Can I still make a purchase at a business if I do not have enough funds for the full transaction?
If you don't have enough funds on your Town & City Gift Card for the full transaction, your Town & City Gift Card can be used as part of a split tender transaction. First, find out the balance on the card (you can use the QR code on the back of the card or check online at www.getmybalance.com), then the business simply needs to process the exact balance on your Town & City Gift card as a Mastercard and process the amount left to pay using another payment method (e.g. bank card, credit card, or cash).
If there are insufficient funds on your Town & City Gift Card in relation to the value being charged then the card will decline.