Auto-reload FAQ

The ten questions we get asked most often, in plain English.

1. Can I get a refund on an auto-reload charge?

A top-up isn't a purchase of goods, so it isn't refundable in the usual sense — the money lands as gift-card balance you can spend. If you cancelled auto-reload but a final charge already went through, contact the merchant to either refund to source (rare) or leave the balance on your card to spend later.

2. What if the charge happens partway through a billing month?

Auto-reload charges are one-shot, not pro-rated. Each cycle is fully paid for at the moment it triggers. If your card's expiry date is in the middle of a cycle, the balance just stays on the card past the cycle — it doesn't get clawed back.

3. Can I have auto-reload on more than one card?

Yes. Each card has independent auto-reload settings. You can be auto-reloading your favourite cafe at $50/month, your local bookshop at $25/month, and a salon at "top up $30 when balance < $10" — all from the same wallet.

4. Which currency does it charge in?

The merchant's currency. If your card on file is in a different currency, your bank applies its standard FX rate (we don't add a markup). The amount in your currency is shown on the confirmation screen before you turn auto-reload on, and on every receipt.

5. Are there taxes on auto-reload?

Generally no. Gift-card top-ups are not taxed in any of our markets — tax is collected when the balance is spent on a product or service, not when it's loaded. (See docs/tax-model on our docs site for the technical breakdown.)

6. What happens if the merchant closes their store?

If a merchant deactivates their ReloadCard account, all auto-reload subscriptions for that merchant are cancelled automatically. You get an email. Your existing card balance stays spendable for the legal expiry window in your jurisdiction, and (if the merchant has cross-store transfers enabled) you can transfer the balance to another store on the network.

7. What if my gift card expires?

Topping up generally resets the expiry clock — so an active auto-reload subscription effectively keeps the card alive forever. If the card is already expired before the next charge, auto-reload pauses and you'll get an email.

8. Can I change the top-up amount?

Yes — open the card → Auto-reload → Change amount. The new amount applies from the next cycle. The current cycle, if any is in flight, completes at the old amount.

9. Can I change the trigger from monthly to low-balance (or vice versa)?

Yes, same flow as changing the amount. Auto-reload → Change trigger. You'll see a confirmation summary before saving.

10. Will I be told before each charge?

Yes. We send a heads-up email 3 days before every scheduled monthly charge, and a receipt immediately after. Low-balance triggers don't get advance notice (the whole point is they fire when you need them) — you get a receipt.

What is auto-reload?
How to cancel auto-reload
Auto-reload bonus terms
Suspended auto-reload — what now?
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