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How secure is a Fitbit Pay transaction?

Your transactions and card information are secure.  Fitbit Pay may store some of your payment information such as the last four digits of your card number and your card issuer’s name and contact information on their servers. Fitbit Pay does not store your transaction history. Your card details are never stored on the Fitbit device or share your details with merchants.  When a payment is made at the terminal, the merchants will only see the Device Account Number.  Fitbit Pay uses an industry-standard tokenisation platform to ensure your card information is never revealed or shared with merchants or with Fitbit. When you set up Fitbit Pay, you’ll have to establish an authentication method to authorise payments using a Fitbit 4-digit PIN code.  Ensure you choose a PIN which is secure and not easy for someone else to guess. We suggest setting a different PIN to your card PIN.

You can keep track of all your purchases(Visa transactions only) As soon as you complete a transaction, you’ll see a payment confirmation in your Fitbit Wallet (in the Fitbit app) that shows exactly where the transaction occurred, along with the merchant's name and the transaction amount. The three most recent transactions are displayed. You can detect any suspicious activity using this information and report it to Westpac.

You have greater peace of mind if you lose your Fitbit smart watch. You can remove or suspend the card added to the smart watch using the Wallet section of the Fitbit app. You can also deactivate a payment card from Fitbit Pay via the Fitbit website. No-one else can use your smart watch to make a payment without first entering your Fitbit 4-digit PIN code.

Subject to your terms and conditions, you are covered by our Fraud Money Back Guarantee for any purchases you make with your Westpac Mastercard® or Visa card on Fitbit Pay.

Payments over $100. Please be aware you must enter your card PIN at the contactless terminal for payments over $100 made with Fitbit Pay. For security reasons, if the contactless terminal does not prompt you to enter your card PIN, Westpac will not process the transaction.

More about Fitbit Pay