Get all the answers Frequently Asked Questions

  • About Pak Perks
  • About Pak Pay
  • About My Account & Security
  • About Fees and Charges
  • What is Pak Perks and how does it work?

    Pak-A-Sak rewards you for purchasing all your favorite items at Pak-A-Sak stores. Present your card or app with each purchase and we’ll begin surprising you with free and discounted items. Get personalized rewards for the products you love and crave. The more you visit, the more surprises you’ll receive.

  • How do I sign up for Pak Perks?

    You can sign up with or without a Pak Perks card. Either download the Pak-A-Sak app and complete registration or click here to sign up online.

  • How do I keep track of my progress?

    By participating in Pak-A-Sak’s Clubs, we’ll add each of your applicable purchases so you can easily track your progress on the app. You can also view your current deals in the Rewards and Offers sections of the app.

  • What kind of rewards will I receive?

    You may receive things like free and discounted items in-store, promotional items from your favorite brands, entry into exclusive contests – and more!

  • How will I know if I have received a reward?

    You’ll be notified in the Pak-A-Sak app and via email when you’ve received a reward. You can also view all available offers and their respective expiration dates in the app.

  • How do I redeem rewards?

    Be sure you’ve completed the registration process in order to redeem rewards. Once you’ve received a reward, you can redeem it in the Pak-A-Sak app.

  • How long do I have to redeem my rewards?

    All earned rewards are available until you redeem them. Promotional offers will include an expiration date.

  • I forgot to swipe my card or app on my last visit. Can I still get credit for that purchase?

    Unfortunately, we cannot credit transactions to your account after the fact. If you do not have your card on your visit, you can use the Pak-A-Sak app or enter your phone number to get credit for the purchase.

  • Are any items excluded from my rewards purchases?

    Yes, sales tax and the purchase of fuel will be excluded from your rewards tally.

  • Can I share my account with someone or add another card to my account?

    Rewards programs are based at an individual level, you are not able to have multiple rewards cards earning towards the same rewards account.

    If you’ve added payment to your account, you may have multiple rewards cards associated with a single checking account.

  • Why do you need my birthday?

    Because we’d like to celebrate it with you! Please see our Privacy Policy for other uses.

  • Why do you need my email address?

    Your account must be registered so that you can redeem your rewards and an email is required for account registration.

  • What is Pak Pay and what is the benefit?

    Pak Pay is an upgrade to Pak Perks that lets you pay with your Pak Perks account. Simply link your Pak Perks account to your checking account to enable debit transactions.

    With Pak Pay you’ll receive an instant price rollback on every gallon of gas purchased. There are no enrollment fees or finance charges. Additionally, your participation will not impact your credit rating.

  • How do I get a Pak Pay account?

    You can sign up with or without a Pak Perks card. Either download the Pak-A-Sak app and complete registration or click here to sign up online.

  • How do I use Pak Pay?

    Using Pak Pay to pay is easy. Use it the same way you use any other debit card at the pump or pay using your Pak-A-Sak app. In the Pak-A-Sak app, select “Pay” and follow the prompts. With both methods, you may pay for purchases in-store and at the pump.

  • How do I receive my everyday fuel discount?

    Your 5¢ per gallon discount is instantly rolled back at the pump. Swipe your card and enter your PIN or select “Pay” in the app and follow the prompts. Then, watch the price instantly rollback!

  • How long does it take for the payment card account to become active?

    Once you have enrolled, the information that you provided will undergo a bank validation process. This process could take up to (3) business days after the enrollment date. If additional information is needed, you will be notified of the activation step and program details through subsequent email messages. You are responsible for completing the bank verification step in order to activate the payment function. This step requires you to confirm two small test transactions that we post to your account for verification purposes.

  • Can I share my account with someone or add another card to my account?

    Rewards programs are based at an individual level, you are not able to have multiple rewards cards earning towards the same rewards account.

    If you’ve added payment to your account, you may have multiple rewards cards associated with a single checking account.

  • How do I pay with the app?

    Tap “Pay” in the bottom right corner of your screen and indicate if you are paying inside or at the pump. If you’re paying inside have the cashier scan your unique barcode to complete the transaction. If you’re at the pump, enter the pump number and store location and start fueling.

  • Is my information secure?

    The security of your data is very important to our business. Except for providing information to participating merchants, we do not resell or disclose any information to a third party. Your enrollment data is kept safe in our secured database servers. If you have enrolled in the payment program, the data you have provided is required to enable us to verify and link your information to your payment program account to be able to perform ACH debit transactions. All bank information and PINs are encrypted as soon as your enrollment is submitted.

  • Why do you need my driver’s license information to enroll in the payment program?

    Your participating merchant wants to provide you with a convenient way of paying for gas at a lesser price and also to pay for items inside their store. It is important to recognize that you are issuing an electronic check when you use the payment program for payment. This is no different than writing a check at the supermarket and being asked to show your driver's license as an ID. When you enroll in the program you voluntarily provide certain information to ZipLine in order to participate in this program. No information will be taken from the magnetic stripe on your driver license and the driver's license will be used only to verify your identity as a participant in the program.

  • Why do you require the last four digits of my social security number with enrollment?

    When you enroll in the payment program, the last four digits of the social security number are used for identity verification purposes (in addition to the other information you provided during enrollment), an account security question and to protect you against fraud. The security of your data is very important to our business. Except for providing pertinent information to the participating merchant, we do not resell or disclose any information to a third party. Your enrollment data is kept safe in our secured database servers. This information is encrypted as soon as your enrollment is submitted.

  • Why do you need my email address?

    Your account must be registered so that you can redeem your rewards and/or use it as a form of payment. An email is required for account registration. You will also receive an email receipt for each purchase that you make using your payment program account. Your email address also becomes your login to our member website where you can manage your payment account information, view your transaction activity and/or change your PIN if needed.

  • 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, the account is open, and most importantly that the account belongs to YOU. 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 payment card account is not activated until this bank verification process is completed. You must confirm these two amounts once they appear in your account. A “verification” email will be sent to you, upon enrollment, which explains this activation process.

  • Is the USER ID/PIN with the payment program the same as my current bank account PIN?

    No. The User ID/PIN that you select can be any 4-digit number and does not have to be the same account 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.

  • How do I change my PIN/ID?

    You may change your PIN by logging into the member website or the member link provided on your merchant’s website. Once you log in, you will need to click on your card/mobile number, then select the “Update My PIN” option. If you forgot your current PIN, then click on “Forgot PIN?” and follow the directions to reset your PIN to whatever new PIN you want.

  • 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. If you picked up your original card at a store location, you will need to pick up a new card and call Customer Service (see number below in footer) to add the new card and turn off the damaged card. If your card was mailed to you, please contact us to request a replacement card be mailed out.

  • I lost my card, what do I do?

    You should log into the member website or the member link provided on your merchant’s website, 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 to have the replacement card added to your account.

  • Are there any fees to enroll or to use the programs?

    Currently, there is not an enrollment fee and we do not charge a fee to the consumer for the use of the rewards or payment programs. Your payment account may be subject to an annual maintenance fee which would be properly disclosed at enrollment and/or prior to any fee amount being debited from your bank account. Also, your bank may charge fees relating to the ACH withdrawal of money from your checking account. Check with your bank for specific details. We do, however, charge a Return Fee in the event that your bank returns a transaction unpaid. For this reason, we recommend that you have Overdraft Protection on the account used for your payment card transactions to potentially avoid additional return fees.

  • Do I get charged by my bank for an ACH transaction through this payment program?

    Most banks do not charge for ACH transactions submitted to a CHECKING account. 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 account 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, the transaction will be returned by your bank and your payment program will be deactivated until you make good on your purchase. Returned transactions also result in a “Return Fee” permissible by state laws. ZipLine, or their 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 account transactions to avoid additional return fees. By having Overdraft Protection with your bank, you may avoid our fees for any returned transactions.

  • Are there any limits on my payment account?

    Yes. Transaction velocity/usage limits vary. Please call Customer Service to find out what your usage limits are. This policy was last updated on: 11/29/2018

Always Secure

Your security is our priority. To ensure your protection, Pak Perks + Pak Pay are managed by ZipLine, a leading private label debit processor employing state-of-the-art firewall and other comprehensive security methods in accordance with the rules and regulations of the Federal Reserve.

All personal data is encrypted in real time, and every transaction is PIN protected. ZipLine monitors and limits exposure to fraud, so you’ll never be held liable for unauthorized transactions on your Pak Perks + Pak Pay account.