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.
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.
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 cumberlandfarms.com/smartpay.
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.
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.
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
E-commerce payments and Federal, state, and local tax payments
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.
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.
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.
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.
If you want save 10-cents a gallon and enjoy free products and other benefits throughout the year, you should sign up for the Cumberland Farms app and link it to a SmartPay account. If you only want to save 10-cents a gallon by using a SmartPay Card (and not the mobile app) you do not need to sign up for the Cumberland Farms App.
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, SmartPay and pre-loaded account. By using SmartPay as the payment method, in which you link a checking account to your Cumberland Farms app, users get the full benefits of the new app which includes saving 10-cents a gallon every day, a free drink or pizza slice with every 60 gallons purchased, and more. Linking the app to a prepaid account using a credit or debit card ($25 minimum load) users receive the 10-cents per gallon saving for 30 days only, plus the added rewards benefits (see rewards section for details.)
If you have auto-update your app will automatically convert to the Cumberland Farms app. If you do not have auto-update enabled, simply update your app by going to the Apple store or Google Play to receive all the new features and benefits.
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.
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.
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.
When you reach the reward, mobile app users receive their free coupon to use. These coupons can be viewed in the "reward" section of the mobile app. You are also eligible to learn about special flash sales for additional savings in store and at the pump, for mobile users only!
Each offer has an expiration date listed. If you do not activate your coupon by tapping the "redeem coupon" button, it will expire by that date. Once you activate your coupon by pressing "redeem coupon" and confirm use, you only have 15 minutes from activation to redeem it in any participating Cumberland Farms store.
Turning the screen brightness up on your phone and tilting it away from bright lights when being scanned will usually solve the problem. On the smart phone apps you can use the brightness up/down button, located on the top right, this will allow you to brighten your display without exiting the app. The cashier can also enter the coupon number manually off of your phone if it still will not scan.
Every time you pump gas using the Cumberland Farms app, you can track your progress toward your next reward. Your progress will be displayed on the Fuel Savings tile showing how many gallons remain until your next reward! The gallons remaining until the next reward is rounded up to the next whole gallon. For example, 6.2 gallons remaining will be displayed as 7 but you will earn your reward at 6.2 gallons.
All the gas purchased with phones or cards linked to your account will count toward your rewards. All phones linked to the account will receive the reward on their home screen. Once a coupon is redeemed, it will disappear from all the phones that use the same account.
You can email email@example.com and request to opt out of receiving coupons. You will stop earning coupons within 72 hours. You are also able to opt-out of clubs by navigating to “Manage Clubs” in the main menu on the mobile app.
SmartPay enrollment can be completed by downloading the Cumberland Farms app and selecting SmartPay as your payment source. You can also enroll in SmartPay by vising www.cumberlandfarms.com/SmartPay to register on a desktop.
Navigate to the menu and select “Manage Payments.” All active payment methods will be shown and selecting the small button in the left-hand corner of the payment box will make that payment method a default. This can also be changed on your check out screen by clicking on the default drop down in the upper right-hand corner.
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.
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.
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.