Where can I use the ShopSafe account number?
The ShopSafe account number will be accepted anywhere your credit card would be accepted. The online merchant does not need any special software or applications to process your ShopSafe account number. If you are required to present you're Credit Card to pick up the merchandise, the merchant may need to call Bank of America to verify the ShopSafe Number is linked to your actual Credit Card Number. An example of this is purchasing airline tickets at an online merchant.
Can the same ShopSafe account number be used to make purchases at more than one merchant site?
No. To provide additional security at each merchant site, a new ShopSafe account number needs to be generated for each online merchant site. However, you may reuse the same ShopSafe account number at the same merchant site.
Can I use the ShopSafe service to purchase items outside the United States?
Yes. The ShopSafe account numbers will be accepted anywhere your credit card would be accepted. The online merchant does not need any special software or applications to process your ShopSafe account number.
How does a Web merchant know I'm using a ShopSafe account number?
The Web merchant does not know that you are using a ShopSafe account number. The ShopSafe service generates a unique 16-digit account number that looks like a normal credit card account number. The merchant will process the transaction in the same way as any other credit card transaction.
Can a ShopSafe account be declined for a purchase?The ShopSafe account number has expired.
The dollar limit is not sufficient to cover the purchase with shipping and taxes.
The ShopSafe number is first used at one merchant and then reused at a different merchant.
The transaction exceeds your available credit.
A ShopSafe account number may be declined for a purchase for any of the following reasons:
How does the Billing profile work?
This is the billing profile we currently have on file for you. To update your Billing profile click "Edit." This will take you to Online Banking to update the address information we have on file for you. If you would like to use this address on the merchant form, you can either drag and drop the items or click "Fill Form."
How do I use my ShopSafe account number on a Web site where I use one-click or express checkout?
Many Web sites offer a faster way to check out by establishing a profile that includes your name, address, e-mail address, and a credit card number. You can provide a ShopSafe account number for this purpose, instead of your credit card number, to increase your safety and security while shopping online. First, determine the limits you need for the ShopSafe account number. You should choose a dollar limit that covers all of the shopping you may do over an extended period of time, and you'll want to decide how many months (up to 12) you'll want the ShopSafe account number to be valid. For example, you could set limits of $500 and 12 months then provide the ShopSafe account number to the online merchant and complete your one-click or express checkout. Every time you shop on that site within that 12-month period, you will use part of the dollar limit established. When the dollar limit is exhausted, or the expiration date is reached, you can increase the ShopSafe limits by clicking the "Activity" tab within ShopSafe and updating the specific ShopSafe number.
How do the purchases I make with the ShopSafe service get billed to my credit card account?
All ShopSafe transactions are matched back to your credit card account by Bank of America. You can view this activity online in Online Banking and will see the activity on your monthly statement. Each ShopSafe transaction will have a "#" symbol next to it to differentiate it from your other credit card account activity.
How do I handle returns? (If expiration has passed, can they still credit back to the ShopSafe number? And if I purchase online but return it to the store, will there be a problem if the account number on the receipt does not match the credit card I present to them?)
The merchant will refund to the ShopSafe number in the same way as a real credit card number. The ShopSafe service then will link the ShopSafe number back to the real credit card number, which will be refunded.
Verified by Visa and MasterCard SecureCode
As an added benefit, Customers using a ShopSafe number will bypass the Verified by Visa and MasterCard SecureCode verification process when shopping with participating merchants.