shopsafe
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ShopSafeSM FAQ - Select a topic from the list below.


What is ShopSafe
Opening ShopSafe
Creating a ShopSafe Number
Using a ShopSafe Number
Shopping
Form Fill
Viewing ShopSafe Activity
Online Banking Services
System Requirements
Security
Customer Service
Setting Preferences

 
 


What is ShopSafe?

ShopSafe is a new upgrade to your existing Online Banking Service. The service allows you to create a unique, temporary card number each time you're ready to make an online purchase. This number links directly to your real credit card account number but keeps your card number completely private and completely protected. The ShopSafe number is used just like any other credit card—a merchant never knows it's not your real credit card.

 
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Opening ShopSafe

How do I access the ShopSafe service?

Access from your desktop
If you have downloaded ShopSafe, you can access the service by clicking the ShopSafe logo in one of the following locations:

  • System tray (in the lower right corner of the computer screen)
  • Browser bar (top of computer screen)
  • START menu
  • Desktop icon

    Access from the Web site
    You can also click on "Use ShopSafe" within Online Banking.

    How do I Log In?
    ShopSafe uses the same Online ID and Passcode as Online Banking. You must be enrolled in Online Banking before you can gain access to the ShopSafe service. If you have not enrolled in Online Banking and would like to use the ShopSafe service, visit
    www.bankofamerica.com to enroll.

    What if I forget my Online ID and passcode?
    If you have forgotten your Online ID or passcode, visit www.bankofamerica.com. If you need further assistance, please call Customer Satisfaction at 1-888-898-6262.

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    Creating a ShopSafe Number

    How does the ShopSafe service work?
    The ShopSafe service generates a unique 16-digit number that is different from your credit card account number but links back to your credit card account and is valid for making purchases. Click on "Create Number" to generate a new substitute number.

    How do I create a unique ShopSafe number?
    You will need your physical credit card to view the 3-digit security code located in the signature line on the back of the card.

    Select the Create Number option on the menu, or select the Create a ShopSafe Number link on the ShopSafe home page.

    Enter your 3-digit security code and select Continue.

    Then enter the limits for your ShopSafe number, and select the Create Number button.

    What is my 3-digit security code?
    On Visa and MasterCard credit cards, your 3-digit security code is located in the signature line on the back of the card.

    What do I need to know about selecting my spending limit?
    When creating a unique ShopSafe account number, the ShopSafe service allows you to set the specific dollar limit. When choosing a dollar limit, be sure to include the full purchase amount, any shipping and handling charges, and state tax (if applicable). The merchant will be authorized for charges up to the dollar limit you set. Bank of America may increase the purchase limit for shipping, handling, and taxes that may not have been taken into consideration at the time of the purchase.

    What is Increase ShopSafe Limits?
    Normally the ShopSafe number you create will automatically be valid for two months and for the original dollar amount you selected. If you want to alter the date or dollar amount you can do so by choosing "Increase ShopSafe Limits."

    What do I need to know about selecting my "Valid Thru" date?
    When creating a unique ShopSafe number, this service allows you to set the specific period of time that the ShopSafe account number will be valid. The time limit of two months should give the merchant adequate time to process your request. If you need a longer time limit, indicate it as a number of months between 2 and 12. The most common reasons for requiring a longer time limit are listed below:

  • Back orders
         If a merchant has an item on back order, it typically does not charge your account until the item is available for shipping. Usually a merchant will tell you how long it will take to obtain the merchandise for shipping; be sure to set the ShopSafe account number time limit (and "Valid Thru" date) to cover the entire time period. If your ShopSafe account number has expired before all of the items are shipped, then the merchant will not receive authorization to send your requested purchase.

  • Recurring charges
         Some purchases require a monthly recurring charge (such as book clubs and Internet service providers). The ShopSafe service allows you to set your "Valid Thru" date for up to 12 months in the future. The Recurring monthly payment located on the Create Number screen allows you to securely manage your monthly bills.

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    Using A ShopSafe Number

    What's happening when the numbers spin?
    When the numbers spin, a new and unique ShopSafe account number is being generated for your use online.

    Are there a maximum number of credit card accounts I can use with the ShopSafe service?
    No. But all accounts must be credit card accounts registered in Online Banking.

    Can I use any of my credit card accounts with ShopSafe--even if they are not with Bank of America?
    No. Accounts registered for the ShopSafe service must be accounts registered in Bank of America.

    Is there a charge for using the ShopSafe service?
    No. There is no charge associated with using the ShopSafe service. You merely need to have an credit card account registered in Online Banking.

    Is there a maximum number of ShopSafe account numbers that I can create?
    No. You can create as many ShopSafe account numbers as you need to complete your online purchases.

    Selecting another credit card account
    When you have more than one account registered with Online Banking, these same accounts will automatically be registered in the ShopSafe service. On the "Profile" tab, you can select which account you'd like to shop with by choosing the "Select Another Credit Card" option.

    What happens to my ShopSafe account numbers if my credit card account is lost or stolen?
    Any ShopSafe accounts you created with the lost or stolen credit card account number are closed. Closing an active account will prevent any further transactions using this number. It may also lead to the cancellation of any pending transactions. If you've given this number to an online merchant who has your permission to charge you on a recurring basis, you should notify the merchant of the canceled account. When you report your credit card as lost or stolen, a new credit card account number will usually be generated within 24 hours. Once this number has been assigned, you may visit
    www.bankofamerica.com to see the new account.

     
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    Shopping

    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?
    A ShopSafe account number may be declined for a purchase for any of the following reasons: site.

  • 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.

    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.

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    Form Fill

    How does the form fill feature work?
    ShopSafe can automatically fill your online forms with the ShopSafe account number and Valid Thru date if you click the "Fill Form" button when you are on an online form. You should always double-check the information on the order form before you submit it.

    Why does ShopSafe auto-pop when I am browsing on the Internet?
    ShopSafe can identify when you are on a merchant form that requires an account number. Under these conditions, the service will pop a message box to let you know that ShopSafe can assist you with your transaction. If you login to ShopSafe, you can quickly and easily generate a substitute account number to use for your transaction. ShopSafe can also automatically fill the new account number and Valid Thru date on the online form.

    How can I disable the auto-pop function?
    Under the "Profile" menu is a selection to "Change Preferences". Simply click "Change Preferences" and select the appropriate option to turn off auto-pop.

     
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    Viewing ShopSafe Activity

    Can I view active ShopSafe accounts?
    Under the "Activity" menu is a selection to "View Active ShopSafe Numbers." You can review information about any ShopSafe account number you have generated that is still active (has not yet expired according to the Valid Thru date that you preset and still has a balance remaining). The name of the merchant where the ShopSafe account number was used is listed here. If the merchant has not yet processed the transaction, the merchant name field will indicate "In Progress." You can close an active account number by selecting it, then clicking "Close Number." Closing an active account number will prevent any further transactions using this number. It may also lead to the cancellation of any pending transactions. If you've given this number to an online merchant who has your permission to charge you on a recurring basis, you should notify the merchant of the canceled account.

    Can I reuse an existing ShopSafe number?
    You can reuse an active account number by selecting it, then clicking "Use." The card image displaying the unique ShopSafe account number will appear; it will reference the name of the merchant for whom this account number was created, any remaining balance, and the Valid Thru date. If the balance is large enough to complete your current purchase, you may use the account number. To increase the Valid Thru date or dollar limit click "Increase ShopSafe Limits."

    Can I close an existing ShopSafe number?
    Under the "Activity" menu is a selection to "View Active ShopSafe Numbers." You can close an active account number by selecting it, then clicking "Close Number." Closing an active account number will prevent any further transactions using this number. It may also lead to the cancellation of any pending transactions. If you've given this number to an online merchant who has your permission to charge you on a recurring basis, you should notify the merchant of the canceled account.

    Can I view past ShopSafe purchases?
    All ShopSafe transactions can be viewed within Net Access®. Each ShopSafe transaction will have a "#" symbol next to it to differentiate it from your other account transactions. In addition, you may view your past purchases using ShopSafe by clicking on the "Activity" menu and selecting "View past purchases." The specific ShopSafe account number is indicated with every transaction. In the "Status" column, "Settled" means the bank has settled the transaction but there is a remaining balance for that ShopSafe number that can be used for additional purchases at that merchant. "Complete" means there is no remaining balance on the ShopSafe number.

     
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    Online Banking Services

    Can I access information on my credit card account through ShopSafe?
    Yes. You can reach Bank of America’s online banking service by selecting "Online Banking Services" on the 'Home' menu or by clicking on the "Net Access" button on any screen of the ShopSafe service. The online banking service provides extensive information on your credit card account including current balance, credit available, payment due, payment due date, past statement activity, and more.

     
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    System Requirements

    Is ShopSafe compatible with all operating systems?
    ShopSafe Web Version and ShopSafe Desktop will work with Windows 98, 2000, ME, XP, and Windows NT 4.0.

    Is ShopSafe compatible with all browsers?
    ShopSafe Web Version is compatible with AOL 7 and AOL 8, Netscape 6, and IE 5.0, 5.5, and 6, MAC 0S 9 and MAC OS X. ShopSafe Desktop Client is compatible with AOL 7 and 8, Netscape 6, and IE 5.0, 5.5, and 6.

    What system requirements are needed for Form Fill and Auto-Launch to function?
    ShopSafe auto-launch and form fill features are compatible with Windows 98, 2000, ME, XP, and Windows NT 4.0. It is also supported with IE 5.0, 5.5, and 6, and AOL 7 and 8.

    Can I use ShopSafe if I have a Macintosh Computer?
    Yes. You can launch the Web Version on any computer with Internet access as long as you are using one of the following browsers: IE 5.0, 5.5, and 6, and AOL 7 and 8.

     
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    Security

    Who has access to my ShopSafe account number?
    Only you, the merchant for which the ShopSafe account number is generated, and Bank of America have access to your ShopSafe number.

    How secure are my ShopSafe account numbers?
    The ShopSafe service is the most secure way to shop online. The ShopSafe service, whether residing on your desktop or accessed through the ShopSafe website, is password protected. Each ShopSafe account number you generate can be used only by the merchant you select, up to the amount you specify, and for the length of time you specify.

    What happens to my ShopSafe account numbers if my credit card account is lost or stolen?
    Any ShopSafe accounts you created with the lost or stolen credit card account number are closed. Closing an active account will prevent any further transactions using this number. It may also lead to the cancellation of any pending transactions. If you've given this number to an online merchant who has your permission to charge you on a recurring basis, you should notify the merchant of the canceled account. When you report your credit card as lost or stolen, a new credit card account number will usually be generated within 24 hours. Once this number has been assigned, you may visit
    www.bankofamerica.com to see the new account.

     
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    Customer Service

    Whom do I contact if I get an error while downloading the ShopSafe service?
    If you experience difficulties in downloading the ShopSafe service, or if you have additional technical questions or concerns, please call Technical Support at 1-888-898-6262.

    What should I do if I don't recognize a ShopSafe account charge?
    Check the listing on the View Past Purchases window for a record of the transaction with that merchant. Contact the merchant to ask for clarification about the charge. If you did not authorize the charge, ask the merchant to credit your account. You may also dispute the charge in writing by using a copy of the form provided on the back of your credit card statement. You must reference the ShopSafe account number used for the transaction instead of your credit card account number.

    What is a CVV2 or CVC2 number?
    This three-digit number appears on the back of your credit card in the signature area, at the end of your account number. It is an additional security element that many online merchants are now requesting in addition to the credit card account number and expiration date. The ShopSafe account number you generate will also have an associated CVV2 or CVC2 number. If the online merchant requests the number from the back of your credit card, use the unique CVV2 (for VISA) or CVC2 (for MasterCard) number generated along with the unique ShopSafe number.

    What is the O symbol on the ShopSafe card?
    The ShopSafe service is powered by Orbiscom Payment Technology, the inventors of the ShopSafe product. The O logo is their registered trademark.

     
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    Setting Preferences

    How can I disable the auto- pop function?
    Right click on the system tray ShopSafe icon in the lower right-hand corner of your screen. Click on Preferences, and select the appropriate option to turn auto-pop off.

    How can I turn off sounds?
    Right click on the system tray ShopSafe icon in the lower right-hand corner of your screen. Click on Preferences, and select the appropriate option to turn sound off.

    How can I turn off the "Help" box that appears to the right of the ShopSafe screen?
    Click the "Close" button in the bottom right of the "Help" screen and the help box will stay permanently closed. Clicking the "Help" button in the upper right corner of the ShopSafe screen can reopen it.

     
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