MasterCard PayPass



Tap & Go®

PayPass Quick Facts

Q: What is MasterCard PayPass?
A: MasterCard PayPass is a “contactless” way to pay. It’s like having exact change wherever you go. A simple tap of your card, key fob, or mobile phone is all it takes to pay at checkout.*
Q: How do I benefit?
A: There are many benefits with PayPass:
  • It’s like having exact change wherever you go, so you don’t have to worry about carrying around a lot of cash or fishing for coins
  • You are in control because your PayPass never leaves your hand at checkout
  • With PayPass you get better record keeping of all your purchases then using cash for those small everyday items
  • Its fast and ideal at places where speed is essential, like at stadiums, fast food restaurants, gas stations and more
Q: How can I get my own PayPass?
A: To apply for a MasterCard PayPass, contact any of the growing number of participating financial institutions (card issuers) listed on our Web site. Check back often, as new card issuers are added regularly.
Q: Where can I use my PayPass?
A: Anywhere you see this symbol PayPass symbol at checkout, you can tap to pay with your PayPass. This includes fast food restaurants, gas stations, convenience stores, pharmacies, stadiums, and more.
If you don’t see the symbol, your PayPass card can still be used by swiping at checkout, like normal MasterCard cards.
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Paying with PayPass

Q: Paying With PayPass
A: To make a purchase simply tap your PayPass card, key fob, or mobile phone on the “contactless” payment reader at the checkout of participating retail locations.
Q: Can I use my PayPass on contactless payment readers that don't display the PayPass logo?
A: If you don't see the symbol, your PayPass card can still be used by swiping at checkout, like normal Mastercard cards.
Q: How close does the “tap” have to be to the checkout reader?
A: Typically, at the checkout when you tap your card/device must be within an inch or two of the “contactless symbol” on the payment reader on the counter. Do note that if you have more than one PayPass card in your wallet, you should remove the specific card you wish to use to pay. Learn How To Tap

PayPass Technology

Q: How does it work?
A: PayPass uses a hidden embedded computer chip and radio frequency antennae. After you tap your PayPass at checkout, payment details are sent wirelessly to the MasterCard network. Moments after you tap, you will receive payment confirmation and are on your way.*
Q: What is a key fob or payment tag?
A: A key fob or payment tag is a special PayPass device that you can attach to your key chain. Card issuers sometimes provide this as a companion to your traditional, primary, MasterCard plastic card. Usually very small and made of plastic, PayPass fobs/tags contain the same contactless computer chip and radio frequency antennae like regular PayPass cards.
Q: Do I have to treat my PayPass in any special way?
A: Treat your PayPass as you would any credit, debit and prepaid cards. Always know where your PayPass is and keep it in a safe place. Check often to make sure none or your cards/devices are missing. And be sure to keep a record of all your card numbers, expiration dates, and emergency phone numbers in a safe place.
Q: Is there a battery?
A: There is no battery used to activate your PayPass.

PayPass Security

Q: Is it safe?
A: Yes. With secure encryption technology, PayPass is as safe as your regular card.
  • You are in control – your PayPass never leaves your hands to make a payment
  • No accidental payments – your PayPass must be extremely close to the reader at checkout to work
  • Not billed twice – even if you tap more than once at checkout, you’ll only get billed once for your purchase
More About Security
Q: Why aren’t signatures required?
A: To ensure that using PayPass is as simple and convenient as cash, retailers/merchants that accept PayPass do not require you to sign for small purchases (PhP500 or below). However, for your protection, purchases over PhP500 generally require a signature or PIN to be used.
Q: What do I do if my PayPass has been lost or stolen?
A: If you have lost your card or suspect unauthorized activity on your account, stop using your PayPass and contact the financial institution that issued your card immediately. If you don’t know your card issuers number – not a problem – the MasterCard Global Service™ team is available 24/7 to assist you.
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* Signature is not required for purchases PhP500 or below at participating locations. PIN may be required for debit transactions.

† Conditions and exceptions apply.