How do I get a new Titanium+® Prepaid Mastercard®?

If you already have a Titanium+ Visa® Prepaid Card: Please bring your old card to your nearest Money Mart® and you can exchange it for a new Titanium+ Prepaid Mastercard®. Any balance remaining on your Titanium+ Visa Prepaid Card can be transferred to your Titanium+ Prepaid Mastercard for no charge.

If you do not have a Titanium+ Prepaid Mastercard or a Titanium+ Prepaid Visa: It’s as simple as going to your nearest Money Mart® to pick up a card! You'll need a valid address and 2 pieces of ID (1 government-issued and 1 photo) - that's it! Oh, and remember, you must be a permanent resident of Canada and of age of majority in your province.

What are the benefits of a Titanium+ Prepaid Mastercard?

The Titanium+ Prepaid Mastercard now has chip and PIN (Personal Identification Number) technology built in! Simple and easy to use, you can shop with confidence at home and around the world, knowing that the chip in your card can help protect you at all times.

Pay for purchases, fast! Simply tap your card on any terminal enabled with Mastercard Contactless to pay for purchases under $100 without a PIN. Discover the ease of making purchases online and over the phone. Plus, use your card wherever Mastercard is accepted worldwide.

Always know your card balance and transaction history by signing up for text* or by downloading the Titanium+ Mobile App from GooglePlay or iTunes.

to your card any time you like online, or at any Money Mart store across Canada. Your funds will be available within 90 minutes or less!

*Standard text messaging rates may apply.

What are the benefits to chip technology?

The embedded microchip provides dynamic transaction security features and other capabilities not possible with traditional magnetic stripe cards. A chip card is extremely difficult to counterfeit.

Where can I use my chip card?

Use your chip card at the exact same merchants you do now – by inserting the card into chip enabled card terminals that or by swiping your card at merchant locations that have not yet switched to chip-enabled card terminals. You can also continue to use your chip card as you did before for online payments, telephone transactions, and at ATMs. For more information go to Mastercard or contact us at

Help! I forgot my username, online password, telephone access code, or PIN. What do I do?

Click on the link on the login page, enter the required information and your new password will be immediately emailed to the email address in your account profile.

To change your phone number or address, you must call customer service.

You cannot change the PIN on your Titanium+ Prepaid Mastercard. If you forget your PIN, please call the number on the back of the card and follow the prompts in the phone menu for retrieving your PIN.

What is Mastercard Contactless?

Mastercard Contactless is a contactless payment feature that lets you pay for purchases under $100 without entering your PIN or signing a receipt, simply by tapping your card on a contactless-enabled payment device.

Are there any instances where I may not be able to use my Titanium+ Prepaid Mastercard?

Installment or Recurring Payments: You may always use your card to make an individual payment, but some merchants may not allow you to register your card for regular or recurring payments like your mobile phone or cable bill.

Gratuities/Tips: Some restaurants and other service providers may add up to 20% to your bill when they request authorization for a purchase to cover any tip you might add. As a result, your card may get unexpectedly declined if your available balance isn’t sufficient to cover the additional pre-authorized amount.

Car Rental and Hotels: A car rental agency or hotel may accept your card for final payment of a rental vehicle or the room, but may not accept it for the initial reservation.

A Fuel Station: A fuel station may only accept your card inside the store but not at the pump.

How do I add funds to my Titanium+ Prepaid Mastercard?

There are 4 convenient ways you can add funds to your card:

  1. Online at Once you have to your Titanium account, our AddFunds feature allows you to transfer funds to your card at any time directly from your bank account, or you can transfer funds from someone else’s Titanium+ Prepaid Mastercard to your card.
  2. DirectLoad™ Don’t wait in line or pay a fee to cash your pay cheque. Load all or part of your pay or other benefits payment directly onto your card. To set up direct deposit with your employer or other benefits provider, click on the DirectLoad form link on your account summary page once you have logged in, or chat with a representative now for help in setting this up. Give your completed DirectLoad form to your employer or benefits provider to start the direct deposits.
  3. Money Mart stores Add funds to your card at any Money Mart store! Your funds will be available shortly on your card. Once you've added funds to your card, there is no wait. It's load and go! Find a Money Mart near you.
  4. Interac e-transfers  You can transfer funds from your bank account to your Titanium+ Prepaid Mastercard through your online banking service using Interac e-transfer. For help setting this up, call customer service at 1-866-914-5863.

*Please note that some of the above methods for adding funds to your card are offered by third party service providers and may be subject to fees. Please review your cardholder agreement and the applicable service provider’s terms and conditions for details about fees related to adding funds to your card.

Why is there $2.99 internet transaction fee for AddFunds loads?

The third-party provider for this service (Interac) charges fees for the convenience of very fast loads.

What is the difference between a credit card and a Titanium+ Prepaid Mastercard?

Titanium+ Prepaid Mastercard cardholders don't have access to a line of credit. The Titanium+ Prepaid Mastercard is a prepaid card. That means you can only access the amount of money you have put on the card.

How do I activate my new or replacement Titanium+ Prepaid Mastercard?

You can activate your new or replacement card by calling 1-866-914-5863 and following the voice prompts. Once you activate your card by phone, activation is immediate.

Can I use my Titanium+ Prepaid Mastercard to make online purchases?

Absolutely! That's one of the big advantages of your Titanium+ Prepaid Mastercard! You can use your card for purchases at your favorite online stores, including gaming, dating and travel sites and many others. Just enter your card information when prompted at the checkout, and you're good to go.

Why isn’t my name on my Titanium+ Prepaid Mastercard?

If you purchased your card in-store, you received an instant-issue card that does not have your name on it. An instant-issue card works the same way and has all the same features as a card that is personalized with your name. And since your Titanium+ Prepaid Mastercard is Chip and PIN enabled, there is less of a need to present your card for manual verification. The PIN is the security mechanism. However, if you would like your name on your card, let us know by calling customer service and we will mail a personalized card to your address. A personalized card fee may apply – see your cardholder agreement.

How can I find out my Titanium+ Prepaid Mastercard balance?

Always know your card balance and transaction history by signing up for text* or email alerts or downloading the Titanium+ Mobile App.

Check with your cellular provider as they may charge a fee for receiving Web-based text alerts. All alerts are customizable. That means you can choose what you want to see (e.g. purchases, withdrawals, daily balance, reloads). Sign up for text or email alerts.

You can also check your balance and review your transaction history at Set up your online account now. You're also welcome to call customer service for account information at 1-866-914-5863.

*Standard text messaging rates may apply.

Why was my purchase declined?

Your Titanium+ Prepaid Mastercard available balance was probably less than the purchase amount due to previous purchases or a pending authorization such as a pay-at-the-pump fuel station purchase, or a hotel, car rental, etc. (Please see the cardholder agreement for more details regarding pre-authorized amounts). If you know the approximate value of the balance on your card, you can ask the retailer to do a split transaction, using another method of payment to make up the difference between what's available on your card and the purchase amount. (Merchants are not obliged to do this.) Merchants are not able to view or obtain the balance on your card. To avoid purchase declines,download the sign up for alerts, or Titanium+ Mobile App to track your card balance on the go.

What happens when I return something that I purchased with my Titanium+ Prepaid Mastercard?

The merchant may credit the refund amount to your card, or provide you with cash, or an in-store credit, depending on their policy. You are not allowed to ask a merchant to credit your card without a corresponding purchase originating at that merchant.

Are there fees associated with using the Titanium+ Prepaid Mastercard?

The Titanium+ Prepaid Mastercard offers you a choice of fee plans. You decide which is right for you. Check the cardholder agreement for details.

When will my Titanium+ Prepaid Mastercard expire?

Your right to use the funds on your card will never expire although the card itself will expire after the “valid thru” date. If funds remain on your card and it is near or past the “valid thru” date, please call us at 1-866-914-5863 or chat with us. We will ensure your shipping address is correct so we can get a new card mailed out to you as soon as possible!

My Titanium+ Prepaid Mastercard has been lost or stolen, how do I get a new one?

We'll be happy to help you get a new card. Call customer service at 1-866-914-5863 immediately to report that your card was lost or stolen. If you're calling from outside Canada or the US, call 1-404-479-0120. Also be sure to do this if someone else learns your PIN. Once your card is reported lost or stolen, we'll cancel it immediately and your funds will be protected. We'll mail you a replacement card within 10 days (a replacement card fee may apply – see your cardholder agreement). Once you've activated your card, your available balance will be automatically transferred to your new card.

What are pre-authorizations? Why is the amount shown in the authorization detail different than the actual purchase amount?

A pre-authorization happens when a merchant temporarily holds a portion of the funds on your card on top of your purchase amount. This is normal practice for merchants accepting credit and prepaid cards. It ensures that your card is valid and that you have sufficient funds to cover the anticipated final amount of your purchase. Until the merchant settles the transaction, pre-authorized funds and the purchase amount are unavailable for new purchases or ATM withdrawals.

When we receive the final transaction settlement request, the transaction is considered settled and the amount of the purchase and/or transaction plus any applicable fees for the transaction will be deducted from the available balance associated with your card. This typically happens within 14 days for pay-at-the-pump transactions, standard merchants are 14 days, hotels and car rental agencies may take as long as 45 days. In the event that the purchase amount is less than the pre-authorized amount, those remaining funds will be released once the transaction is settled.

Pay-at-the-pump fuel stations, hotels and rental companies are the most common merchants that require pre-authorization. For example, restaurants typically pre-authorize 20% above the bill amount to cover the tip or anticipated final amount of the purchase. When paying at the pump, the terminals may pre-authorize your card for a minimum of $75 to ensure sufficient funds are available for the anticipated purchase amount. There is usually no pre-authorization if you pay inside at fuel stations.

Can my Titanium+ Prepaid Mastercard ever have a negative balance?

Yes. Even though your card is prepaid, it is possible to have a negative balance. Normally, if an authorization request for a purchase amount exceeds your available balance, the card purchase will be declined. However, some types of retail transactions can result in a negative balance on your card if you have not ensured that there are sufficient funds on your card to cover the transaction. If this happens, you would be responsible for repaying us the negative balance on your card – see your cardholder agreement for details.

Will I receive a monthly statement?

You will not receive a monthly paper statement in the mail. But, it's quick and easy to view your monthly statement or access your transaction history via your online account, the Titanium+ mobile App or by calling customer service at 1-866-914-5863. If you choose, you can pay a fee to have the card issuer, Peoples Trust Company, mail you a paper statement of transactions made with your card. A fee may be applicable if we mail you a paper statement – see your cardholder agreement for details.

Can someone else use my Titanium+ Prepaid Mastercard?

For your protection, only the cardholder may use the card. You are solely responsible for the care and control of your card and for maintaining the confidentiality of your PIN. Your PIN is provided solely for your use and security when withdrawing cash from ATMs and for making purchases. You should not maintain a written record of your PIN or disclose your PIN or online account access information to others, including family members and friends. If anyone else does use your card, you are responsible for all transactions carried out on your card unless you have notified us that your card has been lost or stolen.

What if I don't recognize one of the transactions on my Titanium+ Prepaid Mastercard?

You can review your transaction history with your online account or call customer service at 1-866-914-5863. Sometimes merchants operate under a different name than the actual store name. If you find an error in any transaction record you must address the error directly with the merchant or ATM operator. If this happens, request that the merchant reverse the transaction and credit your card account for that amount. If the merchant refuses to assist, please call customer service at 1-866-914-5863 to report the disputed transaction.

What does it take to qualify for a Titanium+ Prepaid Mastercard?

You must be at least the age of majority in your province and be a permanent resident of Canada in order to qualify. You'll need a valid address and 2 pieces of ID (1 government-issued and 1 photo). No application or credit check is required.

I already have a Mastercard credit card. Can I still get a Titanium+ Prepaid Mastercard?

You bet! There's no connection between your existing credit card and your Titanium+ Prepaid Mastercard. And remember, unlike credit cards, there are NO interest charges with the Titanium+ Prepaid Mastercard.

Can I use my Titanium+ Prepaid Mastercard at any ATM?

You've got the freedom to use your card to withdraw cash at any ATM that displays the Cirrus® or Mastercard logo. Just enter your PIN when asked to do so and choose the "chequing" option. Withdrawing cash may be subject to additional ATM fees by the ATM provider.

Can I add funds to my Titanium+ Prepaid Mastercard from out of the country?

Yes. You can add funds to your card online from using AddFunds, Quikfunds or by setting up a bank transfer from your bank’s website to your card. Also, any direct deposits that are being loaded onto the card will still be added whether or not you are in the country, so the funds will be available to you. It's wise to add funds to your card before you leave, to be on the safe side.

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Order your Titanium+ Prepaid Mastercard here online or pick up a card at any Money Mart store.

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