Prepaid cards are accepted but they are problematic due to the nature on how these cards work at the processors end, as they over authorize the transaction amount. Here are some key details and a job aid attached.
- The check total and tip cannot exceed the value of the card (this can be a problem if the guest has utilized the card previously and the value is less than the value printed on the card)
- The Visa prepaid (and only the visa) requests for 20% more than asked for (like a credit card); so, if the card is for $100, and the guest check is for $99.99, then it will be declined: the most a store can put through would be $80.
- Some of these cards automatically charge a monthly fee which decreases the amount available to use.
Job Aid for Pre Paid Credit Cards