Get all the answers Frequently asked questions

  • About Irving Debit Pay
  • About My Account & Security
  • About Fees and Charges
  • What is Irving Debit Pay?

    Irving Debit Pay is a secure and convenient way to pay at Irving locations. By linking your checking account to your Irving Rewards card, you get the convenience of paying for your purchases without annual fees or finance charges. Plus, you’ll instantly save on every gallon.

  • What are the benefits of Irving Debit Pay?

    As a member, you’ll receive an instant price rollback on every gallon of gas purchased. There are no enrollment fees, annual fees or finance charges. Additionally, there will be no impact on your credit rating.

  • How do I link to Irving Debit Pay?

    To get started, pick up a rewards card at a participating Irving or Circle K location. Click here to sign up.

  • How do I use Irving Debit Pay?

    Using the card is easy. Use it the same way you use any other debit card at the pump. You may also pay for purchases in the store.

  • How long does it take for the payment card account to become active?

    Once you have enrolled, your account will either be activated immediately, or you’ll be sent an email with instructions for verification. If you are not activated immediately, the information that you provided will undergo a bank validation process. This process could take up to (3) business days after the enrollment date. If additional information is needed, 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 payment function. This step requires you to confirm two small test transactions that we post to your account for verification purposes.

  • Can I share my account with someone or add another card to my account?

    Yes. If you obtained your original card from your local store, please pick up another card and call us to activate it.

  • Where can I learn more about the Irving Rewards program?

    For more information and list of FAQs about the Irving Rewards program, click here.

  • Is my information secure?

    The security of your data is very important to our business. Except for providing information to participating merchants, we do not resell or disclose any information to a third party. Your enrollment data is kept safe in our secured database servers. If you have enrolled in the payment program, the data you have provided is required to enable us to verify and link your information to your payment program account to be able to perform ACH debit transactions. All bank information and PINs are encrypted as soon as your enrollment is submitted.

  • Why do you need my driver’s license information to enroll in the payment program?

    Your participating merchant wants to provide you with a convenient way of paying for gas at a lesser price and also to pay for items inside their store. It is important to recognize that you are issuing an electronic check when you use the payment program for payment. This is no different than writing a check at the supermarket and being asked to show your driver's license as an ID. When you enroll in the program you voluntarily provide certain information to ZipLine in order to participate in this program. No information will be taken from the magnetic stripe on your driver license and the driver's license will be used only to verify your identity as a participant in the program.

  • Why do you require the last four digits of my social security number with enrollment?

    When you enroll in the payment 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 our business. 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 do you need my email address?

    Your account must be registered so that you can redeem your rewards and/or use it as a form of payment. An email is required for account registration. You will also receive an email receipt for each purchase that you make using your payment program account. Your email address also becomes your login to our member website where you can manage your payment account information, view your transaction activity and/or change your PIN if needed.

  • I saw a small deposit and withdrawal in my bank account, what is this?

    ZipLine 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 the USER ID/PIN with the payment program the same as my current bank account PIN?

    No. The User ID/PIN that you select can be any 4-digit number and does not have to be the same account 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.

  • How do I change my PIN/ID?

    You may change your PIN by logging into the member website or the member link provided on your merchant’s website. Once you log in, you will need to click on your card/mobile number, then select the “Update My PIN” option. If you forgot your current PIN, then click on “Forgot PIN?” and follow the directions to reset your PIN to whatever new PIN you want.

  • 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. If you picked up your original card at a store location, you will need to pick up a new card and call Customer Service (see number below in footer) 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.

  • I lost my card, what do I do?

    You should log into the member website or the member link provided on your merchant’s website, 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 to have the replacement card added to your account.

  • Are there any fees to enroll or to use the programs?

    Currently, there is not an enrollment fee and we do not charge a fee to the consumer for the use of the rewards or payment programs. Your payment 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 through this payment program?

    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 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 payment program will be deactivated until you make good on your purchase. Returned transactions also result in a “Return Fee” permissible by state laws. ZipLine, or their assigned agents, will try to electronically collect the face amount of the transaction and the associated Return Fee on two attempts. 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.

  • Are there any limits on my payment account?

    Yes. Transaction velocity/usage limits vary. Please call Customer Service to find out what your usage limits are. This policy was last updated on: 11/29/2018

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Always Secure

Your security is our priority. To ensure your protection, your Irving Debit Pay card is managed by ZipLine, a leading private label debit processor employing state-of-the-art firewall and other comprehensive security methods in accordance with the rules and regulations of the Federal Reserve.

All personal data is encrypted in real time, and every transaction is PIN protected. ZipLine monitors and limits exposure to fraud, so you’ll never be held liable for unauthorized transactions on your Irving Debit Pay card.

For more information, click here.