Secure Payment Card with Instant discount at the pump!
how to Enroll
1. Pick Up a Card
3. Save
Please Note:
This is NOT a credit card. Enrolling does not affect your credit score.
STATIONS
How Does it Work?
It works by attaching your bank account to your Quality Oil Super Saver Card.
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- This is done through the secure online enrollment.
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- Your Quality Oil Super Saver Card will function like an electronic check, similar to a debit card.
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- Each time you use your card, you will receive an email detailing the transaction.
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- This is not a credit card. Enrolling does not affect your credit.
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- The requirements are a Quality Oil Super Saver Card, a U.S. checking account, an active email address, your driver’s license, and you must be at least 18 years old.
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- You’ll get an instant discount on every fuel purchase on the Quality Oil Super Saver Card
Enrollment
FAQ
What is a payment card account?
A payment card account is a loyalty/rewards card that has been authorized to conduct an ACH debit transaction. It is a form of an electronic check with a secured User ID (PIN) for verification and security. You link your bank account to the payment card or mobile app and use it for payment at participating locations.
Is my information secure?
The security of your data is very important to us. Except for providing information to participating merchants, we do NOT resell or disclose any information to a third party. The data you have provided is required to enable us to verify and link your information to your payment card account to be able to perform ACH debit transactions. Your enrollment data is kept safe in our secured database servers. All bank information and PIN’s are encrypted as soon as your enrollment is submitted.
How is my payment card account used for payment?
ZipLine (NPCA) has technology that enables you to link your checking account and a Personal Identification Number (PIN) with your payment card account so you can pay for goods and services at any Quality Mart, Quality Plus, or GOGAS locations. Once you activate your account, you may use your card as your method of payment. An ACH debit transaction, for your total transaction amount, will be submitted to your bank account within the next three (3) business days.
Can I have multiple payment cards use the same checking account?
Yes! Pick up another card and call 877-403-2222 to have it added to your existing payment card account.
If your original card was mailed to you by your local merchant, please contact us to request that additional card(s) be mailed to you.
Why do you need my driver license information?
We use your driver’s license to confirm your identity and verify the bank account information you provide. No information will be taken from the magnetic stripe, nor will a database be created.
Your license is used solely for identity verification.
Why do you require the last four digits of my social security number with enrollment?
When you enroll in the program, the last four digits of the social security number are used for: identity verification purposes (in addition to the other information you provided during enrollment), an account security question and to protect you against fraud.
The security of your data is very important to us. Except for providing pertinent information to the participating merchant, we do not resell or disclose any information to a third party. Your enrollment data is kept safe in our secured database servers. This information is encrypted as soon as your enrollment is submitted.
Why use an ACH payment card account rather than a regular debit card?
Debit cards and credit cards are forms of payment that carry large merchant fees from the banking and credit card industry. These charges are transparent to the consumer. However, these charges limit the ability of the merchant to pass rewards directly to you. The payment card program allows merchants to pay lower processing fees for these ACH transactions which enable them to reward you.
Why are you able to reward me for using this payment method?
By using this form of payment, you help the retailer avoid high credit and debit card fees, allowing them to pass the savings directly to you through rewards. Your payment works like an electronic check, securely transferring funds from your bank account. This benefits both you and the retailer — a true win-win.
What is an ACH debit transaction?
The Automated Clearing House (ACH) Network is a highly reliable and efficient nationwide batch-oriented electronic funds transfer system governed by the NACHA Operating Rules that provide for the interbank clearing of electronic payments for participating depository financial institutions. The Federal Reserve and Electronic Payments Network act as ACH Operators, central clearing facilities through which financial institutions transmit or receive ACH transaction entries.
An ACH debit is also known as an electronic check transaction. There is a slight delay in processing these types of transactions to bank accounts. Think of it as writing a check, but it happens electronically. These types of transactions typically take 1 – 3 business days to post to your bank account.
Examples of ACH payments include:
- Direct deposit of payroll, tax refunds, Social Security and other government benefits
- Direct payment of consumer bills such as mortgages, loans, utility bills and insurance premiums
- Business-to-business payments
- E-checks
- E-commerce payments and Federal, state, and local tax payments
How long does it take for the payment card account to become active?
Once you have enrolled, the information that you provided will undergo a bank validation process. This process could take up to three (3) business days after the enrollment date. You will be notified of the activation step and program details through subsequent email messages. You are responsible for completing the bank verification step in order to activate the account. This step requires you to confirm two small test transactions that we post to your bank account for verification purposes.
I saw a small deposit and small withdrawal in my bank account, what is this?
ZipLine (NPCA) validates your enrolled bank account information to ensure that we have the correct account number, the account is open, and most importantly that the account belongs to YOU. We do so by submitting a deposit and withdrawal to your bank account. These “challenge” transactions are a test to confirm the validity of the account. The enrolled payment card account is not activated until this bank verification process is completed. You must confirm these two amounts once they appear in your account. A “Verification” email will be sent to you, upon enrollment, which explains this activation process.
Is this USER ID/PIN the same as my current Bank Account PIN number?
No. The User ID (PIN) that you select can be any 4-digit number and does not have to be the same as the current PIN that you use with your ATM or Web ID to your bank account. It is important to remember your PIN in order to use this method of payment.
Are there any fees to enroll or to use this payment method?
Currently, there is not an enrollment fee and we do not charge a fee to the consumer for the use of your payment card account. Your payment card account may be subject to an annual maintenance fee which would be properly disclosed at enrollment and/or prior to any fee amount being debited from your bank account. Also, your bank may charge fees relating to the ACH withdrawal of money from your checking account. Check with your bank for specific details. We do, however, charge a Return Fee in the event that your bank returns a transaction unpaid. For this reason, we recommend that you have Overdraft Protection on the account used for your payment card transactions to potentially avoid additional return fees.
Do I get charged by my bank for an ACH transaction?
Most banks do not charge for ACH transactions submitted to a CHECKING account. This is the same method that is currently used for paying mortgage payments, car payments and any authorized debits from your bank account. It is possible that some banks may charge a monthly fee for such services so please check with your bank for details. Charges will apply from your bank and from ZipLine (NPCA) if your transaction is returned as unpaid (NSF, Account Closed/Frozen, etc.). Our return fee will be the maximum amount permissible by state law. This fee is separate from any fees that your bank may impose for such returns. We recommend that you have Overdraft Protection on the account used for your payment card account transactions.
If I conduct a transaction and I do not have sufficient funds in my account, what will happen?
First, you should not conduct a transaction if you are aware that you do not have sufficient funds to cover the face amount of the transaction. If you do, the transaction will be returned by your bank and your card will be deactivated until you make good on your purchase. Returned transactions also result in a “Return Fee” permissible by state laws. ZipLine (NPCA), or CHECKredi, will try to electronically collect the face amount of the transaction and the associated Return Fee on two attempts. I agree and authorize CHECKredi to contact me by U.S. mail, at my residence phone number, place of employment phone number and cellular phone number by means of a telephone call, a dialer or a text for the purpose of collections. I also agree to receive email communications from CHECKredi regarding my returned items for the purpose of collections. In the event that the company cannot collect through normal electronic means, your account will be flagged and referred to a collection service and your membership may be cancelled. We recommend that you have Overdraft Protection on the account used for your payment card account transactions to avoid additional return fees. By having Overdraft Protection with your bank, you may avoid our fees for any returned transactions.
How much of a reward will I receive for using this payment method?
By using your Super Saver Card you will save 10¢ per gallon.
The rewards offered may also vary from the amount at the time of your enrollment. Rewards are subject to change without notice by location and at the merchant’s discretion.
Where can I use my Quality Oil Super Saver Card?
You can use your Super Saver card at any Quality Mart, Quality Plus, or GOGAS locations. Both at the pump or in store. Click here to see our locations.
Are there any limits on my payment card account?
Yes. Use is a maximum of $100 per transaction, $150 daily (4 transactions per day), and $500 weekly (12 transactions per week).
I lost my payment card, what do I do?
You should log into the member website here to report your lost/stolen card. This will immediately deactivate the card. Depending on your specific card program, you may pick up a new card at a participating location and call Customer Service at 877-403-2222 to have the replacement card added to your account.
How do I change my PIN/User ID?
You may change your PIN by logging into our website here. You will need to click on your card/mobile number then select the Update My PIN option. If you forgot your PIN, click on the “Forgot PIN?” link at member login screen. A temporary PIN email will be sent to you with explicit instructions for resetting your PIN.
The magnetic stripe on my card is worn and does not work, what can I do?
It will be necessary to replace your payment card if the magnetic stripe does not work. You will need to pick up a new card and call Customer Service at 877-403-2222 to add the new card and turn off the damaged card. If your card was mailed to you, please contact us to request a replacement card be mailed out.
Why is an email address required?
Our system relies on email communication to all customers. The important activation step is emailed to you upon enrollment into the program. You will also receive a friendly reminder email for each purchase that you make using your payment card account. Your email address also becomes your login to our member website where you can manage your payment card account information, view your transaction activity and/or change your PIN if needed.
Questions?
Contact customer service at 877-403-2222