1. Wake to Pay - Simply light up your phone and place it over a contactless terminal to pay
  2. Unlock to Pay - Unlock your phone and place it over a contactless terminal to pay
  3. Login to Westpac Pay - Unlock your phone and login to Westpac Pay before placing your phone over a contactless terminal to pay. When you're making your payment, make sure you place your phone nice and close to the terminal like you would with your card, hold it for a few seconds and wait for the vibration. Remember, just like with your card, the terminal will let you know if you're payment has been accepted.