Visa payWave

Features

Forget fumbling for cash - Visa payWave will help you spend less time at the register. For transactions under $100, just wave your Visa payWave enabled card in front of a payWave reader and go – there is no need for a signature or PIN. Visa payWave cards are backed by Visa’s Zero liability policy+ and are as secure as any other Visa chip card.

All Heritage Visa Cards are payWave enabled, to find out more information drop into a branch or call our Contact Centre on 13 14 22.

You can use Visa payWave for purchases under $100 at participating merchants. There is no need to swipe your card, enter your PIN or sign for your transaction.

Look for the contactless symbol 1. Look for the contactless payment symbol
Hold your card against the Visa payWave reader 2. When the purchase amount appears on the terminal, hold your card against the Visa payWave reader
Looks for the green lights to see that your transaction has been approved. 3. Green lights on the terminal will indicate that your transaction has been approved. Collect your receipt if you asked for one, and you're on your way

 

Customer Satisfaction

It's a promise.

Heritage has won Mozo's 2018 People's Choice award for Outstanding Customer Satisfaction. Just another way we're putting People first.

Visa payWave is safe

You’ll feel secure knowing your card never leaves your hand during your purchase

It’s not possible for your card to be accidentally charged, because your card needs to be within 4cm of the contactless reader for more than half a second, and the merchant needs to have initiated the transaction and displayed the amount on the reader.

Your card is embedded with the latest chip technology, which provides data protection and transaction security

FAQs

Visa payWave is a contactless method of payment. Featuring a distinctive contactless symbol your Visa payWave contactless-enabled card (Visa payWave card) has a tiny antenna embedded into the chip which securely transmits purchase information.
Your Visa payWave card is an easier, more convenient way to pay for everyday purchases. It saves you time on both sides of the counter due to shorter transaction times and shorter queue times. You don’t need to sign or enter a PIN and it’s more convenient as you no longer need to worry about carrying around cash.
Look out for participating retailers displaying the contactless symbol and Visa logo at the point of sale. Let the retailer now you’d like to pay using your Visa payWave card when the transaction amount is shown on the terminal, hold/wave your Visa payWave card in front of the contactless terminal. Four green lights will appear indicating your transaction is approved you can then remove your card and the transaction will be complete.
Your transaction is confirmed by illumination of four green indicator lights and display message confirming that your transaction has been successful.
Visa payWave cards are just as secure as any other Visa chip card and carry the same multiple layers of security protection, including Zero Liability, which ensures you are not responsible for fraudulent or unauthorised transactions. In addition, with Visa payWave, you retain control of your card during the transaction, which reduces the risk of fraud.
Visa payWave terminals are designed to only make one transaction per card at a time each transaction must be complete or void before another one can take place.
You can use your Visa payWave card for any amount up to $100.
For purchases exceeding $100 you can still use your Visa payWave card by entering your PIN or sign to authorise the transaction.
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.
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 traditional transactions wherever you see the Visa sign, including over the counter, online, overseas or over the phone.
No. You don’t need to press any buttons when using Visa payWave. The purchase amount will automatically come from the account linked to your card. (For Visa Debit, this is the account that you normally press ‘Credit’ to access.)
Yes, you can insert or swipe your card instead of using Visa payWave to complete your transaction.
You can’t get cash out when paying using Visa payWave. However, if you have a transaction account linked to the card and the merchant allows cash out, you can insert or swipe your card instead of using Visa payWave to complete your transaction.
Yes, you still have the choice to enter your PIN or sign for transactions. Insert or swipe your card instead of using Visa payWave at the start of the transaction.
If you don’t want to use Visa payWave, you still have the choice to enter your PIN or sign for transactions. Insert or swipe your card instead of using Visa payWave at the start of the transaction.
Yes. The Visa payWave feature on you card will not affect how you normally use your card at ATM’s.
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