Canadian Tire mPay & Play® - What you need to know.
Frequently Asked Questions

What is Canadian Tire mPay & Play® and why should I use it?

Canadian Tire mPay & Play® is a payment solution available at Canadian Tire stores that goes beyond mobile payments by offering Canadian Tire Options® MasterCard®, Options® World MasterCard®, Gas Advantage® MasterCard® and Cash Advantage® MasterCard®  cardholders bonus rewards, offers, gaming and convenient account servicing.

App users are able to:

·         View their loyalty balance:

-       Options MasterCard and Options World MasterCard cardmembers can view their Canadian Tire ‘Money’® balance and redeem or collect  CT ‘Money’ ™

-       Gas Advantage cardmembers can view their current months gas discount

-       Cash Advantage cardmembers can view their current cash back balance

·         View, save and redeem Canadian Tire ‘Money’ bonus offers.

·         Pay at Canadian Tire using their registered Canadian Tire Bank issued credit card. 

·         Account Servicing (Account Balance, Credit Card transaction history, credit limit and more!)

I locked myself out of the app, how do I get back in?

Correctly answer the security questions you created upon registration to successfully unlock your account.  If your attempts fail, call 1-800-459-6415.

I forgot my 5 digit access code, what do I do?

No problem at all. Just reset your access code by correctly answering your security questions. Upon verification you’ll be prompted to create another 5 digit access code.

What if I lose my smartphone?

It’s always a good idea to create a difficult access code in instances like this in case someone tries to tamper with your account. Make sure to also notify your smartphone carrier. 

How do I set up the Canadian Tire mPay & Play app?

Once you download the app to your smartphone, open it, accept the terms and conditions and:

1.            Create your Profile (Username and Access Code)

2.            Add your Canadian Tire Options® MasterCard®, Options® World MasterCard®, Gas Advantage® MasterCard or Cash Advantage® MasterCard

3.            Create your security questions to secure your profile

For more information or for help registering, call 1-800-459-6415.

Can I register more than one card?

Yes, multiple cards can be loaded onto a profile. For example, a user can register a Canadian Tire Options MasterCard along with a Canadian Tire Options World MasterCard.

Can my supplementary cardholders use the app too?

Of course!  Share the experience.  To add a supplementary cardholder, select ‘More’, add the supplementary cards and enter in the supplementary credit card information to add to your profile. Once you have authorized supplementary card access, your supplementary cardholder can download the app to their own device and add the supplementary card that they hold.

Supplementary cardholders are able to engage with the app in the same way, earning badges and receiving offers. Please note that supplementary cardholders will earn badges independently of the primary accountholder, however, any rewards earned belong to the primary account holders.

Can my credit card be loaded in multiple phones?

For your protection and security, you cannot load your credit card information on multiple phones.

What phones can download this app?

Canadian Tire mPay & Play is available for Apple and Android.  For the best experience, make sure the operating software on your device is up to date.

·         For Apple users, any iOS 9.0+ on iPhone 5 and above.

·         Android 4.1 and above.

·         Samsung Galaxy S3 and above, Samsung Galaxy Note 2 and above, HTC One M7 and M8, Google

·         Nexus 5 and 6, Moto X 2013 and above.               

You can download the app at on the Apple App Store or Google Play.

 

How do I make a purchase using the Canadian Tire mPay & Play app?

Click on the ‘Quick Pay’ icon located on the home screen to display the bar code. Scan this at your Canadian Tire checkout and your purchase will be processed! It’s that simple! Paying with the Canadian Tire mPay & Play app is the same as paying with your plastic card..

Where can I use the Canadian Tire mPay and Play app?

You can make purchases with the app at any Canadian Tire store.

Can I redeem Canadian Tire ‘Money’ using the app?

Absolutely! Redeem your loyalty rewards at any Canadian Tire store.  Just show your  Canadian Tire Options® MasterCard®, Options® World MasterCard®, Gas Advantage® MasterCard® or Cash Advantage® MasterCard® barcode from the app to the cashier, just as you would for a transaction. Let them know that you would like to redeem and you are set!

Can I transfer/donate my Canadian Tire ‘Money’ using the app?

Although it’s a great idea, unfortunately you cannot transfer Canadian Tire ‘Money’ using the app.  You can request a “transfer” of Canadian Tire ‘Money’ to others (e.g. family, friends, neighbours, or anyone ) by calling the My Canadian Tire ‘Money’® Contact Centre at 1-800-226-8473.  Please note that transfers are at the discretion of Canadian Tire Corporation, Limited and the person you want to transfer your Canadian Tire ‘Money’ to must be a member of the My Canadian Tire ‘Money’ Program. You may also “donate” the Canadian Tire ‘Money’ to Canadian Tire to Jumpstart by calling 1-800-226-8473.  Please see the My Canadian Tire ‘Money’ Program Terms and Conditions for more information.

Do I have to use the app to collect Canadian Tire ‘Money’?

No, you can still collect Canadian Tire ‘Money’ by using your credit card or another method of payment along with your My Canadian Tire ‘Money’ card.

How soon will I see my Canadian Tire ‘Money’ on the app after using my app or credit card on a purchase?

Your Canadian Tire ‘Money’ balance will be updated once the transaction is posted to your account.

 

How do I earn badges and can I choose which badge I want to receive?

Keep using your registered Canadian Tire bank issued credit card and the Canadian Tire mPay & Play app. The more you use it, the more badges you earn. For every 10 badges you earn:

-       Options MasterCard and Options World Mastercard cardmembers can collect 10x BONUS Canadian Tire ‘Money’ on your purchases at Canadian Tire during the offer period.  That’s on top of the 10X CT ‘Money’ you collect everyday† at Canadian Tire.

-       Gas Advantage and Cash Advantage Mastercard cardmembers can earn a $5 statement credit.

Click on the details of each badge to learn more and how you can earn them

Do my badges expire?

No. We don’t want to take away the badges you have worked so hard for.

How soon will I earn a badge after completing the required action?

You will receive badges within 3 – 7 days of completing the action.

Do I earn anything for playing the app hockey game?

We created the Game as an extra element of fun. Enjoy the experience and stay tuned for other entertaining features to come.

 

What types of offers will I receive and how often? 

As an app user, you will gain access to many exciting deals from the Canadian Tire Family of Companies (Sport Chek, Mark’s, Canadian Tire Retail, PartSource, Gas+) as well as grocery, dining, entertainment and recreation deals.  

New offers will be provided monthly so look for updates.

How long will my saved offers be stored?

The offers you select will be saved until the offer expires.

Are these different offers than My Canadian Tire ‘Money’ offers?

Yes, as a Canadian Tire mPay & Play user, you will receive cardmember exclusive offers.

Can I give someone else my offer?

The offers you receive are meant for you.

How do I redeem my offers?

Instructions are provided on each specific offer.

 

Can I transfer balances or pay bills using the Canadian Tire mPay and Play app? 

Not at this time, but we are always looking to improve your experience and updates will continuously be made to keep our customers’ needs in mind.

How often are my account activities updated?

Transactions made using your registered Canadian Tire Bank issued credit card can take 1-5 business days to post. Bill payments completed via bank, internet or mobile banking will take 1-2 business days to post. Cash/Debit payments at Canadian Tire stores will be reflected within a 24 hour period. 

When will my transactions update in the app?

Transactions will show instantly even though the purchase will not be posted to the account.  Typically transactions take a minimum of 1-2 business days before you can see the transaction posted to your credit card account.

 

How is my credit card information kept safe with the Canadian Tire mPay & Play app?

Your credit card information is not stored on the mobile device. All credit card details are maintained within Canadian Tire Bank’s secure platform and can only be accessed by the single, specific mobile device in which the card number has been registered and only by the wallet application that registered it.  For added precaution, you will be logged out of the app after 10 minutes of inactivity.

What if I want to change my password (access code)?

You can change your security settings at any time. Tap on the ‘More’ tab and edit the information submitted within the security section.

What if I want to change my security questions?

You can change your security questions at any time. Tap on the ‘More’ tab and edit the information submitted within the security section.

What if I want to change my username?

You can change your username at any time. Tap on the ‘More’ tab and edit the information submitted within the security section.

How can I change the language between English and French?

You can change your language settings at any time. Tap on the ‘More’ tab and select “language” to switch between English/French. The app will then restart, and you will be required to enter your access code.

How do I know I have the most up-to-date version of the Canadian Tire mPay & Play app?

We will notify you via notification! Once the new version is downloaded, you will be required to agree to the updated terms and conditions.  For the best app experience, you should always have the most updated version of Canadian Tire mPay and Play on your smartphone.

Do I need to be connected to WiFi or my cellular network to use Canadian Tire mPay and Play app?

Yes, internet connection is needed for the app to access all the information you have stored on it.

What if I get a new phone?

1.   Make sure you know your Username and your Security Questions.

        How do I retrieve my Username and Security Questions?

        Username:

            i.  Log into your Canadian Tire mPay & Play app.

            ii.  Select MORE in the bottom menu.

            iii.  Select Security.

            iv.   Your username is visible on the first line, make sure to take note of it.

        Security Questions:

            If you do not remember your security questions, please follow the following steps to reset them.

            i.  Log into your Canadian Tire mPay & Play app.

            ii.  Select MORE in the bottom menu.

            iii.  Select Change Security Questions and follow the steps reset them

2.  Backup your old phone. During setup process, you will sync your old file to your new phone. iPhone instructions can be found at https://support.apple.com/en-ca/HT201269. If you are an Android user, or if you encounter issues, contact your service provider for set up support.

3.  Download Canadian Tire mPay & Play on youe new phone. When you are at the CREATE PROFILE screen, select “Sign in now.” You will be prompted for your username and you will have to answer your security questions. 

How do I turn push notifications on or off?

The answer is different for iOS and Android users.

For Apple users:

1.            Open Settings

2.            Scroll down and tap on Canadian Tire mPay & Play

3.            Toggle the notification setting

For Android users:

1.            If you opt-ed out upon installation you must re-install the application

2.            If you opt-ed in during installation, you are able to toggle your notification settings as follows:

a.            Open Settings

b.            Tap apps

c.             Tap Canadian Tire mPay & Play

d.            Toggle notifications

What mobile devices are compatible with the Canadian Tire mPay & Play app?

For Apple users, any iOS 8 on iPhone 5 and above.

Android 4.1 and above.

Samsung Galaxy S3 and above, Samsung Galaxy Note 2 and above, HTC One M7 and M8, Google Nexus 5 and 6, Moto X 2013 and above.

 

Android Pay Frequently Asked Questions

What is Android Pay?

Android Pay is a new home for your cards. You already use your phone for just about everything. Now you can pay with it, too. Just add your participating credit, loyalty, and gift cards to Android Pay, and start shopping in stores and in apps.

Which devices can I use Android Pay with?

Any Android smartphones and tablets running Kit Kat 4.4 and above.

To make in-store payments, your phone also needs to support NFC (Near Field Communication). To check for NFC, look for it in your phone’s Settings app. You can make in-app payments even if your phone does not have HCE.

How can I set up Android Pay?

Download Android Pay on the Google Play store. Then, add your Canadian Tire Mastercard by confirming a few details. It’s that simple!

Where can I use Android Pay?

Android Pay can be used at millions of stores around the world, including Canadian Tire, Sport Check, Mark’s and everywhere else contactless payments are accepted. If you are not sure,  look for one of these symbols at checkout:

Android Pay can also be used in apps when you see the Android Pay symbol:

Which Canadian Tire Mastercard products can I use with Android Pay?

All Mastercard products issued by Canadian Tire Bank are eligible for use with Android Pay:

  • Options® World Mastercard®
  • Options® Mastercard®
  • Gas Advantage® Mastercard®
  • Cash Advantage® Mastercard®
  • Canadian Tire Low Rate Mastercard®
  • Gold Mastercard®
  • Sport Check Mastercard®

How can I add my Canadian Tire Mastercard to Android Pay on my Android device?

  1. Download the Android Pay app on the Play store if it isn’t already on your device
  2.  Open the app and tap “+” to add your Canadian Tire Mastercard
  3.  Allow Android Pay to access your camera to capture your card details automatically (or enter the details manually if you do not want to allow camera access)
  4.  Confirm your CVC (3 digit number on the back of your card) and address
  5.  Read and accept the terms and conditions
  6. Verify your card by entering a one-time passcode, which will be emailed to you by Canadian Tire Financial Services. If you haven’t provided an email address, you will be prompted to call us 1-800-459-6415 That’s it. You’re ready to pay in stores, in apps, and online

Can I add my Canadian Tire Mastercard on more than one device?

Yes, you can add your card on multiple devices.

How do I make my Canadian Tire Mastercard the default card if I’ve added more than one card to Android Pay?

  1. Tap the Android Pay app
  2. Touch and hold the Canadian Tire Mastercard you want to set as your default card

Drag the card to the top of the stack and release your finger

How do I make a purchase with Android Pay?

In store: wake-up your phone when you’re ready to check out and hold it close to the payment terminal – no need to open the app. Purchases made in store using Android Pay typically have a limit of $100, this is set by the merchant.

In app: make a one-tap purchase when you select the Android Pay button.

Whether you’re shopping in-store or in app, the merchant will never receive any personal identifying information, including your credit card number.

How do I return an item purchased with Android Pay?

In most instances, a return should work with Android Pay the same as it would if you had swiped a regular card. The key difference is that instead of the merchant having to swipe your card again you'll have to tap your phone on the payment terminal again to verify the return. Be sure to check that the Card selected in Android Pay is the one that you used for the original purchase. In some cases you may also be asked for the last few digits of your Card number. If this happens, you should provide the last few digits of your virtual account number. To view the last four or five digits of the virtual account number go to "Card details" or "Transaction details. Check with your retailer before making the return, as some merchants will require your physical card to process the refund.

What is the virtual account number and how do I find it?

Your credit card information is assigned a unique virtual account number that’s used at

checkout, so your full card details are never shared with the store. Think of it as a digital stand-in for your

payment information. To view the last four or five digits of your virtual account number go to “Card details”

or “Transaction details”.

Where can I find my Virtual Account number?

You can find this four-digit number when you open the Android Pay app on your device and tap on the card details screen.

Will I continue to earn loyalty rewards?

Absolutely! You will earn the same level of rewards regardless of whether you use Android Pay or  the physical credit card  for the transaction.

Is there a minimum or maximum spend limit to use Android Pay?

There is no spending limit on your credit card. The maximum spend limit is set by the credit limit associated with the credit card selected on Android pay.

Can I still use my plastic card after I add it to Android Pay?

As long as your account is in good standing, you will be able to use your plastic card in the same way as you use it today.

Can I still use my plastic card if I decide to remove it from Android Pay?

As long as your account is in good standing, you will be able to continue using your plastic card even if you remove or suspend it from Android Pay.

Android Pay Security

How secure is Android Pay?

We have a multi layered security approach with Android Pay. Android Pay stores your credit card on secure servers and encrypts your payment information with industry-standard SSL technology.

Payment information is encrypted and constantly monitored for malware and fraud. We don’t share the

actual 16-digit card number with merchants during the transaction and we don't store it on the phone. If a

phone gets lost or stolen, you can disable its ability to use Android Pay remotely and because the actual

card number is not stored on the device, there is no need to cancel it. Finally, we also use a dynamic security code that changes with each transaction, so that even if someone were to hack a merchant they wouldn't get access to users' credentials that were sent through Android Pay. If your phone is ever lost or stolen you can easily find, lock, and erase your phone using Android Device Manager.

What happens if I lose my device?

If your device is ever lost or stolen, you can use Android Device Manager to instantly lock it from anywhere, secure it with a new password, or wipe it clean of personal data. You should also call us immediately at 1-800-459-6415 so that we can block your card on Android Pay. 

Android Pay doesn’t store your plastic credit card number on your device so your card details will stay safe. You will still be able to use your plastic card normally even if you remove it from Android Pay.

What happens if I replace or upgrade my device?

You will need to add your card to Android Pay again if you replace or update your device.

Remove your card from your device before disposing of it by selecting ‘Remove Card’ in the Android Pay app or through Android Device Manager. 

What happens if I lose or need to replace my plastic card?

Call us immediately at 1-800-459-6415 so that we can block your physical card and mail you a new one. Your new card details will be automatically updated on your device so you will still be able to Android Pay while you wait for your new plastic card to arrive. 

What happens if unauthorized purchases are made with Android Pay?

When you use your Canadian Tire Mastercard, you’re protected against fraud. Mastercard zero liability protection applies to your purchases made in store, over the phone, online or via a mobile device and ATM transactions. Have peace of mind knowing that you won’t be responsible for unauthorized use if:

  1. You have used reasonable care in safeguarding your card and device, including not contributing to any unauthorized use, and safeguarding any related Personal Identification Number (PIN) or password; and
  2. You call us immediately at 1-800-459-6415 to report the loss or theft of your card or device

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