Understand your credit card's interest free period
By understanding your card's interest free period, you can make sure your card (and money) is working for you in the best way possible.
Learn more
About payWave
Forget fumbling for cash - Visa payWave will help you spend less time at the register. For transactions under $200*, just wave your Visa payWave enabled card in front of a payWave reader and go – there is no need for a signature or PIN.
All Heritage Visa Cards are payWave enabled. You can use Visa payWave for purchases under $200* at participating merchants. There is no need to swipe your card, enter your PIN or sign for your transaction.
 |
1. Look for the contactless payment symbol |
 |
2. When the purchase amount appears on the terminal, hold your card against the Visa payWave reader |
 |
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 |
Visa payWave is safe
You’ll feel secure knowing your card never leaves your hand during your purchase. Visa payWave cards are backed by Visa’s Zero liability policy# and are as secure as any other Visa chip card.
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
What is Visa payWave?
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.
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 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.
How do I use my Visa payWave card?
Look out for participating retailers 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, 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.
How do I know when a payment has been made?
Your transaction is confirmed by illumination of four green indicator lights and display message confirming that your transaction has been successful.
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 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.
Is there a chance that payments may be taken twice from my account?
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.
Is there a limit on the value of goods I can purchase with my Visa payWave card?
You can use your Visa payWave card for any amount up to $200*.
What happens if I try to purchase goods over $200?
For purchases exceeding $200* you can still use your Visa payWave card by entering your PIN or sign to authorise the transaction.
Will I receive a receipt for 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 traditional transactions wherever you see the Visa sign, including over the counter, online, overseas or over the phone.
Do I need to select ‘Credit’ or ‘Savings’ or ‘Cheque’ when using payWave?
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.)
Can I still use my card if the merchant doesnt offer Visa payWave?
Yes, you can insert or swipe your card instead of using Visa payWave to complete your transaction.
Can I get cash out at the point of purchase using Visa payWave?
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 and select 'Savings' or 'Cheque' instead of using Visa payWave to complete your transaction.
Am I able to enter my PIN or sign for transactions?
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.
Do I have to use Visa payWave for transactions?
If you don’t want to use Visa payWave, you still have the choice to enter your PIN for transactions. Insert or swipe your card instead of using Visa payWave at the start of the transaction.
Can I use my Visa payWave at ATMs?
Yes. The Visa payWave feature on you card will not affect how you normally use your card at ATM’s.
These articles may help you
Tips to help get your personal loan approved
Whatever your reason for a personal loan, there are a few things you can do to help improve your likelihood of being approved for the funds you need.
Learn more
What to do if you lose your credit card
It's time to act quickly! Here's four things to do once you've realised you have lost your card.
Learn more
7 tips on how to budget and save
Reviewing and setting out a budget can feel overwhelming. Here's 7 tips to help review (or create) your budget from home.
Learn more
We are here to help
Our specialists will help you find the right product and support you through every step of your Credit Card purchase.
Or call 13 14 22 to speak to an expert