balance.

To pay a bill,16 log into the myWisely app7 and click the arrow in the top right corner and select “pay a bill”.

How is my bill paid using a photo or an image of my bill?

Your bill information is extracted from the photo of the bill you snapped or the image of the paperless bill you uploaded in the myWisely app7 and uses secure payment automation to complete your payment.

If payment cannot be made electronically, a check will be mailed to the biller on your behalf.

What if I don’t have a photo or an image of my bill?

You can still search and add a new biller within the myWisely app7 to make a payment.

The payment amount is deducted from your Wisely balance. To pay a bill, log into the myWisely app7 and click the arrow in the top right corner and select “pay a bill”. 

How can I confirm my bill payment was sent?

You will receive a confirmation email when your bill has been delivered to the payee.

Additionally, you can view the status of your bill in the bill details page within the myWisely® app.7

You can refer to the bill pay section of the myWisely® app.7

What is the processing time for bill payments?

Electronic payments are delivered to the biller usually within 48 hours after the submission of the bill in the myWisely app.7

Check payments are delivered usually within 5-7 days business days

What do I do if my bill payment was not received?

Sometimes the payee may not credit your account immediately after receiving a payment.

If the payment is not credited in a reasonable amount of time, please contact Wisely customer service at the number on the back of your card for assistance with further payment investigation.

Can I add my Wisely® Card to Apple Pay®, Samsung Pay®, Google Pay?

Yes. Wisely cards can be added to mobile wallets for use at participating stores, online and on apps that accept Apple Pay®, Samsung Pay®, and Google Pay.

  • Learn more about adding your card to ApplePay®
  • Learn more about adding your card to Samsung Pay®
  • Learn more about adding your card to Google Pay

Log into the myWisely app7 to visit your transaction history page to automatically add Wisely card to mobile wallet.

Can I schedule a bill payment?

Yes. First, select the date you want to make the payment by clicking on the “schedule for” date, you will receive a notification the day before the payment, on the scheduled day, your payment will be sent securely.

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