Contactless - A faster way to pay

Westpac has contactless payment technology available on all of our MasterCard credit cards. The technology started rolling out on the Westpac DebitPLUS Visa and Visa credit cards in June 2013.

If you have a contactless card it means, in New Zealand, you can make purchases of up to $80 by simply holding your card close to the card reader on the contactless terminal - there is no need to dip or swipe the card, select an account, sign a receipt or enter your PIN. 

So it’s easier and faster to pay for things when you’re on the go.

Highlights

You’ll know if your card is capable of making contactless payments as it will either say MasterCard® PayPass™ or Visa payWave on the front.

Contactless payment technology is currently only available at participating merchants, so you can still use your card like you usually would everywhere else.

Look for the following symbols at the checkout to see if contactless payments are accepted:

If you’d like to know if any merchants near you are currently accepting contactless payments, click here

How it helps

The secure antenna embedded within the card safely transmits information to and from contactless terminals. It’s like paying with the exact amount needed without handing over your card, which makes purchases of $80 or under, fast, simple and convenient.

If you’d like a receipt, you’ll need to ask the merchant for one before using your card.  And for purchases of $80 and over, you’ll need to use your PIN or sign for the purchase.  If you don’t want to make a contactless payment, you can still dip or swipe your card in the usual way.

Is it safe?

Using your contactless card is just as secure as making a payment by dipping or swiping your card. To make a purchase, your card needs to be within 4cm of the card reader on the contactless terminal for more than half a second and a merchant needs to authorise the transaction. There’s no need to fear accidental payments, even if you unintentionally tap your card twice.

It’s your choice

Using your Westpac MasterCard or Visa contactless card is simple, just follow these four easy steps.

How it works

1. Check that your card has the MasterCard PayPass™ or Visa payWave logo. 2. At participating merchants where you see your card’s logo and the contactless symbol, let the sales assistant know you’d like to make a contactless payment and whether you’d like a receipt for the transaction. 3. When the transaction amount is shown on the terminal, check it’s correct, then hold your card close to the contactless symbol on the card reader. 4. The sales assistant will confirm your transaction so it can be processed, and the terminal will indicate once your transaction is complete. Collect your receipt if you asked for one, and you’re done.

Westpac contactless card rollout

Westpac’s MasterCard credit cards are already enabled with contactless technology.

Westpac’s DebitPLUS Visa cards and Visa credit cards will be reissued with contactless functionality from June  2013.

Contactless technology

What is contactless technology?

Contactless technology is a fast new way to pay. Contactless cards have an embedded antenna within the plastic, so that when held close to the contactless symbol on the card reader at a contactless terminal, the card securely transmits information to and from the terminal, without the need to dip or swipe the card. It’s specifically designed to be used for low-value purchases where you might have otherwise paid with cash.

How does contactless technology benefit me as a customer?

Contactless payments provide the following benefits to customers:

  • Fast and convenient way to pay – quicker transaction times and shorter queues
  • No need to carry cash or have the exact change for small value transactions at participating retailers
  • You’re in control – as the card doesn’t need to leave your hand
  • No need to sign or enter a PIN for purchases of under $80 – just tap and go
  • Contactless cards are globally accepted and can be used at any location displaying the payWave or PayPass™ brand marks.

When will Westpac issue contactless cards?

Westpac’s MasterCard credit cards are already enabled with contactless technology.

Westpac’s Debitplus Visa cards and Visa credit cards are being reissued with contactless functionality from June 2013.

Using a contactless card

How do I know if my card can be used for contactless payments?

MasterCard®’s contactless technology is called MasterCard PayPass™, so if you have a contactless MasterCard, it will say PayPass on the front.

Visa’s contactless technology is called Visa payWave, so if you have a contactless Visa, it will say Visa payWave on the front.

Look for this symbol to identify a contactless terminal.  If you have a contactless enabled card and you see this symbol you are able to make a contactless transaction:

or

How do I know if a store accepts contactless cards?

Look for the MasterCard PayPass or Visa payWave brand marks and contactless symbols or displayed on the card reader.

Contactless terminals may be found in busy locations where payment values tend to be smaller and speed of service is a priority. For example: cafes, fast food outlets, convenience stores and entertainment venues.

How do I use my card to make a contactless payment?

To make a payment for under $80, the card is simply held close to the contactless symbol on the card reader, so there’s no need to dip or swipe the card, select an account, sign a receipt or enter your PIN.

Note: The upper limit for a contactless transaction in New Zealand is $80. The limit in overseas locations may vary from this. We have no control over the limits used in other countries and no ability to remove or change the $80 limit in NZ. The overall daily transaction limit on your card remains unchanged.

  1. Check that your card has the MasterCard PayPass™ or Visa payWave logo.
  2. At participating merchants where you see your card’s logo and the contactless symbol let the sales assistant know, before you make the payment if you’d like a receipt for the transaction.
  3. The salesperson will enter the amount to pay. When the transaction amount is shown on the terminal, check it’s correct. If it is, then hold your card within a few centimetres of the contactless symbol on the card reader.
  4. If the transaction amount is under $80, you don’t need to do anything else.
  5. If the transaction amount is over $80, you’ll need to enter your PIN or sign as normal.
  6. The sales assistant will confirm your transaction and it will be processed.
  7. When you see the lights at the top of the terminal, this means your transaction has been completed. Collect your receipt if you asked for one, and you’re done.

Do I need to select CHQ, SAV or CR when using a Visa payWave or MasterCard PayPass card?

If you are making contactless payment with your credit card, you don’t need to select CHQ, SAV or CREDIT - is automatically charged to your credit card account.

For debit card transactions, the contactless transaction will automatically be charged to your nominated transaction or savings account.

If you would like to pay with another account that’s loaded onto your card, you will have to dip or swipe the card to select the account required, then use your PIN or sign in the usual way.

What do I do if my contactless transaction is declined or won’t work?

If a contactless transaction is declined or the terminal won’t read your card, try again by inserting your chip card into the card reader to process as a ‘dipped’ transaction. Excessive bending of the card could result in damage to the antenna and should be avoided, as it will impact the readability of the card. If the card is damaged, you’ll need to call us for a replacement.

Can I get cash out using my contactless card?

You can’t get cash out from a contactless transaction when you hold your card against the card reader. However, if you dip or swipe your card and enter your PIN, you can still get cash out with your purchase at merchants who allow this option or at an ATM.

Will I receive a receipt for contactless transactions?

Contactless purchases are designed to let you make low value transactions quickly and conveniently. If you’d like a receipt, just ask the merchant before you pay.

What happens if I have more than one contactless card in my wallet?

If you hold your wallet up to the reader, it may detect that you have more than one contactless card available and not complete the transaction. In this case, to avoid any interference, it is best to remove the card you wish to pay with and hold it close to the card reader on the contactless terminal to complete the purchase.

Does the $80 transaction limit apply worldwide or only in New Zealand?

The $80 limit applies to contactless transactions in New Zealand and will vary from country to country. If the transaction is over $80 in New Zealand, a PIN or Signature will be required to complete the transaction. When using your contactless card overseas, each country with contactless terminals will have a different limit and the terminal will enforce the rules of acceptance for the relevant country. We don’t have any control over the limits in other countries.

Visit www.visapaywave.co.nz or www.paypass.com for more information.

Do I have to use my card as a contactless card?

It’s your choice. If you don’t want to use your card to make a contactless payment, you can dip or swipe your card and enter your PIN or sign to avoid using the contactless functionality

Is it safe?

Are contactless card transactions secure?

The contactless technology platforms are based on secure chip technology, which provides both data protection and transaction security via the latest encryption technology.

You retain possession of your card to conduct the transaction, which reduces the risk of fraud. There are no accidental payments or duplications, as the card must be extremely close to the card reader on the contactless terminal to work, and can only complete one transaction at a time. As a safeguard, each transaction must be completed or voided before another can take place.

Even if you tap your card more than once at the checkout, you’ll only be billed once for the purchase.

If the unlikely happens and an unauthorised transaction occurs on your card, we will reimburse you provided you have complied with the Credit Card Conditions of Use or Debitplus Conditions of Use applicable to your card.

Please Note: Your card is protected by MasterCard’s Zero Liability policy or Visa’s Zero Liability policy.

Why are PINs or signatures not required?

For purchases of under $80 using contactless cards, participating merchants won’t require you to sign or enter your PIN. This means that using your contactless card is as simple and convenient as cash. If the purchase is over $80, you’ll need to enter your PIN or sign, even if you are making a contactless payment.

Could I make a contactless payment without knowing?

No. Your contactless card has to be within 4cm of the contactless card reader for more than half a second and the merchant must have entered the payment amount for you to approve. You must, in any event, continue to protect your card and your PIN, so that unauthorised transactions are not made using it.