How long does it take to get a payWave card?

If your card has been lost, stolen, damaged or has expired, you can get a payWave card over the counter at any branch. We can issue you with a new card straight away, but it won’t have your name on it. If you’d like a personalised card with your name on it, it takes 3 – 5 business days to arrive and will be mailed out to you.

How do I know if a retailer accepts Visa payWave?

You can use payWave anywhere you see the Visa payWave logo or contactless symbol, here and overseas. You can still use your card at millions of locations worldwide that don't have payWave by just inserting or swiping it.

How close does my card need to be to the reader?

Very close – you should tap your card within 4cm of the contactless symbol on the reader.

Could I unknowingly make a purchase if I walk past the reader?

No. The retailer must first enter the amount for you to approve and terminals can only process one payment transaction at a time. The card needs to be held very close to the reader for it to work.

How do I know when a payment has been made?

You’ll hear a beep and either ‘accepted’ or ‘declined’ will be displayed on the reader.

What account do I select when I pay using Visa payWave?

You don't need to select an account when using payWave. The transaction will come from the account you have linked to the CHQ button.

Will I pay extra fees for using Visa payWave?

In most cases, there is no additional charge for using payWave to pay for your purchases. Some merchants may charge a convenience fee for using a Visa Debit Card and must tell you before you complete the transaction. To avoid this in New Zealand, just insert your card and enter your PIN instead of using payWave at these merchants.

Will I get a receipt for my payWave transactions?

You will always get a receipt, unless you specifically choose not to get one.

How will payWave transactions display on my statement?

payWave transactions will show on your statement just like any other transaction you make with your card.

Is there a dollar limit when paying for things using payWave?

For purchases under $80 (in New Zealand) you can tap and go. For purchases over $80, you’ll be asked to enter your PIN.

Do I have to use payWave for transactions under $80?

Visa payWave can't be turned off, but you can choose to pay by inserting or swiping your card and entering your PIN instead.

Can I still use my Visa Debit Card for online purchases, even if they’re less than $80?

Yes. Use your card as usual when you’re buying things online.

Can I lower the $80 payWave limit amount?

No, the payWave transaction limit is set at a country level and in New Zealand it is set to $80. This can’t be changed at an individual card level.

If I don’t want to have Visa payWave on my Visa Debit Card, can I turn it off?

No, you can’t turn Visa payWave off. You don’t have to use your card for Visa payWave transactions though – the alternative is to get a Kiwibank ATM/EFTPOS card, which does not have Visa payWave on it. Keep in mind that an ATM/EFTPOS card can’t be used for online shopping, international purchases and withdrawing cash from some overseas ATMs that are chip only ATMs.

Which account will my payWave transaction come out of, cheque or savings?

The transaction will come from the account you have linked to the CHQ button. If you want to change the default account you can do this via internet banking or by calling us on 0800 11 33 55.

I don’t like the card design I have been sent. Can I change it?

Yes. Just go into internet banking and request a new card. To do this, click on ‘Settings’, then ‘Cards’, then ‘Replace ATM/EFTPOS or Visa Debit Card’.

Please note that by doing this, you’ll get a new card number and you’ll have to change any recurring payments you have set up on your existing card. You can also order a new card by going to your nearest Kiwibank branch or by calling us on 0800 113 355. A $15 card replacement fee will apply.

How should I look after my card?

Visa payWave cards have an antenna built into the plastic, so try not to bend your card a lot.

What if my card isn't working?

In order for your card to work, you’ll need to activate it before you can use it online or for a payWave transaction. You can do this by making a purchase at a store and inserting your card and entering your PIN. If your card still isn’t working, call us on 0800 113 355.

Can I make a contactless transaction using any of the Kiwibank Credit Cards?

Yes, all Kiwibank Credit Cards can make contactless payments. If you’ve been issued with a new Visa Debit card from 23 February 2016, your card will be enabled to make contactless payments using Visa payWave.

Can I use payWave overseas?

Yes you can. Keep in mind that transaction limits may vary and depending on the rules of the country, you may be asked to enter your PIN or sign. When you use your card for foreign currency transactions, your transactions will be charged to your account in New Zealand dollars at a rate of exchange determined by Visa on the date it sends the transaction details to us. An international transaction fee also applies.