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Save your money, so that your money can save you.
Save your money, so that your money can save you.

PayPower Mastercard® Prepaid Card

paypower prepaid card

PayPower Reloadable Mastercard® Prepaid Card

PayPower is a Canadian company and their reloadable prepaid Mastercard® program is accepted at thousands of retailers (both in-store and online) around the world. This card permits the management of your funds outside of your local bank account. PayPower gives you a couple choices in regards to how you want to purpose your prepaid card.

You have the option to:

  1. Leave your card as a “Single Load Prepaid”
  2. Upgrade and register to make it a “General Purpose Reloadable Card.”

With the latter, there are more options, like ATM withdrawal and Direct Deposit capabilities, that make it a multipurpose card that gets the job done.

This article will highlight the many features and fees that are associated with this card, to help you decide if it is the right program for your everyday needs!

PayPower Card Features and Benefits

The PayPower Reloadable Mastercard® Prepaid Card has many great benefits that can be utilized on the daily.

First, the card is accepted worldwide at any store or online merchant that accepts Mastercard®.

You can also use your account effectively by paying your bills online. Just simply update the settings in your account, add a payee and schedule a payment!

There is a small fee of $1.95 per bill payment, whether it was declined or successfully withdrawn from your account. However, the convenience of paying your bills on time and accessing them all in one place is a huge benefit. This helps to keep you and your finances organized.

The company also created a clever “Dashboard”, which tracks your spending/saving habits and alerts you when any fraudulent purchases have been made.

There is no credit check required to sign up for this card, which makes it a stress-free way to store your cash safely.

How Do I Reload My PayPower Card?

The PayPower reloadable card is a little more advanced than other cards we've reviewed. Cardholders can reload their PayPower card online from the PayPower official website by logging into their account. This feature makes their card incredibly convenient. 

PayPower Limits

Just like any card that offers convenience and reliability, there are going to be some fees associated with using it. Some of their fees include:

  1. $9.95 for a new card activation
  2. Up to $6.95 for reloading cash at participating locations.
  3. $4.95 monthly fee, to keep the account open and active.


As far as the ATM, there is a charge of $1.95 per withdrawal at Canadian locations and a $3.95 PLUS 3% of the total transaction for international ATM withdrawal, which is quite a hefty fee, compared to most other reloadable cards.

Luckily, PayPower cuts you some slack when making PIN or signature required purchases, as there are no fees associated with this. The only exception is if you make an international PIN purchase, then it will run you approximately 3% of the total purchase amount.

Utilizing the Direct Deposit option also costs you nothing, making it easier, faster, and more secure to get your your checks. Customer service, online billing statements, and ATM balance inquiries are all free of charge.

Last, there is a $10 charge to order a new card, in the event that yours gets lost or stolen.

Overall, the PayPower Reloadable Mastercard® Prepaid Card is quite a pricey account to opt for, unless you are only using it for its direct deposit capabilities or spending on daily shopping. For these two instances. it's worth it to take advantage of the free PIN transactions.

We hope that you've found our breakdown of the PayPower Reloadable Mastercard® Prepaid Card valuable! If you're interested in reading more, please subscribe below to get alerted of new reviews as we publish them.