asb visa debit

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Forums › Finance and wealth management › asb visa debit

heavyusr

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#138112 20-Dec-2013 05:30

Do you have to press the Credit button at an EFTPOS terminal when purchasing something using an asb visa debit card in NZ?
If the salesperson asks me if I am paying by cash or credit, do I say credit and the salesperson pushes the Credit button on their terminal and I press the Savings button on my terminal?

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#955207 20-Dec-2013 05:34

You press the Cheque or Savings (depending on what account is linked to what) when using on an EFTPOS terminal in NZ. This is because the Visa Debit is linked to your bank account.

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Kyanar

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#955218 20-Dec-2013 07:24

And if it's a place like PB Tech, make sure to advise them you are paying by EFTPOS when they see the Visa logo, or they may charge you the credit card surcharge.

freitasm

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#955221 20-Dec-2013 07:31

heavyusr: If the salesperson asks me if I am paying by cash or credit, do I say credit and the salesperson pushes the Credit button on their terminal and I press the Savings button on my terminal?

If you want to pay from the account you push CHEQUE in New Zealand. If you have a card like mine which has credit, cheque, savings all loaded then you select whichever you want to use.

I haven't seen someone pushing the "Cash" or "Credit" button for me in years now. Most of the machines have a keypad for the customer, and if not the machine is passed over.

What's interesting is the number of machines with a reader on the customer side but the person handling still needs to use the merchant side to swipe/insert the card.

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richms

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#955310 20-Dec-2013 09:29

Only kmart have ever asked me that and I was like "what?!?!"

Richard rich.ms

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#955350 20-Dec-2013 10:09

richms: Only kmart have ever asked me that and I was like "what?!?!"

You were like what or you were what?

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#955351 20-Dec-2013 10:11

heavyusr: Do you have to press the Credit button at an EFTPOS terminal when purchasing something using an asb visa debit card in NZ?
If the salesperson asks me if I am paying by cash or credit, do I say credit and the salesperson pushes the Credit button on their terminal and I press the Savings button on my terminal?

Cheque.

It's odd - NZ is the only place I have ever shopped where the card system does not automatically know the answer from the data on the card.

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heavyusr

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#955573 20-Dec-2013 17:22

What about the new contactless paywave visa debit cards from asb?
Do they automatically know which account to use when you wave the card?

richms

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#955575 20-Dec-2013 17:28

Yes they process as credit so the merchants pay fees for no gain for the customer like a credit card where you get rewards and interest free time.

Richard rich.ms

jonovw

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#955576 20-Dec-2013 17:29

heavyusr: What about the new contactless paywave visa debit cards from asb?
Do they automatically know which account to use when you wave the card?

When you set it up you should be able to select the account you want to use for contactless payments and it will use that one automatically

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sonyxperiageek

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#955591 20-Dec-2013 17:55

freitasm:

What's interesting is the number of machines with a reader on the customer side but the person handling still needs to use the merchant side to swipe/insert the card.

I've noticed that too and I'm about to insert the card then the person is shoving her hand towards me and I'm like: "Don't I just insert the card on this side?"

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sonyxperiageek

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#955592 20-Dec-2013 17:57

And the ASB VisaDebit payWave system still don't work at Countdown stores which is frustrating for when purchasing one or two items only... I guess they just don't want to be stung with credit card fees!

Sony

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Byrned

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#955616 20-Dec-2013 18:58

jonovw:
heavyusr: What about the new contactless paywave visa debit cards from asb?
Do they automatically know which account to use when you wave the card?
When you set it up you should be able to select the account you want to use for contactless payments and it will use that one automatically

Why when its a system provided by Mastercard or Visa?

richms

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#955628 20-Dec-2013 19:15

Last time I was there getting cat food and red bull I decided that next time if the asb visa debit doesn't paywave it will be cash with my biggest note.

Richard rich.ms

sbiddle

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#955638 20-Dec-2013 19:50

Geektastic:
heavyusr: Do you have to press the Credit button at an EFTPOS terminal when purchasing something using an asb visa debit card in NZ?
If the salesperson asks me if I am paying by cash or credit, do I say credit and the salesperson pushes the Credit button on their terminal and I press the Savings button on my terminal?

Cheque.

It's odd - NZ is the only place I have ever shopped where the card system does not automatically know the answer from the data on the card.

That's because very few countries offer the ability to have cheque, savings and credit card all on the same card. All 3 buttons will work on my Visa.

sonyxperiageek

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#955642 20-Dec-2013 20:13

richms: Last time I was there getting cat food and red bull I decided that next time if the asb visa debit doesn't paywave it will be cash with my biggest note.

Is this for the self-service checkouts? If so, they may retaliate and spew out all your change in coins! :P

Sony

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