Using Your Virtual Card

I have downloaded the ImageNPay app, now what do I do?

Great! Now you can see our catalogue of card designs for you to use. However, before you start using the card you must top up via your debit card. We issue your virtual prepaid card instantaneously at just £4.99, so you don’t need to wait for a card to arrive in the post. Plus, there is no plastic involved, so thumbs up for making your contribution to reducing your carbon footprint!

Where can I see my transactions?

For transactions go to Go to My Card –> Transactions.

How much can I spend with ImageNPay Card?

The standard ImageNPay card has a spending limit of £120 per month or £1440 per year. But the ImageNPay Plus Card which allows you to spend considerably more, £8700 per month. Find out more about ImageNPay+ here.

Does the card have a credit limit?

No, ImageNPay is not a credit card. You can only spend the amount of money that you have on your virtual prepaid card account.

What if the amount of my purchase is more than my available balance?

In this case, your purchase will be declined, and you will need to add additional funds to the card account. You may also be charged Decline Fee @ £0.50 per transaction.

Can I use my card abroad?

Yes, you can use your ImageNPay virtual prepaid card internationally. Head to our fees FAQs for more information on international charges.