Do all transactions need a PIN?

No, not all transactions will need a PIN, most notably contactless transactions (Visa payWave) under $100 do not need to be authorised by a PIN. 

Non-PIN transactions include: 

  • Transactions that do not require a signature or PIN today. These transactions include contactless transactions (Visa payWave) and small ticket payments; 
  • International transactions (transactions conducted by cardholders with cards issued by banks outside Australia); 
  • Magnetic stripe transactions; 
  • In each case, the terminal will prompt for a PIN if it is required.