MasterCard PayPass

MasterCard® PayPass™ is a new contactless payment feature currently available on ANZ MasterCards allowing you to pay for small purchases (NZ$80 or less in New Zealand but transaction limits may vary overseas) without swiping, dipping, signing, or entering a PIN at any participating merchant.

Convenience

It’s like having exact change, so you don’t have to worry about carrying around a lot of cash and coins. There’s no need to dip or swipe your card in the terminal. Simply tap your card against the MasterCard PayPass reader and you’re done! When using your ANZ MasterCard, PayPass transactions are automatically charged to your credit card account.  They cannot be processed to any nominated savings or cheque accounts.

Speed

You won’t be held up while signing or entering a PIN – which makes it the faster way to pay for small purchases (for NZ$80 or less in New Zealand. Transaction limits may vary overseas).

Security

Unlike some other payment methods, you have full control of the card because your card never leaves your hand. Plus, we have round-the-clock monitoring provided by ANZ Fraud system to help protect your card. You’ll also be covered by MasterCard’s Zero Liability* protection should fraudulent transactions occur, provided you haven’t contributed to the loss in any way and you notify us that your card has been lost or stolen within a reasonable time.

*Conditions and exceptions apply. For further details, see MasterCard Zero Liability and the ANZ Credit Card Terms and Conditions. Lending criteria, terms, conditions and fees apply to all ANZ credit cards.

You can use your MasterCard PayPass card at any PayPass merchant terminal – simply follow the steps below.

Step 1

Look for the MasterCard PayPass logo on the reader.

MasterCard PayPass

Step 2

Once the merchant has entered the amount to pay, follow the on-screen prompts and tap your card against the contactless reader.

Step 3

Wait until the reader beeps and the lights illuminate and then remove your card and you’re done. If you’d like a receipt then simply request one.

You can use MasterCard PayPass at thousands of locations all around the world. So look out for this contactless symbol contactless symbol and the MasterCard PayPass symbol.

MasterCardPayPass

For a full list of locations in New Zealand, and around the world, use this MasterCard selector.

Even without having to sign or enter a PIN, MasterCard PayPass transactions are still as secure as all other payment methods using your ANZ MasterCard. That’s because it uses secure encryption technology and the same, reliable payment network as regular card transactions – making it just as secure.

  • You are in control – your card never leaves your hand to make a payment.
  • No accidental payments – your card must be extremely close to the reader at checkout to work.
  • Not billed twice - even if you tap more than once at the checkout, you'll only get billed once for your purchase.

If our ANZ Fraud system notices unusual purchasing activity on your ANZ credit card account, the ANZ Fraud team will be alerted, they’ll block your card so no further transactions can be made and then contact you to check that everything is in order.

Also MasterCard’s Zero Liability*protection means you won’t be liable for unauthorised transactions, provided you haven’t contributed to the loss in any way and you notify us that your card has been lost or stolen within a reasonable time.

Conditions and exceptions apply. For further details, see MasterCard Zero Liability and the ANZ Credit Card Terms and Conditions.

What is MasterCard PayPass?

MasterCard PayPass is a new, contactless way to pay that securely transmits purchase information via a computer chip and tiny antenna embedded in your card.

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What are the benefits of MasterCard PayPass?

It'll save you time - because you don't have to swipe, dip, sign or enter a PIN when you make a purchase for NZ$80 or less at a MasterCard PayPass merchant in New Zealand (transaction limits may vary for overseas merchants). And you won't have to worry about carrying cash and coins around. It’s fast and ideal at places where speed is essential, like at stadiums, fast food and more. Plus, you'll still be able to swipe or dip your card whenever you need to.

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How do I know if a retailer accepts MasterCard PayPass?

Any retailer who displays the MasterCard PayPass logo and the contactless symbol contactless icon can accept contactless payments. For a full list, use this MasterCard selector. Of course, you'll still be able to swipe or dip your card at millions of locations worldwide, wherever MasterCard is accepted.

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How close does my card need to be to the reader?

You should tap your card within a couple of centimetres of the contactless symbol on the contactless reader.

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Is there a limit on the value of goods I can purchase using MasterCard PayPass?

You can use MasterCard PayPass for any amount. But if the purchase is over NZ$80, you will need to enter a PIN in New Zealand. Please note the purchase amount overseas will vary from country to country.

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Are there any fees for using MasterCard PayPass?

While standard transaction fees will apply, you won't be charged any extra for using MasterCard PayPass to pay for your transactions.

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Will I receive a receipt for my PayPass transactions?

You will only receive a receipt if you request one from the retailer or when you are required to enter a PIN or sign the receipt.

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How do I know when a payment has been made?

You'll hear a beep and a message will be displayed confirming that your transaction has been approved or declined.

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Could I unknowingly make a purchase as I walk past the reader?

No. The retailer must have firstly entered the amount for you to approve, and then your card has to be tapped against the PayPass reader.

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How do I know that my PayPass transaction is secure?

MasterCard PayPass transactions use secure encryption technology, and are processed through the same, reliable payment network as regular transactions - making them just as secure.

  • You are in control – your card never leaves your hands to make a payment.
  • No accidental payments – your card must be extremely close to the reader at checkout to work, even if the card is tapped more than once you’ll only be billed once.

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Can I use my card at retailers that accept MasterCard but don't have MasterCard PayPass terminals?

Yes. Simply dip or swipe your card and go through the traditional payment process.

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Do I need to select credit, savings, or cheque when I pay using MasterCard PayPass?

No. With MasterCard PayPass the transaction is automatically charged to your credit card account.

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Can I dip or swipe my card for transactions under $80?

Yes. If you'd prefer not to use MasterCard PayPass, you can use your ANZ MasterCard in the traditional way.

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Can I use MasterCard PayPass for transactions overseas?

Yes. MasterCard PayPass can be used anywhere the MasterCard PayPass logo and this symbol contactless icon is displayed. Use this MasterCard selector to see where you can use your ANZ MasterCard for Contactless transactions around the globe. Please note the purchase limit for using PayPass overseas will vary from country to country.  This means that you may be prompted to enter a PIN or sign the receipt for transactions less than NZ$80 or you may be able to use the contactless functionality for transactions of more than NZ$80.

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How will contactless transactions display on my statement?

MasterCard PayPass transactions will display on your statement just like any other transaction you make with your card.

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