Westpac Credit Cards and MasterCard PayPass and Visa payWave

Westpac introduces contactless payment technology for its credit cards. This is just one more way that Wespac cardholders will enjoy the many conveniences that this technology has to offer. Contactless technology is perfect for Westpac cardholders who want the option to make low priced purchases in a safe and quick manner.

Westpac Credit Cards and Contactless Payment Technology: An Overview

Contactless payment technology makes it easy for Westpac cardholders to use their cards when purchasing small ticketed items without having to key in a PIN or sign for a receipt. Contactless technology for MasterCard credit cards is under the PayPass logo and payWave for Visa credit cards.

It is the perfect card to have when you are making smaller purchases in places that are highly trafficked. Just hold your card up to the credit card terminal, confirm your purchase and you can be on your way. Use your contactless technology credit card for a night out on the town at the movies. Or, use it at the local grocer. You are in control.

How Does it Work?

Contactless technology is available for Westpac cardholders who have either MasterCard PayPass or Visa payWave credit cards. For purchases that are made in New Zealand that are $80 or less, cardholders are not required to show their PIN or sign for purchases. There are antennae inside of the card that transfer information between the card and the credit card terminal. When the card is held close to the terminal, this will allow your card and the terminal to exchange important information about your current purchase.

Is it a Safe Way to Pay?

Contactless credit card technology is just as safe as manually swiping a regular credit card. Of course, there will be those who are concerned about accidentally swiping their credit card. Many assume that this can be done by just walking by a contactless technology terminal when an actual purchases has not being made. However, this should never be a concern because the person operating the credit card terminal has to actually approve the card purchase before it is finalised.

Your card cannot be charged twice unless both you and the person at the card terminal confirm that a purchase has been made. So, all you have to do is hold your MasterCard PayPass or Visa payWave at least 4cm away from the terminal for at least half a second. Once the terminal assistant confirms your purchase, your contactless charge payment is guaranteed to be both secure and valid.

Westpac Credit Cards and Contactless Payment Technology: It’s Your Choice

Westpac cardholders are given a choice to use contactless technology. This technology is available on purchases less than $80 that are made within New Zealand. This means that for purchases over this amount the regular method of making payments will kick in, which will require the cardholder to swipe the card, present a PIN and sign for the purchase. Although this technology is recommended for smaller purchases that are made in crowded locations, cardholders are not required to use the contactless option for payments under $80. You can opt to make credit card purchases via the regular payment methods or with contactless technology.

Westpac’s MasterCard PayPass and Visa payWave give its cardholders the option to make low cost purchases in a very quick and convenient manner. This is the type of feature that one can expect from a banking leader.

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2 Responses

  1. Default Gravatar
    AngeDecember 21, 2017

    If there are limited funds in my account I.e. Cheque account only has $20 and a $30 purchase is made does payWave still work, or does it then become an overdraft. I do not have an overdraft facility. I have been getting charged 40 cents per transaction, why is this happening?

    • Default Gravatar
      ArnoldDecember 22, 2017

      Hi Ange,

      Thanks for your inquiry

      Unless your account is enrolled in the temporary overdraft, your transaction will be declined by the contactless terminal. If you wish to apply for the overdraft feature, you may log on to Westpac’s site and follow the instructions provided in the overdraft application section.

      Hope this information helps


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