Visa Debit Card

Visa payWave is a secure, contactless technology that will help you spend less time at the register and give you the freedom to do the things that matter most to you.

It’s easy and convenient

For transactions under $100, just wave your Visa payWave enabled card in front of a contactless reader and go – there’s no need for a signature or pin.

If your transaction is over $100 you can still use Visa payWave, you’ll simply be asked to verify the transaction with your PIN. (Daily limit $1,000).

Visa payWave is designed to offer cardholders speed and convenience whilst providing all the same layers of security as any other Visa chip card, including Visa’s Zero Liability Policy *.

Where can I use Visa PayWave?

Visa payWave is accepted at Australia’s leading retailers, including any merchant displaying the Visa payWave symbol on their terminal reader.

*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.

Keep your money safe and secure

Using your Capricornian Visa Debit is a safe and reliable way to pay for whatever you want to buy.

Visa has developed a number of tools and services to allow fraud to be managed effectively including the Visa Secure program (see below for more information) and Visa’s Zero Liability Policy* with Visa Debit. That means you have protection from any unauthorised charges, so you can shop online with complete peace of mind.

When using your Visa Debit to buy in-store, all you need to do is press ‘credit’. You’ll still be accessing your own money; the only difference is that you’ll be protected by Visa’s Zero Liability Policy*.

Protect your card and PIN:

• When you first receive your new card, sign it immediately
• If the card is a replacement, cut up your old card
• Don’t choose a number that’s easy for someone to guess
• Always cover your PIN when using ATM and eftpos machine
• If you believe an ATM has been tampered with, do not use it
• Be alert for anyone trying to observe you entering your PIN
• When shopping online, only deal with reputable companies, and check for the padlock symbol and https:// address
• If you are going overseas, advise us before you travel so that we can monitor any overseas transactions

*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 is Visa Secure?

Visa Secure provides added security to ensure that only you can use your Visa card to make purchases online.

You’re already protected.

All Visa cards are automatically registered for this free service. Visa Secure is being offered by a growing number of online merchants throughout the world – currently more then 200,000 stores worldwide. Look for the Visa Secure symbol as a sign that these merchants value both your business and your privacy.

How does it work?

Each time you make an online purchase with a participating merchant, the Visa Secure program assesses the risk level of the transaction. Certain activity may seem out of the ordinary – maybe because it’s a high dollar value transaction, or a retailer you’ve never bought with before. In these instances you may be asked to confirm some simple personal details so we can be sure the card isn’t being used without your permission.

How do I use Visa Secure when I shop online?

You’ll find all the details on how to use Visa Secure when shopping online at the Visa Secure online shopping demo. To view this, you must have Adobe Flash Player installed.

Do I need any special equipment or software on my computer?

You can use Visa Secure on any computer that has an internet connection and browser such as Internet Explorer. Most web browsers are compatible with Visa Secure.

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 there is any concern a transaction may be fraudulent, it will prompt you to confirm your identity, and you will be requested to enter some personal details unique to your account with The Capricornian Ltd If the transaction is considered high risk, you may be required to confirm several details before the transaction is approved.

The easier way to pay online, from the company you know and trust.

Visa has made it easier to pay with your card online. Simply create an account once and speed through checkout without having to re-enter payment or shipping information wherever you see Visa Checkout.

• Use any of your preferred major Credit or Debit cards including your Capricornian Visa Debit Card.
• Shop with confidence as Visa protects your account with advanced security tools.
• Look for the Visa Checkout button when you pay online.