Unlock your screen to make a payment
To make a payment, ensure your phone is turned on and the screen is unlocked. Payments cannot be processed if the screen is inactive or locked. You don't need to have the MobilePay app open to make a payment, you just need to ensure the screen is unlocked.
Before you use MobilePay, check your NFC settings
Ensure NFC is turned on in your device. If you have a Samsung device, you can turn NFC on by going to Settings > NFC.
You will also need to ensure the phone is set to use the Android™ operating system as the NFC processing method. If you have a Samsung device, you can access this setting from the advanced menu in NFC settings (the three stacked dots to the right of the switch to turn NFC on).
Ensure MobilePay is the default payments app
For best results, ensure Heritage MobilePay is the default 'tap and pay' app on your device. You will be prompted to make Heritage MobilePay the default tap and pay app when you first install MobilePay. If you have a Samsung phone, you can edit the tap and pay settings later by going to: Settings > NFC > Tap and pay
To check your balance use the regular Heritage Mobile Banking app
Once activated, the MobilePay app runs in the background to process payments. It can't be used to check account balances. To check your balance or perform regular mobile banking tasks, use the Heritage Mobile Banking app, available from the Google Play™ store.
Tapping your phone
Look for the contactless card symbol on the merchant terminal and move the phone's internal antenna as close to the contactless card symbol as possible. The contactless card symbol may be printed on the device, or may be displayed digitally on a screen, indicating that the NFC reader is in the vicinity of the screen.
Holding your phone
For best results, hold your phone so the NFC antenna faces the contact point on the terminal.
Locating the NFC aerial in your phone
Many NFC-capable phones place the NFC antenna in the battery, which is usually located in the back of the phone.