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Thanks LilyPily so when entering my details on paypal. Where it says name on card I do the name associated with the card not "valued cardholder".

I'm probably not supposed to thank you via post but this is such an astounding break through for me THANK YOU SO MUCH FOR THE INFO.

This VISA card is pleasantly unique because it can be reloaded via BSB and account number. This is awesome. This will solve so many of my problems. Thank you kindly.

Anybody else tried to register a new account with one of these in the last week? Used them successfully plenty of times in the past, but now each account I've made this week has gotten limited as soon as I attempt withdrawal.

I've had a heap restricted over time I they were connected to each other so my fault I guess not enough money in them to complain about though,,

No, I mean Paypal is limiting them. I also couldn't add it as my way to pay for eBay seller fees anymore, although that may have been a site error as it's happened before. If not then they've caught on to these cards.

I have just signed up to paypal with one of these cards, as in pp has accepted the deposit amounts it put in. Not tried anything else with it yet.

Craigoau -do you mean the card was restricted so any money on it you lost? or your pp/ebay account was restricted?

Let me know how it goes once you attempt a withdrawal. The deposit amounts came through fine with mine as well.

And he means the actual card is restricted. You have to go through a process when that happens, have to call them up and chase them up about it and they'll 'get back to you' in 6 or so days about it, although they forgot to get back to me when I had one of mine restricted and it took almost a month... it only happened once when I withdrew $500 at midnight from an ATM, but they claimed it was the paypal deposit amounts that set off the restriction which is bull**** because I've done plenty more and nothing ever happens. And I never bother to change ips when I register or login to check the balance on them so not sure what he means about them being connected being a problem?

Yep it was the card itself that was restricted I have had it happen quite a few times. I believe they do not like it when you get money in and then hit the ATM if you go shopping with the card it seems to last longer (they make more money from you when you go shopping).
I got the story of the Paypal deposits which could be right as the minimum load/deposit is supposed to be $20 not a few cents but I have opened quite a few accounts and not had problems.
I used the same phone number for each account (I open accounts for friends overseas and had spoken to Load and Go about this and they said it was cool) recently all the cards linked to the same phone number were restricted. I can not be bothered chasing them up on it all accounts were slightly in credit and nothing 'naughty' going on so I just put I put it down to experience.

the money I moved from paypal to L&G has gone on fine - or did you mean a withdrawal from the load and go card? If so I may be waiting a long time to find that out as its my eldest's card that I put money onto- although online stuff has been bought with the card since.

Okay that's good. No I just meant withdrawing an amount from your Paypal account into your Load and Go 'Bank account'.

yep, all fine and dandy. Done from my real account .L$G also had a different name and phone number to paypal but same address.

I have bought heaps of load an go cards, every single time I have been asked for id, they wont issue you one without it, trust me I have tried

I agree.

This is a state thing, I am sure.

Those of us with a coat hanger in the harbour have this problem.

Does not seem to happen in other places.

I prefer entropay still.

:mad:

I have an update, I just spoke AUS POST and the guy told me they shouldn't ask you for ID and if they do tell them its only on the Load and GO travel, I told the guy I have bought a few on them and they always ask for id, he asked for the postcode looked up the post office and sent them through a copy of the Terms and Conditions for the different Load and Go cards, looks like tomorrow I will be heading into town to get some hassle free load and go cards.

PS Do you have any problems transferring your cash from Entropay to your real bank account, ie can Paypal find out or reverse charge ??.

Re: Aus Post Load and Go cards.
 

Don't need id where I am -just a phone number =although not had to use that yet -so not too sure yet what that's for? But the sims are in the bin by the tills anyway -no id needed there either

Re: Aus Post Load and Go cards.
 

Just bought 3 of these L&G cards today at 3 different post offices and was not asked for ID once (Sydney). If they ask for license just say you left it at home or you do not have one because on the product terms and conditions list it states that you can buy one with out ID regardless of which state you are in.

Just a question for people who already operate with these cards. When you link these cards to your Paypal, do you verify it as a credit/debit card or a bank account card?

If you link it to your Paypal as a credit/debit card, are you still able to withdraw money from the card at ATM machines?

Re: Aus Post Load and Go cards.
 

For those who are using L&G cards as your linked bank account with paypal, how much money can you go through each month?

Cause I think there are limits on the amount of money for each card right?

Also when you adding the BSB & Acc number on PayPal, what do you write as a bank?

Re: Aus Post Load and Go cards.
 

Can you withdraw money from PP onto Entropay, and then transfer the money to your bank account?

Re: Aus Post Load and Go cards.
 

I know the withdraw limits. Maximum of $500 per day and $5000 maximum per month. Not too sure about spending limits.

I actually rang up the L&G card helpline number and they said just use 'Load and Go' as the bank name

Re: Aus Post Load and Go cards.
 

I havn't had any issues so far with my Load&Go. Have it linked to my Paypal account and have been transferring funds from Paypal to the card. Found an ATM to that doesn't charge a withdrawl fee which is nice. So far it's been going ok. I do like getting a txt msg when a deposit goes through into the card. None of my proper bank accounts have that feature btw.

Re: Aus Post Load and Go cards.
 

When you first opened your paypal account with the new Load & Go card, did you verify the Load & Go card on your paypal account as a credit/debit card or did you verify it with the bank account number and BSB on the back? or did you verify it both ways?.

Just a little confused on wether the ATM withdrawal features would work if you only verify the card as a credit card instead of a bank account card.

Re: Aus Post Load and Go cards.
 

I stuck Heritage bank as the name? As for the above question I can't remember which I did but I remember putting the BSB in somewhere. Infact I think I did both.. I will check when I next log on but hopefully someone else will be along before that

Am I o.k to log onto load and go and paypal on my normal user account (with legit ebay and paypal account on) or do I have to do this through the new user account?

Re: Aus Post Load and Go cards.
 

Here's some info about the L&G cards. The max limit you can have on the card at any one time is $999. Not alot, but it gets more complicated. If you had $700 on your card, withdrew $500 at an atm, and made a few purchases and thus had $75 left on your card, you'd think, oh time to top up the card right!? Wrong. Even pending transactions, even atm withdrawals, are counted as part of the $999 limit. So you might only have $75 left on your card, and have $600+ in pending transactions. Thus this means you can only add $324 to your card. Once the pending transactions have cleared, and the atm withdrawls that also show up as pending are cleared, only then can you top it up properly. It doesn't help that the transaction history on you car when you view it online can also be days to week behind too.

Otherwise here's what happens. Thinking you've only got $75 left on the card, you put $700 on the card. Guess what, it get's denied and the funds get returned to wherever they were transferred from. Because $700 + the $600 in pending puts you over the $999 limit.

Just be careful, otherwise you might actually lose money. I know because I've lost money which vanished into a black hole. When transfers get denied by the L&G due to limit restrictions, they don't always get sent back to where they came from. They are supposed to, but in my case it didn't. And since the L&G card has no customer service behind it accept a bunch of Scottish script readers, learn the rules and fine print on this card.

Re: Aus Post Load and Go cards.
 

I was just wondering, how is it possible to transfer the money in your paypal into a LG card?

Re: Aus Post Load and Go cards.
 

Hi guys, my L&G card used for my paypal acc is about to expire, I don't normally use it to pay on paypal or withdraw. Do I need to get a new one?

Re: Aus Post Load and Go cards.
 

[QUOTE=westcoast_d;485449]Can you withdraw money from PP onto Entropay, and then transfer the money to your bank account?[/QU

I have had heaps of trouble with Entropay lately, they keep telling me to confirm I am who I am, Load and Go on the other hand has been excellent, sold 5 items on Ebay and the money arrives from paypal always on the second day (at around 11:00 pm) faster then any bank account I have had.

I love Load and Go, its really a godsend.

I just created Load and Go and Paypal in the same name
Put bank as Heritage Bank and my bank details that are on the back of the load and go card.
SIMPLE
The one thing I am unsure of is how to pay eBay fees, do I do it from Paypal or from load and go, if someone can help me that would be great, I will continue to read in the meantime.

Re: Aus Post Load and Go cards.
 

Always leave a balance in your PayPal account to pay fees and refunds. Otherwise you cannot load funds from L&G into PayPal it is restricted.

Re: Aus Post Load and Go cards.
 

It just come out this message when i log in to PayPal ask me to update my CC because it's about to expire. Do I need to?

Re: Aus Post Load and Go cards.
 

My first post on aspkin so glad I can possibly add something useful.

A shame nobody else has answered this question yet, as being able to deposit PayPal to LoadnGo is one of the two most important features of this card, the other being that it can be used to verify Paypal - which apparently it can do as a credit card

As for how to withdraw money from PayPal to the LoadnGo card, posts in this thread state that it is possible using the instructions listed on the AusPost website, which you can find here

Reload your card (Load&Go) - Australia Post

That said, I'm dubious as to whether PayPal withdrawals to LoadnGo can be done. It was stated in a post earlier in this thread that this card doesn't do direct debit and so can't be used as bank account verification. If this is true, how can you withdraw funds to the card from Paypal?

Such contradictory posts suggest that either people aren't accurately describing their experiences or the functionality of this card is unreliable.

In any case, I'm considering purchasing a LoadnGo card in the near future to use with PayPal. If I do, I will report back here on my experience.

Re: Aus Post Load and Go cards.
 

Yes you are able to transfer money from PayPal into L&G card (i.e withdraw money from PP into LG), I do it all the time no problems on all x 6 of my accounts.

The reverse cannot be done (except when verifying your PayPal account whereby PP withdraws two small amounts from your LG to transfer into your PP account for verification).

Apart from that you cannot withdraw funds from LG into your PayPal account.

Also, I have accepted payment from customers directly into my LG account with no problems, there is a 6 digit BSB number and ACC number attached to each card. I give this info to the customer and they pay me bypassing PayPal altogether. This works.

Another q that is brought up here (I ask this as it's never happened to me before). When a buyer puts in a claim to get their money refunded, is PP able to suck money from your LG account if there are insufficient funds from you PP account? I ask this as normally the card is restricted (i.e. meaning you CANNOT withdraw/deposit funds from LG into PP).

Anyone experienced this before?

Re: Aus Post Load and Go cards.
 

Paypal can't take money from your bank account even if it's a normal bank account in that case.

The card can be used like direct debit from eBay using it as a credit card, so they can pull money straight from the card to pay for your eBay fees if you choose the credit card option.

Re: Aus Post Load and Go cards.
 

But if there is little to no money loaded into your L&G card they can't take it out even if you have verified your Account number and CCard number.

Re: Aus Post Load and Go cards.
 

If you are operating with L&G cards you should never let your paypal balance get so low that you don't have enough money to cover at least 3 disputes a week+monthly fees.

L&G cards are very lenient and efficient with money coming into the account.(if you stay under the max limit) but if there are companies like paypal that are trying to withdraw through wire transfers then the cards get limited very quickly.

I know people that have had these L&G cards limited with their real details and have found it very hard to lift restrictions off.

Re: Aus Post Load and Go cards.
 

I suppose it makes sense that you can transfer funds to the Load&Go in the same way you can to any credit account.

For the same reason, you can only get funds out of the Load&Go account in the form of a credit card transaction or ATM cash withdrawal.


I can't speak from experience but I would have to guess that yes, PayPal can charge your Load&Go card in this situation.


I'm hoping we can get some verification in this forum about precisely what is and is not possible with the Load&Go card.

When adding the Load&Go to PayPal as a bank account, I don't recall any explanation of whether to list it as a Cheque or Savings account (confusing since it's really neither)

I assume listing the bank as "Heritage Bank" is sufficient. Beyond that, it's quite clear that when listing the Load&Go as a bank account on PayPal you use the BSB and account number on the back of the card (listed adjacent to "Pay anyone BSB). Also, it is my understanding that we do list the cardholder name we used when verifying the card on the AusPost website.

I purchased a Load&Go card today and am currently trying to link it to my PayPal as both a bank account and a credit card. I will report back when I determine if it can be successfully added as a bank account Upon attempting to link it as a credit card, the transaction was declined and I was charged a $1 transaction fee.

I recall someone else posted about experiencing this, but don't recall ever reading a solution.

One last unrelated question - did anyone purchase their Load&Go card with cash? I am using this Load&Go card with my real identify so I have no problem paying via my debit card, but if I was trying to build a stealth account this would be a definitive link to my identity.

Also they didn't allow payment via credit, I'm sure there's a reason for that but I can't imagine what it is.

Re: Aus Post Load and Go cards.
 

The following works for me
Heritage, Heritage Bank or Heritage Building Society (it was originally a Building Society from Toowoomba in Qld).
I always use the Paypal account holder name when registering the L&G card
Occasionally get a Paypal verification rejected, try again later and had no problem.
Alway buy card with cash (I am buying these for friends so do not particularly want the cards linked back to me).
You can withdraw $250 a week, can spend the balance how you look when using card as debit card this includes sending through Paypal.
Paypal can charge the credit card to pay eBay fees etc they can not do a direct debit to the L&G bank account.
Depositing to the card can be done daily over the counter at the PO or by bank transfer.
I have found too much withdrawing from ATM gets card restricted, using the same phone number for a huber of cards gets the card restricted. I draw some money out by ATM and then spend some through Paypal and in the shops.
I stress this is from my experience (not theory), Sadly the scammers seem to be slowly stuffing up this service for those of us who a genuine users.
I can also confirm that the card (the $6.95) can be used overseas to verify foreign Paypals and to withdraw cash at ATMs, again I have done this a few months ago so not sure if has change since.

Re: Aus Post Load and Go cards.
 

I wasn't aware it was possible to withdraw cash beyond the weekly $250 limit.
If you are actually able to withdraw cash beyond the stated limit, I assume that the way they enforce this limit is by limiting your Load&Go account if you fail to adhere to their $250/week withdrawal restriction.

As for using the same telephone number with several Load&Go accounts, it seems understandable that they would frown upon this, particularly where the two or more accounts linked to a single mobile number are different identities.

Off topic, but I can personally attest to the fact that Optus $2 prepaid SIM cards can be used to verify your phone with PayPal. They don't require a 'recharge' to be activated, although if you fail to add funds to the card in about a week they deactivate the SIM.

Here in Victoria you are required by law to present ID when purchasing SIM cards, but not all retailers bother enforcing this regulation (don't know off hand if this is state or federal law). I got my Optus SIM from a servo and they didn't ask to check ID, but they did at BigW. I assume smaller stores are less likely to bother asking for ID.

A few questions if you don't mind (although anyone is welcome to answer):

1. What experience have you had with your Load&Go card being limited? Do you know what caused it, and the process involved in removing the limitation?

2. Can you verify whether there is a 'hard' $250/week withdrawal limit (meaning you literally cannot withdraw more than $250 cash in any 7 day period)?

3. Did you list the Load&Go card as a Cheque or Savings account when adding it to your PayPal account? I think listed mine as a Savings account when I added it earlier today. I will confirm what works when the process is complete.

4. Some people, including myself, have been unable to register the Load&Go card as a Credit Card on PayPal. The verification transaction is declined (unsure of whether the $1 fee is actually deducted upon transaction failure)

Has anyone else experienced issues here? When verifying the card we are asked for

1. First name
2. Card type
3. Card number
4. Expiry date
5. CVC
6. Billing address

Now most of this is self explanatory; the details match that of your card. However, there is a problem regarding cardholder name. You are unable to select the cardholder surname (it is assumed to be the same as your PayPal surname).

Using my actual name (which is also the name on my Load&Go card) did not work. If you refer to the "Using your card for online purchases" instructions on the Auspost website, found here

Using your Load&Go card - Australia Post

you will see that for online purchases you are required to list name as "Valued Cardholder". We are unable to do this since PayPal has locked in the Surname to be used.

Has anyone been able to list the Load&Go card on their PayPal account? If so, how did you get around this problem?

Re: Aus Post Load and Go cards.
 

Its only 250 a week now, this is not really a problem for me but I can appreciate this could be frustrating for others.
My phone linking should have been ok a spoke to L&G in Melb and they said it would be ok after I explained that I was buying cards for my friends overseas to use with eBay (which is 100% true) live and learn on that one.
These days using a new phone number for each card, not withdrawing a lot of cash from ATM and spending some money in shops etc seems to keep L&G happy.
Can not help on hard limit, I withdraw less than that each week... playing it safe.
Savings or cheque does not matter can use either.
Had the problem using the credit card with paypal, seems to be a glitch tried again in a few days no problem.
Thats pretty much the info asked for.
I use the same name as in the Paypal/eBay account when registering the card and never had any problems (touch wood).

Re: Aus Post Load and Go cards.
 

Good idea. Although one does still require a unique mobile number for each PayPal account, so a new number may be necessary if you are linking one L&G card to each PP account. Thankfully $2 prepaid SIMs are easy to come by if you can find a store that doesn't ask for ID.


Thanks - good to put that information out there as I'm sure others will be wondering this as well.


Interesting. Knowing this, I will try again with the same method and report back.

Thanks for the feedback. I'm sure there are lots of people in the same situation as me, just getting into creating stealth accounts, so it's good to be able to answer some of the questions that are raised.

Re: Aus Post Load and Go cards.
 

Success - I tried adding my L&G (as a credit card) card again, entering exactly the same details, and this time it worked!

To think it is this simple to verify a PayPal account anonymously, after dozens of hours spent exploring how to create aliases for virtual credit cards/bank accounts and mobile phone numbers.

Feels good.

Re: Aus Post Load and Go cards.
 

Just a quick post to verify that I have been able to successfully link my L&G card to my PayPal account as a bank account and a credit card.

I forgot to take note of the the time required for the verification deposits to arrive in the account, but I think it was about 3 working days. I'll pay closer attention when I make a withdrawal to the card to give a more accurate time estimate.

So yes, the L&G card can currently be linked to a stealth PayPal account as both a bank account and a credit card.

The only other barrier to PayPal account verification is a mobile number, and you can purchase $2 SIMS throughout the country. I can verify that the $2 Optus SIM does not require additional funds be added in order to activate the card, although the SIM will expire in about a week if you fail to do so - long enough if you only want to use it to verify an account, though it may be worth retaining the number for some of you.

As I believe I've stated elsewhere, it appears that you're required by law to present ID when purchasing a SIM card in most, if not all states. You can get around this by simply asking at different stores (especially small ones, or non-department stores - servos for example) until you're able to purchase one without the cashier asking for ID.

One you card is bank account, credit card and mobile phone verified, the only concern that comes to mind is HeritageBank limiting the L&G card. Obviously it will be difficult to come up with supporting documents if they ask to verify your details.

That said, I don't know how common a problem this is, or what kind of process may be involved in removing a limit from your P&G account.

I'll post about this if I have problems with it in the future.