Visa payWave

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.

If you would like a Visa payWave enabled card or 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


 What is Visa payWave?

 What are the benefits of using my Visa payWave card?

 How do I use my Visa payWave card?

 How close does the Visa payWave card need to be near the reader?

 How do I know when a payment has been made?

 Is this technology as secure as traditional Visa cards?

 Is there a chance that payments may be taken twice from my account?

 Is there a limit on the value of goods I can purchase with my Visa payWave card?

 What happens if I try to purchase goods over $100?

 Will I receive a receipt for transactions I make?

 How do I know if a retailer accepts my Visa payWave card?

 Do I need to select ‘Credit’ or ‘Savings’ or ‘Cheque’ when using payWave?

 Can I still use my card if the merchant doesnt offer Visa payWave?

 Can I get cash out at the point of purchase using Visa payWave?

 Am I able to enter my PIN or sign for transactions?

 Do I have to use Visa payWave for transactions?

 Can I use my Visa payWave at ATMs?

 Can I use Visa payWave for purchases over $100?

+ Visa's Zero Liability Policy can be found here:

* Based on a $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

To approved applicants only. Conditions, criteria and fees apply. Please consider the Guide to Heritage Credit Card Products (available in-branch, by phoning 13 14 22 or at before you decide whether this product is right for you.