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:
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 using contactless payment, 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: Click here to find out the upper limit for a contactless transaction in New Zealand. 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 limit in NZ. The overall daily transaction limit on your card remains unchanged.
- Check that your card has the Mastercard PayPass™ or Visa payWave logo.
- 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.
- 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.
- If the transaction amount is under the local country limit, you don’t need to do anything else.
- If the transaction amount is over the local country limit, you’ll need to enter your PIN or sign as normal.
- The sales assistant will confirm your transaction and it will be processed.
- 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 contactless transaction limit apply worldwide or only in New Zealand?
The contactless limit will vary from country to country. If the transaction is over the upper limit 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