Visa payWave FAQs

Visa payWave FAQs - Intech Credit Union

Do you have any questions about Visa payWave? Find the answers to some common questions below and if you have any other queries, feel free to Contact Us.

What is Visa payWave?
Visa payWave is a contactless method of payment. Featuring a distinctive contactless symbol (as shown below), your Visa payWave card has a tiny antenna embedded into the chip which securely transmits purchase information.


What are the benefits of using my Visa payWave card?
Your Visa payWave card is an easier, more convenient way to pay for everyday purchases. It saves you time due to shorter transaction times and shorter queue times. You don’t need to enter a PIN for purchases under $100 and it’s more convenient as you no longer have to carry around cash.

How do I use my Visa payWave card?
Look out for the participating retailer displaying the contactless symbol and Visa logo at the point of sale. Let the retailer know you’d like to pay using your Visa payWave card when the transaction amount is shown on the terminal, wave your Visa payWave card in front of the contactless terminal.

How close does the Visa payWave card need to be near the reader?
You should hold your Visa payWave card within 4cm of the contactless terminal.

How do I know when a payment has been made?
A message will be displayed on the terminal along the lines of “transaction approved” and/or your transaction is confirmed by illumination of four green indicator lights.

Is this technology as secure as traditional Visa cards?
Visa payWave cards are just as secure as any other Visa chip card and carry the same multiple layers of security protection, including Visa’s Zero Liability*, which ensures you are not responsible for fraudulent or unauthorised transactions. Because your Visa payWave card doesn’t leave your hand during the transaction you remain in control of your card at all times, which reduces the risk of fraud.

Is there a chance that payments may be taken twice from my account?
Visa payWave terminals are designed to only make one transaction at a time per card. Each transaction must be complete or void before another one can take place.

Is there a limit on the value of goods I can purchase with my Visa payWave card?
You can wave and go with your Visa payWave card without entering your PIN for any amount up to $100.

What happens if I try to purchase goods over $100?
For purchases exceeding $100 you can still use your Visa payWave card by entering your PIN to authorise the transaction.

Will I receive a receipt for the transactions I make?
The retailer will ask if you require a receipt. If you do not require a receipt, please advise the retailer and a receipt will not be given.

How do I know if a retailer accepts my Visa payWave card?
Any participating retailer who displays the contactless symbol in Australia or around the world can accept contactless payments. The number of participating retailers is always growing. You can still use your Visa payWave card for non-contactless transactions wherever you see the Visa sign, including over the counter, online, overseas or over the phone.

Can I use my Visa payWave at ATM’s?
Yes if you have ATM access linked to your card the Visa payWave feature on your card will not affect how you normally use your card at ATM’s.

*Visa’s Zero Liability policy covers Australian and New Zealand-issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions. Cardholders should notify their issuer promptly of any unauthorised Visa use. This information doesn’t consider Cardholder’s circumstances. Before making a decision, read the terms and conditions available from your Card issuer to ensure that the product is right for you and for further details. Transaction fees and charges may apply. Visa payWave® is a registered trademark of Visa Worldwide PTe Limited.