Frequently Asked Questions

Download and register the BFC Pay mobile app from the Google Play Store / App Store / Huawei
App Gallery. Then open the BFC Pay mobile app and select Travel Buddy on the home screen.
Follow the steps on the mobile app by filling out your Name, adding and authenticating your
eD and shipping address. That’s it. The virtual card will then be generated right away for
immediate online transactions, while the physical card will be delivered to you within 5 working
days.

The physical card will be delivered to your shipping address within 5 working days of successfully applying for BFC Pay Travel Buddy and getting your instant virtual card.

The Cardholder will receive a notification from our delivery partner before an attempt of the delivery is made. If the Cardholder doesn’t respond or an attempt of delivery is failed, another delivery attempt will be made to the same or new address (provided the Cardholder has submitted that address to the delivery partner), else it’ll come back to the source. The Cardholder will receive a notification updating their delivery status, following which they can then contact BFCP Customer Service Centre, and submit a new request for a card delivery at the same or new address.

The BFC Pay Travel Buddy Card is a multi-currency Visa Platinum prepaid card from BFC Payments B.S.C (BFCP) which international travelers and shoppers can be apply for and manage through the BFC Pay mobile app.

Anyone who want to spend in foreign currency should apply for the BFC Pay Travel Buddy Card. Be it international travel (at a foreign destination) or online shopping from Bahrain itself. For e.g. whether you want to travel to Turkey or Thailand for a holiday or you want to order your favorite shoes from amazon.ae, BFC Pay Travel Buddy Card is the most economical choice.

Reduces hassle of going to the exchange houses and purchasing and carrying around cash. Rate from exchange houses are competitive but relatively lesser than BFC Pay Travel Buddy Card. Better than using other payment solutions (savings account, cards) where 3-5% forex fees are levied over and above the real time exchange rate. BFC Pay Travel Buddy Card is certainly beneficial for transacting in foreign currency as you can load BHD wallet at free of cost and transfer to say, USD wallet at attractive and economical foreign exchange rates.

a. Instant virtual card generated as soon as applied from BFC Pay app
b. Being in the forex business for a century, we levy lesser and attractive mark ups on our exchange rates making it more economical when one makes international spends
c. It is a VISA Platinum card loaded with merchant offers and wider acceptance.
d. No extra charges when loading money into the BHD wallet
6 currencies available at present with more capabilities of many more currencies to be added soon.
e. Complete digital control to load several currencies, manage transactions and card usage on the fly at f. your fingertips all through the BFC Pay mobile app.
g. Easily use the virtual card through the BFC Pay App for online transactions in any currency.

Simply follow these simple steps to set/reset your PIN for your Travel Buddy Card –
Login into the BFC Pay Mobile app > Select Travel Buddy/ Travel Buddy+ Manage Now > Pick the PIN option > Enter the last 6 digits of your card number option > Input the expiry date of your card > Input the OTP sent to you > Enter your date of birth > Set the new 4 digit PIN and re-enter it to confirm.

The PIN can be changed endlessly, but users are cautioned not to share their PIN with anyone.

The OTP can be entered 3 times for every one attempt of setting/resetting. If the OTP is entered wrongly 3 times consecutively, the PIN will need to be set again, and the earlier saved PIN will not be able to be used again.

Follow these simple steps to set/reset the transaction controls for your Travel Buddy Card:
Login into the BFC Pay Mobile app > Select Cards > Select Travel Buddy/ Travel Buddy+ Manage Now > Open Controls > Then set Enable/Disable toggles for Online , Contactless, ATM or PoS transactions > Confirm the changes. or simply contact our Customer Service Center on Tel: +973 1771 1775 or email us on customer.services@bfcpayments.com

The Freeze feature will lock your card temporarily, and no transaction will go through when it is in freeze mode.

Simply follow these simple steps to Freeze/Unfreeze your Travel Buddy Card:
Login into the BFC Pay Mobile app > Select Cards > Select Travel Buddy/ Travel Buddy+ Manage Now > And pick Freeze/Unfreeze or simply contact our Customer Service Center on Tel: +973 1771 1775 or email us on customer.services@bfcpayments.com

It is 3.300 BHD inclusive of VAT and the Cardholder will need to have a minimum balance of 3.300 BHD in their BHD Travel Buddy wallet to proceed with the replacement process.

After ensuring the minimum balance of 3.300 BHD in BHD Travel Buddy wallet, please follow the following steps to replace your Travel Buddy Card:
Login into the BFC Pay Mobile app > Select Cards > Select Travel Buddy/ Travel Buddy+ Manage Now > Open Replace > Then Reason for replacement > Add your Address > And then hit Confirm. Your old card will be blocked and a new card will be generated immediately. Or you can easily contact our Customer Service Center on Tel: +973 1771 1775 or email us on customer.services@bfcpayments.com

Follow this simple process to set/reset the transaction controls for your Travel Buddy Card:
Login into the BFC Pay Mobile app > Select Cards > Select Travel Buddy/ Travel Buddy+ Manage Now > And then View Card Details.

Travel Buddy cardholders can carry out online transactions directly from the BFC Pay App, without the need of the physical card. Immediately after generating the card or before physical card is delivered, cardholders can carry out their online transactions by check their card details through the BFC Pay App.

Follow these easy steps to Add Money to the Travel Buddy Card:
Login into the BFC Pay App ds > Select Travel Buddy/ Travel Buddy+ Manage Now > Add Money > Enter the amount to be added > Check the consent box > Confirm the total amount to be added > Pick your payment method> And lastly Success on completion

Your funds added through Benefit PG/ Benefit Pay will be credited to BHD wallet of Travel Buddy Card.

There are no charges for adding money into the Travel Buddy BHD Wallet.

Please refer our website for Terms and Conditions and -Schedule of Charges.

Simply follow these simple steps to transfer between wallets (or Load FX funds) on your Travel Buddy Card:
Login into the BFC Pay App > Select Cards > Select Travel Buddy/ Travel Buddy+ Manage Now > Open Transfer to Wallets > Select FROM and TO currency > Enter the amount in FROM and TO Currency tabs > Confirm the transaction > And lastly Success on completion

Charges will be displayed on the BFC Pay App as exchange rates in the form of “FROM to TO” currencies.
For E.g. For the BHD amount which the Cardholder wants to transfer to USD, can be entered in BHD or USD amount appropriately. They can then see the charges as 1 BHD to XX USD. The Cardholder can then give his/her consent to the exchange rate displayed, and the transaction will then get processed successfully.

Please refer to our website for Terms and Conditions and Schedule of Charges.

Please refer to our website for Terms and Conditions and Schedule of Charges.

Online, Contactless, PoS and ATM transactions are accepted by the VISA Network Switch can be done by the BFC Pay Travel Buddy Card. Retail transactions (personal usage) on program accepted MCCs will be authorized successfully provided they are not breaching limits and controls of the program.

Please refer to our website for Terms and Conditions and Schedule of Charges.

A dispute (or claim) is made by a customer (a payer).
A chargeback is the reversal of such a transaction and occurs when a cardholder raises a
dispute or claim with their financial institution or Issuer.

Card Lost/Stolen:

Report loss/stolen card details to BFC Payments immediately OR you can also refer to the app to freeze the card through the BFC Pay App. You may further refer to our Terms & Conditions for
more details.

Unauthorised Transactions:

– For disputes pertaining to unauthorised transactions, please login to the BFC Pay App
to freeze the card OR replace the card immediately to block your existing card
and get your new card issued shortly after OR contact our customer
service team as soon as possible to block your card from our backend.
– A transaction cannot be qualified under unauthorised category if the client has participated willingly in the transaction with a merchant.
– It is mandatory to block or replace your card before an unauthorised transaction dispute can be raised in accordance with VISA/Mastercard guidelines.

Authorised Transactions
– For merchant disputes (that involve transactions authorised by a cardholder), you should first attempt to contact the merchant to resolve the matter and keep a record of all such communications.
– It may be possible to resolve the dispute directly with the merchant and it is also the fastest way to resolve any disagreement regarding the services. If you need to raise a dispute through us, we will need supporting documents such as sales invoices, ticketing copies or any other contracts, as well as all the prior communications with the merchant on attempts to resolve this directly with the merchant in question. You may refer to our Terms & Conditions for more details.

For Travel Buddy program, we do not have an Authorisation Hold feature, meaning an amount cannot be blocked by any merchant for future authorisation with the cardholder’s consent on
the card

This can happen in the following situations where your information was used subsequently for fraudulent transactions:
– Your card information is compromised.
– Your card details were provided to suspicious websites.
– Merchants holding your card details were compromised.
– It is important to login to the BFC Pay App immediately to block your card to prevent further unauthorised transactions OR you can call us to block your card.

We receive limited transaction details from the merchant’s bank and update the transaction based on the information received in the cardmember’s wallet account.
– Firstly, check with other supplementary cardholders to see if they have made the purchase.
– Also, please note that some companies use a different trading name or location from what appears in your wallet statement. Please contact the company to verify the trading name before raising a dispute. It may also be possible to get more details on the merchant via an online search.
– As a final option, we can try to request a retrieval of the charge slip from the merchant’s bank as verification. Please note that the merchant retains the discretion as to whether they wish to respond to our request and such a request will take 30 to 60 days (about 2 months). Upon successful retrieval of the charge slip a fee of $5.00 per transaction will apply.

– Generally, a resolution on a dispute may take between 4 weeks for simple cases to about 12 weeks (about 3 months) for complex ones, and this is contingent upon your prompt provision upon our request of the complete suite of documentation required for our investigations. You may refer to our Terms & Conditions for more details.
– Please note that BFC Payments does not raise the chargeback immediately – we will need some time to investigate your dispute thoroughly before proceeding with the chargeback.

– Cardholders do not face many consequences for chargebacks or disputes. However, that isn’t to say that there are no consequences if a cardholder misrepresents any of their information.
Here is the best advice we can offer cardholders: never dispute legitimate transactions. A card dispute should be the last resort only if you are convinced that it falls within the guidelines of disputes and chargebacks.