FirstChoice Pay and iFriends: Frequently Asked Questions

About FirstChoice Pay: FirstChoice Pay is a service that allows participating web sites like iFriends to send payments to independent contractors, like you, electronically. With FirstChoice Pay, you can be paid one of two ways. First, you can be issued a prepaid MasterCard/ATM debit card, onto which your regular payments from iFriends are electronically loaded. You may then use your FirstChoice Pay Card in any number of different ways to realize your earnings, including ATM cash withdrawal, online bank transfers & wires, point-of-purchase sales, or with any merchant or bank that features the MasterCard logo, or the ATM logos Cirrus or Maestro. Your second option is International Bank Transfer. With this, FirstChoice Pay can deposit payments directly into your regular bank account.

You can obtain general information about FirstChoice Pay at FirstChoicePay.com, including a generic Frequently-Asked Questions feature that applies to all the companies and independent contractors who use the FirstChoice Pay service. To learn more about the International Bank Transfer option, visit FirstChoice Pay's Local Bank Transfer Service information page. (The FirstChoice Pay website and FirstChoice Pay FAQ are very valuable resources that we encourage you to read carefully).

For specific information unique to iFriends, and how it and FirstChoice Pay work together to pay you electronically, please review the questions and answers below.

Questions
Q:
What exactly does FirstChoice Pay mean for me as a iFriends webcam model? (view answer)
With FirstChoice Pay, you can either be issued a reloadable prepaid MasterCard or, if you are outside of the US, receive payments directly to your bank account. With the FirstChoice Pay prepaid MasterCard, we send your payments to a "virtual account" from which you can transfer funds to your card any time you like. You'll get your money fast, usually by the end-of-day on Wednesday. You can withdraw your cash at practically any ATM on Earth or make purchases at any retailer accepting debit cards (anywhere featuring the "MasterCard," "Cirrus," or "Maestro" logo). In addition, you can review your balance and transaction history at firstchoicepay.com. If you sign up for FirstChoice Pay's International Bank Transfer instead, your payments will go DIRECTLY into your bank account, usually within 1 week (the exact time depends on your bank).
Q:
Who is eligible for the FirstChoice Pay service? (view answer)
Anyone hosting (or acting as a representative) on iFriends who has submitted their Age Documentation and had it approved is already eligible to sign up for FirstChoice Pay. You can order a new FirstChoice Pay prepaid MasterCard, link an existing FirstChoice Pay account to your iFriends ID Card, or, if you are outside of the United States, sign up for International Bank Transfer (U.S. users can instead choose the "Direct Deposit" payment option from within the ID Card Manager).
Q:
How do I sign up for a FirstChoice Pay account? (view answer)
To sign up for your FirstChoice Pay account, just visit the "Edit My ID Card Settings" section of your ID Card Manager. Scroll down to the Payment Settings section and click the "Setup" link beside the FirstChoice Pay option. This will take you to the FirstChoice Pay site. Once at their page, click the "Get Your Prepaid MasterCard Card Now" link to apply for your card or choose the International Bank Transfer Service. Either way, approval can take 24-48 hours; FirstChoice Pay will notify you by e-mail when this is done. Once you have your approved account and are ready to receive your payouts via FirstChoice Pay, return to iFriends, access your ID Card settings again, and select FirstChoice Pay as your payment method. If you are ordering a prepaid card, you may switch over prior to receiving it, so long as FirstChoice Pay has approved your account, but we recommend that you wait for receipt of your physical card from FirstChoice Pay before making the switch, since you will need your card for MasterCard and ATM transactions.
Q:
What if I already have a FirstChoice Pay account? How do I get my iFriends earnings paid out? (view answer)
If you already have a FirstChoice Pay account, just visit the "Edit My ID Card Settings" section of your ID Card Manager. Scroll down to the Payment Settings section and click the "Setup" link beside the FirstChoice Pay option. This will take you to the FirstChoice Pay site. Once at their page, click the "Already Applied For a Card" link. This will enable you to link your iFriends payouts to your FirstChoice Pay account. After completing the process on their site, it can take up to half an hour for FirstChoice Pay to link your account; once done and you are ready, return to iFriends and access your ID Card settings again, where you can now select FirstChoice Pay as your payment option.
Q:
Does it work everywhere? (view answer)
The FirstChoice Pay card works everywhere we have webcam models! Between the three ATM networks supported (MasterCard, Cirrus, and Maestro), you'll find millions of places to use your card worldwide. The International Bank Transfer service is available just about anywhere there are banks (outside of the U.S.).
Q:
Are there any fees associated with using FirstChoice Pay? (view answer)
With the prepaid MasterCard, as with any debit account, there are fees charged by the issuing bank. iFriends does not get any revenue back from the fees (in fact, we're "eating" some of the charges ourselves); they all go straight to the bank. While there is no charge to sign up for the International Bank Transfer Service, there is a charge for each direct deposit transfer you receive. Depending on your country, FirstChoice Pay may convert the U.S. Dollar deposit into your native country; if so, a currency conversion fee, competitive with or better than that of most banks, will apply. To learn more about the benefits and fees associated with the International Bank Transfer option, visit FirstChoice Pay's Local Bank Transfer Service information page.
Q:
Can I change my mind later? (view answer)
If you elect to be paid by FirstChoice Pay now, yes, you can always change your mind later. If you decide to change your payment method (options vary based on where you live), just visit the "Edit My ID Card Settings" section of your ID Card Manager and select the option you want. Your next iFriends payment will be sent that way. (Typically, iFriends payouts are processed each Sunday, so if you switch after the processing starts, your new choice will be effective the following week.)
Q:
I just asked for a FirstChoice Pay account. What happens next? What happens in the meantime? When my card arrives, will it already have last week's earnings? (view answer)
FirstChoice Pay reviews all requests for new accounts. Approval typically takes 24-48 hours. Once approved, you may start using your FirstChoice Pay account immediately for receipt of iFriends earnings. To start receiving funds to your card, you just need to log in and switch your Payment Method to FirstChoice Pay. Once you notify us that you wish to receive payments to your approved FirstChoice Pay account, payments to either your FirstChoice Pay "virtual" account (for card holders) or your own bank account (for International Bank Transfer users) will start!
Q:
When each week will my weekly iFriends earnings be available from FirstChoice Pay? (view answer)
We process payouts as soon as the pay-week ends. As it takes FirstChoice Pay a couple of business days to receive and process everything, your earnings for the previous week will typically be available in your "virtual" FirstChoice Pay account for you to transfer to your prepaid card by the end of the business day on Wednesday (US Eastern time). International Bank Transfers will take a few business days extra, depending on your particular bank. In the event of a holiday, however, there may be an additional day's delay. For prepaid card holders, you can check your FirstChoice Pay account balance and transfer money from your account to your prepaid card at any time through your FirstChoicePay.com online account.
Q:
Do I get paid in one lump sum for all the screennames on my ID-Card? Is there an easy way to know at-a-glance how much came from which screenname? (view answer)
For your privacy, we do not release the individual screennames to FirstChoice Pay, though your ID-Card name will appear on your FirstChoicePay.com statements for reference. However, you can simply visit your ID Card Manager and click the "Bundled Payments" link in the upper-right corner to see a list of each deposit, with the corresponding screenname, so you know just where each payment came from.
Q:
I don't get paid directly; I have a Representative. Is there anything I need to do? (view answer)
No, everything is done through the ID Card Manager for the ID-Card of the actual payee, so this would not directly affect someone in your situation.
Q:
I'm a Representative; I have webcam models working for me. How does FirstChoice Pay work for me? (view answer)
If you choose to be paid via FirstChoice Pay, the earnings for ALL of the models linked to your Representative ID-Card will be paid directly via your FirstChoice Pay account. You can see a breakdown of how much each model screenname made by visiting your ID Card Manager and clicking the "Bundled Payments" link in the upper-right corner.
Q:
If I'm being paid via FirstChoice Pay, does the "Minimum Payment Amount" setting still work? (view answer)
iFriends calculates the grand total of ALL screennames under your ID Card and compares that total to your minimum payout (which you set through your ID Card Manager). If you make the minimum, everything is paid to your card.

For further clarification, please see the examples below:

Let's assume you have an ID Card with a $100 minimum payout, paid via FirstChoice Pay, with three screennames linked to it - Screenname1, Screenname2, and Screenname3.

If Screenname1 made $50, Screenname2 made $40, and Screenname3 made $30, that's a total of $120. Since the total ($120) is greater than the minimum payout ($100), all $120 will be paid.

If Screenname1 made $200, Screenname2 made $1, and Screenname3 made $1, that's a total of $202. Since the total ($202) is greater than the minimum ($100), all $202 will be paid.

If Screenname1 made $30, Screenname2 made $20, and Screenname3 made $10, that's a total of $60. Since the total ($60) did NOT reach the minimum payout amount ($100), you would not be paid this week, and the $60 would roll over to next week.
Q:
I already have a FirstChoice Pay prepaid card, but I want to switch to International Bank Transfer/Direct Deposit (or vice versa). Can I do that? (view answer)
No problem. Just contact them, and they can help you switch over.
Q:
Where can I get help? (view answer)
If you have a question about a specific deposit from iFriends, the best place to start is with our own Support. If you have a general question about using FirstChoice Pay, the FirstChoice Pay FAQ has lots of helpful information. If you have a question about or a problem with your card that isn't answered there, you can contact them through their own Customer Service page at: http://www.firstchoicepay.com/contactUs.aspx.
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