Closeup of a woman using Visa Paywave

Convenience and security 

With Visa payWave, you don’t even need to enter your PIN number to pay. Since you keep hold of your device throughout,  there is lower risk of fraud than with traditional swipe technology.  

Generic Visa Card with Chip

Visa Card

Alongside the convenience of Visa payWave technology, the card also includes a magnetic stripe for traditional payments. 

Phone with Visa Paywave icon on it

Visa payWave for mobile 

You don’t need your card to use payWave on your mobile phone.  Eligible devices allow you to wave and pay with just the payWave app.  

Get in touch with your financial institution to see if Visa payWave is an option for you.  

You can use Visa payWave at any merchant displaying the Visa payWave symbol on the terminal readers. 

Your financial institution should disclose any applicable fees during the application process.   

Visa payWave transactions are just as secure as magnetic stripe transactions and are processed through the same reliable payment network. And, because you remain in control of your payment device during Visa payWave transactions, the risk of fraud is reduced.  

To authorize a payment, you must wave your card or Visa Micro Tag directly within 1 to 2 inches of a secure reader that accepts Visa payWave payments. It also has to be correctly oriented for the transaction to go through. Only readers at authorized merchants can process the information on the Visa Micro Tag and Visa cards with Visa payWave.

The Visa payWave feature provides cardholders the same protections as standard Visa cards. You'll enjoy the peace of mind that comes from multiple layers of Visa security, including Zero Liability, which protects you from fraudulent use of your card or account information.

Visa's Zero Liability Policy covers U.S. - issued cards and does not apply to certain commercial card transactions or any transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer. 

The Visa Micro Tag is Visa’s first payment device designed exclusively for Visa payWave payments.  It is far smaller than a traditional card - small enough to hang on your key ring.  Shortwave radio technology is embedded inside a durable key fob, so that it’s even easier to get to your payment device.   

No. Visa payWave is an added feature that financial institutions may offer to their Visa cardholders. 

Visa payWave is a form of chip card technology.  Like chip cards, it uses an advanced computer chip embedded in the card's plastic to perform secure transactions.  

 First, make sure that the merchant accepts payWave - you should see the payWave symbol on the payment terminal. If the merchant accepts payWave and the transaction still fails, Visa card and Mini Card users can swipe to pay, since both of these devices have magnetic stripe functionality in addition to payWave.  

tapping card

Wave goodbye to the swipe

Learn how contactless payments like Visa payWave are changing the way we pay.

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