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On July 21, 2010, President Barack Obama signed the Dodd-Frank Wall Street Reform and Consumer Protection Act into Federal Law. A component of this legislation, the “Durbin Amendment,” specifically targets the processing of transactions originating from debit cards and prepaid cards, this includes HRA, FSA, and HSA benefit cards. The changes directed by this legislation go into effect April 1, 2013 and will impact how merchants use your benefit card.

As a result of this legislation, PayPro Administrators is writing to inform you that you will now be assigned a unique Personal Identification Number (“PIN”), to go along with your benefit card(s). You will use this PIN, if you are prompted for it during a transaction at the point-of-sale, when purchasing eligible items. It is important to note that there is no need for you to obtain a new benefit card at this time, there will be no changes to your benefit plan(s), and you can continue to purchase eligible items at the same merchants you already shop at.

Note that the use of the PIN is optional at this time.  If you wish to continue using your card with your signature, you can select "credit" at the point of sale.  If "debit" is selected, you will be prompted to enter your new PIN.  If you do not know or remember your PIN, you can simply have the merchant change it to a "credit" transaction.  A “credit” transaction is also referred to as a "signature" transaction.

In order to comply with the new security requirements mandated by the Durbin Amendment, we have redesigned the PayPro Benefits Card page of our website. It is easier to navigate than before, and will prompt you to enter some additional security information on your first visit. In addition, if you have an HSA account through Bancorp, you will notice some new options with regards to funding and investments.

The process to access your account has not changed. You will still go to and click on Flex Login in the upper right corner. Select the Participant login, followed by the Debit Card option. After you have logged into the debit card system, using your same Login ID and Password as before, you will be asked to set up your new security information. Now, when you navigate to the Card Status page, you will see that each benefit card associated with the account (including dependents) will have a "View PIN" link. Clicking this link will open a new window that displays the PIN for that benefit card.

On the following page we have included a list of Frequently Asked Questions that we hope will further assist you in understanding these regulatory changes. If you still have unanswered questions or concerns, please contact your Account Service Representative at 951-656-9273

Best Regards,

PayPro Administrator

Frequently Asked Questions

Q. How are PIN’s assigned?

A. PINs are calculated and unique to your card. The PIN associated with your card cannot be modified. Your Administrator does not have access to your PIN

Q. Do Participant Plans change by adding the PIN?

A. No, your plan(s) does not change as a result of the PIN requirement.

Q. When is the PIN used?

A. You may be prompted to enter your PIN at the point of sale terminal, when you use your benefit card to make a purchase, instead of signing the receipt as you may have done in the past.

Q. Is the PIN required for online purchases?

A. No, you will not need your PIN to complete online purchases of eligible items.

Q. What if the PIN is forgotten at the time of the transaction?

A. If you forget your PIN at the time of a sale, you can request that the merchant run the transaction on the "signature network." You would then sign the receipt, as you may have done in the past with your benefit card.

Q. When I entered my PIN, it was declined at the point-of-sale, even though I used the same card to purchase eligible items in the past.

A. If your transaction is declined when using your PIN, and you think it should have approved, you can request that the merchant run the transaction on the "signature network." You would then sign the receipt, as you may have done in the past with your benefit card. If you are still having an issue with the transaction, call your administrator for further resolution procedures.

Q. Is the PIN shared by all cardholders on an account (Participant as well as Dependents)?

A. No, each benefit card will have its own, specific PIN. The primary account holder will have the ability to view all of the PINs associated with the dependent cards connected to the account.

Q. Can a PIN be customized?

A. No, a PIN cannot be customized at any point. The PIN is specific to the given card. If a card is reported lost/stolen, a new card must be issued, and that card will have its own PIN.

Q. Can I have my PIN mailed to me?

A. At this time, we are strongly encouraging that all Participants utilize the website to obtain their PIN. It is faster, easier, and more secure.

Q. A card is officially reported as Lost/Stolen, does the user get a new PIN with the new card?

A. Yes, when you report your card as lost or stolen and your administrator issues a replacement card, the replacement card will have a new number and a new PIN. Once you receive the new card you can retrieve the PIN electronically, or your administrator may send you a PIN mailer automatically (if applicable), or you may request that your administrator send you a PIN mailer.