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Frequently asked questions

No, there's no need to press any buttons on the contactless terminal. With contactless technology the transaction is automatically processed to the transaction account or credit account linked to the CREDIT button.

You can't get cash out from a contactless transaction i.e. by only holding your card against the terminal. However, if you have transaction accounts linked to your card and the merchant allows the cash out option, you can get cash out simply by pressing CHQ or SAV and swiping or inserting your card into the terminal. You will also need to enter your PIN.

You should hold your contactless card within 4cm of the contactless terminal. If you choose to keep multiple cards in your wallet or purse while paying, only one card will be read by the contactless terminal. If you have multiple cards in your wallet or purse, the card read by the terminal and the account charged may not necessarily be the one you intended. The surest way is to remove the card you want to use from your wallet or purse and hold it against the contactless terminal.

The terminal will indicate when your transaction has been approved.

A contactless payment is designed to let you make low value transactions quickly and conveniently. If you'd like a receipt to confirm the contactless transaction, just ask the merchant before you pay. For purchases $100 and over, a receipt will be provided after you swipe or insert your card and sign or enter your PIN.

Purchases made with your contactless card will be displayed on your statement in the same way any other purchase you make with your card is displayed. This means you can now track all those small, everyday transactions on your statement.

For purchases $100 and over you can still use your contactless card by swiping or inserting the card in the terminal and providing your signature or PIN.

The card has a chip and magnetic stripe that also allows the card to be used in the same way a card without contactless technology is used* (when you sign or enter a PIN to complete a transaction).

*Cards can be used for purchases where Mastercard®; Visa and American Express are  accepted and processed electronically (excluding cash and cash equivalent transactions at ATMs and over the counter at financial institutions, gambling merchants and a small number of merchants displaying the Mastercard®, Visa or American Express logos who elect not to accept the cards).

Yes there is. Limits apply per contactless transaction: Mastercard® limit: $100 or less, Visa and American Express limit: under $100.

Security of contactless payments

Contactless terminals are designed to accept one card per transaction at any time. All contactless terminals are tested and certified to confirm that a card is only read once before the transaction is completed. As a safeguard, each transaction must be completed (accepted or declined) before another one can be entered into the contactless terminal. If you believe that you have been charged twice for a transaction, contact the Cards Customer Service Line on 1300 651 089.  

To ensure that using contactless technology is as simple and convenient as cash, merchants that accept contactless payments do not require you to sign or enter your PIN for small purchases of under $100.  

Yes. The Westpac and Mastercard® or Visa or American Express security systems will continue to offer you protection from unauthorised transactions. In addition, with contactless technology, you retain control of your card during the transaction, which reduces the risk of fraud.  

As with any other card, if you have lost your card or suspect unauthorised activity on your account, stop using your card and contact the Cards Customer Service Line on 1300 651 089 immediately. As with your current Mastercard® or Visa or American Express card, if you comply with the terms of the cardholder agreement and the terms of the Mastercard® Zero Liability policy or Visa Zero Liability policy or the American Express fraud protection guarantee (depending on your card type), you will be reimbursed for any unauthorised activity on your card.

Things you should know

Information is current as at 1 November 2014. Limits apply per contactless transaction: Mastercard limit is $100 or less, Visa and American Express limit under $100. This information doesn't consider your circumstances. Before you make a decision, read the terms and conditions available at, by calling 132 032 or by visiting any Westpac branch and ensure that the product is right for you. Transaction fees and charges may apply.

American Express® is a registered trademark of American Express. The Westpac American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express.

World Mastercard®, Mastercard® and the Mastercard brand mark are registered trademarks, and PayPass is a trademark of Mastercard International Incorporated.

Visa is a registered trademark of Visa Worldwide PTe Limited.