A “Zipline NPCA” line on your bank statement is an ACH debit from ZipLine, the payment processor formerly called the National Payment Card Association. It almost always traces back to a fuel or convenience-store loyalty program you signed up for at the pump or register, one that pulls money straight from your checking account instead of running a credit or debit card. If you don’t want the charges to continue, you cancel the enrollment with the merchant; if you never authorized them, federal law gives you a route to dispute them through your bank.
Which Program the Charge Belongs To
ZipLine powers the “pay from checking” option inside several well-known loyalty programs. The debit on your statement corresponds to a purchase made through one of them:
- Circle K Easy Pay
- Cumberland Farms SmartPay
- Giant Eagle AdvantagePAY, used at GetGo stations
- Irving Oil’s Irving Debit Pay
- Spinx Xtras Card1PDI Technologies. PDI Acquires ZipLine
Because ZipLine routes payments outside Visa and Mastercard using the Federal Reserve’s ACH network, the statement descriptor shows “Zipline,” “NPCA,” or a mix of the two rather than the store’s name.2CSP Daily News. NPCA Rebrands as Zipline3Circle K. Easy Pay4Giant Eagle. myPerks Pay Direct Transactions typically post one to three business days after the purchase.
How to Stop a Charge You Signed Up For
If the debit is legitimate but you want it to stop, cancel your enrollment in the loyalty program itself. Each merchant runs its own customer service line. Circle K Easy Pay uses 855-276-6088. Cumberland Farms SmartPay handles account questions through its ZipLine portal. General ZipLine support is at 877-403-2222.3Circle K. Easy Pay5ZipLine (NPCA). Frequently Asked Questions
The Consumer Financial Protection Bureau recommends revoking authorization with the company both by phone and in writing, then telling your bank you have done so.6Consumer Financial Protection Bureau. How Can I Stop a Company From Electronically Taking Money Out of My Bank Account You can also file a stop payment order with your bank, which must be submitted at least three business days before the next scheduled debit. Banks usually charge a fee for this. If you gave the instruction orally, you generally need to follow up in writing within fourteen days to keep it in force against future debits from the same originator.
How to Dispute a Charge You Didn’t Authorize
If you never enrolled, or the debits keep coming after you cancelled, the Electronic Fund Transfer Act and Regulation E apply. ACH decoupled-debit transactions get the same protection as traditional debit card transactions.7Consumer Financial Protection Bureau. Electronic Fund Transfers FAQs Timing sets your maximum liability:
- Report an unauthorized transfer within two business days of learning about it: your loss is capped at $50.
- Report after two business days but within sixty days of the statement showing the transfer: the cap rises to $500.8eCFR. Regulation E – Electronic Fund Transfers
Your bank must investigate promptly. It cannot require you to file a police report or contact ZipLine first before opening the investigation.7Consumer Financial Protection Bureau. Electronic Fund Transfers FAQs Because ZipLine is a third-party processor rather than your bank, the bank still owes you a “reasonable investigation” that looks at ACH transaction history, account activity, and information from its own service providers, not just the payment instructions on the debit.9Consumer Compliance Outlook. Error Resolution Procedures The burden of proving the transaction was authorized falls on the bank, not on you. Network rules that call a transfer “final and irrevocable” do not override these federal protections.
If a Debit Bounced: Return Fees and Collections
ZipLine debits post after the purchase, so a charge attempted against insufficient funds isn’t declined at the pump. Instead, the bank returns the ACH debit later. When that happens, ZipLine deactivates the loyalty card and tries to collect the purchase amount plus a return fee set at “the maximum amount permissible by state law.”5ZipLine (NPCA). Frequently Asked Questions Some merchants publish their own figure. Spinx, for example, discloses a $35 administrative fee on returned ACH debits.10Spinx. Spinx Xtras Terms and Conditions
ZipLine or its collection partner CHECKredi will make up to two electronic attempts to recover the money. If both fail, the account is flagged, membership may be cancelled, and the debt can be sent to a collection agency.11Irving Oil. Irving Rewards FAQ CHECKredi has drawn legal challenges over its methods: a federal suit filed in the Northern District of New York alleged that CheckRedi of Kentucky LLC violated the Fair Debt Collection Practices Act and the Electronic Fund Transfer Act by making unauthorized bank withdrawals, failing to notify consumers of debts before attempting collection, and engaging in abusive conduct.12Top Class Actions. FDCPA Lawsuit Filed Against CheckRedi If a collector contacts you about a returned ZipLine debit, the same FDCPA protections against unauthorized withdrawals and inadequate notice apply.