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Personal Banking - Frequently Asked Questions

MasterCard PayPass

How do I pay with PayPass?

How do I benefit?

What is tapping?

Where can I use the MasterCard PayPass?

How close does the "tap" have to be to the checkout reader?

How will my purchases appear on my monthly statement?

Do I have to treat my PayPass card in any special way?

Is there a battery?

Do I need to turn it on/off?

Is it secure?

Why aren't signatures required?

What do I do if my PayPass card has been lost or stolen?

How do I pay with PayPass?

PayPassTM uses a hidden embedded computer chip and radio frequency antenna. After you tap your PayPass card at checkout, payment details are sent wirelessly to the MasterCard® network. Moments after you tap, you receive payment confirmation and you're on your way.
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How do I benefit?

You don't have to worry about carrying around a lot of cash or fishing for coins. You're in control because your PayPass card never leaves your hand at checkout. And it's fast and ideal at places where speed is essential, like movie theaters, fast food restaurants, convenience stores, and more. You can still use your card for ATM transactions, online banking, and telephone purchases.
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What is tapping?

Simply hold your PayPass card in your hand, move it to the PayPass reader, tap your card on the contactless symbol, and move it back from the reader.
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Where can I use the MasterCard PayPass?

Anywhere you see the MasterCard PayPass logo at checkout, you can tap to pay with your PayPass card. The PayPass card may also be used in the traditional manner (i.e., swiping the magnetic stripe) at millions of locations worldwide where MasterCard is accepted. For a list of locations where PayPass is accepted, visit mastercard.com/paypass.
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How close does the "tap" have to be to the checkout reader?

Typically, your card must be within 1.5 inches of the contactless symbol on the payment reader.
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How will my purchases appear on my monthly statement?

Purchases made with PayPass will be displayed on your statement just like any other purchase you make with a regular debit card.
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Do I have to treat my PayPass card in any special way?

Treat your PayPass card as you would any credit or debit card. Always know where your card is and keep it in a safe place.
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Is there a battery?

There is no battery in the PayPass card.
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Do I need to turn it on/off?

PayPass cards are always on and ready to be used.
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Is it secure?

Yes. With secure encryption technology and Zero Liability protection,1 PayPass is as safe as your regular card.
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Why aren't signatures required?

To ensure that PayPass is as convenient as cash, retailers that accept PayPass may not require you to sign for purchases of $25 or less.2
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What do I do if my PayPass card has been lost or stolen?

Contact Union Bank immediately at 1-800-238-4486 option 2.
Call 1-800-238-4486 option 2 for more information.
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