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I have a friend who loaded a M/Card cash passport with around 50 Coles Gift M/Cards from Fathers Day promotion and had this issue.  After around 2 months of back and forth with M/Card (where he provided all info requested, including receipts for purchasing the gift M/Cards and the CC statements they were purchased with) M/Card's offer was to allow him to withdraw money. Due to dollar movements, after converting back to AUD from GBP this was a loss of about $120.  He complained to Ombudsman, M/Card then agreed to refund original amount to him and cancelled the card. I suspect that regardless of the legitimacy of the VPAY loads this will end up the same, obviously excluding the issues with FOREX conversions.




Mostly regular purchases at shops where AMEX not accepted. One overseas (online purchase) but given the request the issue appears to be with the loading, not spending.


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