Frequently Asked Questions

INSTANT SIGN UP

Visit any LASCO PAY agent location and register with as little as a valid ID and TRN. Higher account tiers may require additional registration information such as proof of address.

ONLINE SIGN UP

1. Visit www.lascopayja.com
2. Select “Apply Now”
3. Enter your information (name, TRN, email address, phone number, etc.)
4. Upload a copy of your valid National ID
5. Upload a copy your proof of address (e.g. utility bill)
6. Click “Submit”

You’ll receive a confirmation email, with the details of your application. Please allow 2 weeks for your card to be prepared for pickup at a LASCO PAY location.

Activation

HOW DO I ACTIVATE ONLINE?

1. Visit www.lascopayja.com
2. Select “Activate Card”
3. Enter your Mastercard details as well as your email address and phone number.
4. Click “Continue”
5. Enter your Default PIN (located in your welcome letter)
6. Confirm your Default PIN
7. Click “Activate”
8. Change your default PIN after activation

Errors cardholder may receive

1. "*Required" – all text boxes are required, info must be entered to proceed
2. "Information entered does not match our records. Please check email/letter for correct information and try again. Call 888-LAS-CARD (527-2273) toll-free from Jamaica to speak to a Customer Service Representative"" – Cardholder entered information incorrectly, system will not say what piece of info is incorrect for security purposes. Information should be entered exactly how it is presented in welcome letter or email. Many persons enter card number incorrectly too. (so… if any piece of info is incorrect, they will receive error above)
3. "Card already activated." – Card was previously activated

CAN I ACTIVATE MY MASTERCARD CARD BY CALLING IN?

1. Visit www.lascopayja.com
2. Select “Activate Card”
3. Enter your Mastercard details as well as your email address and phone number.
4. Click “Continue”
5. Enter your Default PIN (located in your welcome letter)
6. Confirm your Default PIN
7. Click “Activate”
8. Change your default PIN after activation

Change PIN

HOW DO I CHANGE MY PIN?

1. Visit www.lascopayja.com
2. Select “Change PIN”
3. Enter your Mastercard details as well as your email address and phone number.
4. Click “Continue”
5. Enter your CURRENT PIN
6. Enter your NEW PIN
7. Confirm your NEW PIN
8. Click “Change PIN”
9. Change your default PIN after activation

Errors cardholder may receive

1. "*Required" – all text boxes are required, info must be entered to proceed
2. "Information entered does not match our records. Please check email/letter for correct information and try again. Call 888-LAS-CARD (527-2273) toll-free from Jamaica to speak to a Customer Service Representative"" – Cardholder entered information incorrectly, system will not say what piece of info is incorrect for security purposes. Information should be entered exactly how it is presented in welcome letter or email. Many persons enter card number incorrectly too. (so… if any piece of info is incorrect, they will receive error above)
3. "New PINs do not match" – The New PIN and confirmation PIN provided do not match
4. "N - Not Verified" – Current PIN provided is incorrect

Purchases

WHERE CAN I USE THIS CARD?

You may use this card anywhere Mastercard is accepted, both locally on accepting POS terminals as well as online and overseas.

ONLINE

1. You may use your card with any online merchant which accepts Mastercard, anywhere in the world.
2. Simply enter your card details (including card number, expiry date and CVV).

MASTERCARD MERCHANT

Swipe your card at any bank POS that accepts Mastercard to make a purchase worldwide.

EPAY MERCHANT

Swipe your card at any ePay POS that accepts Mastercard to make a purchase.

Withdrawals

LASCO PAY AGENT

Visit a LASCO PAY agent and provide a valid ID, TRN and your card to complete the Cash-OUT transaction.

*Cardholder must have: the cell number in system associated with card account and valid ID

SAGICOR BANK ATM

1. Insert Card
2. Enter PIN
3. Select Cash Advance
4. Enter Amount
5. Retrieve Cash

Max withdrawal limit 19,000.00 JMD daily.

NATIONAL COMMERCIAL BANK JA ATM

1. Insert Card
2. Enter PIN
3. Select "Savings"
4. Enter Amount
5. Retrieve Cash

ATM owner sets max withdrawal limit at the ATM.

BANK OF NOVA SCOTIA JA BANK ATM

1. Insert Card
2. Enter PIN
3. Select "Savings"
4. Enter Amount
5. Retrieve Cash

ATM owner sets max withdrawal limit at the ATM.

Top-Ups

LASCO PAY AGENT

Visit a LASCO PAY agent and provide a valid ID, TRN and your card to complete the Cash-IN transaction.

*Cardholder must have: the cell number in system associated with card account and valid ID.

I CHANGED MY CELL, REINSTALLED, BUT THE APP WON'T LOG IN?

As a security feature, the application is locked to your phone (old phone). Let us know by calling 888-LAS-CARD and a customer service rep will reset the application for you.

HOW DO I CHECK MY BALANCE ON APP?

1. Login using card number and PIN
2. In the top-left corner, select Menu and the side menu will appear
3. Select “Check Balance”
4. App will display total balances for all your accounts

HOW DO I TRANSFER FUNDS BETWEEN LASCO PAY CARDS?

1. Login using card number and PIN
2. in the top-left corner, select Menu and the side menu will appear
3. Select “Transfer Funds”
4. Select the account you’d like to transfer from
5. Enter recipient’s card number
6. Enter the amount to be transferred
7. Enter your PIN
8. Select “Transfer Funds”

HOW DO I ORDER MEALS THROUGH THE APP?

1. Login using card number and PIN
2. in the top-left corner, select Menu and the side menu will appear
3. Select “Meals Order”
4. App will present list of restaurants currently assigned to you
5. Select the restaurant of your choice
6. View their Menus, change categories and add items to your cart
7. When complete select “CheckOut”
8. Confirm the Items in your cart
9. Add delivery address
10. Click “Confirm Checkout”

HOW DO I PAY BILLS THROUGH THE APP?

1. Login using card number and PIN
2. in the top-left corner, select Menu and the side menu will appear
3. Select “Pay Bills”
4. Select your service provider from the dropdown list
5. Enter your account number
• *For JPS accounts please enter account number in the format xxxxxx-xxxxxxx
• *Dash must come between customer number and premises number
6. Enter the amount you wish to pay
7. Enter your PIN number
8. Click “Pay Your Bill”

HOW DO I PURCHASE CREDIT THROUGH THE APP?

1. Login using card number and PIN
2. in the top-left corner, select Menu and the side menu will appear
3. Select “Phone Credit”
4. Select your service provider
5. Enter the cell phone number to be topped up
6. Enter the top-up amount
7. Enter your PIN number
8. Click “Buy Talk Time”

CAN I CHECK MY TRANSACTIONS ON THE APP?

1. Login using card number and PIN
2. in the top-left corner, select Menu and the side menu will appear
3. Select “Recent Transactions”
4. Your last 10 transactions will appear.
5. You can then change your transaction view as desired.

WHAT DO I USE FOR MY BILLING ADDRESS?

For merchants that require a billing address, you may use the shipping address entered or your own local address in Jamaica, if the merchant accepts these addresses.

HOW SECURE IS THIS CARD?

Your LASCO PAY card is backed by the reliability and security of Mastercard. Our secure servers and technology are designed to protect your information. Your LASCO PAY Prepaid Mastercard makes transactions easy, secure, and convenient.

I LOST/BROKE/DESTROYED MY MASTERCARD, WHAT DO I DO?

1. Report all lost/misplaced/stolen/damaged cards to LASCO Financial Services
2. Call us toll free at 888-LAS-CARD (527-2273).
3. Your account will be verified
4. A representative will immediately freeze your account, to avoid any unauthorised usage
5. The representative will also guide you through the process of getting a new card

IS MY MASTERCARD BALANCE DIFFERENT FROM MY LASCO PAY BALANCE?

Your card is setup with three buckets or sub-accounts which can be funded.

Individual Account

This is the money that you are free to spend and withdraw at any time. Monies topped via card-to-card transfers, bank transfers and top ups at LASCO PAY agent locations are applied to this account.

Company Benefit

If you are attached to company that provides a benefit such as a lunch subsidy to its employees through the LASCO Pay program, your company will top up this account with your benefit.

Payroll Account

If you are attached to a company that opts to allow you to do an advance, we will give you a ceiling amount (e.g. 20,000.00) that you can spend or withdraw up to.

Whatever you use of this amount is then deducted from your salary at the end of the month.

MY COMPANY BENEFIT WAS NOT REFRESHED.

Contact your human resources department, they are responsible for the top up of company benefit funds to employees’ accounts.

WHAT DOES “VALID THRU” ON MY CARD MEAN?

This is the date of expiry for your card (MM/YYYY).

WHAT’S THE NUMBER ON THE BACK OF THE CARD?

This number is the card’s CVV number. This is a security number used when conducting online transactions.

HOW DO I DEACTIVATE MY MASTERCARD?

Call our customer support centre at 888-LAS-CARD (527-2273). A representative will assist you.

I’VE BEEN TRYING TO LOGIN BUT NEVER BEEN ABLE TO?

First Time Login

1. Visit www.lascopayja.com
2. In the top left corner enter your cardnumber as your username
3. Enter your last name as your password (If the card is unpersonalized, your password is "CARDHOLDER")
4. Click Login
5. You’ll be prompted to update your password

Forgot your password?

1. Visit www.lascopayja.com
2. In the top left corner Select “Forgot your password?”
3. Enter your card number
4. Click Submit
5. An email will be sent to the email address associated with that card account, containing a new default password and a link to change your password.

What if no email is received?

1. Check your Spam/Trash Folders
2. Check if the correct card number was submitted
3. Check if your card account has an email address supplied
4. Check email correctness
• If you received your card through your company, speak with your human resources representatives about updating your account with the correct email
• Or contact us and we’ll update your profile with the correct email.

MY CARD KEEPS DECLINING WITH THE “INSUFFICIENT FUNDS” ERROR

You may not have any funds on your account. Check your available balance via the LASCO PAY App or login to your profile online.

• It may also be that you are trying to use company benefit funds from your company at merchants not approved by your company. Your company has the right to decline the use of the company benefit funds at certain merchants, this may be the case.