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How to pay using your wearable

How to pay using your wearable

Struggling to exercise and safely stow your wallet, card or phone to pay for that post-workout snack? Problem solved.

Now you can use your ‘wearable’ smartwatch or fitness tracker to pay on the move.

Which workout wearables?

Wearables are becoming far more than just fitness trackers. Along with many other features, the newly launched Fitbit Ionic and Garmin Vivoactive 3 devices now enable you to make contactless payments.

With the introduction of Fitbit Pay and Garmin Pay you can now link your Mastercard debit or credit card to your fitness wearable and use it to pay for things before, during or after your workout.

CommBank customers can: You can add your CommBank credit or debit Mastercard to either device and leave your cards, cash and phone behind when you exercise. You can also track your spending with Transaction Notifications sent to the CommBank app.

How does it work?

Near field communication (NFC), enable devices to securely share info between one another - as long as they’re close together.

Both Fitbit Ionic and Garmin Vivoactive 3 devices have an NFC chip embedded into them, making it possible for you, at the flick of your wrist, to quickly pay for items using your smartwatch at a contactless terminal. Think Tap & Pay, only using your fitness tracker.

It only takes a few simple steps to set up and you can add more than one card to either device, choosing one as the ‘default’ which you can change at any time.

Is it secure?

Your card number is encrypted and replaced with an alternative number, called the Virtual Account Number. This protects your card details so they aren’t exposed to anyone other than you.

It means that when you make a contactless payment it’s this Virtual Account Number, not your actual card number, whoever you’re paying sees.

This article is intended to provide general information of an educational nature only. It does not have regard to the financial situation or needs of any reader and must not be relied upon as financial product advice.