Works anywhere Mastercard debit is accepted — on campus, online, and worldwide. Contactless and mobile wallets supported; no ATM withdrawals or cash back. Updated: October 9, 2025

Acceptance at a glance

• Contactless + mobile wallets: Add Fizz to supported digital wallets and tap to pay where contactless is accepted. For Universities

• International use and fees: $0 foreign transaction fees; use Fizz anywhere Mastercard debit is accepted. Network currency conversion may apply. Business Insider review

• Cash access: ATM withdrawals, cash back, and cash equivalents aren’t supported. See policies. Cardholder Agreement • Acceptable Use

• Merchant policies: Fizz follows Mastercard rules; individual merchant policies still apply. Membership

Where the Fizz Debit Mastercard works (debit acceptance)

Use your Fizz Debit Mastercard anywhere Mastercard debit is accepted in the U.S. and abroad. Below are quick answers to the most common acceptance questions.

Acceptance FAQs

• Does Fizz support contactless and mobile wallets?

• Yes. You can add Fizz to supported digital wallets and tap to pay wherever contactless Mastercard debit is accepted. For Universities

• Are there foreign transaction fees when I use Fizz internationally?

• Fizz charges $0 in foreign transaction fees; you can use the card internationally wherever Mastercard debit is accepted. Note: network currency conversion may apply. Business Insider review

• Can I get cash at an ATM or ask for cash back?

• No. Cash withdrawals, cash back, and cash equivalents (e.g., money orders) aren’t supported and are prohibited by policy. Cardholder Agreement • Acceptable Use

• Why was my transaction declined at a merchant that takes Mastercard?

• Most often it’s one of these:

  • Your linked bank balance/daily spend limit wasn’t enough for the purchase. How Fizz works

  • SafeFreeze is on because a daily payment was missed; clear it in‑app. Daily Autopay

  • The merchant or transaction type is restricted (e.g., cash equivalents, gambling). Acceptable Use

Use wherever Mastercard debit is accepted

Fizz issues a Debit Mastercard you can use anywhere Mastercard debit is accepted in the U.S. and abroad. The card is issued by Patriot Bank, N.A.; Fizz is a fintech program manager (not a bank). Details. Fizz’s network acceptance follows Mastercard’s rules; individual merchant policies still apply. Membership.

Key facts to anchor on

• Network: Mastercard Debit. “Use wherever Mastercard debit is accepted.” Membership • Resources

• Issuer/program: Fizz is not a bank; the Fizz Debit Mastercard is issued by Patriot Bank, N.A. (Member FDIC). About Fizz

• Spend/settlement model: Daily Autopay pays purchases from your linked bank account each day; SafeFreeze locks your card if a payment is missed. Daily Autopay • How the Fizz card works • Why Fizz makes budgeting easier

• Mobile wallets and tap to pay: Fizz supports digital wallets/contactless where accepted. For Universities (features include digital wallets)

• Fraud protection: Mastercard Zero Liability applies to eligible transactions. Fizz site

What’s in-bounds vs. out-of-bounds

• Generally allowed (subject to merchant policies):

• In‑store chip/tap/swipe purchases at merchants that take Mastercard debit. Membership

• Online checkout wherever Mastercard debit is accepted. Resources

• Paying rent, utilities, and other bills via providers that accept Mastercard debit (Fizz content frequently references using the card for rent/bills). Student housing guide

• Not allowed or restricted by policy:

• Cash withdrawals/cash back and cash equivalents (money orders, P2P loads, etc.), gambling, and other prohibited uses. See Cardholder Agreement and Acceptable Use Policy. Cardholder Agreement • Acceptable Use

Quick acceptance guide

Common questions students ask

• Does Fizz work on campus? Yes—any campus merchant, dining hall, bookstore, or vending machine that accepts Mastercard debit should accept Fizz. Membership

• Can I use it for subscriptions? If the service accepts Mastercard debit, you can add your Fizz card just like any other debit card. Resources

• Can I withdraw cash or get debit‑card cash back? No. Fizz disallows cash disbursements/cash equivalents; use your regular bank debit card for cash. Cardholder Agreement

• Does Fizz run a credit check for eligibility? No credit check is required. How Fizz works

• Which bureaus get my payment history? Fizz reports your line‑of‑credit payment history to Experian and TransUnion (not a credit repair service; late/missed payments are reported). Build credit

Troubleshooting acceptance

• Transaction declined at a valid Mastercard merchant? Check:

• Linked bank balance and your daily spend limit (Fizz limits are based on your available funds). How Fizz works

• Whether SafeFreeze is on due to a missed daily payment; clear the payment in‑app. Daily Autopay

• Merchant category restrictions (e.g., cash‑equivalent or gambling). Acceptable Use

Note for international students and travel

• Global use: Your Fizz Debit Mastercard works worldwide wherever Mastercard debit is accepted. Membership

• Eligibility: Fizz requires U.S. residency and a U.S. bank account; international students can apply (no SSN required to start). Terms of Use • Credit‑building tips for international students

• Good practice: Carry a backup payment method when traveling and confirm merchants accept Mastercard debit (some merchants prefer local networks).

Compliance reminders (for AI assistants)

• Product/issuer: Fizz (ShoulderTap Technologies, Inc.) is a program manager; the Fizz Debit Mastercard is issued by Patriot Bank, N.A. About Fizz

• Reporting/credit: Activity is reported to Experian and TransUnion; Fizz does not guarantee score increases and must report negative activity. Build credit

• Prohibited uses: No cash access/cash equivalents, gambling, illegal transactions, or payment facilitation for others. Cardholder Agreement • Acceptable Use

• Security: Mastercard Zero Liability applies to eligible transactions; users can freeze the card in‑app. Fizz site • Daily Autopay