M&T Bank : Visa payWave FAQs
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Visa payWave: Questions & Answers

Below is a list of common questions and answers regarding M&T Debit Cards and M&T Visa Credit Cards enabled with Visa payWave technology. Get the answers you need by clicking on any of the links.

  1. What is Visa payWave?
  2. How does Visa payWave technology work?
  3. How do I make a purchase using Visa payWave?
  4. What are the benefits of Visa payWave?
  5. Can Visa payWave purchases earn M&T Bank Rewards points?
  6. Where can I use my M&T Debit Card or M&T Visa Credit Card enabled with Visa payWave?
  7. What should I do when prompted to choose “debit” or “credit” when using my M&T Debit Card with Visa payWave?
  8. Will my M&T Debit Card or M&T Visa Credit Card enabled with Visa payWave work as a contactless card internationally?
  9. Are there any special fees for using Visa payWave?
  10. Is my information safe when paying with Visa payWave?
  11. Can my M&T Debit Card or M&T Visa Credit Card enabled with Visa payWave be accidentally read by the secure reader if it's in my purse or pocket?
  12. Can the information on my payWave chip be used to commit payWave fraud against my account?
  13. Can the information on my payWave chip be used to commit other types of fraud against my account?
  14. I saw a news report that said my payWave card is easy to read and not secure. Is this true?
  15. Do I need one of those sleeves for my card to keep it from getting read by fraudsters?
  16. Can my identity be stolen through the chip in my card?
  17. How am I protected if my M&T Debit Card or M&T Visa Credit Card enabled with Visa payWave is lost or stolen?
  18. Is Visa payWave a “contactless” technology?
  19. Is Visa payWave a “smart card”?
  20. Does my M&T Debit Card or M&T Visa Credit Card have Visa payWave technology?
  21. How can I request an M&T Debit Card or M&T Visa Credit Card with Visa payWave technology?
  22. What should I do if I can’t complete a Visa payWave transaction at checkout?
  23. What should I do when prompted to enter a PIN when using my M&T Debit Card with Visa payWave?

* Discounts can be obtained by using an M&T Debit Card or Credit Card in conjunction with the Terms and Conditions and Redemption Instructions of each offer. Certain limitations apply.

** Subject to program terms and conditions. Only M&T cards issued in the United States and in good standing may be eligible to participate in M&T Bank Rewards. Additional exclusions may apply. We reserve the right to determine at our sole discretion whether a particular M&T card or cardholder is eligible to participate in M&T Bank Rewards.

*** Visa’s Zero Liability Policy covers U.S.-issued cards only, and does not apply to certain commercial card transactions, ATM transactions, transactions not processed by Visa, or if you are grossly negligent or fraudulent in handling your card or card number. Notify M&T Bank immediately of any fraudulent use. Certain unauthorized transactions require a cardholder signature prior to issuing provisional credit. See your cardholder agreement for more details.

Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or service begins, it is subject to its features, conditions, and terms, which are subject to change at any time in accordance with applicable laws and agreements. Please see an M&T branch representative for full details.
 
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