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Visa payWave* – Frequently Asked Questions

Back to Visa payWave

  1. What is Visa payWave?
  2. How does Visa payWave work?
  3. How is my card different from other cards?
  4. Why would I want to use Visa payWave?
  5. Is Visa payWave secure?
  6. Is there a limit for Visa payWave transactions?
  7. Could a signature or PIN still be required for Visa payWave purchases?
  8. How do I know if my card has the Visa payWave feature?
  9. How will transactions appear on my statements?
  10. What do I do if my card is lost or stolen?
  11. Can my card be charged by accident or multiple times?
  12. Where can I use my RBC Royal Bank Visa card with payWave?

1. What is Visa payWave?

Visa payWave is a new “contactless” feature included on most RBC Royal Bank Visa* cards for no added fee. It lets you pay for small purchases at Visa payWave–accepting locations without having to swipe or insert your card and in most instances a signature or PIN is not required.

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2. How does Visa payWave work?

In addition to a chip and a magnetic stripe for traditional transaction processing, your new RBC Royal Bank Visa card includes a small radio antenna. This antenna allows you to tap your card at Visa payWave readers to pay for small purchases – typically under $25.

Each merchant has its own maximum limits for Visa payWave transactions and a signature or PIN may still be required in some instances. In the event that your Visa payWave transaction cannot be completed, swipe or insert your card to complete the transaction with a signature or by entering your PIN.

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3. How is my card different from other cards?

In addition to a magnetic stripe and a microchip embedded on your card for traditional transaction processing, your RBC Royal Bank Visa card with payWave includes a small radio antenna. This antenna allows you to wave your card at Visa payWave readers to pay for small purchases – typically under $25. It´s fast, convenient and secure, and perfect for use at participating gas stations, grocery stores, fast-food restaurants, convenience stores, coffee shops and vending machines. Each merchant has its own limit for maximum transaction values using Visa payWave. In the event that your RBC Royal Bank Visa payWave transaction cannot be completed, swipe or insert your card to complete the transaction, as you do today, with a signature or PIN.

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4. Why would I want to use Visa payWave?

Visa payWave lets you wave hello to convenience and protection and goodbye to unnecessary delays. You no longer have to worry about the exact change or fumbling with coins so speeding through checkouts is a breeze. It´s ideal for small purchases like gas stations, grocery stores, coffee shops, fast food restaurants, convenience stores and vending machines. Plus you will always have a record of your transactions which is not always the case for small purchases traditionally made by cash.

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5. Is Visa payWave secure?

Your RBC Royal Bank Visa card with payWave features multiple layers of protection, including chip technology. You're always in control because the card does not leave your hand when you wave and pay with Visa payWave. In addition, you continue to be protected against fraudulent transactions under the Zero Liability policy, which means you are not liable for fraudulent charges provided you take reasonable precautions to protect your PIN and your card, as set out in your RBC Royal Bank Credit Card Agreement. Transactions also continue to be protected with Purchase Security and Extended Warranty Protection.

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6. Is there a limit for Visa payWave transactions?

Most Visa payWave transactions are limited to $25 however some merchants will allow larger transactions (a signature or PIN may be required). For example, transactions up to $100 are allowed at gas stations when you pay at the pump. In the event that your Visa payWave transaction cannot be completed, swipe or insert your card and complete the transaction with a signature or by entering your PIN.

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7. Could a signature or PIN still be required for Visa payWave purchases?

Yes. As each merchant has its own limit for maximum transaction values using Visa payWave, it is possible that a signature or PIN could be required for purchases if limits have been exceeded. Go ahead and sign the receipt or enter a PIN, as you do today, to complete the transaction.

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8. How do I know if my card has the Visa payWave feature?

RBC Royal Bank Visa cards containing the Visa payWave feature will have the following symbol on the front of the card.

RBC<sup>®</sup> Visa Infinite<sup>‡</sup> Avion<sup>®</sup> The following RBC Royal Bank Visa card products are currently set up with the Visa payWave feature:

All new cards being issued for these products now contain the feature. If you already have one of these cards, you will receive a card with the Visa payWave feature upon your current card's expiry. If your card qualifies and you would like the Visa payWave feature in advance, you may call us at 1-800-769-2512 to request a new card.

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9. How will transactions appear on my statements?

Transactions are authorized, processed and billed in the same secure way as all Visa transactions. Transactions will appear as a regular line item on your Visa statement.

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10. What do I do if my card is lost or stolen?

If you card is lost or stolen or if you suspect fraudulent activity on your card, contact us right away:

Within North America: 1-800-769-2512
Outside North America: 514-218-2929 (collect)

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11. Can my card be charged by accident or multiple times?

Your RBC Royal Bank Visa card must be placed very close to a Visa payWave reader to complete the transaction. Simply walking by a checkout that has a Visa payWave reader will not cause your card to be charged. In addition, if your card is waved in front of a reader more than once, you will only be billed once.

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12. Where can I use my RBC Royal Bank Visa card with payWave?

While you can use your card anywhere in the world where Visa is accepted, you have the convenience of using your card for Visa payWave purchases at participating gas stations, grocery stores, fast food restaurants, convenience stores, coffee shops and vending machines.

The list of stores and restaurants that accept Visa payWave is constantly growing. For the most up to date information, visit www.visa.ca/visapaywave (opens external website in new window).

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