Our frequently asked questions, that are not so frequently asked (because PayUp Jack is almost flawless) but we posted them anyway.
For amazing people who organize group social activities, PayUp Jack™ is a convenient, easy-to-use money collection platform that relieves the stress and hassle of collecting money from a group of friends and family using credit cards.
PayUp Jack allows the “payers” to pay the “social organizer” using a credit card and that money owed goes directly onto the “social organizers” credit card, instantly.
You can use PayUp Jack for a variety of social activities, for example: a team captain collecting team fees for the rec hockey or beach volleyball teams; the bachelorette weekend getaway in Niagara-on-the-Lake; the tickets for the music festival or baseball game.
NOTE: PayUp Jack is currently available to anyone who has a Canadian credit card only. International version to come shortly.
If you are the one person in your group of friends that LOVES bringing everyone together and organizing social activities (what we call the “Social Organizer”), but knows it’s a thankless job, especially when you must collect money, then PayUp Jack is for YOU! Let PayUp Jack relieve the stress and hassle of collecting money from everyone with features like:
- REALTIME money collection–that’s right, money is INSTANTLY returned on the credit card you used unselfishly to pay for your friends 😊;
- Payment tracking –even track those who paid you with cash or another way and did not use PayUp Jack to pay you;
- Automatic reminder–We call it the “PUJ-Nudge” ([‘PUDGE-nudge]); We know reminding people for money is well, awkward, so we do the reminding for you;
- Request the same amount, or different amount from multiple friends—it all depends on the activity;
- Your friends don’t have to sign up—After you sign-up for PayUp Jack, all you need is their email address!
It’s as easy as 1,2,3!
- The Social Organizer (that’s YOU), signs up to PayUpJack, sends a Request for Payment to all your friends and family who shared in the good-times;
- The Payers (your friends) receive a secure email with a link to make payment. The Payers make a payment in REAL-TIME with a Visa credit card, VISA debit card or any Debit Card with the PLUS network (MasterCard coming soon!);
- Once the Payers make their payments, the Social Organizer will receive the payment in REAL-TIME, DIRECTLY onto their Visa credit card, VISA debit card or any Debit Card with the PLUS network (MasterCard coming soon!);
• No App to Download (PayUp Jack is a web-based app);
• Only You, the Social Organizer, needs to sign-up and be a member;
• Free for Social Organizer to collect money;
• Only your friends emails are needed to send a money request–
Your friends do not need to be members; Although we’re sure they will love it so much, that they will also join PayUp Jack for their own events.
As the Social Organizer, you do all the work, so it’s always FREE for you to collect money using PayUp Jack.
In order to make the whole process simple for you and your friends, a small convenience fee per transaction is charged to your friends only:
It’s simple: $1.47 + 0.5% of the amount requested.
As an example, on a $100 request for payment, the convenience fee is $1.97 ($1.47 + $0.50):
The amount the Payer will pay you using their credit card will be:
$101.97 ($100 + $1.47 + $0.50)
Yes, you and your friends can use PayUp Jack as long as:
- You, your friends and family are of the appropriate age to own your own credit card or debit card;
- The cards are Canadian issued Visa credit card, Visa debit card, or debit card on the “Plus Network” (look on the back);
We will bring on Mastercard and Mastercard debit cards as soon as they are ready.
As soon as we share the greatest social money collection tool with Canadians, we will follow with our international versions of PayUp Jack.
So, stay connected.
One of the benefits of PayUp Jack is that your friends (the Payers) DO NOT have to sign-up to PayUp Jack; you just need their valid email address.
We’ve made it simple and easy for Social Organizers to get THEIR money! Your friends will receive a secure email with a link to make payment; then the Payers will select the link and make the payment with a Canadian Issued VISA credit card or Visa debit card or a Debit card on the “Plus” Network (check on the back of the card).
PayUp Jack is only used in collecting payments from your family and friends when organizing social activities. PayUp Jack is a group, person to person, money transfer platform.
PayUp Jack is not a digital wallet.
PayUp Jack is very secure.
For PayUp Jack to make this process easy, simple and secure, we must work with the requirements of Visa, Mastercard, and bank-level security. Therefore, we must use Canadian Bank grade security protocols.
PayUp Jack is a web-based platform, so, none of your personal or financial information is stored on your phone. As a matter of fact, we use an industry standard secure protocol and we do not even store any of your information on our servers. Any of your credit card information is stored behind a bank firewall, and we can only access it with our specialized hidden encrypted keys .
As a web-based platform, PayUp Jack uses a 256-bit encryption security protocol to protect and secure all information transferred to and from the banks and credit card companies.
In addition to our own high-level security protocols, we are supported by Visa and MasterCard’s security and fraud infrastructures and network.
It can be very frustrating if you lose your phones. Remember that PayUp Jack is a web-based platform, so, none of your personal or financial information is stored on your phone. Also, because it is web-based, you must sign into PayUp Jack in order to make requests and receive funds.
However, as a precaution, please do the following immediately:
- On another device, log-into PayUp Jack and change your password;
- Also, if you wish, contact PayUp Jack so we can temporarily lock your account;
You can also contact your service provider immediately and they will be able to assist you with securing data on your phone.
Also, if you are reading this before-hand, remember that most service providers have the ability to locate your lost phone, BUT, you usually have to sign up for the service before-hand.
PayUp Jack uses Graphical Validation to ensure money is requested and sent to the correct people instead of the traditional “what is my favourite colour?” approach.
The Social Organizer will initially select the graphic from an image library and communicate to the Payer, to validate the transaction, the correct graphic to select. The Payer will know what image to choose based on the communication—don’t worry about forgetting, PayUp Jack will also send you the graphic.
Money Requests - By Social Organizer
You will receive the money right away. The money will be transferred from your friends credit-card to your credit-card in REALTIME. With PayUp Jack, when Payers pay the Organizers, Organizers don’t have to wait 24 – 72 hours. Period . That’s right, Social Organizers receive payments as fast as you can say “PayUp Jack!.”
In exceptional times of high volume on the VISA Network, it may take up to 30 minutes.
Yes, of course, we keep you notified about your payments. You will get an email alert.
We feel your pain! We know that you have enough going on without the need of keeping track of payments! Not only do we notify you, but on your PayUp Jack dashboard, at one glance, Organizers will be able to track payments made by friends. You can view a PayUp Jack summary of transactions that will display how much has been received, what is still owing and by whom (i.e. it’s easy to see who is procrastinating!).
Let PayUp Jack be the bookkeeper, while you can focus on sharing in the good times!
Payers (your friends) DO NOT have to sign-up to PayUp Jack; they just need a valid email address.
We’ve made it easy for Social Organizers to get THEIR money! Only the Social Organizer needs to sign-up and be a member. The Social Organizer just needs the email address of all the friends (the Payers).
Your friends will receive a secure email with a link to make payment. The Payers select the link and make the payment with a Visa Card or VISA Debit Card, or a Debit card on the “Plus” Network (see the back of the card).
It’s all done with their email address!
Yes, there are limits set out by Visa and Mastercard that we must adhere to. They are:
- Minimum single transaction: $10
- Maximum single daily transaction, from person to person is: $2,500 CDN
- The maximum you can collect from 1 person using multiple transactions daily is: $10,000
- Maximum weekly transaction total: $500
- Maximum monthly transaction total: $1,000
- Maximum annual transaction total: $1,500
If you wish to exceed these limits please contact us at firstname.lastname@example.org.
We may require additional information, including a photo of your driver’s license (both sides) or passport (picture page). If you receive more than $1,000 of payments in any 12 month period you may be required to provide us with additional personal information, such as a copy of your passport, to ensure we comply with fraud and money laundering regulations. We will ask for these documents to be uploaded via a secure portal.
At any time, we reserve the right to ask for additional information if we detect suspicious behaviour on your account.
Payers (your friends or family) will receive a secure email with a link to make the payment.
Once the Payers select the correct graphical validation image, the Payers will then make a payment with their credit card or VISA debit card and the Organizer will receive the payment DIRECTLY onto their credit card or VISA debit card in REALTIME.
We take every security measure to ensure PayUp Jack is not being used for fraudulent purposes.
By design, you will be able to determine the validity of your request by who has requested the amount, the activity name and the notes attached with the request.
For example, if someone is requesting money from you for “next week’s baseball game”, and you know you are not going to a baseball game, then you know you’ve been spammed.
We encourage all Requests to be as specific as possible, especially in the Activity Title and Notes section.
Another way to determine spam is the graphical validation feature we use.
The Social Organizer will initially select the graphic from an image library and the Payer will be notified which image.
Yes! We call it the “PUJ-Nudge” [PUDGE-nudge]
How uncomfortable is it to ask for $163.72 over and over again?!
Use the PUJ-Nudge feature to avoid awkward reminders. Let PayUp Jack do the reminding for you by sending automatic and gentle notification reminders to the Payer.
The Social Organizer can suggest a due date, in the “comments” section, in the request process.
PayUp Jack also has automatic reminders using our PUJ-Nudge (“pudge-nudge”) feature, so, the app can do the reminding for you and take the awkwardness out of it.
All requests will expire in # Days
What’s the point of creating a money collection app if you can’t track payments! At one glance, Organizers will be able to track payments made by friends. You can view a PayUp Jack summary of completed and in progress transactions that will display how much has been received, what is still owing and by who (i.e. who is procrastinating!).
Let PayUp Jack be the bookkeeper, while you can focus on sharing in the good times.
It is very important that you ensure you have the correct email address. If you do not, you will not be able to collect your money.
However, you will be able to edit the transaction and update the email address of the friend who didn’t receive it.
For frequent requests, we suggest you add the friends email addresses to the contact list so they are easy available and accurate.
If you find a person is not responding after a couple of reminders, follow-up with them and determine if they received your request.
No. They cannot.
If they choose not to use PayUp Jack and pay you another way, you can still track their payment using PayUp Jack. What’s the point of creating a payment app if you can’t track payments?
Simple, go to Transaction Summary and expand the Social Activity you are tracking. Find the friend and select their name, you then have options to select as payment alternatives .
You can edit the transaction or change the credit card on your account?
Be sure that the email address is correctly inputted.
Payments - By Payer/Friend
Your friend or contact should:
1. Ensure the credit card information they inputted is accurate: name, exactly as it appears on the card, credit card number and CVV;
2. Ensure the card has not expired;
3. Call the credit card company to ensure it has not be compromised during a previous transaction.
After your friend has done this, please contact PayUp Jack for further assistance.
Your friend or contact should:
- Ensure the credit card information they inputted is accurate: name, exactly as it appears on the card, credit card number and CVV;
- Ensure the card has not expired;
- Call the credit card company to ensure it has not be compromised during a previous transaction;
After your friend has done this, please contact PayUp Jack for further assistance.
As a security feature, you are locked out for 15 minutes. After the 15 minutes has expired, you can try again.
PayUp Jack is a web-based platform, so, you can use PayUp Jack with ANY device (including a good ol’ fashioned desktop computer) with an up-to-date web-browser and WIFI or Mobile Data connection.
We designed it this way to make it user-friendly; after-all, who wants to download ANOTHER app from Google Play or Apple App Store. Right?!
PayUp Jack uses Visa credit cards and Visa debit cards or any debit card on the “PLUS Network” (see back of card) to accept and make payment.
We will be adding Mastercard as soon as they are ready.
Yes, you can use Visa Debit Cards to accept or and debit card that is on the “PLUS Network” (look on the back of the card).
Check your email inbox for the “request” from your friend, the image is identified in this email.
Otherwise, you can contact your friend by email, text or phone and ask them to resend the request and ask them what the image is.
No. Adhering to Visa’s security protocols, PayUp Jack does not support pre-paid cards or gift cards.
On your PayUp Jack Dashboard, click on the Credit Card image. That will bring you the page to “+Add a Credit Card”, then fill out the fields.
We would be sad to see you go!
However, you can certainly cancel your account with us at any time by requesting an account cancellation at the following address:
Didn’t find the answer to your question?
For additional help or questions, please contact the following email addresss between 9:00am to 6:00pm, Monday - Friday.