Shop safely with Discovery Bank’s contactless payment options this holiday season

Shopper making a payment by tapping their tap-and-go card on the pay point instead of inserting it.

It’s the holiday season and travel, retailers, shopping malls and most services are open for you to enjoy. With COVID-19 still around, we all have to be more mindful. Fortunately, Discovery Bank makes contactless banking and payments easy to help safeguard your wellbeing.

Futurists call it the time of a ‘contactless economy’. One that limits the exchange of money and human contact – which is necessary for our health. Before COVID-19, there were things we did without thinking – drawing money and exchanging cash, handing over bank cards at till points, and standing closely together in queues. Now we must unlearn some of these habits. Fortunately, with contactless payments, you can easily avoid touching different surfaces and the bank card machine when you pay. You are the only person handling your bank card or phone wherever you go.

Discovery Bank has all the capabilities built in to make contactless banking and shopping possible for you. As a fully digital bank, you can do all your banking from the palm of your hand. All the services that Discovery Bank provides allow you to transact and shop securely – online from anywhere or in store – while protecting your health.

You even have more convenient and safe ways to pay, available with the Discovery Bank’s latest app. You can now even get up to 20% off when you spend your Discovery Miles online and in-store through the Bank’s partner network and enjoy greater convenience and security when shopping with your new virtual cards. In addition, you can make payments to any of your contacts who are Discovery Vitality members through Discovery Pay by simply using their cellphone number.

Make contactless payments your preferred choice this holiday season

Here are the contactless payment options Discovery Bank offers:

Your card is tap-enabled

All you have to do is tap or hold it near a point-of-sale terminal where you see the contactless payment symbol. For your financial safety, these tap-and-go purchases are often capped at some pay points. So, while you may still sometimes have to key in your PIN for purchases, you won’t have to hand your card to the cashier; helping to minimise personal contact. 

Convenience and security with new virtual cards in the Discovery Bank app

You can now get a virtual card that is stored safely in your banking app. Virtual cards offer the same benefits as physical cards: travel insurance, purchase protection, extended warranty and rewards. And, there is an additional level of convenience and flexibility because these cards are issued instantly. This means that when you join the Bank, you’ll immediately have a card to transact with and, as an existing client, you can easily add more virtual cards on the Discovery Bank app. Virtual cards are convenient for online transactions and subscriptions, and for linking to payment platforms like Fitbit Pay, Garmin Pay or Samsung Pay.

Because it’s possible to have more than one virtual card, which you can add on the app for free*, you can select the types of transactions you want to use each card for. This lowers the risk of your bank card being compromised. Explaining this, Akash Dowra, Head of Client Insights, said, “By using both a physical card and a virtual card for different transactions, you have the ability to elevate the security on your banking transactions and to protect yourself against potential fraud.”

You have access to Discovery Pay

Paying people with Discovery Pay is as easy as having their phone numbers. You can pay other Discovery clients using their cellphone numbers, whether they are a Discovery Bank client or not. Besides offering contactless convenience, banking details never have to be exchanged. Discovery Bank does it for you and keeps the details safe. This allows you to make payments in just a few taps to any of your smartphone contacts who are active on the Vitality programme, which has over 1 million members.

Dowra said, “Discovery Bank clients can send money seamlessly to a Vitality client from their banking app, if they have the cellphone number saved in their contact list. We’ll then securely deposit the funds into the existing linked and verified bank account, which means it is not necessary to share any banking details over email or in other correspondence.” This adds to security at a time when many people are at risk of banking fraud.

Your Discovery Miles rewards currency is accepted at a wide network of stores

You can earn Discovery Miles in a variety of ways. As a widely accepted form of rewards payment, you can skip shopping queues completely and opt to use Discovery Miles to pay for purchases at our online Discovery Miles partners. You can also use Discovery Miles when making purchases at many of these partners in-store. Simply generate a QR code on your Discovery Bank app and show it to the cashier. You don’t have to touch anything but your phone. Plus, you can now get up to 20% off when you spend your Discovery Miles online and in-store.

Your card can be linked to your fitness device or phone

Connect your Discovery Bank card to a digital wallet of your choice and then safely use your fitness device or smartphone to pay for whatever you need. Activate Fitbit Pay, Garmin Pay or Samsung Pay for tap-and-go payments wherever you are. With this option, you need only your fitness device and app on your phone. What you won’t need, is to handle a wallet or cards! (Remember to disinfect items that you touch regularly, like your phone.)

Keeping your household connected from the Discovery Bank app 

With a Discovery Bank account, there’s no need to head out to the shops to make sure you stay connected to family and friends this holiday. Buying airtime, data or SMS bundles is just a few taps away on the Discovery Bank app. And, when you have Vitality Money, the Discovery Miles you earn will also come in handy as a payment option that gives you an extra up to 20% off these services that keep you connected to others.

If you manage your household water and electricity use with prepaid services, there’s more good news. You can purchase prepaid water and electricity on the Discovery Bank app and you can pay for it in cash or by redeeming your Discovery Miles. You also qualify for the up to 20% discount when using your Discovery Miles.

Activate Health Banking and skip the queues 

If you need healthcare during this time, activate Health Banking and link your Discovery Health Medical Scheme membership to your debit or credit card with Discovery Bank. This enables you to automatically settle co-payments at pharmacies like Clicks and Dis-Chem, as well as hospitals and medical service providers. This means you won’t need to wait in a queue to pay at a till – you can collect your medicine and Discovery Bank will do the rest. You can avoid queues completely by having your medicine delivered; you’ll get instant notifications of payments through Health Banking.

Remember to be cyber-safe too

As you use digital shopping and banking channels this holiday season, remember to always make your security a priority. When it comes to banking on the app, rest assured that at Discovery Bank we only use the latest and most secure banking security measures on our banking app.

Make sure that you do not fall prey to opportunistic cyber criminals. Educate yourself about some of the latest scams out there and what to look out for when shopping or managing your admin online. We have put together some of the latest trends used by fraudsters, so check out this article and don’t be vulnerable to cybercriminals.

Using contactless payments could help and your Discovery Bank accounts go a long way in helping you take the first steps in a contactless economy; protecting your financial and physical health.

*Fair usage applies.

Save with Discovery Bank  

Whatever your future goals, Discovery Bank has the perfect savings account for you, and the tools to understand the financial behaviours that help you manage your money well. Explore our wide range of savings accounts to build your savings profile and earn rewards for managing your money well with Vitality Money.

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