What is SmartPay?
SmartPay is a payment program in partnership with National Payment Card Association (NPCA) that helps you
save money and makes it fast and easy to pay. SmartPay delivers technology that enables you to automatically
pay with your checking account.
Why use SmartPay rather than a regular debit or credit card?
You'll save 10¢ a gallon on every purchase. By using SmartPay Check-Link, you help us save fees associated with credit and debit cards. And when we save, we pass those savings on to you.
How is my SmartPay Card or SmartPay Mobile App used for payment?
We've partnered with National Payment Card Association (NPCA) to deliver technology that enables you to link your checking account with a SmartPay Card or the SmartPay App so you can pay for fuel at participating Cumberland Farms locations.
How do I use SmartPay?
There are two ways you can use SmartPay.
- SmartPay Check-Link card - pick up a free SmartPay Check-Link card from *any Cumberland Farms location.
- SmartPay mobile app on your smartphone – download the free app from the App store/Google Market or visit cfsmartpay.com from your mobile browser.
How do I know I have received the savings per gallon?
Your gallon savings will be reflected on the SmartPay fueling screen on your phone, and the price displayed on
the pump will 'roll-back' cents prior to fueling.
- How do I sign up to use SmartPay?
To sign up for SmartPay Check-Link, go to cumberlandfarms.com/smartpay, and click 'join for free'. Please be
sure to have your driver's license and checking account information ready.
- Is SmartPay secure?
Yes, the security of your data is very important to our business. In order to protect your account information
and keep it secure, we request your Check-Link PIN every time you use SmartPay. In addition, we do not resell
or disclose any information to any third parties. The data you have provided is required to enable us to verify
and link your information to your card to be able to perform an ACH debit transaction.
- What is my Check-Link PIN? What happens if I forget it?
Your SmartPay Check-Link PIN is the four digit PIN that you create when you join Check-Link. If at any time you
forget your PIN or want to change it, go to cumberlandfarms.com/smartpay, click on 'Manage My Account'
and follow the instructions. You can also contact NPCA at 1-877-403-2222.
- Is my Check-Link PIN the same as my current Bank Account PIN number?
No. The Check-Link PIN that you select can be any 4-digit number and does not have to be the same as the
current PIN that you use with your ATM or Web ID to your bank account. It is important to remember your PIN
in order to use this method of payment.
- Are there any fees to join or use SmartPay?
No. There is no enrollment fee and we do not charge fees for use of your SmartPay Card or App. If your bank
returns a transaction unpaid, you will be charged a fee. We recommend that you have Overdraft Protection on
the bank account used for your payment card transactions to avoid this return fee.
- Why is an email address required?
Our system relies heavily on email communication to all customers. Your email address becomes your login to
manage your account. An email address is also required to make updates to your account information and to
provide the ability for you to review your transactions. It is also necessary to retrieve and/or change your PIN.
- I get an email alert every time I use SmartPay. How do I turn off that feature?
Once you have enrolled, go to cumberlandfarms.com/smartpay and click on 'manage my account', and log
into NPC's member portal. Select and click on the card number(s) for which you use to make purchases,
and then click the header 'UPDATE MY EMAIL PREFERENCES', select 'No, do not send me emails', and
click 'Update' button
- How long does it take for my SmartPay Card or Mobile App to become active?
Once you have enrolled, the information that you provide will undergo a validation process. This process
could take up to three business days. You will be notified of your SmartPay account status and program details
through subsequent email messages.
- Where can I use SmartPay as payment?
You can use SmartPay at all Cumberland Farms locations that sell gas, with the exceptions of our Windsor, VT
location, locations in Nassau & Suffolk counties, NY, and locations within the state of NJ.
- Can I use SmartPay to purchase merchandise or gas inside the store?
Yes, and you still get a 10¢ discount on every gallon of gas! To pay from your mobile phone, tap 'pay for items
in-store', show the barcode to the cashier, and type in your Check-Link PIN at the prompt. Make sure the
brightness of your screen is set to 100% so the scanner can read the barcode. To pay with your SmartPay card,
simply swipe your card, and type in the Check-Link PIN you created when you joined.
- Can I share my SmartPay account?
With SmartPay, you have the ability to link one account to everyone in your family. Simply pick up a card for
each person, and call 1-877-403-2222 to link the card number(s). When swiping the card, be sure to enter
the Check-Link PIN that was used to create the account. If you are using SmartPay on your mobile phone, no
additional cards are necessary. Simply download the app, and log in with the same email address and Check-
Link PIN that was used to create the account.
- What are the usage limits on my account?
The limits for use of your account are as follows:
- 7 transactions per day
- $150 daily amount
- 35 transactions per week
- $500 weekly amount
- I lost my SmartPay Check-Link card, what do I do?
You should log into the member website at www.npcmember.com to report your lost/stolen card. This will
immediately deactivate the card. Depending on your specific card program, you may pick up a new card at a
participating location and call Customer Service at (877) 403-2222 to have the replacement card added to your
account. If your card was mailed to you, please call us to request a replacement card.
- The magnetic stripe on my card is worn and does not work, what can I do?
It will be necessary to replace your payment card if the magnetic stripe does not work. You should pick up a
new card and call Customer Service at (877) 403-2222 to add the new card.
- Why do I have an additional card on my account when I only signed up/enrolled for one?
If you select 'I have a card' during enrollment, our system will automatically generate a second card number
to be used with the mobile app. If you do not intend to use the mobile app, this card will never display
any activity, but will be there if you ever need it. If you want to the mobile app in addition to your card,
simply download the free app, and log in with your email address and Check-Link PIN. Please be aware that
transactions completed from your mobile app and your card will appear on a different card numbers.
- Is National Payment Card operating this service for the Registry of Motor Vehicles?
No. National Payment Card Association is a private data processing company with no official affiliation with
the Registry of Motor Vehicles. We partner with National Payment Card to operate this service. They
have entrusted National Payment Card to provide payment services in the same way they rely upon Visa and
- What is an ACH debit transaction?
The Automated Clearing House (ACH) Network is a highly reliable and efficient nationwide batch-oriented
electronic funds transfer system governed by the NACHA Operating Rules that provide for the interbank
clearing of electronic payments for participating depository financial institutions. The Federal Reserve
and Electronic Payments Network act as ACH Operators, central clearing facilities through which financial
institutions transmit or receive ACH entries.
Examples of ACH payments include:
- Direct deposit of payroll, tax refunds, Social Security and other government benefits
- Direct payment of consumer bills such as mortgages, loans, utility bills and insurance premiums
- Business-to-business payments
- E-commerce payments and Federal, state, and local tax payments
- I saw a small deposit of a few cents in my bank account, what is this?
National Payment Card Association validates your enrolled bank account information to ensure that we have
the correct account number. We do so by submitting a deposit to your bank account. The “challenge deposit”
is a test to confirm the validity of the account. The enrolled card is not activated until this deposit verification
process is completed.
In some cases, a small withdrawal is also made as part of the validation process. In that case, you will need to
know both values to successfully complete the account validation process.
Do I get charged by my bank for an ACH transaction?
Most banks do not charge for ACH transactions. This is the same method that is currently used for paying
mortgage payments, car payments and any authorized debits from your bank account. It is possible that some
banks may charge a monthly fee for such services so please check with your bank for details. Charges will
apply from your bank and from National Payment Card Association if your transaction is returned as unpaid
(NSF, Account Closed/Frozen, etc.). Our return fee will be the maximum amount permissible by state law.
This fee is separate from any fees that your bank may impose for such returns. We recommend that you have
Overdraft Protection on the account used for your payment card transactions.
- If I conduct a transaction and I do not have sufficient funds in my account, what will happen?
First, you should not conduct a transaction if you are aware that you do not have sufficient funds to cover
the face amount of the transaction. If you do, your bank will return the transaction and your card will be
deactivated until you make good on your purchase. Returned transactions also result in a “Return Fee”
permissible by state laws. National Payment Card Association, or assigned agents, will try to electronically
collect the face amount of the transaction and the associated Return Fee on two attempts. In the event that
the company cannot collect through normal electronic means, your account will be flagged and referred to a
collection service and your membership may be cancelled. We recommend that you have Overdraft Protection
on the account used for your payment card transactions to avoid additional return fees. By having Overdraft
Protection with your bank, you will avoid our fees for returned payment card transactions.
*excludes our Windsor, VT location, locations in Nassau & Suffolk counties, NY, and locations within the state