作为加拿大最容易上手 MS 手段 – PPP 大法， 旧版 可充值黑色卡已经断了有些日子。 新版的数字可充值的绿色卡 可以使用，但刚开始接触 PPP 的新手还是有些犹豫，群里讨论依然很多，于是特地请 Lexie 分享一下她的新版 ppp 的申请和使用。

延伸阅读:
浅谈 Manufactured Spending （MS）

使用新版PPP

第 1️⃣ 步：注册 PPP 账户，申请 reloadable digital card (绿色那张)

第 2️⃣ 步：充值

如果直接注册 ppp 申请 digital card，需要在线充值 $20 (⚠️ 在线 无 Amex 选项)

接下来 充值都是选择 in-store -> other locations， 这样就会生成一个条形码，和老版实体卡一样操作。
⚠️ 这个条形码不会变， 截屏保存下来即可。

第 3️⃣ 步，billpay 或者添加到 数字钱包 直接消费使用

PPP 额度限制

Limits Details Non-Reloadable PayPower Digital Reloadable PayPower
 Linked Cards (Digital+Physical)
Maximum Card Balance $500 $10,000 Shared Balance $10,000
First Load Limit $20 $20 $20
Maximum Load to Card per transaction $500 N/A $500 $500/card
Online credit/debit N/A $500 $500/total
Interac e-Transfer® N/A $3,000 $3,000 total
Direct Deposit N/A $10,000 $10,000 total
Maximum daily combined load limit $500 $10,000 $10,000 total
Maximum daily spend at point-of-sale $500 $10,000 $10,000 total
Maximum daily ATM withdrawal N/A N/A $500 total
Maximum number of daily ATM withdrawals N/A N/A Unlimited for physical card
Maximum daily combined spend and cash withdrawal $500 $10,000 $10,000 total
Bill Pay 5 N/A 5 5 total
Maximum daily Bill Pay cumulative amount (per 24 hours) N/A $1,000 $1,000 total
Maximum number of Bill Pay transactions per 7 days N/A 10 10 total
Maximum cumulative Bill pay amount per 7 days N/A $2,500 $2,500 total
Maximum number of Bill pay transactions per 30 days N/A 15 15 total
Maximum cumulative Bill pay amount per 30 days N/A $5,000 $5,000 total
Maximum Card-to-Card transfer limit per transaction Up to $500 N/A N/A

PPP 收费标准

Fees1 Details Non-Reloadable PayPower Digital Reloadable PayPower
Card purchase fee $9.95 + applicable tax $2.50
Monthly Inactivity Fee. If your card is not converted to be reloadable and a balance remains after the 12th month from the date of activation, this fee will apply. N/A N/A
Monthly Maintenance Fee N/A $1
Load Funds $6.95 N/A $6.95
Online credit N/A $4.95
Online debit N/A $3.95
Interac e-Transfer® N/A $1
Direct Deposit N/A FREE
Spend funds 3% of the converted transaction amount 3% of the converted transaction amount 3% of the converted transaction amount
Bill Pay N/A $1.95
Card to card transfer (from my non reloadable card to my reloadable card) FREE N/A
Withdraw funds $1.95 N/A $1.95
ATM2 (International) N/A N/A
Card Inquiries FREE FREE FREE
via ATM2 N/A N/A
via IVR FREE FREE
via live agent (per call) FREE FREE
Card replacement (lost, stolen or damaged) $10 $2.50
Card refund / cancellation cheque balance fee $10 $10

讨论

参考上面表格，新版数字卡 上限 $10000, 月费 $1, 每次充值手续费 $6.95, 每次 billpay 手续费 $1.95； 相比于老版 reloadbale， 月费便宜了

根据群里讨论和 lexie 自身实操，digital card 充值是没问题的； 最近在 Save on food 充值，小二说没见过，但坚持告诉他是新版，扫一下就可以了，小二也是可以操作的。 但也有一些 DP 显示，有些店小二不给数字条形码充值。欢迎大家报一报自己的 DP，也欢迎讨论各种 PPP 相关问题。

配合 PPP MS 信用卡选择

想要自己摸索，可以参考博客总结 🇨🇦 加拿大信用卡高倍返利消费类别总结

懒人包 看博客推荐以下几张卡

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