Easy ways to pay

The times of inserting a card into the payment terminal followed by a 4-digit pin are over. Nowadays for small purchases all you have to do is tap-and-go.

The ability to make contactless payments for small transactions, enable customers to make day-to-day purchases quickly and safely. While virtual card technology may no longer be groundbreaking, there are a number of innovative payment systems landing. Alternate ways to pay that fulfill customer demands for convenience and speed are rapidly becoming mainstream. With so many easy ways to pay and a shift to tap-and-go payments, a lot of people no longer carry cash and by 2025 most people in the majority of countries are expected to have a virtual wallet on their phone.

Raise your hand if you have a fitness tracker? You’re not alone. Wearable technology is expanding along with mobile innovation and is expected to have a market share of 30% by the year 2020 (that’s only 2 more years!). With fitness trackers set to partner with MasterCard and Visa in the near future, payments via wearables will be on the rise as well.

Whether you prefer to pay for your morning coffee or your lunch with your card or your watch, there’s an option for everyone. Not sure what you prefer? Check out the list we’ve put together of easy ways to buy things hitting the market right now. Who knows, with Augmented Reality (AR) being worked into shopping experiences, maybe we’ll be making AR-integrated payments soon!

The Mobile Wallet

Your wallet in your phone. If you forget your wallet and need some petrol or a bottle of water at the gym this is perfect. So if you’re still paying by card, you may like to give paying with your mobile device a go. Using Near Field Communication (NFC) capability, your device is able to securely and wirelessly connect to other devices. All you have to do is download a mobile payment app and load your current card of choice, then simply open the app and tap your phone in front of the contactless terminal.

Four years ago, Apple was the only major mobile wallet on the market until Google and Samsung joined the market a year later in 2015. Mobile wallets have taken off with in-store mobile payment volumes expected to grow from $75 billion in 2015 to $503 billion in 2020.
Some of the mobile payment apps that allow you to make payments on the move are listed below. Be sure to check if your device is compatible.

Apple pay

Making payments in style

While most wearable technologies are designed for fitness fiends or Apple enthusiasts, the latest item in wearable tech brings a whole lot of excitement for the rest of the market. Introducing Australia’s first payment ring! Yep you read correctly, you can now get accessories that allow you to tap-and-go at contactless terminals.

One of the best bits is its one of the cheapest wearables available at the moment for just $39 and did we mention that you don’t need any software, batteries or a phone to make it work? Check out the features below:

  • Contactless payments
  • Water resistant up to 50m
  • Secure and backed by 24/7 Mastercard fraud protection.
  • No charging required
  • No software or app needed
  • Made to fit for everyone – you’ll get a sizing kit prior to purchase
  • Available in both black and white

The Halo Ring is currently only available those banking with Bankwest but there’s no doubt that as these take off other banks will follow. This ones still new so you may get some funny looks from the cashiers, all you have to do is:

  • Get an eligible Bankwest account.
  • Order a free sizing kit to determine your ring size.
  • Order your ring!

Coffee purchased on the run with Bankwest Halo

Time to Pay

Watches used to be just for telling time? Who knew! Now you can run your entire day from the little timepiece on your wrist, you don’t even have to have your phone on you! The Apple Watch syncs with your other Apple devices so if you have Apple Pay set up you can use it to pay within apps when the option is listed or you can just wave your wrist past the contactless terminal in store. If you have an Apple Watch here’s how you can pay in no time at all:

  • Set up your default card in your Apple Pay account. You can check out the participating banks here.
  • To bring up this card on your watch, double-click the side button.
  • Hold the display of your watch a few centimeters from the contactless terminal.
  • That’s it – you’re all paid up.

Likewise, the VivoActive 3 and Forerunner 645 Garmin Watches can now be used to pay with Garmin Pay. Follow these steps to set it up:

  • If you haven’t set it up yet, you’ll need to download the Garmin Connect Mobile app and create your wallet. You can check out the participating banks here.
  • You’ll need to create a 4-digit passcode to protect the use of your watch.
  • On your watch press and hold the action button and bring up the navigation control menu and select the virtual wallet icon.
  • Enter your passcode (You only need to enter your pin once every 24 hours).
  • Select the right credit card from your virtual wallet.
  • Hold your wrist near the card reader until the outer edge of the watch face lights up green.

For the Fitbit users you can use Fitbit Pay with the Fitbit Ionic. All you have to do is add your credit or debit card details to the Fitbit app and you’re ready to start shopping.

  • Open the Fitbit app and selecting Fitbit Wallet. Set up a PIN if you haven’t yet.
  • Add your MasterCard or Visa card supported by participating banks.
  • To make a payment, just hold the face of the watch next to the payment terminal to launch Fitbit Pay and transmit payment info.
  • Enter your security code if you have this function set up.
  • Swipe to select which card you’d like to use.
  • Hold the watch next to the terminal and wait until you feel the watch vibrate.


Square it up

If you’re a small business or a business on the move, this one is for you. Now you may not be able to wear the Square Contactless and Chip Reader, however it is perfect to ensure that you are able to take contactless payments from customers, especially with so many wearables hitting the market!

This pocket size square is a contactless credit and debit card reader that allows your customers to tap-and-go. For only $59 it has a whole lot of features:

  • Contactless payment
  • Magnetic strip/ Chip reader
  • Payment in just a few seconds
  • Works with the free Square app.
  • Powerful battery
  • Connects wirelessly to iOS or Android devices. Check if your device is compatible here.

If you’re looking for extended usage time, you can also get a dock to keep it on charge or for ease of use you can get a case to attach it to your phone. This one isn’t hard to find either, just head into Officeworks.

Square up

Do you have a wearable tech you can’t go past? Share it with us in the comments!


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  1. David McMillan says:

    When my son, a computer guy with Bank West, was visiting us in Hobart from Perth last time, BW were testing out the halo ring. I am never amazed by stuff like that but the young staff were. He even had to buy a glass of coke for 1 cent so they could see it again.

  2. Christian Vogt says:

    I’m not anti-progress and enjoy using my credit cards, but I am wary about the whole ‘cashless’ idea for a variety of reasons:

    -“This note is legal tender for all debts, public and private.” Signed by the treasurer and governor, this sentence is on every banknote. If cash is gone, what is our legal tender for these debts? This so far has not been clarified. Likely, the solution will be using a commercial payment operator that imposes a ‘payment processing surcharge’ onto the transaction. I am not willing to pay extra just for making a payment! Not to mention all those merchants participating in this ‘credit card surcharge’ madness at the counter already. If I see a sign that tells me I will pay up just for using a card, I grab a banknote and coins. Or I do not want to miss out on ‘pay cash and we give you a discount’ – had that happen to me often and am not willing to waste any money without getting any extra service.
    – How do we protect ourselves from negative interest imposed on our savings, unless we can threaten to get all our funds as cash in an instant, and stuff it into our pillowcases instead of being forced to leave it on a negative interest account?
    – Someone in front of me trying to pay via his wearable watch. Ends up tapping for a fair bit of time on the device, then making awkward body movements to get the device to the reader. I thought, how elegant do I look when grabbing my card from the pocket, tapping, and putting it back. And how much faster this is!
    – How many middle men do we want cashing in on our transactions? A banknote can easily change owners, just by handing over. Or I can have Android or Apple Pay doing the transaction (likely charging commission), then charging it to my credit card (also charging commission), and who knows if my bank takes its share also…
    – How do I make an anonymous transaction? Do I really want the locksmith to have a record of whom the key belongs to that he just copied, just by paying electronically? Cash is king here.

  3. Colin Bloomfield says:

    Don’t forget….
    Banks CHARGE for each single transaction.
    So I prefer to Make one $200.00 withdrawal in CASH.
    Then I can buy 40 coffee’s with ONE transaction.

  4. Gordon says:

    A significant advantage for governments of a cashless society is the reduction in tax avoidance transactions. SOme countries have got themselves into financial trouble by too many people avoiding tax. The under the counter transactions are reduced. Sweden is one country that’s aiming to be cashless next decade. Maybe governments will cover the cost of card transactions as they recoup more in avoided tax.

  5. Judanne Simpson says:

    Gordon, this will soon be a thing of the past. My workplace has just initiated a system using MYOB to report directly to the ATO every single gross pay made to an employee weekly. With this system no Group Certificate is needed, nor will one be issued.
    This is to help with the problem you mentioned, specifically for income tax avoidance.

  6. John Bellis says:

    Christian Vogt has hit the nail right on the head.
    I’m 70 years old and up to the age of 19years I received wages in a pay packet. An unsecured bank loan cost 12% interest.
    Secured bank loans cost 8% to 10% interest at that time.
    My bank savings accrued at 3% to 4% interest then also.
    I recently changed from a big4 bank to Bendigo Bank. The interest on my savings of $9000 increased from 0.1% to 2.4%.
    I am now getting 240 times more interest. We are paying dearly for the convenience of intrusive personal data collecting devices.
    How can a bank justify charging you 20% interest on bankcard and giving you 0.1% interest on your savings up to $9,999

  7. John Bellis says:

    Amendment to previous post.
    At the time my interest from a big 4 bank was actually 0.01% interest, not 0.1%. Hence the 240 times difference in interest rate..

  8. John Bellis says:

    My wife is incapacitated and I have authorisation to use her bankcard on her behalf. As I entered a local Woolworths supermarket, my entry set off a buzzer. I noticed that this buzzer did not go off with children or some other adults entering so it wasn’t a customer counting device. After leaving I returned having forgotten to buy milk. I’d left my wife’s bankcard in the car’s glovebox so this time I entered, I did not set off the buzzer. Do most retail shops collect your tip and go card identity like this supermarket did?
    Be careful who you sit near to on a train or bus, could be a thief hacker with a doctored mobile phone accessing your bankcard. I now wrap my bankcards in tinfoil. It’s cheaper than these shielding wallets you can purchase.

  9. valerie glasson says:

    also can i set up an automatic deduction from my bank a/c to pay my a/c with westnet so it can be automatically paid each month as before valerie glasson

    • Tal Waterhouse says:

      Hi Valerie,

      You definitely can. If you’re having any trouble setting this up online via toolbox, give us a call any time on 13 22 58 or shoot an email to with more info so our team can assist you.

      – Tal