Pay-a-Friend

Do I need to apply for a new card or PIN or enroll in Pay-a-Friend to send money?

You only need a debit card tied to an account at La Cap and the associated debit card PIN. Assuming that you already use our online banking system, there are no downloads. Just log in and navigate to the Transactions > Pay-a-Friend. 

Do I need to register for the Pay-a-Friend service?

Yes, the first time you use the Pay-a-Friend feature, you will accept the terms and conditions and be asked to enter your debit card number along with the expiration date. You will not need to enter this information again unless the original card expires or otherwise becomes ineligible and needs to be deleted. 

Is there a cost to use Pay-a-Friend?

No, there is no fee to the sender or the recipient.

Is this service available outside of the United States?

Currently, the service is only available to eligible transaction accounts within the United States. 

Is Pay-a-Friend available on mobile and desktop devices? 

Yes, you can access Pay-a-Friend on your smartphone, tablet, and desktop computer. 

Are funds removed from my account immediately?

Sending funds is similar to withdrawing money from an ATM; funds are immediately debited from your account. The timing of when funds are received depends on the recipient. If the recipient uses a debit card in a participating network (Star, NYCE, Pulse, Shazam, CU24, or Accel), the funds are available immediately. Otherwise, the recipient is prompted to provide details for a checking account, the transaction is processed via the ACH Network, and funds are available in 1 to 3 business days, depending on the recipient financial institution’s process. 

Can I send funds as an ACH transaction with Pay-a-Friend?

No, you can only send funds by selecting a registered DDA account (that is, an account that is already linked to a debit card) on the Transactions > Pay-a-Friend. 

If I have an account at another financial institution that does not use Person to Person, can I send money from that account?

Only accounts authorized through La Cap can be used to send funds. 
Members are required to have a La Cap checking account to be able to use the service.

How do I know Pay-a-Friend is secure? 

The Pay-a-Friend service is built into online banking, which includes many security features designed to protect your financial information. Pay-a-Friend also utilizes a scrambling PIN pad that requires PIN entry by mouse or touch screen; a PIN cannot be entered by typing numbers on the keyboard. This feature helps keep the transaction secure if your device is infected with viruses or malware that track keystrokes. In addition, the PIN is encrypted so it never travels across payment channels as a numeric PIN. 

How do I know this is not a phishing scheme?

The PIN pad is branded with La Cap's logo and only appears after you review the transaction in online banking and click Continue. It opens in front of the Send Money page; there is no redirection to another site or “pop-up.” You’ll still be able to see your cardholder information behind the PIN pad. 
The last four digits of the card number appear on the PIN pad; the first 12 digits are masked. La Cap's EFT debit network logo appears on the bottom right of the PIN pad (this matches the network logo on the back of your card). The PaySecure logo appears on the top right of the PIN pad. 

If I use Pay-a-Friend, will I receive text or spam messages?

The only text or email messages you will receive will relate to the sending or receiving of funds.

What is “Payzur”? That name appeared in the link sent to one of my recipients.

First Data Payzur is the name of the service used to process Pay-a-Friend payments.

Why do you need my email address?

Messages regarding your transaction(s) will be communicated via email. To learn how your personal information will be used, please review the service terms and conditions.

Will my personal information be shared with the recipient?

Only your name is shared with the recipient. For details, review the Pay-a-Friend terms and conditions. 

What if my recipient does not receive the payment?

If the recipient does not claim the funds within 10 days, the funds are returned to your account.

What if I enter the wrong PIN?

You have two chances to enter the PIN correctly before access to the PIN pad is disabled in online banking. The PIN pad will reset after 24 hours. 
Note: If Person to Person is disabled in online banking, you can still use the debit card for point-of-sale (POS) transactions. However, if an incorrect PIN is entered during a POS transaction while Person to Person is disabled, the entire debit card account may be disabled, depending on FI policies. Call the number on the back of your debit card for assistance.

What if I send funds to the wrong number or email address?

For real-time payments (as opposed to ACH payments), a recipient can access funds immediately. If the recipient has not yet received the transaction, FI staff can cancel the transaction. Otherwise, the recipient must send the funds back to you or give permission to the FI to return the funds. 

Why did I receive an “exceeds limits” error?

You may have exceeded one of our Person to Person limits. Your FI can establish transaction limits (for example, $500) and monthly limits (for example, $10,000 per month). Additionally, limits can be configured for different groups of end users, as long as they do not exceed the debit network limits. 

How do I register for the service?

When you access Person to Person for the first time you will accept the service terms and conditions. The system will use the information on file within internet banking to create your user profile. You will then be asked to enter your debit card number along with the expiration date and an optional 

How does my information stay current with the Person to Person service?

On subsequent visits to the Person to Person service, the system will retrieve current values from Internet banking and update the Person to Person service.