PayPass™ FAQ

Q: What is MasterCard PayPass?

A: MasterCard PayPass is a 'contactless' way to pay for purchases under $100. It's like having exact change wherever you go. A simple tap of your card, key fob or PayPass-enabled mobile phone is all it takes to pay at the checkout.

Q: How do I benefit?

A:  There are many benefits with PayPass. It's like having exact change wherever you go, so you don't have to worry about carrying around a lot of cash or fishing for coins. You are in control because your PayPass never leaves your hand at checkout. With PayPass you get better record keeping of all your purchases than using cash for those small everyday items. It’s fast and ideal at places where you're in a hurry, like at stadiums, fast food restaurants, petrol stations and more.

Q: How can I get my own PayPass?

A: To apply for a MasterCard PayPass, contact any of the growing number of participating financial institutions (card issuers) listed on our website. Check back often, as new card issuers are added regularly.

Q: Where can I use PayPass?

A: Anywhere you see this symbol at the checkout, you can tap to pay with your PayPass. This includes fast food restaurants, petrol stations, convenience stores, pharmacies, stadiums and more.
If you don't see the symbol, your PayPass card can still be used by swiping at the checkout, like normal MasterCard cards.

Q: Paying with PayPass

A: To make a purchase, simply tap your PayPass card, key fob or PayPass-enabled mobile phone on the 'contactless' payment reader at the checkout of participating retail locations.

Q: Can I use my PayPass on contactless payment readers that don't display the PayPass logo?

A: No. You can only use PayPass where you see the PayPass symbol.


Learn How to Tap

Q: How close does the 'tap' have to be to the checkout reader?

A: You need to touch the reader with your card or the wallet your card is in. Please note that if you have more than one PayPass card in your wallet, you should remove the specific card you wish to use to pay.

Learn How to Tap

Q: How will purchases appear on my monthly statement?

A: Purchases made with PayPass will be displayed on your statement just like any other purchase you make with a regular card.

Q: How does it work?

A: PayPass uses a hidden embedded computer chip and radio frequency antenna. After you tap your PayPass at the checkout, payment details are sent wirelessly to the MasterCard network. Moments after you tap, you will receive payment confirmation and be on your way.

Q: What is a key fob or payment tag?

A: A key fob or payment tag is a special PayPass device that you can attach to your key chain. Card issuers sometimes provide this as a companion to your traditional MasterCard plastic card. Usually very small and made of plastic, PayPass fobs/tags contain the same contactless computer chip and radio frequency antenna as regular PayPass cards.

Q: Do I have to treat my PayPass in any special way?

A: Treat your PayPass as you would any credit, debit and prepaid cards. Always know where your PayPass is and keep it in a safe place. Check often to make sure none of your cards/devices is missing. And be sure to keep a record of all your card numbers, expiration dates and emergency phone numbers in a safe place.

Q: Is there a battery?

A: There is no battery used to activate your PayPass.

Q: Do I need to turn it on/off?

A: If you have a PayPass-enabled mobile phone, there are features allowing you to turn it on or off. If you are using a mobile sticker, it works as if the card and device were always on and ready to use. PayPass cards and fobs are also always on and ready to use.

Q: Is it safe?

A: Yes. With secure encryption technology and Zero Liability protection, PayPass is as safe as your regular card.

  • You are in control: your PayPass never leaves your hands to make a payment.
  • No accidental payments: your PayPass must tap the reader at checkout.
  • Not billed twice: Even if you tap more than once at the checkout, you'll only get billed once for your purchase.
More About Security

Q: Why aren't signatures required?

A: To ensure that using PayPass is as quick, simple and convenient as cash, retailers/merchants that accept PayPass do not need you to sign for small purchases ($100 or less).

Q: What do I do if my PayPass has been lost or stolen?

A: If you have lost your card or suspect unauthorised activity on your account, stop using your PayPass and immediately contact the financial institution that issued your card.

Q: Questions not answered here

A: If you have a question that has not been answered here, please contact the financial institution that issued your card as only they hold account-specific and unique information. Usually the customer service number for your financial institution will be printed on the back of your card.