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Visa Debit Card
With worldwide Visa acceptance, our Visa Debit Card is a great method for your everyday purchases, online shopping, travelling overseas, paying bills and more.
A People's Choice Visa Debit card allows you to make purchases and cash withdrawals that are directly deducted from your transaction account, so there's no interest charges, unless you're using our overdraft option.
Our Visa Debit Card has the latest in security measures such as microchips, payWave, a free fraud protection service and Verified by Visa for online purchases. Our cards are designed to be more accessible, including tactile and high contrast features, notches and easy to read print. Check out our FAQs, below, for more information on these.
You can also pay using just your mobile phone. Find out more about Mobile wallet payments and experience the ease of Tap and Pay.
Exclusive perks
Exclusive to Visa cardholders is the new digital wallet service, Visa Checkout – a secure and flexible way to conveniently pay online.
Additionally, Visa cardholders get access to a range of exclusive perks and offers, including pre-sale tickets for some of the biggest concerts and live events.
FAQs
Visa Secure
How much do Visa Secure and Eftpos Secure cost?
This additional security benefit is provided to you free of charge.Can I use Visa Secure and Eftpos Secure from any computer?
Yes, you can use Visa Secure and Eftpos Secure from any mobile device or computer connected to the internet, with a compatible browser.Can I request that all transactions I make online go through the Visa Secure service?
No. Only merchants and retailers that have signed up to the Visa Secure service will have this security facility on online transactions.Can I use Visa Secure and Eftpos Secure if I have a joint account?
Yes. Both joint owners of the account should have their own card issued, and you should be using the card that is in your name when performing online purchases. When using your card to perform an online transaction through a participating Visa Secure and Eftpos Secure merchant, you may be required to enter in a One Time Password which will be sent to your mobile phone number you have registered with People's Choice to complete the transaction.Will my account be billed for Visa Secure and Eftpos Secure purchases?
Your Visa Secure and Eftpos Secure purchases will appear as normal purchases on your statement, under the name of the 'merchant' - that is, the company from which you made your purchase.
How do Visa Secure and Eftpos Secure work?
As you make a purchase online, Visa Secure and Eftpos Secure assesses the risk of the transaction based on several factors. In some instances, you may be asked to enter a One Time Password which will be sent to your mobile phone number registered with People's Choice so the card isn't used without your permission.What are the Visa Secure and Eftpos Secure services?
Visa Secure and Eftpos Secure are services designed to ensure you are protected while shopping online with your Visa card.Will I need to apply for a new card to use Visa Secure and Eftpos Secure?
No. We will register your card for Visa Secure and Eftpos Secure on your behalf, so you'll automatically be protected.Why would I be asked to confirm personal details and is this safe?
Each time you make an online purchase, Visa Secure assesses the risk level of the transaction – certain activity may seem out of the ordinary, maybe because it’s a high dollar value, or a retailer you’ve never bought with before. If People’s Choice is concerned a transaction may be fraudulent, you will be prompted to confirm your identity, and you will be requested to enter some personal details unique to your account with us. This information is used only to verify your identity, and is not stored by Visa Secure, nor is it passed to anyone including the online merchant.Will I require a username and password for the Visa Secure and Eftpos Secure Service?
Protection the Visa Secure and Eftpos Secure way is simple because you don’t have to remember usernames and passwords – you will be automatically registered and protected. If your Visa card is new, People’s Choice will register the card before we issue it to you. With existing Visa cards, People’s Choice will take care of registering it as part of the Visa Secure and Eftpos Secure service.What are Visa Secure and Eftpos Secure?
Visa Secure is the re-branded version of Verified by Visa. Eftpos Secure is a new service provided by EFTPOS. Visa Secure and Eftpos Secure are services that automatically send a One Time Password to your mobile phone, to authenticate the purchaser and protect your card against unauthorised use.
Visa payWave
What is Visa payWave?
Visa payWave is a globally accepted, contactless payment solution. It allows Visa cardholders to complete transactions under $100 without having to swipe or insert the card. You simply wave the Visa card in front of the contactless terminal and go. No need to enter a PIN or sign for the transaction. It’s that simple.Can I still use my People's Choice Visa Card at merchants that do not have contactless terminals?
Yes. The card can still be used the traditional way at non-contactless terminals as it still has a chip and magnetic stripe, by either swiping or inserting the card and entering a PIN or signing you can complete the transaction. You can still choose to use your PIN or sign for transactions less than $100 if you prefer not to use the payWave functionality if the merchant facility still allows transactions to be made in this way.Are there still fees for using payWave?
There are no fees for setting up or using the payWave feature on your card. However standard fees and charges may apply to our cards or card related transactions. For more information, please refer to our Fees and Charges document.Are Visa payWave transactions safe?
Yes, they are Visa payWave is safe:
- You are in control - your contactless card never leaves your hands to make a payment
- No accidental payments - your contactless card must be extremely close to the reader at the checkout to work
- Customers won't be double-charged for the same transaction even if the card touches the reader more than once.
- The maximum reach of 4cm means that you can't unknowingly pay for another person's purchase
- It is virtually impossible for any of your Visa card details to be intercepted while in use. Each payWave card reader contains security based on industry-wide standard.- You're covered by Visa's Zero Liability policy* so you won't be held for fraudulent charges or unauthorised purchases.
*VISA's Zero Liability policy covers Australian and New Zealand issued cards and does not apply to ATM transactions, transactions not processed by VISA or certain commercial card transactions. Cardholders should notify their issuer promptly of any unauthorised VISA use. Please consult your issuer for additional details. Additional VISA charges may apply. Please contact your financial institution for further details.
What are the benefits of using Visa payWave?
It's like having exact change wherever you go, so you don't have to worry about carrying a lot of cash or looking for change.
Contactless payments are a form of innovative payment technology that makes small payments as easy as tapping your card.
Your Visa payWave card never leaves your hand at the checkout and eliminates the risk of card skimming as there is no need to enter the card into a card reading device.
You can keep track of all transactions made using your Visa payWave card by checking your statement or Internet Banking transaction record, instead of keeping piles of receipts for your small purchases made with cash. It’s a fast and convenient payment method, especially at places where speed is essential, like at supermarkets, fast food restaurants, convenience stores and more.How do I know only one Visa payWave transaction has been processed when I wave my Visa payWave card?
All Visa payWave readers are tested and certified to make sure a card is only read once per transaction. As a safeguard, each transaction must be complete or void before another one can take place.What do you need to be able to use Visa payWave?
All you need is a Visa card with the payWave feature. People's Choice Credit Union offers members a credit or debit Visa card with the payWave feature. To find out if your card has contactless technology, it will have the payWave logo on the front.
If you do not currently have a card with contactless technology, when your current card expires or is re-issued if reported as lost or stolen, the replacement card you receive will have contactless technology.Can I still use payWave?
Yes. In Australia, where that facility is enabled you can still ‘tap’ your Visa payWave enabled credit or debit card on a contactless enabled terminal or touchpad to initiate the payment side of the transaction. When payWave is used for any transaction under the value of $100 there is no need for you to enter a PIN. From 1 August 2014, for transactions greater than $100 you will be asked to enter a PIN.
Visa Checkout
How do I register for Visa Checkout?
People's Choice Credit Union members can register for Visa Checkout by logging in to Internet Banking, clicking on the 'Apply' tab, navigating to 'Visa Checkout' and following the instructions.
For more information about Visa Checkout and customer support enquiries please visit the Visa Checkout website.What is Visa Checkout?
Visa Checkout is a streamlined, secure and flexible way to conveniently shop at your computer or on the go.
Streamlined – save time and effort. No need to re-enter your card number or shipping preferences again
Secure – pay with confidence. Visa Checkout combines secure technology and valuable features with reliable customer service
Flexible – Visa Checkout lets you use any major credit or debit card through a single service
For more information about Visa Checkout and customer support enquiries please visit the Visa Checkout website.