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Digital Pays

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Digital Pays

CIRCLE Alliance Bank Visa debit and credit cards can now be added to digital pay solutions Apple Pay, Google PayTM and Samsung Pay. See below to find out how to add cards and transact depending on the device you're using.

Apple pay

ApplePayAdding a card

  1. open the Wallet App
  2. tap the plus (+) sign in the upper-right corner
  3. either scan the physical card or enter the card details manually
  4. 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

  1. either double tap the home button when the phone is locked or open the Wallet App
  2. bring the card into focus that you want to use for the payment
  3. you will need to authenticate depending on the second-level security being used on the device (Passcode, fingerprint or face recognition)
  4. hold the device near the POS terminal when the merchant requests the payment

Google Pay

GooglePay circleAdding a card

  1. download the Google Pay App from the Google Play Store
  2. open the Google Pay App
  3. go to Payment and tap the + Payment method at the bottom of he screen
  4. either scan the physical card or enter the card details manually
  5. 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

  1. simply wake your device (doesn’t have to be unlocked) - there's no need to launch the App or authenticate
    (this will work for your ‘default’ card. If you want to use a non-default card, you will need to open the Google Pay app and select the card)
  1. hold the device near the POS terminal when the merchant requests the payment

Samsung Pay

SamsungPay circleAdding a card

  1. open the Samsung Pay App and sign in using your Samsung ID
  2. 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)
  3. either scan the physical card or enter the card details manually and provide your signature when prompted
  4. 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

  1. swipe-up from the home button or open the Samsung Pay App
  2. bring the card into focus that you want to use for the payment
  3. you will need to authenticate depending on the second-level security being used on the device (Passcode, fingerprint or iris recognition)
  4. hold the device near the POS terminal when the merchant requests the payment

Digital pay FAQs

What Circle Alliance Bank cards can be used for digital payments?

The Visa debit and Visa credit cards can be added to the digital wallet solutions.

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 Circle 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 Circle?

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 verification 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.

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 Circle 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 immediately.

I'm seeing a ‘GOOGLE *SERVICES g.co/helppay#’ transaction on my account - what is this?

If you see a pending transaction for $0.00 with the description ‘GOOGLE *SERVICES g.co/helppay#’ on the account your Circle 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 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 Circle 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 Circle Alliance Bank App to report the card lost or stolen or phone us.

What should I do if my device is lost or stolen?

You should contact Circle 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.