Using a Zip Money One-Time Virtual Card in Store - Possible?

[Deactivated] on 15/08/2022 - 12:38

Just a hypothetical situation.

So Zip users would know that you can tap-and-pay with Zip Pay ($500), but this is not the case with Zip Money ($2000). You can still however generate a one time virtual credit card on Zip Money for online shopping.

What I am wondering is, would it be possible to use one of these virtual card numbers in store by manually entering the number into an EFTPOS machine?

Say for example if I had a hefty mechanics bill of $1000 and I wanted to put it on Zip. So I ask to manually enter a card number into the machine. I am willing to accept that I might come off as a bit suspicious manually dialing in a card number instead of paying the "normal way". But is this an option on eftpos machines, to manually enter a card number?

Does anyone know if this idea would work, if it came to it?

Financial

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Zip Pay
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Comments

  • scrimshaw on 15/08/2022 - 12:41
    +3

    Having worked in retail before it's not uncommon that some customers need to manually punch in their card details. It should work so long as they accept VISA payment methods.

    • dizzle on 15/08/2022 - 14:58
      +4

      The credit card providers (at least the ones I've had in retail which include ANZ and Westpac) discourage manually entering the card details if the customer is present. In fact the policies they had said that if a fraudulent claim happened from this, then they would most likely side with the customer.

      I don't know how they determined whether the "phone sale" customer was in store or on the phone, but they told us we couldn't do it.

  • MS Paint on 15/08/2022 - 13:05

    Say for example if I had a hefty mechanics bill of $1000

    I'm guessing you don't drive a luxurious prestigious European high yield investment car with all the bells and whistles. That would be a cheap service.

  • donga100 on 15/08/2022 - 13:06
    +2

    It's definitely possible, I used to do it all the time for a store that did a lot of business over the phone. Staff who are used to working in stores with only in-person transactions might not know how to do it though and try to tell you it can't be done. It would feel a bit dodgy too but I'd probably accept your explanation if you were a known/trusted customer.

  • mwalexander on 15/08/2022 - 15:22
    +3

    They are called MOTO transactions (mail order/telephone order). When you punch a card number into a terminal - generally the merchant will get charged a fee - as they usually have a higher chance of chargebacks/fraud. Some businesses now disable this on their terminals.

    You could try explaining the situation to the mechanics - so they understand why your asking them to do this way. You'll be able to find out then if they have it enabled on their terminal.

  • AndyRates on 15/08/2022 - 19:31

    does afterpay do a tap and pay wireless card for all merchants. not just participating ones?

    • ol mate on 16/08/2022 - 19:42
      +1

      Zippay offered increases from $1k to $2k to me almost monthly (I never took them), so I wouldn't look too much into it.

      They probably offer it to anyone who hasn't missed a repayment.

    • jimbobaus on 17/08/2022 - 21:25

      Mines at 3k now and it’s stil zip pay (not money)

  • 123qweasd on 13/08/2023 - 18:23

    If I use the single-se zip card to pay for an Uber Car Share (Car Next Door): First-trip deposit $150.00
    This deposit is collected and then refunded after my trip. Future trips with us won’t require a deposit but does using the single-use card all to top up my available credit on my zip account? Thank you for helping my english is improving as 3rd langauge.

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