Are there any fees to enroll in or use AAA Pay?
No. There is no fee to enroll in AAA Pay. Neither AAA nor National Payment Card Association charges for use of your AAA card. However, your bank may charge fees relating to the ACH withdrawal of money from your checking account. Check with your bank for specific details.
What are the usage limits on my AAA Pay card?
The limits for use of your AAA Pay card are as follows:
- $75–$100 per transaction (determined by merchant)
- 4 transactions per day
- $150 daily amount
- 10 transactions per week
- $500 weekly amount
My AAA Pay card isn’t working at the pump or in the store. What can I do?
Please call AAA at (800) 836-2582 and we will investigate the problem.
I lost my AAA Pay card. What do I do?
First, you should immediately report your lost or stolen AAA card to National Payment Card. Login to National Payment Card Association’s website at www.NPCMember.com
and follow the links to report a lost or stolen card, and they will immediately deactivate it for you.
Next, please call AAA at (800) 836-2582
and we will issue you a new card.
The magnetic stripe on my AAA Pay card is worn and doesn't work. What do I do?
You can order a new AAA Pay card or AAA member card by calling (800) 836-2582.
How do I change my AAA Pay card PIN?
You can change your PIN by logging into our website at www.NPCMember.com
. You will need to click on your card number, then select the "Update My PIN" option.
Can I have multiple AAA Pay cards using the same checking account?
Yes. Simply call National Payment Card Association at (877) 403-2222 to have the additional card added to your AAA Pay account. You will need the entire 16-digit AAA card number that you’d like to add when you call.
Why is an email address required to enroll in AAA Pay?
National Payment Card Association relies heavily on email communication to all AAA Pay customers. Your email address becomes your login to manage your account with National Payment Card Association. An email address is also required to provide you with the ability to make updates to your account information, review your transactions, and retrieve and/or change your PIN. Unfortunately, we are unable to accommodate members who don’t have an email address at this time.
Is my AAA Pay enrollment and banking information secure?
The security of your data is very important to us. National Payment Card Association stores all of your banking data. None of your bank information is shared with AAA, or any other third party, and we do not have access to it.
I entered my AAA member number on the login page, but then a different number appears in My Account. Is this correct?
Yes. Our new AAA Pay program requires card numbers to begin with 620 instead of 429, so we have automatically updated all AAA member numbers. Your old and new numbers are linked, so you can still login to My Account with your old number. Since AAA's system still recognizes both numbers, you can still use your old member card to obtain all eligible AAA services and discounts. However, the new card with the new number is required in order to take advantage of the NOCO Express 10¢ discount.
How is my AAA Pay card used for payment?
The National Payment Card Association has patent-pending technology that enables you to link your checking account and your Personal Identification Number (PIN) with your payment card, so that you can pay for goods and services at participating businesses.
How long will it take for me to receive my new AAA Pay card?
Once you have enrolled in AAA Pay, we will automatically send you a new membership card. Please expect your new card to arrive about 5 business days after enrolling.
Why do I have to swipe my AAA Pay card twice to get the 10¢ discount?
The first swipe at the pump will lower the price by 3¢ per gallon. All AAA members are eligible for this discount, whether or not they have enrolled in AAA Pay. In addition, this first swipe is how you collect reward points from NOCO. After you’ve enrolled in AAA Pay, the second swipe gives you a prompt for your PIN and will lower the price per gallon by another 7¢. The second swipe and discount are only for members who participate in AAA Pay.
My bank card works like a credit card and a debit card. Will any fees be charged to use my AAA Pay card?
AAA Pay is unrelated to your debit or credit card—it works like an electronic check, taking payment directly from your checking account. Neither AAA nor National Payment Card Association charges for use of AAA Pay. However, your bank may charge fees relating to the ACH withdrawal of money from your checking account. Check with your bank for specific details.
How will I collect rewards points and earn NOCO gift cards when I use my AAA Pay card?
Rewards points earned can be found on each receipt. When enough points are accumulated to earn a gift card, please go into a NOCO Express to get the card. The minimum number of points for a gift card is 5,000.
What is the National Payment Card Association?
The National Payment Card Association is a private payment processing company. AAA and NOCO have contracted with National Payment Card to operate AAA Pay. We have entrusted National Payment Card to provide payment services in the same way we rely upon Visa and MasterCard.
Why do you need my driver's license information?
We want to provide you with a convenient way of paying for gas at a lesser price, as well as other items inside the store. It is important to recognize that you are issuing an electronic check when you use the AAA Pay card 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.
Why use your AAA Pay card rather than a regular debit card?
Debit and credit cards are forms of payment that carry large merchant fees from the banking and credit card industry. These charges are transparent to the consumer. However, these charges limit the ability of NOCO to pass rewards directly to you.
How are you able to reward me for using my AAA Pay card?
When you choose to use AAA Pay, the merchant is able to pass the rewards on to you. Retailers operate on low margins, and a high cost of their operation is the credit card merchant fees. When you use a credit card at the station, the merchant pays about 2% of the amount you spend to the credit card company. That is expensive for the retailer.
What is an ACH debit transaction?
- 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.
- Business-to-business payments.
- Electronic checks.
- E-commerce payments and Federal, state, and local tax payments.
ACH stands for Automated Clearing House, which is a highly reliable and efficient nationwide network that provides electronic movement of funds for participating banks.
How long does it take for my AAA Pay card to become active?
Once you have enrolled, the information that you provided will undergo a validation process. This process takes about 3 business days, depending on how quickly your bank posts the small deposit and withdrawal that is part of the verification process. Once you enroll in AAA Pay, you will receive emails from National Payment Card Services that will notify you of your account status and program details, and let you know when any action is needed on your part, every step of the way.
I saw a small deposit of a few cents in my bank account. What is this?
National Payment Card Association validates your enrolled bank account information to ensure that we have the correct account number by submitting a small deposit and withdrawal to your bank account. This "challenge transaction" is a test to confirm the validity of the account. The enrolled card is not activated until this verification process is completed. You will need to know both values to successfully complete the enrollment process.
Where can I use my AAA Membership Card (or my driver's license) as payment?
With AAA Pay, you can use your AAA Membership Card at the pump AND in the store for purchases at any NOCO Express store. Some of NOCO’s in-store Fresh Food partners (such as Charlie the Butcher Express) may also accept your AAA Membership Card as payment, but that varies by location.
Find a NOCO Express Near You
If I conduct a AAA Pay transaction and I do not have sufficient funds in my account, what will happen?
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 card will be deactivated until you make good on your purchase. NSF transactions also result in a "Return Fee." National Payment Card Association, or assigned agents, will try to electronically collect the face amount of the transaction and the associated Return Fee on two attempts.
Do I get charged by my bank for an ACH transaction when I use my AAA Pay card?
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 payments 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 National Payment Card Association if your transaction is returned as NSF (Non-Sufficient Funds). You are responsible for any bank fees associated with using AAA Pay.
Is the User ID for my AAA Pay account the same as my current bank account PIN number?
No. The User ID (PIN) that you select can be any 4-digit number and does not have to be the same as the current PIN that you use with your ATM card or the Web ID to your bank account. It is important to remember your PIN in order to use your AAA Pay account.
How can I make changes to or inquire about my AAA Pay account?