OtherPay DUO
Complete purchase protection, without compromise
Whether you’re shopping in-store or online, OtherPay DUO delivers an experience that’s as consistent as it is secure.
The future of payment cards
Advanced security features to protect every purchase
Worthless to fraudsters
The physical card, mobile device and legitimate user must always be present, regardless of the type of purchase that’s being made. Gone are the days of card-not-present transactions.
Only works when you need it to
The OtherPay DUO card only works when you want it to and never when you don’t or when someone else thinks it will. That’s where innovation meets common sense!
Secure PIN reveal
There’s no need to remember a PIN because whenever a PIN is required, the OtherPay DUO app will give you one to use. The only difference is that it changes for each and every transaction a PIN is needed for.
Purchasing with DUO
ON when YOU need it.
OFF when YOU don't.
Unlike conventional payment cards, the OtherPay DUO card only works when you need it to. That's common sense brought to financial payments.
Shopping with DUO
Tap. Select. Shop.
Tap your card
Just tap your OtherPay DUO card on your mobile device to unlock the app’s purchasing features whenever you’re ready to shop.
Make a selection
Then choose how you’d like to shop – in-store or online – to activate your card for use.
Start shopping
From counters to carts, OtherPay DUO secures every purchase with layered protection – even for your most anxious moments.
DUO card features
ProtectPlus
Set the maximum amount
you're willing to spend.
Maximum security
If you’re feeling exposed or uncomfortable at an unfamiliar merchant, opt for more protection with ProtectPlus and avoid the unwanted risk of having to chase a refund.
You set the amount
This extra layer of security allows you to specify the exact – or maximum – amount you’re willing to spend, capping the amount available from your OtherPay account.
Peace of mind
This makes it impossible for a dishonest merchant to inflate the amount you’re willing to pay — or for an unfortunate mistake to occur — meaning you having to wait days for the refund.
DUO card features
Click to Pay
Maximum protection
for eCommerce
Click to Pay lets you shop online without entering sensitive card details - and with OtherPay DUO, the one-time-passcode becomes redundant thanks to enhanced authentication before the purchase can even begin.
Future strategy
Click to Pay is the industry’s response to online purchase fraud – but OtherPay DUO takes it further, combining enhanced authentication with limited transaction windows and limits for maximum protection, whether online or in-store.
The end of card details
Click to Pay ends the need for having to input sensitive card details that could otherwise be observed by fraudsters and thereafter used to conduct unauthorised purchases.
Consistent experience
Delivering a fast, seamless and highly secure checkout experience across all participating merchants where Click to Pay is available and a highly secure experience where it isn’t yet available, both online and in-store.
DUO card features
OtherTip eCash
The digital reimagining of cash
A return to the kind of freedom only cash could offer - effortless, anonymous, and purely between giver and receiver.
Peer-to-peer value transfer
Send and receive money instantly – no bank account details, just like handing over cash.
Privacy by design
No need to expose personal or card information. eCash keeps your identity and transactions discreet.
Give within set limits
Preload a set amount to stay in control – perfect for gifting or giving without overshooting.
eCash with DUO
Exchange eCash with the DUO app
Decide how much
The amount you input will determine the temporary value of the eCash in your hand. Just like pulling physical notes and coins from your wallet or purse.
Offer the eCash
By tapping your OtherPay DUO card on the mobile device of a receiver (with the OtherPay DUO app installed), you’re offering them that same value of eCash. Just as you would be if offering notes and coins.
Verify acceptance
As with notes and coins, the exchange of eCash comes with anonymity and freedom. Attributes slowly being eroded in a world becoming cashless.
OtherTip with DUO
Tipping with the DUO app
Tap the plaque
Tapping the OtherPay DUO app on a compatible OtherTip plaque or badge will launch the means by which to securely pay the host a tip.
Specify the amount
The amount you input will determine the temporary value of the eCash in your hand. Just like pulling physical notes and coins from your wallet or purse.
Extend the tip
As with notes and coins, the exchange of eCash comes with anonymity and freedom. Attributes slowly being eroded in a world becoming cashless.
DUO card features
Authenticate
Stronger authentication as it really should be.
Secure seed pairing
Authenticate combines your card’s unique seed with a service allocated secondary seed to generate unique OTPs securely for cryptographic trust.
Tap to Authenticate
No weak links
With no reliance on vulnerable messaging, Authenticate closes common attack vectors and empowers services and users with frictionless, tamper-proof authentication.
The DUO App
Designed for Simplicity. Built for Control.
Transaction History
Clear, simple and secure
Know exactly what happened, when, and where. Our clean transaction history keeps your spending transparent, trackable, and totally stress-free.
Stay informed
Real time notifications
Prompt transaction updates mean you’re never left in the dark. Know exactly what’s happening with your money the moment it happens.
FAQs
Everything You Need to Know
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?
Will using OtherPay DUO feel different to a normal card?
Can I link DUO to a digital wallet like Apply Pay?
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?
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?
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?
Are there ongoing fees?
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?
How is OtherTip different from a bank transfer or app?
When would I use OtherTip?
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?
Can anyone receive tips?
Are there fees for tipping?
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.
