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David321

373 posts

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  #3209417 22-Mar-2024 06:51
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MartinGZ:

 

David321:

 

...But if someone else uses your card then we can assist in getting funds back via the Zero liability policy with Visa."

 

 

Note he is not talking about Google Pay, but your card. I would only take what is written in the T&C.

 

That KB Clause 5 is open to interpretation. Is that second sentence referring to the first sentence where someone else has access to your device or is it stand alone. As there is no sort of conjunction, I see it as standalone, but I see it could be interpreted otherwise. 

 

But it gets worse.

 

"What is the maximum amount I can make in a single transaction?
There's no specific transaction limit for Google Pay transactions on Kiwibank credit cards, however you'll need to stay within the daily Kiwibank Visa Debit Card purchase limit if you're using your Visa Debit Card to pay for your purchase."

 

My emphasis, KB source

 

I have a relatively low credit card limit on purpose (to limit liability), so this does alarm me. Why is this not in the T&C?

 

I don't use my debit card for online transactions to limit liability, but given the above, if I use Google Pay linked to my credit card, liablity skyrockets. Just dumb!

 

I had a quick squiz at another random bank. Although Westpac NZ seem to be much more user friendly than KB in their T&C, they too cover their backsides:

 

"24. You agree that you will be responsible for all transactions made using your Westpac card with Google Pay following successful login to your device. In particular, you agree that each time your Android device registers a login to perform a transaction using a Westpac card in the Google Wallet app, you instruct us to perform that transaction in accordance with these Terms and the General Terms and Conditions."

 

Westpac Source

 


Personally, I've never quite seen the attraction of Google Pay, still undecided. But all this is not exactly positive even though my phone is locked down as much as possible.

 

 

 

 

I pressed Kiwibank for a better explanation from them rather than the persons "From my understanding" they came back with this 



They have left me with no confidence they will honor the security guarantees that visa states are on offer to all users of their cards, pretty poor really, I certainly wont be using google pay on my phone if Kiwibank won't uphold the visa zero liability policy. 

 

 

 

 





_David_

 
 
 

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MartinGZ
289 posts

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  #3209651 22-Mar-2024 20:53
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David321:

 

They have left me with no confidence they will honor the security guarantees that visa states are on offer to all users of their cards, pretty poor really, I certainly wont be using google pay on my phone if Kiwibank won't uphold the visa zero liability policy. 

 

 

Two cases.

 

     

  1. Someone steals/finds my bank cards and proceeds to use them. At least a few paywaves would go through without a PIN number for amounts under $200. Greater amounts if they had seen my PIN when looking over my shoulder (or such like.)
  2. Someone steals/finds my phone and proceeds to use Google Pay. At least a few contactless would go through without a PIN number (assuming you don't have to login for <$200.) Greater amounts if they had seen my phone login PIN when looking over my shoulder (or such like.)

 

Um, other than the obvious, will someone please point out the difference? One KB will back up, the other they won't.

 

Is this fair contract law? I just don't know the answer to that one.


David321

373 posts

Ultimate Geek


  #3209656 22-Mar-2024 21:14
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MartinGZ:

David321:


They have left me with no confidence they will honor the security guarantees that visa states are on offer to all users of their cards, pretty poor really, I certainly wont be using google pay on my phone if Kiwibank won't uphold the visa zero liability policy. 



Two cases.



  1. Someone steals/finds my bank cards and proceeds to use them. At least a few paywaves would go through without a PIN number for amounts under $200. Greater amounts if they had seen my PIN when looking over my shoulder (or such like.)

  2. Someone steals/finds my phone and proceeds to use Google Pay. At least a few contactless would go through without a PIN number (assuming you don't have to login for <$200.) Greater amounts if they had seen my phone login PIN when looking over my shoulder (or such like.)


Um, other than the obvious, will someone please point out the difference? One KB will back up, the other they won't.


Is this fair contract law? I just don't know the answer to that one.



I'm banging my head against a wall trying to get through to them, I feel they are acting stupid so I give up, look at part of this message they sent me and see if it makes sense.



I feel writing to the banking ombudsman might be the way to go?




_David_



cokemaster
Exited
4849 posts

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  #3209846 23-Mar-2024 12:48
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TBH, I already have low expectations of Kiwibank, but when I see them trying to wriggle out of Visas or Mastercards zero liability policy, I really question whether you'd want to use them as a everyday bank.

 

Having had my credit card compromised before (which was blocked automatically by Westpac (in NZ) but not before $5000 was spent between Portland and various Southern American countries), I understand and appreciate those policies.





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mattwnz
19568 posts

Uber Geek


  #3209889 23-Mar-2024 15:32
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This is something Consumer NZ should be all over imo to get clear answers

k1w1k1d
1243 posts

Uber Geek


  #3209890 23-Mar-2024 15:51
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This doesn't seem to make sense to me?

 

Use of "their" in the first line instead of "there".

 

"policy's" instead of "policies"?

 

"... made on your physical can't without ..."

 

 

 


vexxxboy
4125 posts

Uber Geek


  #3209931 23-Mar-2024 18:12
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Inphinity:

 

Yes, it currently allows transactions up to $80 without unlocking the device. However, some phones allow you to set NFC use to require unlock, will we prevent any transactions while the phone is locked. Consider whether changing this impacts any other use cases you have for NFC.

 

 

 

https://support.google.com/wallet/answer/12059519

 

 

 

 

 

 

My son's Samsung S22 wont work with his phone locked, he tried it today after i said it would





Common sense is not as common as you think.


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