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PayPass


What is MasterCard PayPass and why should I use it?

PayPass is a faster way to pay with your MasterCard credit or debit card. Instead of swiping your card at the checkout, simply tap your card on a special PayPass reader.

If your purchase is under $100, there’s no need to sign or enter a PIN. So you'll get in and out faster than before.


What if my card does not work?

Make sure you hold your card in close proximity or against the PayPass reader as the Radio Frequency signal has a very short range. If you continue to have problems, contact the customer service hotline on 13 2221 to arrange a replacement card.


How do I know if my MasterCard has PayPass ?

If your credit or debit card has the MasterCard PayPass logo on it then it has PayPass.


Which Commonwealth Bank cards have PayPass?

All Commonwealth Bank MasterCard credit and debit cards have PayPass.


When would I choose to use PayPass rather than cash?

PayPass is faster than traditional EFTPOS and is ideal for transactions under $100, as no signature or PIN is required. You don't need to count your change or worry whether you have enough cash on hand to make your purchase.


Will I receive a receipt for PayPass purchases so I know what I'm being charged for?

Just like any retail purchase, merchant receipts are available upon request. And all PayPass purchases are recorded on your statement along with all your other card purchases.


Can I tap any MasterCard to perform a PayPass transaction?

No. Only MasterCard credit and debit cards that show the PayPass logo have the chip and antenna that make it possible to pay with a tap. MasterCard credit and debit cards that aren’t equipped with PayPass can’t be read with a tap - they need to be swiped to make a purchase.


Can I accidentally be charged for a PayPass transaction just by walking past a PayPass reader?

No. PayPass readers have a limited range. Your cards need to be within 6mm to be read.


How far from the PayPass reader should I hold the card?

MasterCard credit and debit cards with PayPass should actually touch the PayPass reader to work.


How secure is PayPass?

PayPass is designed to be just as secure as the magnetic stripe on traditional MasterCard credit and debit cards.


Can I be charged twice if my card has been tapped more than once?

It doesn't matter how many times a card is read by the PayPass reader, the charge will only occur once.


When I returned an item I paid for using PayPass, the credit was processed using the card's magnetic stripe. Will I still receive the credit?

Yes. The credit issued by the merchant will show up on your account whether the retailer used the magnetic stripe or PayPass feature of your MasterCard credit or debit card.


Can I still use the magnetic strip on my PayPass card?

Yes. If the retailer doesn’t have a PayPass reader installed, you can continue to swipe your PayPass credit card just as you always have.


Does a PayPass enabled card need to be treated in any special way?

No, but excessive bending could result in damage to the antenna and should be avoided. If your PayPass enabled credit or debit card stops working with a tap, please let us know by calling 13 2221.


How do I disable/turn off the PayPass option?

PayPass is a permanent feature of your card and can’t be disabled. You can still swipe your credit or debit card just as you always have, if you don't want to make a purchase using PayPass.


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MasterCard is the registered trademark of MasterCard International Incorporated. PayPass and Tap & Go are trademarks of MasterCard International Incorporated.

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