VISA PAYWAVE FAQs

What is Visa payWave?

Visa payWave is a new payment feature that lets you make purchases easier since you don't need to fumble for cash. With Visa payWave, you simply wave your EastWest Visa in front of a secure reader at the sales counter, and you're on your way. Payment cards enabled with this contactless payment technology feature a distinctive contactless mark () on the card face. The card has an embedded chip, which contains a tiny antenna that securely transmits payment instructions to and from a secure reader.

What are the benefits of a Visa payWave-enabled card?

Using a Visa payWave-enabled card is a quicker and more convenient way to make purchases. You don't have to sign a receipt or enter a PIN, just tap-and-go. Visa payWave saves time on both sides of the counter--shorter transaction times mean you spend less time in queues. There's no more fumbling for cash, counting change or worrying if you have enough cash for the purchase. It's also a more secure way of paying because the card doesn't leave your hand at checkout

Is this technology secure?

The Visa payWave platform is based on secure EMV chip technology, which provides both data protection and transaction security via the use of keys and the latest encryption technology. Visa payWave transactions are processed through the same, reliable payment network as EMV chip and magnetic strip transactions.

EastWest Visa payWave-enabled cards are just as secure as any other Visa chip card. You also have peace of mind since the card remains in your hand throughout the entire transaction.

Where can I use my EastWest Visa payWave-enabled card?

You can use your EastWest Visa payWave-enabled card for transactions at retailers across the world. Look for the contactless symbol () and the Visa logo () on card readers at the point-of-sale. You can also use your EastWest Visa payWave-enabled card for signature transactions at millions of locations worldwide wherever you see the Visa sign, including over the internet, telephone or via mail order.

If there are no available Visa payWave-enabled terminals, you can still use your EastWest Debit, Prepaid, or Credit card for your transactions. The merchant will simply swipe your card to complete the transaction.

How do I pay with my EastWest Visa payWave-enabled card?

Look for a Visa payWave reader displaying the contactless symbol () and the Visa logo () at the point-of-sale. Once the cashier enters the purchase amount into the terminal, hold your card within 4cm of the secure contactless reader. Your transaction is confirmed when the green indicator lights up and you see a display message confirming that your transaction has been successful. You can choose to have a receipt, but this is optional.

Is there a limit on the value of goods you can purchase with Visa payWave technology?

The limits of the value you can pay using VISA payWave technology differs in every country.

What happens if I try to purchase goods over limits that can be paid using payWave technology?

For purchases exceeding this amount, the retailer or merchant will process the transaction the usual way by swiping or dipping the card into an EMV-chip card payment terminal. You will have to sign for this purchase.

Can I get a charge slip after I make the payment?

Visa payWave is designed to let you make a paperless wave-and-go payment, but you can request for a charge slip if one is needed.

Can I unknowingly make a purchase if I walk past the reader?

No. Visa payWave was designed to ensure that the cardholder is always in control. The retailer must first have entered the purchase amount for approval and your card has to be held in very close proximity to the card reader (within 4 cm) in order for a transaction to take place. Terminals can also only process one payment transaction at a time.

Is there any chance that a payment amount may be charged twice to my EastWest Visa?

No. Visa payWave terminals are designed to accept only one transaction per card at a time. As a safeguard, each transaction must be either complete or void before another one can take place.

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