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URMC / Research / Health Research / Participant Payments / Prepaid Debit Card


Prepaid Debit Card

Your Participant Payments card is a reloadable prepaid card that you can start using right away. It is free to use your card at places likes stores, restaurants, or hotels.

exclamation point photoDo not throw this card away after use.
Each time you are paid, more money will be added to the card.

Preauthorized Merchant Holds

Like any debit card, your purchase might be declined even when there’s enough money on your card for that amount. Some businesses (such as restaurants, hotels, gas stations, and rental car agencies) require a hold for an amount larger than the purchase price to cover tips or other charges. After the final payment is received, this hold will be removed. If the purchase amount plus the hold amount is bigger than the amount on the card, the purchase will be declined. 

Benefits of an account

  • Get cash from an ATM
  • Request cash back on a store purchase
  • Check your card balance online for free
  • Keep more than $1,000 on your card

Account Registration

If you’re going to receive more than one payment on your card, consider setting up a free Participant Payments account at If you register your card, you can get cash at an ATM. You can also have more money loaded on the card. (Unregistered accounts can have up to $1,000. With an account, you can keep up to $10,000 on the card).

NOTE: Payments that cause your balance to go over the $1,000 limit will be put on hold until either you register the card or your card balance drops below $1,000.

How do I create an account?

If you gave an email address when you got your card, check your email for a message with the subject line “Welcome your name to Nimblify”. Click the link in the email, and follow the steps to create an account and a PIN. From there, you can check your balance at any time. 

Can’t find the email? Check your junk mail. If you still can’t find it, go to, and click Resend Activation Email.


It is free to use your card for purchases. If you use your card at an ATM, there are additional fees:

Common ATM card fees


ATM withdrawal
- in the United States
- internationally


ATM balance inquiry


ATM decline


Keep it free!

  • Ask for cash back on your purchases
    instead of using ATMs
  • Check your balance for free online,
  • Use your card at least once every
    90 days to stay active

No matter how you use your card, if you don’t use it for 90 days, there is a $3.00/month inactivity fee.

You can read the complete list of additional, less common fees in the cardholder agreement at

Lost, Stolen, or Expired Card

If your card is lost, stolen, or expired, contact the research site that issued you the card to request a replacement. This is the fastest and easiest way to replace your card.

If you lose your card outside of regular business hours, call Account-holder Services at 1-855-316-5166 to deactivate the card immediately. You will still have to contact the research site for a replacement card during normal business hours. 

Still Have Questions?

For more information about your Participant Payments card, visit or call Account-holder Services at (855) 316-5166.