I just recieved my ing card and tried using paywave for the 5% discount, does anyone know if the cash back is deducted from when paywave is used or u get the money later? Cause it doesn't look like my 5% has be recredited back yet.
ING Direct 5% Paywave Question
DEvok on 09/01/2013 - 18:51
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i noticed it credits on the statement online. you wont see it on the receipt at the store.
on another note, are there any caltex/woolies that accept paywave? my local servo (bass hill) doesn't
my local servo (prospect) also doesnt have one, so what I do, I'd buy a gift card using the paywave, and pay petrol using that same gift card. Bit of a hassle, but it saves me $2.50 each fill, on top of the 4c per litre off.
Most Caltex have pay wave now. Not sure about the Woolies ones.
Most woolies should have paywave. Some still use the old ones on express or self-serve, but they rolled out all the paywave terminals a few months ago. Same with coles (except a bit earlier I think)
I paid today using paywave for $33 and that $33 still doesn't show in my account the only thing that shows is the $200 cash out via ATM rebate. Is there a delay for the 5% return?
The rebate appears at the same time the debit is made from your account. So when the $33 is taken out, you will see a rebate of $1.66.
It is because paywave/paypass are treated as if you were to select credit on debit, so the purchase will take anywhere from 1-5 days to clear, sometimes more or less depending on the banks involved. It should appear in your account under charges after a day, and then later on it will move to your statement as it clears, which is when you receive the 5% cash back.
It takes a couple of working days for me to get the 5% back. It's been great, been using it even for the smallest of purchases. Shame some stores still don't have the paywave thingy.
Cheers! Was abit worried.
In most cases does anyone know if u can do separate paywave payments of $100, and totalling of $1000? Since paywave cashback needs to be under $100?Actually the limit is $99.99. It all depends on whether you can sweet talk the cashier into the hassle.
Some stores have a policy against breaking it up like that, as I believe they might be charged a little more with the eftpos fees (not sure, it could just be a percentage, but if it's a flat rate + percentage, I guess it would cost them).
At woolies/coles you could ask them to put 99.99 on card a few times, it's not a huge hassle on their machines.
I think it's a percentage as I haven't been turned down for even the smallest purchases, a few bucks, except one 7/11 where the worker complained of 4% EFTPOS charge, so I just went to the next 7/11.
It gets credited as soon as the transaction has gone through.