Merchant FAQ
How much does ReloadCard cost?
There are no monthly fees. ReloadCard takes a 5% commission on each transaction (card activation, top-up, transfer, or gift). You keep 95%.
Do I need Shopify?
No. ReloadCard works with any store via our Open API. Shopify merchants get automatic gift card sync, but non-Shopify merchants can use the API for full functionality.
How do consumers pay?
Via Stripe Checkout — supporting Apple Pay, Google Pay, and all major credit/debit cards. Payments go directly to your Stripe Connect account.
What happens when a consumer transfers balance OUT of my store?
The original payment transfer is reversed — the funds return to the platform via Stripe Connect. You return money for goods you didn't deliver. Your gift card liability decreases and your balance sheet is clean. You keep all profit from purchases the consumer already made.
What happens when a consumer transfers balance INTO my store?
You receive real cash in your Stripe account (the transfer amount minus 5% platform fee). A gift card is created at your store for the consumer. Think of the 5% as a customer acquisition cost — you gained a new customer with guaranteed spend.
Are there fees on transfers?
The destination store pays a 5% platform fee on incoming transfers. The source store pays nothing. Consumers see zero fees. Transfer reversals and settlements are processed at no additional Stripe cost.
Can I disable transfers?
Yes. Go to Settings → Reload Network and toggle transfers off at any time. Existing cards and balances are not affected.
How do physical cards work?
Order custom-branded cards from the merchant dashboard. Cards have QR codes that link to the ReloadCard platform. When scanned, consumers are guided through the activation flow.
Is there a minimum or maximum card value?
You set the min/max amounts for your store (default: $5 min, $500 max). Consumers choose an amount within your range.
How do I handle refunds?
Use the Store Credit API to issue credit to the consumer's wallet. Or use the Card Credit API to add balance back to their card.
What about fraud?
Stripe handles payment fraud detection. ReloadCard adds rate limiting, KYC verification tiers, and transaction monitoring for suspicious patterns.
Can I use ReloadCard with my existing gift card system?
For Shopify merchants, ReloadCard creates native Shopify gift cards — they work in your existing checkout. For other platforms, ReloadCard IS the gift card system.
Do gift cards expire?
Gift cards are valid for at least 3 years from purchase in NZ/AU, and 5 years in the US. Expiry dates are shown to consumers on their card detail page. Check your local gift card laws for specific requirements.
Can merchants sell pre-loaded cards?
Yes. Order pre-loaded cards with set denominations. They ship ready to sell at POS — no activation step required for the consumer.
How do cross-currency transfers work?
When a consumer transfers balance between stores in different countries, the app fetches the current exchange rate and shows the converted amount before confirming. The destination store receives funds in their local currency.
Can I void a batch of cards?
Yes. From the merchant dashboard, you can cancel a batch before production to void all cards, or disable all cards in an already-distributed batch at once. Disabled cards trigger webhook events so your systems stay in sync.
How do webhooks work?
Register webhook endpoints via the API (POST /api/v1/webhooks) or from the merchant dashboard. ReloadCard sends HMAC-SHA256 signed POST requests to your URL for events like card.activated, card.reloaded, card.transferred_in, card.transferred_out, card.balance_changed, and card.disabled. Failed deliveries are retried up to 3 times.
What is an idempotency key?
An idempotency key is a unique string you include in the Idempotency-Key header when calling the debit or credit endpoints. If a network error occurs and you retry the same request, the key ensures the operation is only processed once. Cached responses expire after 24 hours.
How do I get support?
Email support@reloadcard.app or check this documentation.