Cumberland Farms

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.

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.

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.

There are two ways you can use SmartPay.

1. SmartPay Check-Link card - pick up a free SmartPay Check-Link card from *any Cumberland Farms location.
2. SmartPay mobile app on your smartphone – download the free app from the App store/Google Market or visit cfsmartpay.com from your mobile browser.

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.

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.

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.

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.

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.

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.

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.

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

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.

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.

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.

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.

The limits for use of your account are as follows:

• 7 transactions per day
• $150 daily amount
• 35 transactions per week
• $500 weekly amount

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.

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.

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.

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 MasterCard.

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-checks
• E-commerce payments and Federal, state, and local tax payments

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.

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 of NJ

The SmartPay mobile app offers you the option to pay with either Check-Link or PayPal. When you select a payment option, here is some useful information:

1. Payment method: SmartPay Check-Link is linked to your checking account and SmartPay PayPal is linked to your PayPal account
2. Access: SmartPay Check-Link can be accessed through both the SmartPay mobile app and the SmartPay Check-Link card. With SmartPay PayPal, you can pay only using the SmartPay mobile app
3. Discount: With SmartPay Check-Link, you save 10¢ on every gallon. There is no discount with SmartPay with Paypal.
4. In-store purchases: You can use Check-Link to pay for both fuel and in-store purchases with your phone or card. PayPal only allows fuel purchases at the pump

If your transaction is declined, you may have insufficient funds in your account or you may have expired or outdated account information. Please contact PayPal for more information and assistance by visiting paypal.com/help.

Please contact PayPal customer service atpaypal.com/help for all PayPal account issues and questions.

Please contact the store manager for pump assistance.

Your PayPal account is currently showing a balance in an amount less than $100. Because we require a $100 authorization for all gas purchases, you are being prompted to enter another form of payment to cover the difference. Please note, you will only be charged the purchase price of the gas pumped once the transaction is complete.

For every transaction, we require a $100 authorization and the email you received serves only as a confirmation. This is not a charge. It is simply a hold on your account to cover the final purchase cost. Once your transaction is complete, the amount purchased will be charged to your account, and the remainder of the $100 authorized will be released.

Within the SmartPay app, once you login and confirm your PayPal account, we automatically put a hold of $100 towards your method of payment. In instances where you do not complete the transaction and pump gas, the system will issue a release of the funds no longer than 30 minutes after the time you confirmed logged in with PayPal. Your bank or credit card may hold these funds longer depending on their policies.