Pay a Friend (P2P) FAQs
- Do I need to apply for a new debit card or PIN or enroll in Pay a Friend to send money?
- Do I need to register for the Pay a Friend service?
- Is there a cost to use Pay a Friend?
- Is this service available outside of the United States?
- Is Pay a Friend available on mobile and desktop devices?
- Are funds withdrawn from my account immediately?
- If I have an account at another financial institution that does not use Pay a Friend, can I send money from that account?
- How do I know Pay a Friend is secure?
- How do I know this is not a phishing scheme?
- If I use Pay a Friend, will I receive text or spam messages?
- What is “Payzur”? That name appeared in the link sent to one of my recipients.
- Why do you need my email address?
- Will my personal information be shared with the recipient?
- What if my recipient does not receive the payment?
- What if I enter the wrong PIN?
- What if I send funds to the wrong number or email address?
- Why did I receive an “exceeds limits” error?
- How do I register for the service?
You only need a debit card linked to an ILWU Credit Union account with an active PIN (Personal Identification Number). If you already use ILWU Credit Union's Online or Mobile Banking system, there are no downloads. Just log in and navigate to the Main Menu > Transactions > Pay a Friend page.
Yes, the first time you visit Pay a Friend, you will need to accept the Pay a Friend (P2P) Terms and Conditions and enter your debit card number and expiration date. You will not need to enter this information again unless the original card expires or becomes ineligible and needs to be deleted.
There is no fee to send money. The recipient pays no fee and receives the full amount you choose to send.
Currently, this service is only available within the United States.
Yes, you can access Pay a Friend on your smartphone, tablet, and desktop computer.
Sending funds is similar to withdrawing money from an ATM; funds are immediately debited from your account. The timing of when funds are received depends on the recipient. If the recipient uses a debit card in a participating network, the funds are available immediately. Otherwise, the recipient is prompted to provide details for a checking account, and funds are available in 1 to 3 business days, depending on the recipient’s financial institution’s process.
If I have an account at another financial institution that does not use Pay a Friend, can I send money from that account?
While any eligible account can receive funds, only accounts authorized through ILWU Credit Union can be used to send funds.
Pay a Friend is a feature of Online and Mobile Banking, which includes many security features designed to protect your financial information. Pay a Friend also utilizes a scrambling PIN pad that requires PIN entry by mouse or touch screen; a PIN cannot be entered by typing numbers on the keyboard. This feature helps keep the transaction secure if your device is infected with viruses or malware that track keystrokes. In addition, the PIN is encrypted so it never travels across payment channels as a numeric PIN.
The PIN pad is branded with ILWU Credit Union’s logo and only appears after you review the transaction in Online or Mobile Banking and click “Continue.” It opens within the Pay a Friend page; there is no redirection to another site or “pop-up.” You’ll still be able to see your cardholder information behind the PIN pad.
The last four digits of the debit card number appear on the PIN pad; the first 12 digits are masked. ILWU Credit Union’s logo appears on the top of the PIN pad. The PaySecure logo appears on the bottom right of the PIN pad.
The only text or email messages you will receive will relate to the sending or receiving of funds.
Acculynk Payzur is the name of the service used to process Pay a Friend payments.
Messages regarding your transaction(s) will be communicated via email. To learn how your personal information will be used, please review the Pay a Friend (P2P) Terms and Conditions.
Only your name is shared with the recipient. For details, review the Pay a Friend (P2P) Terms and Conditions.
If the recipient does not claim the funds within 10 days, the funds are returned to your account.
You have two chances to enter the PIN correctly before access to the PIN pad is disabled in Online and Mobile Banking. The PIN pad will reset after 24 hours.
For real-time payments, a recipient can access funds immediately. If the recipient has not yet received the transaction, an ILWU Credit Union representative can cancel the transaction. Otherwise, the recipient must send the funds back to you or give permission to their financial institution to return the funds.
You may have exceeded one of our Pay a Friend limits. Your daily Visa debit card limits apply.
When you access Pay a Friend for the first time, you will need to accept the Pay a Friend (P2P) Terms and Conditions. The system will use the information on file within Online Banking to create your user profile. You will then be asked to enter your debit card number along with the expiration date.