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  • Replacing your card details with tokens reduces your sensitive data from being compromised or unauthorised access, as each token can only able to be processed by that particular merchant.
  • It may also remove the need for you to manually update your credit or debit card details with a merchant when your card is lost, stolen or re-issued since the token should automatically update with your new card’s details.
  • Tokenisation doesn’t change the payment relationship between you and a merchant for recurring credit and debit card payments.
  • If you’d like to cancel or change a recurring payment arrangement (regardless of whether it involves tokenised credentials or plastic credentials) you should contact the merchant directly before the next payment is due.
  • Reissuing or replacing (lost & stolen) a card may not stop a recurring payment with a merchant. 
  • Since Westpac doesn’t own the payment agreement or relationship between you and the merchant, we are unable to cancel recurring credit and debit payments (regardless of whether this involves plastic or tokenised credentials) on your behalf.
  • Only the merchant can cancel these payments as they own the pay agreement with the customer.