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Say Hello to the NEW Cumberland App!

Save money on gas, earn free products and so much more.

Free to join. Free to use. Download the Cumberland Farms app and start saving 10¢ per gallon, earn free rewards, and more! App Store or from Google Play for Android!


Extra Savings & Rewards

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Signing up is fast and easy so you can start saving.

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Even More Secure Than Swiping a Credit Card

Every account is password protected so your information is even more secure.

New App FAQs

  • What is the difference between the new Cumberland Farms App and SmartPay?

    Think of the Cumberland Farms app as the umbrella mobile app that offers mobile payment as well as rewards and several other benefits.  Underneath that umbrella there are two mobile payment methods: 1) SmartPay in which you link a checking account to your Cumberland Farms app and save 10-cents a gallon every day, or 2) Prepaid account, to which you link a credit or debit card and load a minimum of $25.  With the Prepaid account, you get the 10-cents per gallon saving for your first 30 days of enrollment only.

  • How do I link my CF app to SmartPay?

    If you are currently using SmartPay, simply update your app in the Apple or GooglePlay store, sign in with your email address and existing pin, and you’ll be ready to use the new app with your current SmartPay account.

  • What is my Cumberland Farms app Password?

    If you are a new user, you will be asked to create a password when signing up for the Cumberland Farms App. If you are a current SmartPay customer, you will sign in with your existing PIN.  Your PIN is the four-digit number that you create when you create your SmartPay Check-Link account. If at any time you forget your PIN or want to change it, go to

  • Why is my 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 password.

  • How long does it take for my Cumberland Farms account to become active?

    If you are linking your app to SmartPay, the information that you provide could 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. If you are creating a pre-loaded account linked to a credit or debit card, the account is active instantly.

  • Where can I use my CF app as payment?

    You can use SmartPay at all Cumberland Farms locations.

  • Can I use my CF app 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 “Buy Stuff in Store”, show the barcode to the cashier, and type in your CF app password at the prompt.

  • What are the usage limits on my SmartPay 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

  • What are the usage limits on my pre-loaded account?

    There are no usage limits on the preloaded account, but you will only be authorized for the balance in your account when paying at the pump

  • 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-checks
    • E-commerce payments and Federal, state, and local tax payments
  • I saw a small deposit and withdrawal in my bank account. What is this?

    ZipLine validates your enrolled bank account information to ensure that we have the correct account number. We do so by submitting a deposit and withdrawal to your bank account. These “challenge transactions” are a test to confirm the validity of the account. The enrolled card is not activated until this bank verification process is completed.


    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 ZipLine 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. ZipLine, 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.

  • 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.

  • 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 is SmartPay used for payment?

    We've partnered with ZipLine 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 can I reset my PIN?

    You will need to log into Cumberland Farms SmartPay and go to manage my account or call ZipLine at 1-800-210-1265 to change your PIN number.

  • How can I find out why my account has been locked?

    You will need to contact ZipLine at 1-800-210-1265 and they will be able to assist you.

  • How can I get transaction information about my account?

    Your purchase history is available on the app by navigating to Transaction History in the main menu.

Current SmartPay Member FAQs

Account Management FAQs

  • How can I update my payment methods?

    Navigate to the menu, select “Manage Payments.”

  • How can I update my password / pin?

    Your password can be reset under “Manage Account” in the main menu.  You will need to log into Cumberland Farms SmartPay and go to manage my account or call ZipLine at (877) 403-2222 to change your PIN number.

  • How can I update my address?

    Your address can be updated by navigating to the menu and selecting “Update My Information.”

  • Where can I track current rewards?

    Rewards can be found by click on the Rewards Tile on your app home screen. They will also be visible when you click the “Buy Stuff In Store” to complete a transaction.

  • Where can I track my savings?

    Our new Lifetime Savings Tile will show you how much you have saved since becoming a mobile app user – in store and at the pump!

  • How do I redeem rewards?

    By navigating to the Rewards Tile, you can see all the rewards you have available to use. You can click the barcode button on the bottom of the Rewards screen to be taken to the checkout screen, where you click “redeem” to have your reward scanned by one of our team members. You can also redeem a reward by selecting the “Buy Stuff in Store” button right on the home screen to get to the payment page, where you can redeem any of your available rewards.

  • How do I earn rewards?

    By participating in one of our clubs: Breakfast Sandwiches, Lunch Sandwiches, Chill Zone, Pizza, or Fuel.  You can also find special sales under our “Flash Sales” tile to find rewards for our mobile app users only that unlock extra savings at the pump by making specific purchases in store.

Rewards FAQs

Payment FAQs

Sub Accounts FAQs

  • How many sub-accounts can I set up?

    A maximum of 4 sub-accounts can be setup and linked to your account

  • What type of restrictions can I put on a sub account?

    Spending limits can be set for sub-accounts linked to a SmartPay or Preloaded Account, as well as control over seeing promotions on age-restricted items.

  • How do I fund a sub account?

    A Sub-Account must be connected to one of the main account’s funding sources – either SmartPay or a Pre-Loaded Account.

  • Can I cancel a sub account?

    Yes – this can be done in the app in the Manage Sub-Accounts page under the main menu. Select the Sub-Account you wish to shut off, and select “Make Inactive.” 

  • Can I see activity on a sub account?

    Yes – you can see all receipts and savings for each Sub-Account under Transaction History for specific receipts, or Lifetime Savings to see a total savings amount across gas and in-store purchases.

  • Can a sub account see activity on my account?

    No – the Sub-Account has no access or visibility into the main account.

  • How do I reset a password / pin (zipline) on a sub account?

    For a pre-loaded account, it can be done under Manage Sub-Accounts in the main menu of the primary account holder, by selecting the specific Sub-Account and choosing “Send reset password email.” For a SmartPay account the main account holder is able to reset the pin for the Sub-Account, also under the main menu.

  • What perks does a sub account receive?

    If tied to a SmartPay account, the Sub-Account will save .10 a gallon, every day. Sub-Accounts will receive notice of flash sales and in-store deals.

  • Will a sub account receive marketing messages and offers?

    Sub-Accounts will receive promotional emails and notice of flash sales. Marketing messages and offers can be controlled in account settings.

  • Can a sub account add a payment method?

    No – a Sub-Account can only be connected to a Main Account payment source. To add a new payment method, the account needs to complete the enrollment process to become a full account with no restrictions or additional controls.

  • How can a sub account become a full account?

    The parent can click "Unlink Account" from the Manage Sub-Accounts screen, which disconnects the sub-account from the payment source. The disconnected account is still able to login to the app with the same login credentials and add their own payment methods under "Manage Payment Methods.” Until a payment source is added, the Sub-Account is not eligible to receive full account perks, access, and rewards.