FAQs
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Vault Payments delivers a pre-paid digital Mastercard to your mobile phone. You can make purchases in-store using the mobile’s “tap and go” function as well as online.
Vault Payments is delivered to you by The Vault Payment Solutions Group.
For Vault Payments corporate enquiries, click here.
You can use your card in-store at contactless point of sale terminals (look for the Contactless, Google Pay, Apple Pay or Samsung Pay logo), or you can use your card online. Please refer to FAQs:
You can set your own pin number within the Vault Payment application. Simply login to the app, click the settings icon on the top right corner, click ‘Manage Pin’ and follow the prompts.
No. You can use your Vault Payments card without a pin number for purchases under $100. For purchases over $100, you will need a pin number.
For security reasons, a screen lock measure such as a PIN is required to use Apple Pay, Google Pay or Samsung Pay.
You have already activated the card in the Vault Payment app. To use the card for purchases, you now need to add it to your Google Pay, Apple Pay or Samsung Pay wallet. Please follow the steps outlined in the “How do I add my Vault Payments card to my device wallet?” FAQ.
Please Contact Us and we can re-send the SMS.
Please Contact Us and our team will investigate.
Yes. If your phone is paired with an Apple Watch, you can use the "Add card to wallet" feature in the Vault Payments app to add your card to the wallet on your watch, the wallet on your phone, or both.
Vault Payments is supported on:
- Apple iPhones and Apple Watches running iOS version 9 (and later)
- Android phones running Android API version 16 "Jelly Bean" (and later)
Vault Payments is not supported on iPads or other tablet devices.
To use Vault Payments for in-store payments, the device must support NFC (Near-Field Communication).
You can only use your Vault Payments card in store at contactless point of sale terminals (look for the Contactless, Google Pay, Apple Pay or Samsung Pay logo).
Otherwise you can use your card online. Please refer to the FAQ "How do I use my Vault Payments card for online purchases?" for assistance in using your card online.
No, you cannot. These cards are prepaid Mastercards and cannot be used to withdraw cash.
The Vault Payments card can be used overseas at contactless point of sale terminals (look for the Contactless, Apple Pay, Google Pay or Samsung Pay logo) at participating vendors, or for online purchases. International transactions are subject to a fee of 2.99%
Please open the Vault Payments app; the balance and transaction history will both be listed.
Your username is simply the mobile number that your activation code was sent to. You would have entered a password the first time you logged in. If you have forgotten it, you can use the Reset Password feature in the app.
When contacting Vault Payments customer support, you may be asked for your card EAID. You can find your card EAID (which securely identifies your card) in the Vault Payments app. View your card in the app, open the Settings menu at top right, and select Help & Support to see your card EAID.
Download the Vault Payments app on your new phone. Log in with your Vault Payments username (mobile number) and password, and you'll be able to see your card.
You'll also see your card in your mobile wallet if you're using the same Apple/Google/Samsung account on your new phone, or you can add the card to your new phone's wallet (follow the steps outlined in the "How do I add my Vault Payments card to my device wallet?".
Please refer to your Pay provider’s FAQ’s:
Please also refer to the FAQ: “I’m getting a new phone. How do I transfer my card?”.
Download the Vault Payments app on your new phone, log in with your Vault Payments username (mobile number) and password, and you'll be able to see your card.
You'll also see your card in your mobile wallet if you're using the same Apple/Google/Samsung account on your new phone, or you can add the card to your new phone's wallet (follow the steps outlined in the "How do I add my Vault Payments card to my device wallet?".
To use your card in store you will need a functioning RFID chip so you can make contactless payments. However, you can use your card online still. Just follow the steps outlined in "How do I use my Vault Payments card for online purchases?"
To use your card in store you will need a phone that supports NFC (Near-Field Communication), so that you can make contactless payments.
However, you can use your card for online purchases without NFC; just follow the steps outlined in "How do I use my Vault Payments card for online purchases?"
No, your Vault Payments card is linked to your mobile number and is not transferable.
Yes, you can! You will just need to follow the steps outlined in the "How do I add my Vault Payments card to my device wallet?" to add your Vault Payments card to a new wallet.
You can view your card’s expiry date by visiting the Vault Payments app.
When making in-store payments of $100 or more, you may be required to provide a card PIN.
So if you have a Vault Payments card valued at $100 or more, you may wish to set a PIN for your card.
To set a card PIN, view your card in the app, open the Settings menu at top right, and select Manage PIN. You will be prompted for your details including your date of birth.
The maximum amount per transaction is $2,000. There is also a limit of 20 transactions per day.
Your personal information is stored securely and used to issue and operate your card and process transactions. Your personal information may be disclosed to third parties when required by law and where necessary or related to the delivery of card services. Please refer to our privacy policy here.
You can pay at any merchant where contactless payments are accepted. Simply look for the contactless symbol or Google Pay mark.
You can make in-app payments at participating merchants.
To get started using Google Pay, follow these steps:
Look for the Google Pay app on your phone. It's preloaded on most Android phones and Wear OS watches, but you can also simply download it from Google Play.
Open the Google Pay app and add a credit or debit card within Cards tab.
If it's your first time using the app, tap Get Started, then select a payment method to add, and take a photo of your card or enter your information.
Google will then verify you via SMS or email authentication.
Simply unlock your phone and tap to use Google Pay at any contactless payment terminal.
Your device must be NFC capable and running Android operating system Kit Kat 4.4 or higher. Check your settings on your device or visit Google Pay.
To do in-store purchases with Google Pay, follow these steps:
- Look for the Google Pay symbol or contactless payment symbol at a contactless payment terminal near checkout.
- Unlock your phone or launch Google Pay on your Wear OS watch.
- Hold your phone or watch over the terminal and wait until you see a checkmark or hear the beep confirming the transaction.
When Google first unveiled Google Pay, it said you would be able to pay for goods by simply unlocking your Android phone like you normally do (which also enables Google Pay to authenticate your transaction), then placing it near a merchant's contactless terminal, and that's it. For purchases above $100, you'll need to put in your authentication. You don't even need to open an app to process a payment. It just lets you tap and go, and then you receive the confirmation/transaction details on your phone.
Check out more on the Google Pay website.
Samsung Pay is a secure and easy-to-use mobile payment service which is designed to make purchases almost everywhere.
It enables the use of credit cards from participating financial institutions and loyalty cards from participating merchants. To help make mobile payments and scanning loyalty cards more accessible to merchants and customers, Samsung has included Near Field Communication (NFC)*, Magnetic Secure Transmission (MST)†, and MoBeam technologies.
Samsung Pay enables users to make in-store contactless payments using a compatible Samsung device. Samsung Pay’s main feature is its NFC payments capability.
Samsung Pay uses Near Field Communication (NFC) to make contactless mobile payments. NFC helps enable compatible Samsung devices* to make secure transactions.
Visit www.samsung.com/au/apps/samsungpay/#compatibility for full list of eligible devices.
Samsung Gear S2, Galaxy S6, Galaxy S6 edge will only support NFC technology for transactions with Samsung Pay.
Due to Samsung’s advance proprietary technology Magnetic Secure Transaction (MST), Samsung Pay can be used almost everywhere around the globe. Please check your card issuer’s policies for transactions in foreign countries. If you can use your physical card in the country you are travelling to, you should be able to use Samsung Pay to make a payment.
Samsung Pay offers a simple and convenient payment experience that doesn’t require searching through your wallet or purse. Additionally, Samsung Pay adds a level of security to your payment information that physical cards don’t have. Your credit or debit card number will never be saved on your device. When you make a payment with Samsung Pay, only a token and a cryptogram that is only valid for that particular payment are transmitted to the card reader.
Samsung Pay is compatible with a number of Australian Banks. For the full list please click here. You can register to receive an update when additional compatible networks and banks become available to Samsung Pay at the link provided.