新版 PPP 电子卡如何操作? (PayPower Prepaid Digital Card)

【2023.09.28 更新】根据PH提供 DP:目前最简单方法是直接注册电子卡,然后充值。 下文中所有使用实体卡跳过在线充值这一步骤,已经不可以了。


作为加拿大最容易上手 MS 手段 – PPP 大法, 旧版 可充值黑色卡已经断了有些日子。 新版的数字可充值的绿色卡 可以使用,但刚开始接触 PPP 的新手还是有些犹豫,群里讨论依然很多,于是特地请 Lexie 分享一下她的新版 ppp 的申请和使用。

延伸阅读 什么是PPP? 它的原理是怎样?

延伸阅读 浅谈 Manufactured Spending (MS)

使用新版PPP

第 1️⃣ 步:注册 PPP 账户,申请 reloadable digital card (绿色那张)

第 2️⃣ 步:充值

如果像 Lexie 一样 是从超市买了 ppp 实体卡 再申请 digital card,则可以直接 in-store 充值 目前不可以了

如果直接注册 ppp 申请 digital card,需要在线充值 $20 (⚠️ 在线 无 Amex 选项)

接下来 充值都是选择 in-store -> other locations , 这样就会生成一个条形码,和老版实体卡一样操作。
⚠️ 这个条形码不会变, 截屏保存下来即可。

第 3️⃣ 步,billpay 或者添加到 数字钱包 直接消费使用

PPP 额度限制

产品图案or+
LimitsPowerPower ReloadablePower PlusNon-Reloadable PayPowerDigital Reloadable PayPowerReloadableLinked Cards (Digital+Physical)
Maximum Card Balance$500$2,500$10,000$500$10,000$10,000Shared Balance $10,000
First Load Limit$20$20$20$20$20$20$20
Maximum Load to Card per transactionIn-storeN/A$500$500N/A$500$500$500/card
Online credit/debitN/A$500$500N/A$500$500$500/total
Interac e-Transfer®N/A$500$3,000N/A$3,000$3,000$3,000 total
Direct DepositN/A$2,500$10,000N/A$10,000$10,000$10,000 total
Maximum daily combined load limit$500$10,000$10,000$500$10,000$10,000$10,000 total
Maximum daily spend at point-of-sale$500$2,500$10,000$500$10,000$10,000$10,000 total
Maximum daily ATM withdrawalN/A$250$500N/AN/A$500$500 total
Maximum number of daily ATM withdrawalsN/AUnlimitedUnlimitedN/AN/AUnlimitedUnlimited for physical card
Maximum daily combined spend and cash withdrawal$500$2,500$10,000$500$10,000$10,000$10,000 total
Bill PayMaximum number of Bill Pay transactions per 24 hoursN/A55N/A555 total
Maximum daily Bill Pay cumulative amount (per 24 hours)N/A$1,000$1,000N/A$1,000$1,000$1,000 total
Maximum number of Bill Pay transactions per 7 daysN/A1010N/A101010 total
Maximum cumulative Bill pay amount per 7 daysN/A$2,500$2,500N/A$2,500$2,500$2,500 total
Maximum number of Bill pay transactions per 30 daysN/A1515N/A151515 total
Maximum cumulative Bill pay amount per 30 daysN/A$5,000$5,000N/A$5,000$5,000$5,000 total
Maximum Card-to-Card transfer limit per transactionUp to $500Up to $2,500Up to $10,000Up to $500N/AN/AN/A

PPP 收费标准

产品图案or
Fees1PowerPower ReloadablePower PlusNon-Reloadable PayPowerDigital Reloadable PayPowerReloadable PayPower
Card purchase fee$9.95 + applicable taxN/AN/A$9.95 + applicable tax$2.50$10
Monthly Inactivity Fee. If your card is not converted to be reloadable and a balance remains after the 12th month from the date of activation, this fee will apply.$2.50N/AN/AN/AN/AN/A
Monthly Maintenance FeeN/A$4.95$4.95N/A$1$3
Load FundsIn-storeN/A$6.95$6.95N/A$6.95$6.95
Online creditN/A$4.95$4.95N/A$4.95$4.95
Online debitN/A$3.95$3.95N/A$3.95$3.95
Interac e-Transfer®N/A$1$1N/A$1$1
Direct DepositN/AFREEFREEN/AFREEFREE
Spend fundsForeign Exchange on purchases and refunds3% of the converted transaction amount3% of the converted transaction amount3% of the converted transaction amount3% of the converted transaction amount3% of the converted transaction amount3% of the converted transaction amount
Bill PayN/A$1.95$1.95N/A$1.95$1.95
Card to card transfer (from my non reloadable card to my reloadable card)​FREEFREEFREEFREEN/AN/A
Withdraw funds​ATM2 (Canada)N/A$1.95$1.95N/AN/A$1.95
ATM2 (International)N/A3.95$ + 3% of total transaction3.95$ + 3% of total transactionN/AN/A3.95$ + 3% of total transaction
Card Inquiriesvia e-mail alertsFREEFREEFREEFREEFREEFREE
via ATM2N/AFREEFREEN/AN/AFREE
via IVRFREEFREEFREEFREEFREEFREE
via live agent (per call)FREEFREEFREEFREEFREEFREE
Card replacement (lost, stolen or damaged)$10$10$10$10$2.50$10
Card refund / cancellation cheque balance fee$10$10$10$10$10$10

讨论

参考上面表格,新版数字卡 上限 $10000, 月费 $1, 每次充值手续费 $6.95, 每次 billpay 手续费 $1.95; 相比于老版 reloadbale, 月费便宜了

根据群里讨论和 lexie 自身实操,digital card 充值是没问题的; 最近在 Save on food 充值,小二说没见过,但坚持告诉他是新版,扫一下就可以了,小二也是可以操作的。 但也有一些 DP 显示,有些店小二不给数字条形码充值。欢迎大家报一报自己的 DP,也欢迎讨论各种 PPP 相关问题。

配合 PPP MS 信用卡选择

想要自己摸索,可以参考博客总结 🇨🇦 加拿大信用卡高倍返利消费类别总结

懒人包 看博客推荐以下几张卡

关键字:加拿大信用卡,加拿大 PPP,PPP 新版绿色卡,PPP 新版 digital reloadable card

lexie

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