OtherPay DUO
The card you can trust
OtherPay DUO is free and is designed to help protect you from purchase fraud.
Why DUO?
DUO solves a problem that's bigger than most people realise
The prices you pay – in bank fees and at the checkout – are inflated to cover losses the industry has long treated as a cost of doing business. Those costs ultimately fuel illicit markets that profit from purchase fraud. If you therefore accept purchase fraud as a cost of doing business, OtherPay isn’t for you.
If you prefer to end that practice, join us.
Bag’s gone. Money hasn't. Declined in real time, every time.
The future of payment cards
Advanced security features designed to protect your 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
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 intend for it to work.
That's common sense brought to financial payments.
Shopping with DUO
Tap. Select. Shop.
Tap your card
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 adds layered protection designed to reduce fraud risk – 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 caps the approved amount for that purchase, helping prevent overcharging beyond what you’ve authorised and reducing the chance of errors that can trigger refunds.
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
Scan the QR code
Scanning the OtherTip compatible QR code will launch the means by which to securely pay the host a tip.
Specify the amount
Extend the tip
Don’t let a cashless society forget those who depend on tips to survive or those who simply appreciate being thanked with a small financial token of appreciation.
DUO card features
Authenticate
Stronger authentication as it really should be.
Beyond the OTP
Move past codes and single-point authentication. By combining biometrics with physical possession of the card, authentication is stronger, more reliable, and no longer vulnerable to simple compromise.
Verify who's calling
Verify identity in real time – even during a phone call. Activate the app to confirm weather you’re speaking with a legitimate OtherPay representative or a potential scammer.
No single point of failure
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 extends OtherPay DUO’s security to services still relying on email or SMS one-time passcodes, which can be vulnerable to interception and social engineering. Instead of one-time codes, users gain access only by biometrically unlocking the OtherPay app and activating their physical DUO card, ensuring verified identity and real-time card possession.
How is OtherPay’s Authenticate feature different?
Unlike delegated identity providers that authenticate users on a service’s behalf, Authenticate keeps control with the service while replacing OTPs with real-time biometric activation of the user’s physical OtherPay card.
What is OtherPay’s Digital Trust?
OtherPay’s Digital Trust provides you with a unique means by which to ensure that anyone you’re talking to on the phone that’s purporting to be from OtherPay can be independently verified, protecting you from telephone scams and alleviating the need for complex over the phone authentication.