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Tap & go Payments.
Faster checkouts are a thing thanks to Tap & go contactless payments using your debit or credit card. Just tap it on the terminal to make fast, secure purchases under $200.
Tap & go is fast.
- Simply tap your card, phone or smartwatch on the contactless symbol on the terminal to pay – once you hear the beep, you're good to go. No need to insert or swipe your card, and it only needs to be within 4cm of the reader.
- You don't need a PIN for Tap & go transactions under $200 in New Zealand. Contactless payment limits may vary in other countries.
- Tap & go payments have the convenience of speed, but are also just as secure as inserting or swiping your card.
Tap & go is safe.
- CardGuard® helps keep you safe from fraud by using multiple security systems that monitor your account 24/7. If you spot an unauthorised transaction, our Zero Liability protection makes sure you aren’t held responsible¹.
- Your card has built in security. The contactless technology is built on advanced chip technology and encryption. This makes sure your card details are sent securely to the payment terminal, protecting your information from being intercepted or compromised.
- Every transaction must be completed or cancelled by the merchant before another one can take place. So there's no need to be worried about tapping twice by mistake.
Tap & go with your Westpac Mastercard
Look for the Contactless Symbol.
All personal Westpac debit and credit cards offer contactless payments. You can check for the contactless symbol printed on the front or back.
Check if Contactless is accepted.
When paying, confirm that the merchant accepts contactless payments by looking for the symbol on the payment terminal.
Tap & go.
Once the amount shows up on the terminal, check it’s correct, and simply tap your card on the contactless symbol. The terminal will beep to confirm when your payment is complete, and you're all set!
Tap & go with your phone or smartwatch.
Paying with your phone or smartwatch is contactless and even more secure, thanks to authentication features like Face ID and fingerprint which are required to unlock your digital wallet.
Waiting for a replacement card or don’t want to carry one around anymore? Just add it to your digital wallet and use your Apple or Android device to pay.
What happens if my card is lost or stolen?
You can temporarily block your card through Westpac One® digital banking if you’ve lost it – then unblock it when you find it again. If your card was stolen or lost for good, block it and order a replacement through Westpac One® or call us on 0800 888 111 if you need further assistance.
If you don't have a digital card, and you've applied for a new debit card through Westpac One® or are waiting for your debit or credit card to be reissued or replaced, there's no need to wait for it to arrive. You can now add a digital card to your Apple Pay or Google Pay™ digital wallet² and start using it straight away in-store, online or overseas.
Managing Tap & go payments.
If you'd prefer to not to use contactless payments on your card, you can turn them off. Just go to the 'Cards' section in Westpac One® digital banking, choose your card, and toggle the 'Contactless payments' button to 'off'.
Turning contactless payments off only affects your physical card. You can still Tap & go with your phone or smartwatch.
FAQs
Things you should know.
Eligibility criteria, lending criteria, terms and conditions apply. Conditions of Use for the applicable card apply. Rates, transaction and services fees apply.
1You won’t be held responsible for any fraudulent transactions on your card if it’s lost or stolen, provided you notify us as soon as possible and have not acted fraudulently or negligently. You must also have complied with the card’s Conditions of Use.
2Apple Pay is available to eligible Westpac debit and credit Mastercard customers. Customers also need a compatible Apple device. For a list of compatible Apple Pay devices, see Apple Support. Terms and conditions apply to Apple Pay see Westpac Apple Pay Terms and Conditions for more information.
Apple, Apple Pay and Face ID are trademarks of Apple Inc., registered in the U.S. and other countries.
2Google Pay is available to eligible Westpac debit and credit Mastercard customers. Customers also need a compatible Android device. For a list of compatible Google Pay devices, see Google Support. Terms and conditions apply to Google Pay see Westpac Google Pay Terms and Conditions for more information.
Google Pay is a trademark of Google LLC.
Mastercard® and Tap & go™ are a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
Westpac One App Terms and Conditions which incorporate Westpac’s General Terms and Conditions and the Westpac Website Terms of Use apply.