OtherPay

OtherPay DUO

The DUO card

Putting an end to purchase fraud.

Protected by international patents. Additional patents pending.

The future of payment protection is here

OtherPay is revolutionising finance through innovation and cutting-edge technology to eliminate purchase fraud.

Smart by Design

Seamless purchase protection, stronger authentication and the freedom of cash.

Secure your application

Be among the first to end purchase fraud

Innovation Pipeline

This is just the beginning

From HoliWallet — the travel card that stops tourist fraud before it starts — to ONE Card, delivering seamless multi‑account access with built‑in authentication for real‑time fraud defence; our pipeline of future products will continue to redefine payment security.

The ONE Card

Multi-account convenience with on-card authentication for real-time fraud defense

HoliWallet

The travel card that stops tourist fraud before it begins.

FAQs

General

Why would I want an OtherPay DUO card?

The DUO card offers advanced security features that protect against fraud during in-store and online purchases. It reflects the future of payment cards, aligning with industry best practices while optimising regulatory intent and giving you control over when your card is “on” or “off.”

How do I apply for a DUO card?

Expressions of interest are being accepted at this time – apply here – after which invitations to apply will be communicated to those lucky enough to have been selected to apply for one of the 1,000 limited edition pilot DUO cards.

What do I do when the card arrives?

Activation instructions are included in the packaging. You’ll pair the card with the app by means of simply tapping the card against your mobile device.

Will using OtherPay DUO feel different to a normal card?

It functions like a standard card at checkout, but with smarter, real-time security running in the background. You’ll feel the difference in control and peace of mind.

Can I link DUO to a digital wallet like Apply Pay?

No. The DUO card’s security model is designed for use only with the OtherPay App.

What if I miss the pilot launch?

We’ll retain your details and let you know when there’s a future additional DUO card release.

Can I use my DUO card overseas?

Yes. The card is globally accepted wherever Mastercard is supported.

What support is available?

Our Australian-based support team is available to help via the Contact page or by phone, as detailed on the back of each card.

Purchasing

How much do the cards cost?

The DUO card is free.

Why do I need to tap my DUO card every time I use it?

Because the card remains inactive until you physically and digitally confirm that you’re in possession of it and only by tapping the card will you be able to gain access to the OtherPay application you’ll need to use the card.

Why is there a limited time to complete transactions?

Your card activates for a short window (up to 60 seconds in-store, 120 seconds online). This limits exposure to fraud. However, if you find yourself running out of time, there’s a button to reset the counter and give you more time.

What is ProtectPlus?

ProtectPlus lets you set merchant-specific spending limits. Whether it’s a trusted or unfamiliar business, you stay in control. In other words, the amount available for you to spend is limited by the amount you may choose to specify for that transaction.

Can I use my DUO card at ATMs?

At this time and for the pilot, no. DUO is designed for payments only. To support simplified compliance, DUO has a $5,000 balance cap and doesn’t support ATM withdrawals.

Are there ongoing fees?

No. There are no monthly or annual fees for DUO.

Click to Pay

What is Click to Pay?

Click to Pay is a digital checkout method supported by Mastercard, Visa, and others. It lets you pay online without re-entering card details.

Do I need to register for Click to Pay?

No. You’ll be automatically enrolled as part of the OtherPay DUO pilot program as soon as Click to Pay has been activated for use with DUO cards. You’ll be advised of when that will be.

OtherTip eCash

What is OtherTip eCash?

It’s a secure, anonymous and emotional way to send digital cash in person. Think of it as the re-introduction of cash – fast, private, and simple, albeit digital.

How is OtherTip different from a bank transfer or app?

It feels personal and spontaneous. No BSBs or emails – just proximity, tap, and transfer. It’s like handing someone a $10 note.

When would I use OtherTip?

Any time you would tip or gift someone cash – baristas, rideshare drivers, street performers, friends, staff, etc.

Do I need their bank details to send money?

Nope. Just emulate the eCash from your mobile app onto your OtherPay DUO card and tap the receiver’s mobile device.

Is OtherTip secure?

Yes. Transfers are encrypted and confirmed in real time. The money goes directly into the recipient’s OtherPay balance.

Can anyone receive tips?

Yes, as long as they have an OtherPay account and the app

Are there fees for tipping?

No. Neither the sender nor the recipient is charged a fee.

Authenticate

What is Authenticate?

Authenticate is a feature of OtherPay DUO that OtherPay is seeking to extend to services that utilise OTPs distributed via insecure email or text. By allowing creation of the unique OTP on the OtherPay app, the service introduces stronger authentication for access to its services for those users in possession of an OtherPay DUO card or a card compatible with OtherPay’s technology.

How is OtherPay’s Authenticate feature different?

For third party service authentication – handled by the likes of Google or Apple – authentication is handled by them and not the service to which the user is trying to authenticate. With OtherPay, the service remains responsible for authentication but allows OtherPay to create the unique OTP needed in support of such authentication.