Tap & Pay FAQs

Tap & Pay has three payment security settings that you can select for the active card:

• Pay Fast: There's no need to open an app to pay. Simply unlock and hold the back of your mobile banking device to the terminal to pay.
  
  
• Open App & Pay: For more control, first open the Mobile Banking app and then hold the back of your phone to the contactless terminal.
  
  
• Open App, Login & Pay: Or if you prefer, open the Mobile Banking app and login before holding the back your phone to the contactless terminal.

Please check the merchant's contactless terminal for confirmation that your payment was successful. The merchant should also provide you with a paper receipt.

Tap & Pay payments may not be successful for several reasons. Please contact St.George Bank on 1300 785 603 (within Australia) or +61 3 8536  7870 from overseas.

There are no payment limits specific to Tap & Pay. Your normal daily payment limit(s) apply. You can use Tap & Pay for payments just as you would use your plastic card(s).

For payments of $100 or more, or above the limit set by the merchant at the contactless terminal, you will be required to enter your card PIN at the terminal.

Yes, you can use your mobile banking device to process a refund just as you would with your physical credit or debit card. Simply unlock and hold the back of your mobile banking device near the merchant's contactless terminal and enter your PIN for the refund to be processed.

You can switch-off Tap & Pay payments in your phone’s Near Field Communication (NFC) settings at any time. To disable or remove a card(s) from Tap & Pay please contact BankSA on 1300 785 603 (within Australia) or +61 3 8536  7870 from overseas.

Security is a priority for BankSA. There are several security measures to ensure paying with Tap & Pay is safe and secure.

All payments are backed by our Fraud Money Back Guarantee which reimburses cardholders for unauthorised transactions where the cardholder has not contributed to the loss and has notified us promptly of the transactions subject to the Internet and Phone Banking Terms and Conditions.

Our fraud monitoring team monitor payments transactions 24/7 and will contact you should they identify anything suspicious on your account.

No. You will not be able to make Tap & Pay payments if your phone has Near Field Communication (NFC) turned off. Turning off NFC will not affect your ability to access and use any other Mobile Banking app features.

If you lose your phone or suspect it has been lost or stolen, contact BankSA Card Services on 1300 555 203 (within Australia) or +61 3 8536  7870 from overseas to arrange for the card(s) on your phone to be cancelled/blocked.

To report suspected fraud contact BankSA Card Services on 1300 555 203 (within Australia) or+612 9553 5333 from overseas. To dispute a transaction you should follow the standard procedures. For more information visit the Dispute a credit card transaction page.

If you delete the Mobile Banking app , the Tap & Pay card(s) set up will remain on your phone. To request card(s) to be closed, contact BankSA Card Services on 1300 555 203 (within Australia) or +61 3 8536  7870 from overseas.

Occasionally you may find that you can't Tap & Pay at certain contactless terminals. This may be due to the type of terminal, specifically terminals that authorises payments offline. Offline contactless terminals may be found in vending machines, parking meters, cruise ships, etc.

Offline terminals do not connect with Visa, Mastercard®, and our networks. Instead, they capture your account information and process the payment at a later time. This means that offline terminals can't process Tap & Pay payments. If you are unsuccessful in making a Tap & Pay payment, make the payment with your plastic card instead.

As Near Field Communication (NFC) does not require data/network connectivity, you don't need data/network connectivity to make Tap & Pay payments.

However, if your Tap & Pay payment security setting is 'Open app, Login & Pay' you will need data/network connectivity to login to the Mobile Banking app. Normal data charges will apply.

No, your phone must be turned on to complete Tap & Pay payments.

If you have questions related to your Samsung phone, please contact Samsung Support or visit a Samsung Store.

Any changes made to your plastic card(s) will also apply to the card(s) set up in Tap & Pay. As an example, if you report your plastic card lost or stolen, your Tap & Pay card(s) will also be blocked. From 7 December 2018, if your card is reported lost or stolen you will not be able to add your re-issued card to Tap & Pay.

No. NFC technology doesn't require network connectivity to operate, so you don't need to have internet data allowance on your mobile banking device to make a payment.

If you have other mobile wallet(s) on your phone you will need to choose a default wallet.

When setting up Tap & Pay in the your Mobile Banking app you will be asked to choose Tap & Pay as the default wallet in your phone’s Near Field Communication (NFC) settings.

This means your Tap & Pay cards will be used if you make payments. To change your default wallet in future, update your NFC settings and select your preferred default wallet provider.