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Rather than inserting or swiping your card, payWave lets you ‘tap and go’ without needing to enter a PIN for purchases up to $200.* Simply look for the payWave symbol on the EFTPOS machine, and hold your card on the front or rear side of the reader for half a second.

For purchases over $200, you can still tap, however you’ll need to enter your PIN.* You can’t get cash out with payWave, but you can use your card at an ATM or EFTPOS machine as you usually would.

Each Visa payWave card has a chip on the front, which safely transmits your payment via multiple layers of protection that keep your card secure. Visa payWave terminals can only make one transaction per card, at a time. However, in the unlikely event that you’ve been double-charged for your purchase, this could be because of a glitch with the merchant, not the card or terminal itself.

*The payments industry has temporarily increased the contactless card PIN limit from $100 to $200 to help reduce the risk of COVID-19 transmission by reducing physical contact with the payment terminal. The new $200 limit has been progressively introduced across certain cards and at certain retailers since April 2020. Customers are advised to follow the PIN pad prompts when making a purchase.