Westpac Paytag

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Forums › Finance and wealth management › Westpac Paytag

mattbush

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#156053 17-Nov-2014 21:39

Just wondering what folk think?

I have one but reluctant to stick it onto my new iphone leather case. Thought maybe it could leave marks on the leather etctec

Maybe should wait until the real thing happens??

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#1177606 17-Nov-2014 21:40

I just put it on my work ID card.

Can't be bothered sticking it on the phone because I might be changing phone quite frequently

mattwnz

20159 posts

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#1177618 17-Nov-2014 21:56

It doesn't stick to my case, it just fell off. Does it actually do anything more than one of the cards? I mean what is the point of keeping it in your wallet, if you already have a card in it. And what if it falls out as it is small?

tardtasticx

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#1177691 17-Nov-2014 23:34

Just ordered my one from ASB and an idea I had was attaching it to my drivers licence. That way when we go to the club I just take that rather than a whole wallet. Less chance of losing it. Though I'm not sure if that would cause issues if the police needed it when issuing a ticket or whatever. Not keen on attaching to phone as I change cases all the time and don't want it tacked on my shiny iPhone.

MadEngineer

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#1177694 17-Nov-2014 23:57

Yeah because I always carry both my cell phone and drivers license with me and therefore my wallet I honestly don't see the point.

You're not on Atlantis anymore, Duncan Idaho.

PoHq

466 posts

Ultimate Geek

#1177708 18-Nov-2014 06:10

It's a work in progress, there isn't much point at the moment agreed. I just ordered mine from ASB but with the criteria of - you need to find somewhere that a) has pay wave and b) purchase of under $80 you still need your wallet without question. I Have linked mine to my credit card to so if I go to somewhere which doesn't take credit cards for small purchases or at all, again I need my wallet.

One of the conditions of use which would make this A LOT more useable is to lift the limit. I'm not talking by much just enough to make the paytag. useful. I'd like to see it at $500 daily with a notification if you get near that.

$80 doesn't cut it for me and renders it pretty useless. Yes I can buy a coffee but I can't fill my car or get my weekly groceries, pretty much the most regular things I do.

Anyway mine is on the way, I am still thinking about how I'm going to get it on my phone, possible inside the case if it's thin enough.

dickytim

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#1177709 18-Nov-2014 06:28

not sure if it is the same with the tag but when I use pay wave at the petrol station all that happens is that I need to follow up with a pin.

The bank is never going to allow you $500 transaction without a pin or some other security.

PoHq

466 posts

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#1177710 18-Nov-2014 06:39

If all you have to do is follow up with a pin for purchases over $80 that could make it more useful. I wasn't aware of that. I just feel like at the moment you arrive at the checkout. You then have to quickly work out, do they take payWave? Do they take credit? Is it going to be under $80?

You are stood there with your PayTag and wallet just in case. Kinda makes it pointless at the moment, if anything more of a pain than convenience. Like I say though it's new, a work in progress so need to give it a chance.

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dickytim

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#1177711 18-Nov-2014 06:46

I use my visa debit card for everything no so all accouts are on that.

I onlybcarry 3 cards;

Visa debit
License
Aa rewards 😀

Jeeves

301 posts

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#1177732 18-Nov-2014 08:37

I've used my ASB Paytag for >$80 transactions no worries - not sure why you think you can't PoHq but there is no limit on the paytag to my knowledge - only the pin number after $80, same as your credit card paywave.

For what it's worth, I had my paywave stuck directly to the back of my iPhone, and I took it off over the weekend as I've changed banks. Bit of a bugger to get off, but it came off in one piece and a quick rub down with a solvent got rid of any remaining glue - no permanent residue left.

davidcole

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#1177737 18-Nov-2014 08:52

So Ive had an asb paytag for a month or so now. It sits on my 5s with a case on top. I've found it really hit and miss (including getting a first one replaced as it stopped working).

I don't get enough good results out of it to ever consider leaving my wallet at home. With New World terminals I tend to get a lot of too many cards and cannot read card. Countdown it stopped working (or disabled? no idea). Lately the only place I've been able to use it is shell. Right after attempting and failing to use paytag...I then pay via a paypass(wave) visa - so it's not the terminal.

Anyone else tried one on their phone (or the wbc one?) I had my first positioned down the bottom in the middle. This 2nd one is slightly to the right (heard something about iphone 6s having antennas on the left. Not sure if I should put it higher up the phone or not?

I'd really like this to work but at this stage I don't even bother attempting it.

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Handsomedan

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#1177756 18-Nov-2014 09:05

The Paytag is a pretty good interim step...I have one on my Blackberry that is linked to my company credit card and one (still in an envelope) linked to my debit card.
I'll put the debit card one on my lifeproof case once they make them for the iPhone 6.

I say interim step, as it's the closest thing Westpac or ASB has to a digital wallet out there in the wild...maybe next year we'll see the need for a Paytag disappear, but at least it gives you the option of using a card without a wallet, as such.

My only concern is that they are quite thick plastic...would've preferred a much thinner (more sticker-like) profile...but maybe that's too hard to manufacture in high numbers at low cost.

I note from their websitem however that it doesn't work like a normal contactless card: Note: if the transaction is at or above the contactless limit (NZD$80) and you are prompted for a PIN, you'll need to use your credit or debit card to complete the transaction.

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russelo

328 posts

Ultimate Geek

#1177792 18-Nov-2014 10:12

Mine arrived yesterday.
I put it on the back of my phone but inside the case.
I'm afraid I'll eventually loose it if I stick it outside the case as its credit-card thick and I kept pulling my phone in and out of my pants pocket.

We'll see how it works behind a thick Spigen case.

tardtasticx

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#1177802 18-Nov-2014 10:39

Handsomedan:
I note from their websitem however that it doesn't work like a normal contactless card: Note: if the transaction is at or above the contactless limit (NZD$80) and you are prompted for a PIN, you'll need to use your credit or debit card to complete the transaction.

I wonder why Westpacs one does that. The ASB one makes you setup a pin like a regular card, and if you go over the $80 limit, you key in that PIN like any other transaction. No need for normal plastic. Kinda silly for westpac to do that

khull

1245 posts

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#1177859 18-Nov-2014 11:36

Interesting hear people's experiences - pay tags are a huge convenience until you get to a terminal that still needs to swipe/insert the card so you end up brining the original card

russelo

328 posts

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#1177891 18-Nov-2014 12:00

tardtasticx:
I wonder why Westpacs one does that. The ASB one makes you setup a pin like a regular card, and if you go over the $80 limit, you key in that PIN like any other transaction. No need for normal plastic. Kinda silly for westpac to do that

The information that came with the card states that you can use it for more than $80 if you set it up with a pin. So I'm assuming you can go to any Westpac branch and setup a pin for it.

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