BSB 805 050

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BSB 805 050

FAQ

Find answers to some of the most common questions from our members 

Our BSB is 805 050

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payWave

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  • 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.

  • 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
  • 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.

  • 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.

  • 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. 

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