The Reloadable Visa® Debit Card is a reloadable card, which means you can spend up to the value placed on the card anywhere Visa® debit cards are accepted. You can shop in stores, online, over the phone, and by mail order. You can get cash at Visa® ATMs worldwide. Each time you make a purchase, the amount of that purchase is automatically deducted from the card. When used in international markets where merchants authorize with the Chip & PIN on the front of the card instead of the magnetic stripe on the back of the card, the Reloadable Visa® Debit Card avoids unnecessary declines.