Travel Card

PNC ActivePay Cardholder Guide

This guide will assist you with navigating through the ActivePay website. This document will walk through your first login, what to do if you forget your password, as well as detailed instructions for the pages that you will be frequenting the most. This guide will cover both Cardholder and Approver steps for transaction management. Your organization may not use all of the features covered in this document.

Printable Version of the ActivePay Cardholder Guide

PNC Travel Card Delinquency Procedures

The PNC Bank travel card requires payment within 25 days of the statement date. It is imperative that the balance is paid before the due date to avoid incurring a late payment charge. Late payment charges are the responsibility of the cardholder and will not be reimbursed by RIT. The available balance is not reset to your monthly limit until payment for the previous month has been made.

RIT receives and monitors monthly delinquency reports from PNC Bank.

Cardholder balance 31-60 days past due:

RIT will send an email to cardholder indicating delinquent balance. Cardholder will respond to email indicating when the balance will be paid in full (including any late payment charges).

Cardholder balance 61-90 days past due:

Suspension of the travel card will occur when account balance reaches 61 days past due. The cardholder and supervisor will receive an email stating the card will be suspended and balance due is expected to be paid in full by end of business day. The cardholder’s procurement card, if applicable, will also be suspended.

Cardholder balance 91-120 days past due:

Cancellation of the travel card will occur when account balance reaches 91 days past due. The cardholder and supervisor will be contacted, stating the card will be cancelled and balance due is expected to be paid in full by end of business day. The cardholder’s procurement cards, if applicable, will also be cancelled. You will not be entitled to receive an RIT corporate travel card or travel advances in the future.

The RIT travel card is a personal liability credit card; therefore, delinquent balances will affect your personal credit. In addition, delinquencies such as this jeopardize the viability of the travel card program and it has a potentially serious impact on RIT. If you would like to speak with a PNC representative regarding your account balance, you may call 1-800-685-4039.

If you need assistance or guidance regarding resolution of delinquent debt on your RIT travel card, you may contact your HR Services Manager who will provide you with information regarding RIT's Employee Assistance Program.

PNC ActivePay Pay Bill On-line

The Pay Online feature supports capturing payment information (transit routing number and ABA/DDA number) and submission for one-time payments. The processor then transmits the payments through PNC and on to the ACH network to be processed by the Federal Reserve.

Click on Transactin Maint, Statements.

Make Payment

  1. first you must click on the $ - dollar sign button in toolbar

    The following fields are available:
    Statement Date: retrieved by PNC ActivePay via Web Service to the processor
    Statement Amount Due: retrieved by PNC ActivePay via Web Service to the processor
    Current Balance: retrieved by PNC ActivePay via Web Service to the processor
    Due Date: retrieved by PNC ActivePay via Web Service to the processor

  2. You must set up an account first. Click on 'Create Payment Account' to begin.
  3. Fill out the information and click on create a payment account:Fields to fill out

    Check Number: editable
    Payment Date: defaults to current date
    Amount: editable
    Account List drop-down:

    • Displays the available account for payment as defined in Account Management
    • The last 4 digits of the Routing Number and Account Number display dynamically based on the account selected in the drop-down.

Account Management

The user can Add, Edit, and Delete Routing Numbers and Accounts and can also define a default payment account.

The user is permitted to enter up to three Accounts. For each account, the user must define an Account Name, enter a Routing Number, and enter an Account Number. The Routing Numbers and Account Numbers are stored on the processor.

NOTE: Routing numbers are 9 digits long, including any leading zeros; Account Numbers are up to 19 alphanumeric digits.

Payment Processing

Upon submission of a payment, PNC ActivePay makes a Web Service call to the processor to transmit the payment information into the processor’s payment stream to be processed via the ACH network. The processor will confirm the payment was successfully received and PNC ActivePay displays a success message at the top of the screen.

History – to view the history of payments

On this page, the user can search for and view payments.

Payment History

Also, edit or cancel a payment that has not been processed yet. Search options include:

  • Payment Type: Processed, Pending, Canceled, Failed
  • Last X Payments: Enter the number of payments to view
  • Date Range: Use the calendar tool to enter a date range

If a payment is not yet completed, the user has the option to edit the payment. Click the Edit button and the Account Name, Payment Date, Check Number, and Payment Amount fields become editable. After the desired edits are made, click Update to update the payment or Close to continue without saving.

Travel Card Chip PIN FAQs

Chip and PIN: What is it?

A chip and PIN card is a credit card that includes microchip technology and a personal identification number (PIN) to securely verify a cardholder during a transaction. The embedded microchip is encrypted and the cardholder must enter his/her PIN for each transaction to be approved if the transaction is processed through a chip payment terminal that requires a PIN.

The PIN will take the place of a signature at merchant locations that provide chip payment terminals that require PINs. A chip and PIN card also has a magnetic stripe on the back of card so your transactions can continue to be processed as signature transactions at merchant locations that have not yet been equipped with new chip payment terminal technology.

Although signature-based transactions continue to be the most common type of transaction in the United States, many other countries are switching to chip and PIN cards. Upgrading your magnetic stripe card with the new chip and PIN card technology is one way we can help enhance your purchase experience when you are traveling outside the United States.

Chip and PIN credit cards are more convenient when traveling abroad, especially when using the chip card at unattended kiosks, such as at train stations or gas pumps that will only accept a PIN to validate a transaction. Additionally, the embedded microchip in the card helps protect cardholders from fraudulent activity because the microchip is extremely difficult to copy and the PIN validation requirement enhances security of the card if it is lost or stolen.

Many features of a chip and PIN card are the same as a magnetic stripe card. Both cards are embossed on the front with the card number, cardholder name and expiration date and provide the three-digit security code on the back of the card. The key difference is the silver colored embedded chip on the front left side of the card.

Today, the United States has very few chip-enabled terminals. Within the next year or two, chip-enabled terminals will become more prevalent across the country. Around the world, chip technology has been used for many years to help protect cardholders from fraudulent activity.

No additional fees apply to your new chip and PIN card.

Chip and PIN: Information about PINs

We will automatically generate a random PIN and will mail it to you prior to your receiving the chip card. It will be important to memorize the PIN for your new chip card.

Each new chip and PIN card will have one PIN that can be used for purchases and allowable cash withdrawals. If your company does not allow cash withdrawals, then cash access will be blocked from usage on the chip card.

If you enter your PIN incorrectly three times, your PIN will become blocked. This security measure is put in place to keep fraudsters from trying to guess a PIN, should the chip card become lost or stolen.

If you remember your PIN after it has been blocked, you may contact the number on the back of your chip card to assist you with unblocking your card. You will be asked to enter your account number and answer several security questions. Then, you will select “0” from the IVR menu to be connected with an operator who will assist you in unblocking your PIN. Once your card is unblocked, you may then continue to use your card normally.

If you do not remember your PIN, see the answers for question #10.

If you attempted your PIN incorrectly three times, your card has become blocked. If you do not remember your blocked PIN, please contact the number on the back of your chip card and select “0” from the IVR menu to speak to an operator about your forgotten PIN. The operator will mail you a new PIN number.

No, it is only applicable when you are present at the chip payment terminal during the transaction.

Chip and PIN: Traveling internationally, enhanced security

Yes, advance notification will help to ensure that legitimate purchases are approved.

Please make sure to memorize your PIN prior to traveling. If you forget your PIN prior to your travels, please contact the number on the back of the card and request a new PIN mailer to be mailed to you to avoid the delays that can be associated with having to reset your PIN while traveling. It may take 5-7 business days for a new PIN to be mailed to you.

Chip cards provide a higher level of security in some countries because the encrypted chip uses several measures that create a complex level of security making a chip card difficult to copy or counterfeit.

The magnetic stripe will continue to be on the back of your new chip and PIN card, so that your card can continue to be used at merchants (local and international) that have not been updated to chip technology.

Chip and PIN: How to use it

When you make a purchase at a non-chip terminal using your chip and PIN card, either you or the merchant will swipe your card and then you sign a receipt. When you make a purchase at a chip- enabled terminal using your chip and PIN card, you will insert your card into the chip reader and then you will be prompted to enter your PIN.

Note: There could be merchants that have chip-enabled terminals that are not set up to prompt for a PIN and will request a signature even for chip transactions. When you insert your card into the chip reader, it will prompt you for a PIN if the chip reader contains that capability; if not, you will just be required to provide your signature.

  1. Insert the chip portion of the card into the terminal with the chip facing up. It’s important to leave the card in the terminal until the transaction is complete. (If you remove the card too soon, the transaction will end and your purchase will not be processed.)
  2. Follow the prompts on the terminal’s screen and enter the PIN.
  3. The terminal will display the purchase amount.
  4. When your transaction is complete, you will be prompted to remove your card. At restaurants, a portable chip terminal may be brought to your table.