DiviPay is a mobile app that enables groups of people to create a shared virtual bank card. Each member of the group loads money onto the virtual card which can be spent online or in-store.
Virtual cards work just like a pre-paid debit card. Simply load funds onto your card and start spending, you can top up your card as many times as you like. With the virtual card, you can set transaction limits and lock cards to specific merchants.
The DiviPay app will be released shortly. Create an account at www.divipay.com and you will be notified as soon as we launch the app. In the meantime, you can use our web based beta version to create groups, generate cards and make online purchases.
Create personal one-time use or reloable cards to protect your security and privacy when shopping online.
Using a DiviPay card for online purchases means you never expose your personal bank card details to online merchants. See below for how DiviPay keeps you safe whilst shopping online.
Create a DiviPay card for purchases you make frequently at trusted merchants. If this card ever becomes compromised your personal bank details are not exposed and you can simply delete the associated DiviPay card.
Create a single use DiviPay card if you are shopping with a new merchant for the first time or don’t entirely trust the website. A single use card will be closed upon completion of the first transaction and cannot be used again. This means after your first transaction the merchant will not have access to any of your active payment information.
Use a DiviPay card when signing up for subscription services. The DiviPay cards puts you in control, by setting the total limit for each transaction you ensure you will never be charged more than expected. With a DiviPay card you also have the ability to stop or pause the card at any time, meaning the service provider won’t continue to charge you for a service you no longer want. If you only want to trial the service or want a single subscription item you can use a DiviPay single use card, meaning the merchant won’t be able to charge you again after the first transaction.
When you download DiviPay you will be asked to link your personal debit or credit card. To add funds to a group card simply enter the amount you would like to add via the add funds button.
As many groups as you would like!
Buying things online with a DiviPay group card works the same as your usual bank card. Simply enter the Card Number, Expiry Data and CVC number displayed on your group card at the check-out page. You can use any of the group members name and address for the name and address fields.
Pressing the Apple Pay logo or Android Pay logo on the Pay Now page of the app will link you through to Apple/Android Pay on your device. You will see your selected DiviPay card loaded, from there, all you have to do is tap your phone on the merchant’s payment terminal.
We are currently working hard to offer you the full experience and integrate mobile payments into the DiviPay app. We will let you know as soon as mobile payments become available.
DiviPay is used by groups both big and small. Groups are generally made up of 2-4 people, however we’ve seen groups as big as 50 people! DiviPay is great for roommates, friendship groups, sports teams, couples, families, work colleagues, university groups and more.
Groups are using DiviPay to pay for dinner, drinks, Netflix accounts, flights, accommodation, birthday presents, rent, internet bills, groceries and much, much more. Name a bill or expense and you can bet that people have used DiviPay to pay for it.
Yes. Simply create a new group and don’t invite anyone else. Individual virtual cards can be created to protect your security and privacy whilst shopping online.
DiviPay takes security very seriously, our virtual card is supported by Mastercard security processes. We also we use PCI-DSS level 1 compliant payment providers to ensure your details are always safe.
No, you will always be notified when a payment using your group card is made. You can also set a number of controls on a group level basis, placing transaction limits and approvals for all purchases.
DiviPay is currently free to use.
Yes, at the moment each user can only store $1,000 on DiviPay at any one time. This means that a group with 5 members can only load a maximum of $5,000 onto a single card.
No there is no limit on the amount you can spend, as long as you do not store more than a $1,000 at any one time.
Your portion of the remaining group balance will be transferred back to your funding source when you leave a group. You can find the leave group option via the settings button on each group card.
In the case you wish to withdraw remaining amounts on your virtual card we will deposit the balance back onto your funding card. We may automatically close cards that have been inactive for over 60 days. So, you’ll get your money back even if you forget to ask for a refund. We will notify you via email ahead of time in this event.
If a merchant issues a refund, it will go directly back to your DiviPay Card. Refunds are dependent on several parties (including the merchant), so it can take several business days for a refund to appear on your card. Please contact firstname.lastname@example.org if you would like to refund any remaining balance on a DiviPay card to your funding card.
If you are using a group card please use the full name of one of your group members associated with that card.
By default, charges will show up on your bank statement as “ASM * DIVIPAY ‘group-name’".
We recommend always trying to resolve the issue with the merchant prior to issuing a chargeback - merchants would almost always prefer to resolve the issue without a chargeback. In the event that you have tried to contact the merchant and have been unable to reach a resolution, you can dispute the transaction in contacting us at email@example.com. We will act on your behalf and conduct the chargeback.
We are currently only available for download in Australia. However, you can use your DiviPay cards anywhere in the world. We offer you a zero percent exchange fee so you can make purchases around the world in the local currency at a great rate!
When prompted select credit.