BPC Benefit Cards Now Have PIN Capabilities

Due to new legislation, effective April 1, 2013 you will have the option to pay for eligible Flex expenses using a PIN (Personal Identification Number) when you use your BPC Benefits Card.

In 2010, Congress passed the Dodd-Frank Wall-Street Reform and Consumer Protection Act which requires that debit cards provide consumers with the ability to access their accounts through at least two unaffiliated payment networks to reduce debit card costs and increase the competition in payment processing.  Today the BPC Benefit Card provides one network through MasterCard.  In order to comply with the law, the benefit card company must add a second network.  It is not technically feasible to add a second signature network, so the only practical alternative is to add a PIN network solution.

How do I view/retrieve my new PIN?

        1.  BPC recently launched a new online account manager. If you have not already registered for the site, you can learn how to do so here. You, as a BPC Benefit Card holder, can then log into your account and navigate to the account information page.  You can view your existing cards (only the last 4 digits of the card will display). Next to each entry you will see a View PIN link. Clicking the link will open a new window that displays the PIN for your Benefit Card. 

       2.  Dependent PINs will be listed under the participant’s account as well. The primary account holder should login to retrieve PINs for all cards (including dependents).

To use your PIN at the point of sale, simply select "Debit" and enter your PIN when prompted. 

Using a PIN is not required. You can continue to sign for BPC Benefit Card purchases, just as you’ve done in the past, by choosing "Credit." 

If you forget your PIN at the time of a sale, you can request that the merchant run the transaction using the signature process.  You would then sign the receipt, as you have done in the past with your BPC Benefits Card. 

Some merchants may not have updated their IIAS system to work with the PIN system.  If you use your BPC Benefit Card as a "Credit" card and the signature process, as you have in the past, the IIAS system at the merchant will work to approve the Flex Eligible items.    

You may contact the BPC Flex Department at 217-531-9000 or 877-272-8880 if you have any questions.  

Posted on April 1, 2013 .