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Download the RMB Private Bank App


Get the RMB Private Bank App

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#JUSTTAP

At these spots

#JustTap whenever you see the contactless sign.
Use RMB Pay at these retailers, at selected stores.
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Frequently asked questions

What is it?
As part of our digital payments strategy we are pleased to announce the arrival of Fitbit Pay™ and Garmin Pay™, extending the convenience of contactless payments to smart wearable devices.

As an RMB Private Bank customer you no longer need to worry about carrying cash or cards, but can enjoy peace of mind when making payment using one of our convenient and secure digital solutions.
How does it work?
RMB Pay, along with Fitbit Pay™ and Garmin Pay™ use contactless payment technology to ensure a convenient, faster and safer way to pay.

To access Fitbit Pay™ and Garmin Pay™, check the Fitbit and Garmin websites to ensure you have a compatible device.

Fitbit Pay™ and Garmin Pay™ is available to existing RMB Private Bank clients who have the latest compatible Fitbit and Garmin devices and have downloaded the Fitbit and Garmin Apps onto their smartphones (iOS and Android).

All you have to do is load your RMB Private Bank card details onto the Fitbit Pay™ and Garmin Pay™ Apps, authenticate using the OTP received and make payments with ease from your wrist with just a tap.
Does it cost anything?
No, there are no additional service fees or charges.
How do I get it?
To access this service, ensure you have a compatible Fitbit or Garmin device and have downloaded the devices app to your phone. You may find a list of compatible devices and device set up guides on the Fitbit and Garmin websites.
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Zapper QR code usage

RMB Private Bank customers will no longer be able to scan Zapper QR codes to make payments using the RMB Private Bank App.
This is due to changes that Zapper are making to their systems, preventing other apps from scanning their QR codes.
As an RMB Private Bank customer you can still enjoy Scan to Pay on the RMB Private Bank App at numerous retailers & merchants where QR code payments are accepted, including Checkers, Engen, Pick n Pay, Shoprite and Takealot.
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Scan to Pay FAQs

What is Scan to Pay?

Scan to Pay is a RMB Pay feature on the RMB Private Bank App, enabling you to scan most local QR codes including Masterpass and Payfast presented to you in shops, on point-of-sale devices (POS), on invoices/statements or on websites and pay with your RMB Private Bank cards already linked to the RMB Private Bank App.


How do I get access to Scan to Pay?

You need to ensure you have downloaded the RMB Private Bank App and that your device/phone is verified. Scan to Pay can be accessed via RMB Private Bank App which is under the Payments tab on your RMB Private Bank App. No need to register, load your card details or to create a separate username and password, all this is already available in one place, on the RMB Private Bank App. For added convenience, the Scan to Pay feature is available via Android and iOS widgets, enabling you to access the feature directly from your devices home screen.


How do I pay using Scan to Pay?

Launch the RMB Private Bank App, Select Payments, RMB Pay then Scan to Pay, then simply scan the QR code presented (in shops, on POS, on invoices/statements or on websites), enter the amount (if not already populated), select the card, confirm payment, both you and the merchant/retailer will receive confirmation of the transaction. Alternatively, use the Scan to Pay widget, all you will need to do is enable the widget before accessing Scan to Pay from your devices home screen.


How do I add a widget?



Android

  1. Open 'Widget Home Screen' & select 'RMB Private Bank App'
  2. The RMB Private Bank App will open and select 'Scan to Pay'
  3. Wait for widget setup confirmation & select 'Close'


iOS

  1. Swipe left to right on your device to access your widgets and scroll down to select 'Edit'
  2. Add the 'Scan to Pay' widget, move it to the top of the list and select 'Done'
  3. Select the widget to complete the set up and select 'close' on the success screen


Will Scan to Pay work on my phone?

Scan to Pay is not limited to a specific phone type or operating system. Scan to Pay is available on any smartphone that the RMB Private bank App is downloaded on.


What is the cost of Scan to Pay?

Scan to Pay is part of the RMB Private Bank App which is free. Transactions are handled as card transactions and therefore there are no additional fees. Doing a transaction will use almost no data, the same as a WhatsApp message.


What are the benefits of Scan to Pay?

  • Scan to Pay is integrated into the RMB Private bank App which makes it both convenient and safe, no need to download another app and include your card details on that app.
  • Scan to Pay further enables a cashless lifestyle. Whether you buy coffee, something at a weekend market, or paying a bill, Scan to Pay will work for you.
  • The RMB Private bank App allows you to pay without cash, or a physical card at the point of purchase, It is safe and you don't need to worry about having multiple apps for different QR codes.
  • Fewer apps occupying your all-important phone storage and using your data
  • Furthermore, added security features such as app login with password or biometrics make the Scan to Pay feature one of the safest ways to pay.


Where can I use Scan to Pay?

At most local or international merchant/retailer with a QR code for you to Scan, e.g. Masterpass, and PayFast.


Is it safe to pay with Scan to Pay?

Absolutely yes! Scan to Pay can only be used after you have logged into the RMB Private bank App with your password or biometric.


Will I earn eBucks for Scan to Pay transactions?

Scan to Pay transactions are seen as card transactions and the same eBucks rules and rewards level allocations will apply for these transactions.


Will I be able to use my new card for Scan to Pay?

Yes, once your card is activated it is automatically added to the RMB Private bank App and will be available on your list of cards to be selected for Scan to Pay transactions. Your card needs to be allowed for online purchases in order to also be allowed for Scan to Pay transactions.


What should I do if I see a Scan to Pay transaction that was not done by me?

The same process will have to be followed as for any unauthorised card transaction. Please contact the disputes/fraud department immediately on the following numbers:
South Africa: 087 575 9444
Outside South Africa: +27 11 369 2924


What will I need the numbers displayed underneath the QR code image for?

These numbers can be entered in the event that your phone camera is not working or unable to scan the code at that time. A feature allowing for the manual capture of these codes will be introduced later.


Up to what limit can I use for Scan to Pay transactions?

The same limits that apply for card transactions will also apply for Scan to Pay transactions.


What must I do if I get an "invalid QR code" error?

This means that the QR code might have been scanned incorrectly. First try to scan the code again. If the error persists, then it is possible that the QR code may be invalid or one of the very few unsupported QR codes.
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Ways to add Scan to Pay on your phone for added convenience and faster payments:

Set up Scan to Pay widget

iOS

(To access this screen, unlock your device and swipe to the right)
  1. On your device's "Today Screen/ Widget Screen", scroll to the bottom and select "Edit".
  2. Add the "Scan to Pay" widget, position it towards the top of the list and select "Done".
  3. Select the newly added Scan to Pay widget and follow the prompts to set it up.
  4. Once successfully set up, you can select "Close" on the "Success Screen".
  5. When ready to make a payment, access your "Today Screen/Widget Screen" and select the Scan to Pay widget.
  6. The RMB Private Bank App will launch, log in and scan the QR Code.

Android

(To access this screen, hold down onto an empty space on your home screen and access the "RMB Private Bank App" in the widget menu)
  1. From your device's "Widget Home Screen" select the "RMB Private Bank App " widget.
  2. The RMB Private Bank App will automatically open, select "Scan to Pay".
  3. The successful widget setup confirmation screen will be displayed.
  4. Select "close".
  5. When you are ready to make a payment, select "Scan to Pay" from your device home screen.
  6. Log into the RMB Private Bank App and scan the QR Code.

Set up Scan to Pay shortcut on your smartphone

Please note this is only applicable for Android devices
Step1:
Hold/press down on the RMB Private Bank App icon on your device.
  • The following shortcuts will be displayed: Balances, Payments, Buy, Transfers and Scan to Pay.
Step2:
Hold/press down on Scan to Pay shortcut option and drag it across the screen to create a Scan to Pay shortcut on your device.
Step3:
Select/click on the Scan to Pay shortcut and you will get redirected.
  • When you select the Scan to Pay shortcut on your screen, you will be prompted to log in then be redirected to the camera screen.
Step4:
Scan QR code and proceed with payment as per the existing Scan to Pay process.
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Security and technology

Overview
Client safety forms the cornerstone of our digital payment solutions.
We use the latest technologies and techniques to ensure transactions are secure.
Security: What you need to know
Your sensitive payment data is secured using the latest payment technology and techniques. Despite the security inherent in our digital payment solutions, the point of sale device will also prompt you to enter your card PIN for certain transactions while making a contactless payment. Further security measures are designed to protect you when using our digital payment solutions such as your card PIN, device passcode and your RMB Private Bank App username & password. These should only be known to you and never be shared with anyone.
Visa token service
  • Replaces a traditional card account number with a unique payment digital identifier
  • Restricts the use of a payment token by device, merchant, transaction type or channel
Technology: What you need to know
For contactless payments, the underlying technologies in use include HCE (Host Card Emulation) and NFC (Near Field Communication); both follow the EMVCo standards for effecting secure contactless mobile payments. These technologies also enable the likes of Apple Pay and Android Pay.
RMB Pay Checkout and Scan to Pay use the latest security standards for "card not present" forms of payment. The resulting transaction is fully 3D Secure compliant ensuring the relevant protections for both the card-holder and merchant.
Token qualities
  • Enhanced security: Sensitive card information not shared with merchant
  • Format preserving: EMVCo token uses standard ISO 8583 message format
  • Domain controlled: Use restricted by specific domain / requestor
  • Independent: Acts independent from PAN, requires ID&V
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How to set up Fitbit

How to set up Fitbit Pay™ onto your device:
  • Open the Fitbit App on your phone
  • Select 'Set up a Device'
  • Accept Fitbit Ts & Cs
  • Create device PIN
  • Device will now appear on list of devices
How to add your card on Fitbit Pay™:
  • Open the Fitbit App on your phone
  • Tap the picture of your watch on the top left corner
  • Select 'Fitbit Wallet'
  • Set up a 4-digit PIN
  • Enter RMB Private Bank card details as listed
  • Accept Ts & Cs
  • Tap the 'Activate on Ionic' or whichever Fitbit device name you have
Please note, the PIN code is to prevent others from making payments using your watch.

Every time you wear your Fitbit you will be required to enter this 4-digit PIN. For your security, the Fitbit stays in an authenticated mode for 24 hours or until you take your Fitbit watch off your wrist.

You can switch cards anytime on the Fitbit mobile App and your card number/details will never be stored on your device or Fitbit services. When you pay, your card number/details will never be shared by Fitbit merchants.
Step-by-step authentication on Fitbit:
  • Open Fitbit App on your phone
  • Tap the picture of your watch in top left corner
  • Select 'Fitbit Wallet'
  • Set up a 4-digit PIN
How to make a payment:
  • Press and hold the left button on Fitbit
  • Hold the Fitbit display near the card reader
  • Tap onto card reader. You will feel a pulse and see a check mark on the Fitbit display meaning Payment is complete
How to maintain your card:
  • Should you wish to change your cards, all maintenance can be done on the Fitbit Mobile App
To access this service, ensure you have a compatible Fitbit device and have downloaded the device's app to your phone. You may find a list of compatible devices and device setup guides on the Fitbit website at www.fitbit.com.
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How to set up Garmin

How to set up Garmin Pay™ onto your device:
  • Download and launch Garmin Connect App on your smartphone
  • Follow instructions to set up a Garmin Connect account or sign into an existing account
  • Pair your device to Garmin Connect by following the on-screen instructions - ensure Bluetooth is turned on your smartphone and your device is in phone pairing mode
  • During set-up it will ask you if you want to set up Garmin Pay™ now, alternatively you can set this up later in Garmin Connect App by going to Garmin Devices - Select your device - Select Garmin Pay™
  • Select Create your Wallet
How to add your RMB card onto Garmin Pay™
  • Create a 4-digit passcode to secure the wallet on your device
  • Select 'Visa' to add any of your RMB Private Bank card to the wallet
  • Enter RMB Private Bank card details or select 'Scan my card' to take a picture of your RMB Private Bank card
  • Accept bank Ts and Cs
Step-up authentication
  • Select 'Step-up authentication method' (SMS/email)
  • Enter OTP received from RMB Private Bank
How to make a payment:
  • Press and hold button on device to open the controls menu page and navigate to the Wallet icon
  • Select the 'Wallet' icon
  • Enter your 4-digit passcode
  • Your card will appear on screen. To switch cards swipe down or press the down button
  • You will be prompted to hold your device near the card reader
  • The watch will vibrate and display a green checkmark when the payment has been successful
  • While you are wearing the watch, you can make payments for the rest of the day without entering your passcode again. If you disable heart rate monitoring by removing the watch from your wrist or 24 hours have lapsed you must enter your passcode again before making a payment.
How to maintain your card:
  • You can view your wallet in Garmin Connect App by selecting Garmin Devices
  • Select your device
  • Select Garmin Pay™
  • Select 'Manage my wallet'
  • Select a payment card
  • Options to temporarily suspend your card or delete it from your wallet will be displayed
To access this service, ensure you have a compatible Garmin device and have downloaded the device's app to your phone. You may find a list of compatible devices and device setup guides on the Garmin website at www.garmin.co.za.

RMB PAY

#JustTap with RMB Pay

Start using RMB Pay on your Android smartphone, for the fastest way to pay wherever contactless payments are accepted.

THE MOST CONVENIENT WAY TO PAY WITH

Scan to Pay

Pay from your smartphone using the RMB Private Bank App to scan a QR code to pay
RMB Private Bank customers will no longer be able to scan Zapper QR codes to make payments using the RMB Private Bank App.

WEARABLES

Tap your fitness watch to pay

Convenient - make payments on the go, if you want to grab a smoothie after a work out, while running errands or to collect a take away meal.
Simple - just tap your compatible fitness watch to make a payment.
Secure - Your device is protected by a passcode and certain transactions will require your card PIN. This should only be known to you and never divulged to anyone else.
Safe - when making payments you will get inContact notifications. If you lose your watch you are protected by your device passcode and your card PIN.
Buy your fitness watch now from
www.ebucks.co.za or
www.fnbconnect.co.za

USE YOUR SMARTPHONE FOR EASY PAYMENTS

#JustTap with RMB Pay at major retailers

RMB Pay is now available at big brands such as Engen, Mr Price, Pick n Pay to mention a few. This means you can now #JustTap for just about anything with the RMB Private Bank App and your Android smartphone - the coolest, fastest way to pay.

WHAT THIS IS

Pay in-store using your smartphone

RMB Pay is a convenient, safe and secure alternative to making payments in-store without the need for a card or cash.
To use RMB Pay, you only need to download the RMB Private Bank App and register your qualifying card (when ready to make a payment look out for the contactless logo). Simply unlock your Android smartphone and tap it on the card machine.
Using your smartphone to pay for purchases in-store is just as secure as using your card.

GETTING STARTED

Download, register & tap

Setting up RMB Pay on your Android phone

  1. Have the latest version of the RMB Private Bank App downloaded on your smartphone
  2. Ensure your phone has the latest version of Android (4.4 or higher) and NFC (Near Field Communication) enabled
  3. Register an RMB Private Bank Debit Card or RMB Private Bank Credit Card for RMB Pay

Register for RMB Pay

Select RMB Pay on the RMB Private Bank App.
Use RMB Pay whenever you see the contactless symbol.

HOW IT WORKS

All it takes is one tap

UNLOCK

Simply unlock your smartphone with your device passcode (pattern, password, PIN or fingerprint).

TAP

Tap your phone on the card machine. You may need to hold the phone down for a few seconds. Please note your smartphone must be unlocked for payment to be successful.

CONFIRM

Your phone will vibrate once for a successful payment and you will receive a push notifcation. For amounts over R500 you will need to enter your PIN on the card machine.

MERCHANTS' INFO

Set up your business for contactless payments

If you already accept credit or debit cards, all you need is an industry standard contactless-enabled point-of-sale (POS) terminal that facilitates retail or forecourt transactions in a merchant environment.

FAQS

Understanding RMB Pay

All your questions answered about the fastest way to pay wherever contactless payments are accepted.

GET STARTED

RMB Private Bank App

Download now