What happens if I choose not to turn on Safe Pay? Please upgrade your app to the most recent version to view our help center, or go to support.varomoney.com. Related articles If I don’t have Safe Pay turned on, can I still build my credit history? How is the Varo Believe Program different from a prepaid card? Is the Varo Believe Card a secured credit card? What is Safe Pay? Is interest charged on the Varo Believe Card?