Tag Archives: CommBank

Trying out CommBank’s Tap and Pay – using a mobile phone to shop in-store

Kisslock knit phone case for iPhone 5/5s

Silicone covers are perfect for using with PayTag. They are easy to remove if necessary and have the flexibility to seamlessly cover the sticker.

Today, for the first time, in a retail shop, I paid using my mobile phone.  No wallet, no credit card – just me and my mobile. It gave me a warm and fuzzy feeling.  I am such a nerd.

In case you haven’t heard, CommBank have recently introduced the ability to pay using a mobile phone (android or iPhone, and soon for Windows phones I think) at any checkout which has a PayPass terminal. PayPass terminals are those ones you can tap your credit card on instead of inserting it or swiping it.

Luckily for me, I was already a CommBank customer with an eligible account*.

It’s pretty easy to set up.  Firstly I needed to upgrade to the latest version of the CommBank app to order the PayTag.  This is a sticker which contains the smarts (NFC) which communicate with the PayPass terminal when you tap your phone against it.  Mine took about a week to arrive.

The instructions were clear and easy to follow. You simply attach the sticker to the back of your phone and activate the sticker through the CommBank app.

Kisslock Stitch phone cover, paytag

The PayTag sticker fits easily under our phone covers, here I used my current fave,  Candies Kisslock Knit for iPhone 5 in yellow.

I couldn’t wait to try it out.

Early this morning I popped into Priceline as I knew they had PayPass terminals.

First I switched the Tap & Pay function in my CommBank app on (I did this while queuing), then I simply tapped my phone (the back part of it where the sticker is) against the terminal.  It worked a treat!  No need to remove my phone cover. When I checked my account I could even see I had paid using PayTag.

Will I use it again? Yep, absolutely!  Now I just need to get my loyalty cards into an app and lose the wallet altogether..

Update: Today I used it 3 more times.  I tried to pay for coffee in the cafe at the bottom of my office building but it wouldn’t work, I didn’t remove my phone cover and retry though as there was a queue so I caved and used my credit card instead.  I used it again later in Priceline – worked instantly.  I used it a third time in Woolies and it struggled.  I removed my phone cover (luckily it’s very easy to take on and off) and it worked.

So, 3 out of 4 ain’t bad! But maybe I should hang on to my wallet for a bit..

I’m going to monitor  my success rate over the next few weeks and will post another update.

* I don’t know what constitutes an eligible transaction account and couldn’t see it defined on CommBank’s website – whatever it is I must have one 🙂

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