Visa & Mastercard

How does the recipient receive and use the virtual Visa or Mastercard?
It’s a simple 3-step process:
  1. The recipient receives the reward payment email with a link to claim and register their prepaid card.
  2. Once the recipient completes their prepaid card registration, their Visa​®​ or Mastercard Prepaid Card number is ready for immediate use.
  3. Recipients have the option to create a digital wallet to secure and easily access their Mastercard number.
In which countries are virtual Mastercard and Visa NOT accepted?

Virtual Mastercard and Visa work in over 150 countries around the world. However, some countries where neither our virtual Mastercard nor virtual Visa are accepted.

Examples of countries that may be excluded are Belarus, Burundi, Central African Republic, China, Côte d’Ivoire, Cuba, Democratic Republic of the Congo, Egypt, Eritrea, Ethiopia, Guinea, Guinea-Bissau, India, Iran, Iraq, Laos, Lebanon, Liberia, Libya, Mali, Myanmar (Burma), Nicaragua, North Korea, Palestinian Territories, Russia, Somalia, South Africa, South Sudan, Sudan, Syria, Tunisia, Ukraine, Venezuela, Yemen, and Zimbabwe.

There are minor differences in country restrictions for each type of prepaid card. Contact us or log into your BHN Rewards (formerly Rybbon) account to see country restrictions for each type of prepaid card in the Reward Catalog.

In what currency are virtual Visa and Mastercard issued?

We offer virtual prepaid cards in U.S. dollars (USD) and Canadian dollars (CAD). All Visa​®​ and Mastercard Prepaid Cards work in an identical fashion. Purchases are made in the local currency and automatically converted to the currency of issue by the card issuer.

Can virtual Visa or Mastercard be used in stores?

The USD Mastercard can be added to mobile phones that support Apple Pay, Google Pay, or Samsung Pay. Once added to a mobile wallet, the rewards can be used for in-store purchases.

Are there expiration dates?
Virtual Visa/Mastercard:

Virtual Visa/Mastercards always have an expiration date. Depending on the type of Visa/Mastercard you choose, its value may expire 6 to 12 months from the date of issue. It is important to note that the value of the card cannot be accessed unless the card was claimed and registered. Recipients have 3 months to register and redeem the delivered promo code for a prepaid Visa/Mastercard. After that, recipients have 6 to 12 months to spend the balance on the prepaid card.

E-Gift Card:

Most e-gift card brands have no expiration date unless stated in the specific terms for a given brand. However, since every brand is different, recipients should refer to their e-gift card’s specific terms and conditions for more details.

Are there purchase restrictions?

Visa​®​​ and Mastercard Prepaid Cards cannot be used for recurring fees (for example: subscription purchases).

Unless a merchant offers a “split-tender,” the total order must be equal or less than the card balance including taxes, fees, and shipping, if applicable.

Should I use a Visa or Mastercard Prepaid Card?

All Visa and Mastercard Prepaid Cards work in an identical fashion. Get in touch with us and we’ll help you figure out which one is best for you.

Pricing & Payment

How does 100% refund on unclaimed gifts work?

BHN Rewards allows you to set a window within which a gift can be claimed. If a recipient does not claim their gift during this period, BHN Rewards automatically issues a 100% refund for the gift value and credits the funds to your account so that you can easily apply them toward another campaign. This unique benefit is complimentary for all BHN Rewards users. Our customers love this perk, as it leads to huge cost savings and ensures their budget is being used effectively!

What if I end up needing fewer gifts than I ordered?

You can simply return them with one-click for a 100% refund. BHN Rewards is super flexible like that!

Can I upgrade to an Annual Plan at a later time?

Yes. You are welcome to get started with our On-Demand plan. It takes minutes to set up and you can start delivering rewards instantly. When you are ready, reach out and we can upgrade your account to a Team or Enterprise Plan tailored to your needs. Depending on your reward volume, it may be more cost-effective to be on a Team or Enterprise Plan. View our pricing for more details.

Is there a minimum volume purchase requirement?

No, there are no minimums. You can purchase as few or as many rewards as you need.

How does payment work?

All orders are processed after we receive payment. To ensure smooth and timely order processing, we recommend pre-funding your BHN Rewards account via bank transfer (either ACH or wire). US corporate credits cards may also be accepted on a case-to-case basis and are subject to a 3% processing fee. For security reasons, credit card approval is at BHN Rewards’ discretion and may include purchase limits.

Do you provide invoices and receipts?

Yes. Invoices and receipts are automatically provided for every order. Receipts are also provided when you put funds into your account in advance (pre-funding) for immediate order processing.

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