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FAQs

Everything You Need to Know

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.”

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.

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

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

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

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

The DUO card is free.

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.

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.

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.

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

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

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.

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.
It feels personal and spontaneous. No BSBs or emails – just proximity, tap, and transfer. It’s like handing someone a $10 note.
Any time you would tip or gift someone cash – baristas, rideshare drivers, street performers, friends, staff, etc.

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

Yes. Transfers are encrypted and confirmed in real time. The money goes directly into the recipient’s OtherPay balance.
Yes, as long as they have an OtherPay account and the app
No. Neither the sender nor the recipient is charged a fee.

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.

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.

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.

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