Visa Debit Card

Most popular questions...

• How does Verified by Visa work?

  As you make a purchase online, Verified by Visa assesses the risk of the transaction based on a number of factors. In some instances, you may be asked to confirm some personal details (name on card, member number and date of birth) so People’s Choice Credit Union can be sure the card isn't be used without your permission.

• What is the Verified by Visa service?

  Verified by Visa is a service designed to ensure you are protected while shopping online with your Visa card.

• Will I require a username and password for the Verified by Visa service?

  Protection the Verified by Visa way is simple because you don’t have to remember usernames and passwords – you will be automatically registered and protected. If your Visa card is new, People’s Choice Credit Union will register the card before we issue it to you. With existing Visa cards, People’s Chioce will take care of registering it as part of the Verified by Visa service.

• Will I need to apply for a new card to use Verified by Visa?

  No. We will register your card for Verified by Visa on your behalf, so you'll automatically be protected.

• How do I change my PIN?

  You can update your PIN through our Mobile Banking App  or online using Internet Banking.

  Alternatively, you can change your PIN at any People's Choice ATM.
  
  We are also here to assist with PIN changes through our National Contact Centre at 13 11 82. To complete this process you might be asked a series of identification questions.

More questions...

• Who is behind the PINwise initiative? 

  The Industry Security Initiative (ISI) is behind PINwise. ISI comprises representatives of all Australian financial institutions that issue Visa, MasterCard, American Express and Diners Club International. The initiative members represent the payments card industry and their role is to ensure that there is a consistent experience for consumers when using their credit, charge or debit card to pay for purchases in Australia, regardless of the institution that issued the card.

• Why is a PIN safer than signing?

  When using your credit or debit card at the point-of-sale terminal, you enter a PIN when you authorise your transaction instead of signing. Your PIN transaction is encrypted and sent in real time to your card issuer to be authorised. PIN usage can reduce the risk of fraud due to lost or stolen cards because the fraudster would need to have both your card and your PIN. This is why you should not share your PIN with anyone. Only you should know your PIN.

• How do I choose a secure PIN?

  Like most PINs or codes you may have it’s best to avoid choosing a PIN that contains repeating characters (4444) or digits in a sequential order (1234). It’s also safer to choose a PIN that no one could easily guess or numbers that represent publically researchable information such as DOB, postcode, or similar.

• How do I get a PIN for my card?

  All new cards are issued with a PIN. The PIN is generally sent in a separate envelope to the card. If you have lost or forgotten your PIN, you can update your PIN through our Mobile Banking App  or online using Internet Banking.

  Alternatively, you can change your PIN at any People's Choice ATM.
  
  We are also here to assist with PIN changes through our National Contact Centre at 13 11 82. 
  
  To complete this process you might be asked a series of identification questions.

• Can I request that all transactions I make online go through the Verified by Visa service? 

  No. Only Merchants and retailers that have signed up to the VBV service will have this security facility on online transactions. The list of retailers becoming VBV merchants is expanding everyday.

• Can I use Verified by Visa if I have a joint account?

  Yes. Both joint owners of the account should have their own card issued, and you should be using the card that is in your name when performing online purchases. When using your card to perform an online transaction through a participating VBV merchant you may be required to enter in personal information that is held by People's Choice Credit Union to complete the transaction.

• How do I register for Visa Checkout?

  People's Choice Credit Union members can register for Visa Checkout by logging in to Internet Banking, clicking on the 'Apply' tab, navigating to 'Visa Checkout' and following the instructions.

  For more information about Visa Checkout and customer support enquiries please visit the Visa Checkout website.

• What is Visa Checkout?

  Visa Checkout is a streamlined, secure and flexible way to conveniently shop at your computer or on the go.

  • Streamlined – save time and effort. No need to re-enter your card number or shipping perferences again
  • Secure – pay with confidence. Visa Checkout combines secure technology and valuable features with reliable customer service
  • Flexible – Visa Checkout lets you use any major credit or debit card through a single service

  For more information about Visa Checkout and customer support enquiries please visit the Visa Checkout website.

• Can I use Verified by Visa from any computer?

  Yes, you can use Verified by Visa from any computer connected to the internet, with a compatible browser, as outlined above.

• Will my account be billed for Verified by Visa purchases?

  Your Verified by Visa purchases will appear as normal purchases on your statement, under the name of the 'merchant' - that is, the company from which you made your purchase.

• Why would I be asked to confirm personal details and is this safe?

  Each time you make an online purchase, Verified by Visa assesses the risk level of the transaction – certain activity may seem out of the ordinary, maybe because it’s a high dollar value, or a retailer you’ve never bought with before. If People’s Choice Credit Union is concerned a transaction may be fraudulent, you will be prompted to confirm your identity, and you will be requested to enter some personal details unique to your account with us. This information is used only to verify your identity, and is not stored by Verified by Visa, nor is it passed to anyone including the online merchant.

• What browser do I need to use for Verified by Visa?

  Verified by Visa requires Microsoft Internet Explorer version 5.5 and above or Netscape Navigator 7.1 and above.

• How much does Verified by Visa cost?

  This additional security benefit is provided to you free of charge.

• How does PIN affect those who are blind or partially sighted?

  The vast majority of PIN pads on point-of-sale- terminals have a tactile feature that includes a raised dot on the middle ‘5’ button. This layout will be familiar to most people with vision impairments, and should therefore be easier to use. The primary ‘function’ keys are coloured coded for ease of visibility.

  Many PIN pads are designed to be picked up from their holders, to make it easier and more secure for you to enter your PIN. Merchant staff should always be able to help you through the payment process and answer any queries but you should never disclose your PIN to the staff.

• Can I still use my People's Choice Credit Union Visa card at merchants that do not have contactless terminals?

  Yes. The card can still be used the traditional way at non contactless terminals as it still has a chip and magnetic stripe, by either swiping or inserting the card and entering a PIN or signing you can complete the transaction. You can still choose to use your PIN or sign for transactions less than $100 if you prefer not to use the payWave functionality.

• Is this technology as secure as my current card?

  Yes. The Visa security systems will continue to offer you protection from unauthorised transactions based on secure chip technology, which provides both data protection and transaction security using the latest encryption technology. In addition, with contactless technology, you retain control of your card during the transaction, which reduces the risk of fraud.

• What types of retailer will accept Visa payWave?

  We expect Visa payWave to be popular in busy locations where payment values tend to be small (under $100), and speed of service is a priority, for example supermarkets, fast food outlets, entertainment venues, and petrol stations. More and more retailers are bringing in the new contactless technology everyday.

• Can I use my Visa payWave card at ATM's?

  Yes, the Visa payWave feature on your card will not affect how you normally use your card in an ATM currently. You will still be required to enter your PIN number in to process a transaction.

• Why isn't a signature or PIN required?

  Visa has allowed Visa payWave retailers and merchants to ability to waive the need for collecting a signature or PIN for purchases under $100 to ensure that using Visa payWave is as simple and convenient as using cash and to keep transaction processing quick and efficient. Purchases over $100 will still require a PIN or signature to complete a transaction.

• Are Visa payWave transactions safe?

  Yes, they are:
  • You are in control - your contactless card never leaves your hands to make a payment
  • No accidental payments - your contactless card must be extremely close to the reader at the checkout to work
  • Customers won't be double-charged for the same transaction even if the card touches the reader more than once.
  • The maximum reach of 4cm means that you can't unknowingly pay for another person's purchase
  • Virtually impossible for any of your Visa card details to be intercepted while in use. Each payWave card reader contains security based on industry-wide standard.

• What are the benefits of using Visa payWave?
  • It's like having exact change wherever you go, so you don't have to worry about carrying a lot of cash or looking for change
  • Contactless payments are an innovative new payment technology that makes small payments as easy as tapping your card
  • Your Visa payWave card never leaves your hand at the checkout and eliminates the risk of card skimming as there is no need to enter the card into a card reading device.
  • You can keep track of all transactions made using your Visa payWave card by checking your statement or Internet Banking transaction record, instead of keeping piles of receipts for your small purchases made with cash
  • It’s a fast and convenient payment method, especially at places where speed is essential, like at supermarkets, fast food restaurants, convenience stores and more
  • You still have the option of using your Visa card the traditional way by swiping or inserting your card into a card reader and entering a PIN or signing for the transaction
• What do you need to be able to use Visa payWave?

  All you need is a Visa card with the payWave feature. People's Choice Credit Union offers members a credit or debit Visa card with the payWave feature. To find out if your card has contactless technology, it will have the payWave logo on the front.
  If you do not currently have a card with contactless technology, when your current card expires or is re-issued if reported as lost or stolen, the replacement card you receive will have contactless technology. 

• How do I know only one Visa payWave transaction has been processed when I wave my Visa payWave card?

  All Visa payWave readers are tested and certified to make sure a card is only read once per transaction. As a safeguard, each transaction must be complete or void before another one can take place.

• I have a business Visa Debit card, how am I affected by this change?

  Business Visa Debit cards will also fall under the PINwise initiative and will require a PIN to be entered for purchasing goods over the counter. If you do not already have a PIN on your business Visa Debit card, you will need to visit a branch and select a PIN for the card.

• Do all credit and debit cards still need to be signed on the reverse?

  Yes. This is still required as the signature on the back of the card will continue to be used for verification in certain situations, such as withdrawing cash at your local branch and travelling abroad to a country where PIN is not available for payment of goods.

• In what cases would cardholders not have to use a PIN?

  A PIN is not required for transactions performed over the internet, phone or mail.

  PIN is only applicable when you are physically present at the point-of-sale during the purchase or withdrawing cash from an ATM. There are some circumstances at the physical point-of-sale terminals when a PIN is not required to authorise a transaction, most commonly at contactless terminals for purchases under $100 and low value payments under $35.

  There are no circumstances in which you should ever reveal your PIN when making a purchase via internet, phone or mail. For these purchases you will be asked to provide your card details and the security number on the reverse of the card. It is important to remember that the security code or CVV is notyour PIN nor should you make it your PIN.

• Will the PIN I use for the purchases be the same as the PIN I use for ATM transactions? 

  Yes. Each debit and credit card has the ability to hold only one PIN number as a form of authorisation. The PIN on your card will be the same for purchases and ATM transactions.

• Can I still use payWave?

  Yes. In Australia, where that facility is enabled you can still ‘tap’ your Visa payWave enabled credit or debit card on a contactless enabled terminal or touchpad to initiate the payment side of the transaction. When payWave is used for any transaction under the value of $100 there is no need for you to enter a PIN. From 1 August 2014, for transactions greater than $100 you will be asked to enter a PIN.

• Are there any fees for using payWave?

  There are no fees for setting up or using the payWave feature on your card. However standard fees and charges do apply. For more information, please refer to our Fees and Charges document.

• How will I know that a retailer accepts Visa payWave transactions?

  You will know that a retailer or merchant accepts Visa payWave transactions if they display the contactless payments indicator. Your Visa payWave card can still be used like a regular credit card at millions of locations worldwide where Visa is accepted. For information regarding Visa payWave merchants in Australia, visit visapaywave.com.au

• When will I be required to enter a PIN?

  A PIN will be required at all point-of-sale terminals in Australia for purchases of goods and services, as well as cash-out transactions unless you are conducting a contactless transaction through payWave (under $100) or a small ticket purchase (under $35) as these transactions do not require a PIN or signature.

• What is PINwise?

  PINwise is a nationwide initiative of the Australian payments card industry to encourage the use of PIN instead of signature for point-of-sale transactions. From 1 August 2014 all financial institutions in Australia will become PINwise. This means that a PIN will be required at all point-of-sale terminals in Australia for purchases of goods and services, as well as cash-out transactions using your Visa Debit or Credit card. Providing a signature for purchases will no longer be accepted.

  Using your PIN for credit and debit card purchases at point-of-sale terminals is safer and faster than signing. The risk of someone guessing your PIN is extremely small compared to someone forging your signature as there is only a one in ten thousand chance of someone correctly guessing your PIN.

  Enter your PIN when you make a purchase in person or use the convenient payWave payment option where available.