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Add your NOVA ALLIANCE BANK Visa debit or credit card to Apple Pay, Google Pay or Samsung Pay and start paying using your smartphone or other device now.
Digital Pays
NOVA Alliance Bank Visa debit and credit cards can now be added to digital pay solutions Apple Pay, Google PayTM and Samsung Pay. Use the tabs below to find out how to add cards and transact depending on the device you’re using.
Using Apple Pay is simple and it works with the devices you use every day. Your card information is secure because it isn’t stored on your device or shared when you pay. Paying in stores, apps and on the web has never been easier, safer, or more private.
Adding a card
- open the Wallet App
- tap the plus (+) sign in the upper-right corner, follow the prompts
- add the card details by either:
– entering the card’s security code to add the credit or debit card you use with iTunes7
– using the camera to capture the card information
– typing the card details in manually - follow the remaining prompts which will include a verification check (choose from a One-Time Password sent to a mobile phone or email or phone the card verification line as indicated)
OR
- open the NOVA Alliance Bank App
- tap the menu option on the top left and then select ‘cards’
- bring the card you want to add to your Wallet App into focus, tap ‘Add to Apple Wallet’ and follow the prompts
Changing the default payment network
When you add your NOVA Alliance Bank Visa Debit card to Apple Pay, the card will be defaulted to the Visa network for payments with Apple Pay (to minimise fees, Members are encouraged to maintain the default option of Visa). To change the payment network:
On iPhone
- open the Wallet app
- tap on your NOVA Alliance Bank Visa Debit card
- tap the
symbol and choose the network - you can also change the payment network prior to tapping your device. Simply, authenticate, choose network on screen, then tap device for payment
On Apple Watch
- double-click the side button and select your NOVA Alliance Bank Visa Debit card
- firmly press the display and choose the network
Making a payment in store with an iPhone
- to use your default card, double-click the side button or the home button (depending on device), then glance at your iPhone to authenticate with Face ID, enter your device passcode OR rest your finger on Touch ID (dependent on the second-level security being used on the device)
- hold the top of your iPhone within a few centimetres of the contactless reader until you see Done and a tick on the display
Making a payment in store with an Apple Watch
- to use your default card, double-click the side button and hold the display of your Apple Watch within a few centimetres of the contactless reader.
- wait until you feel a gentle tap
When you strap your Apple Watch to your wrist you will be prompted to enter the device passcode. This will enable Apple Pay. If the Apple Watch is removed from your wrist, so skin contact is lost, Wrist Detect detects that skin contact has been lost and Apple Pay and the NFC feature are deactivated.
Learn more on how to use Apple Pay.
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More about Apple Pay
- You can make a payment within an App or participating website if you can see the Apple Pay icon during checkout. Enter your billing, shipping and contact information (you should only have to do this once as Apple Pay will store that information). If you want to pay with a different card, tap > next to your card. When you are ready, make the purchase by completing the device’s second-level security (Passcode etc.) and once the payment information sends successfully, you’ll see ‘Done’ and a checkmark on the screen.
- You can make a payment on a website using a Mac but the Mac needs to be signed into the same iCloud account as the iPhone and have Bluetooth enabled on your Mac. Follow the prompts.
- You can view the last 10 transactions made using Apple Pay on that device within the Wallet App.
- Your card details are not stored on the device or in the Cloud. Instead, when a card is added to Apple Pay, a Device Account Number replaces the need for the card number. This Device Account Number is used to make secure purchases in stores and within apps and websites. It will not work if it is compromised in any way and cannot be used outside of the device it is assigend to. The Device Account Number can be found by opening the Wallet App and tapping the (i) symbol on the bottom right corner and then scrolling down to find the Device Account Number.
- A single card can be added to Apple Pay on up to nine different devices but the card will need to be added to each device separately.
- Up to eight cards can be added to Apple Pay on a single device. The first card added to the device becomes the default card but you can change the default card.
- Find out what devices are compatible with Apple Pay.
Adding a card
- download the Google Pay App from the Google Play Store
- open the Google Pay App
- go to Payment and add a payment method
- either take a photo of the physical card or enter the card details manually
- follow the remaining prompts which will include a verification check (choose from a One-Time Password to a mobile phone or email or phone the card verification line as indicated)
Making a payment in store
- simply wake your device – there’s no need to launch the App or authenticate
- hold the device near the POS terminal when the merchant requests the payment
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More about Google Pay
Adding a card
- open the Samsung Pay App and sign in using your Samsung ID
- register your fingerprint and device Passcode that you’ll use to authorise payments (if you have a Galaxy S8 or Galaxy S8+ or later you can also scan your irises to authenticate)
- either take a photo of the physical card or enter the card details manually and provide your signature when prompted
- follow the remaining prompts which will include a verification check (choose from a One-Time Password sent to a mobile phone or email or phone the card verification line as indicated)
Making a payment in store
- swipe-up from the home button or open the Samsung Pay App
- bring the card into focus that you want to use for the payment
- you will need to authenticate depending on the second-level security being used on the device (Passcode, fingerprint or iris recognition)
- hold the device near the POS terminal when the merchant requests the payment
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More about Samsung Pay
Fraud monitoring
Digital pay transactions are protected by our 24/7 fraud monitoring service.
New Payments Platform
Are you using the NPP to send and receive instant payments?
Credit Card
Our low rate, low fee credit card with interest free period provides access to extra funds should you need it.
Digital pay FAQs
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What NOVA Alliance Bank cards can be used for digital payments?
The Visa debit and Visa credit cards can be added to the digital wallet solutions. The rediCARD cannot be used as it does not have contactless functionality.
Are these digital payments secure?
The actual debit or credit card numbers are not stored on your phone or device, so your card details are safe. Additional information on security measures can be found in the specific ‘More about’ expand areas for each of the digital pay solutions.
Does it cost anything to use digital payments?
No. These are treated as contactless Visa transactions and go through the credit network – refer to the NOVA Alliance Bank Schedule of Fees and Charges for details. Keep in mind some retailers may apply a Visa credit surcharge to purchases and this applies to digital payments. In addition, retailers now have the option to push contactless payments through as EFTPOS transactions (SAV) so this may impact fees you are charged. You require an active data plan or Wi-fi connection to add a card to a digital wallet and based upon your mobile plan and network, additional message and/or data charges may apply.
Why are the mobile phone or email details used to verify a new card not the same as the details registered with NOVA ALLIANCE BANK?
The digital pay solutions use the same details linked to your device (so for instance, on an iPhone the device uses the same details linked to the App Store).
I'm trying to add a brand new card to a digital wallet but I only get one option to authenticate the card and that's to phone the card veritifcation line - why?
This is generally because you have not transacted on the card yet. If you transact using the physical card first you should then see all three verification options (OTP to SMS or email or the card verification line) and if your only option is the card verification line, conducting a transaction will help as they will ask details of the last transaction on the card to then authenticate the card to add to your digital wallet.
The POS terminal in store is not accepting payment from my device - why?
The POS terminal must be equipped to process contactless transactions. Some device cases can also interfere with the transmitting of the necessary information – try turning the phone over so the phone screen is closest to the POS terminal or you may need to remove the device from the case. In addition, once you authenticate to process a digital payment, some devices will give you a certain timeframe to complete the transaction – if this time passes the device will stop transmitting the necessary information. In this case, you should repeat the process.
What is the transaction limit with digital payments?
As digital payments are processed as contactless (payWave) transactions, the transaction limit is under $100. For transactions over $100 you might be asked to enter your card PIN into the POS terminal.
I made a digital payment for over $100 and it did not ask for my PIN - why?
Certain POS terminals recognise a biometrics authentication such as fingerprint or Face ID on an iPhone to authorise a transaction and therefore do not require additional verification such as the PIN.
How will digital pay transactions appear on my statements?
Transactions will appear as standard Visa transactions. It is not possible to show if a transaction was made using a digital pay solution, contactless card or chip and PIN.
I'm seeing a 'Visa Provisioning Service' transaction on my account - what is this?
If you see a pending transaction for $0.00 with the description ‘Visa Provisioning Service (USD)’ on the account your NOVA Alliance Bank card is linked to (the same card that you’ve just added to a digital wallet), this is part of the authentication process and there is no need to be alarmed. It will disappear after a few days. Of course, if you have any concerns about any transactions on any of your accounts, phone us on (02) 4926 1428 immediately.
Can refunds be processed to cards in digital wallets?
Some merchants will be able to process refunds back onto cards within digital wallets. If they can, you simply bring the card into focus that you want the refund processed to and then authenticate (if required) and then hold the phone to the POS terminal. Some merchants may need to process the refund using the physical card and a more traditional transaction.
I've just received a renewal card - will I need to update the card details in my digital wallet?
No, the renewal card will automatically replace the existing linked card in your digital wallet.
What should I do if my card is lost or stolen?
If you feel you’ve misplaced a physical card but it’s in a secure environment and you are confident of finding it, you can use the NOVA Alliance Bank App to temporarily lock the card. This will also stop the card from working in a digital wallet. Once you’ve found the card, simply unlock and start using it again. If the card is permanently lost or stolen, you should immediately either use the NOVA Alliance Bank App to report the card lost or stolen or phone us on (02) 4926 1428.
What should I do if my device is lost or stolen?
If your device is lost or stolen, if available you can use the Find My Mobile service to remotely lock or wipe your device (also locking or wiping the digital wallet and all the payment cards registered in it). You can also contact NOVA ALLIANCE BANK to cancel linked card(s) as this will also cancel them within the digital pay environment.
Can I add, remove and manage cards myself in the digital wallets?
Yes. Within the digital wallet App, you can add and remove cards yourself. If you report a card lost or stolen, you may need to remove the cancelled card depending on the digital pay solution you use. Keep in mind you can also add loyalty cards to your digital wallet for convenience but there are limits on the number of cards that can be stored in your digital wallet.
Related information:
Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.
