Frequently Asked Questions
The Munnipay card is a secure, multi-function, digital payment card that can hold and behave like multiple cards you already carry. A single Munnipay card conveniently consolidates your credit / debit card in one place. It even offers a lock facility for added security.
The Munnipay card is the same size as any other regular credit / debit card and can be used anywhere you use those cards.
Munnipay card offers convenience by combining several cards into a single card. It also provides additional security features not found on regular cards.
Your existing cards are securely loaded via a provided mobile app. The card you want to use can be managed on the Munnipay card itself or via this app.
You can use it anywhere EMV chip or contactless payments are accepted as well as for online payments.
Yes. The Munnipay card can work anywhere the card loaded onto it is accepted.
The Munnipay card will work in any ATM or point of sale terminal that reads the EMV chip.
From a payment point of view the Munnipay card has the same security as a regular EMV payment card. It has additional security features not found on regular cards such as: a user programmable access code; lock & unlock on the card or via the Munnipay mobile app. Also, during a transaction, only the last four digits of the card number are shown on the display. Munnipay has a secure process to ensure that you and only you can use your Munnipay card. Several authentication steps in verifying your identity are included in your setup process. These steps are in place to prevent anyone else fraudulently using your Munnipay card.
Card data is not stored on our servers or on your mobile app.
Because it uses what is known as "tokenized" data, if one of your cards is compromised in a third party data breach, your issuer is able to send a new "token" of your card to your mobile device which can then be downloaded to your Munnipay card.
For your security, we use a unique encryption relationship between your Munnipay card and mobile device. Once paired, your Munnipay card cannot be accessed by any other mobile device.
No. You can use your card without having your mobile device with you. Your mobile device is required for the initial setup and for adding or removing cards on your Munnipay card.
Yes. We are working with a number of partners who wish to provide payment functionality in devices such as rings, watches and wristbands.
About Munnipay card app
The Munnipay mobile app is available for Android and iOS devices via the Playstore and Appstore.
Your Munnipay card connects to your mobile device via a Bluetooth or NFC connection, depending on the features of the mobile device.
The app is intuitive and easy to use. Adding cards is as simple as taking a photograph or typing in the information manually. The app guides you through the process step by step.
This depends on the model of your Munnipay card. Some Munnipay cards support the storing of 5 credit/debit cards and others 10 or more.
Yes, by choosing “Add / Delete Card” on the mobile app.
Yes. Munnipay card enhancement and updates are retrofittable and available via the mobile app.
Activation & Set-up
Download the mobile app and follow the instructions to securely set up and uniquely pair your mobile device and Munnipay card.
This depends on the model of your Munnipay card. Some Munnipay cards support the storing of 5 credit/debit cards and others 10 or more. Some models allow any combination of Visa, Mastercard and American Express cards, others all cards from any payment scheme.
Your Munnipay card access code can be set and changed using the mobile app.
Using My Munnipay card
You can select the card you want to pay with using either the mobile app or simply using the on card touch sensitive keypad. The process is simple, intuitive and quick!
The on card touch sensitive keypad allows you to view the whole card number, expiry date and CVV (security code) when this information is needed to make an online purchase.
The current models of Munnipay card do not support magnetic stripe payments.
Yes. This is a great security feature of the Munnipay card!
Simply turn on the card using the power switch and enter your code. It is then ready to use.
Yes, but only when the card is turned on and within NFC or Bluetooth range of the mobile device.
There is a simple yet secure procedure for requesting and resetting access codes via the mobile app.
The access code is changed using the mobile app.
The PIN used for cardholder verification, for example at an ATM or "chip and PIN" point of sale terminal, remains the same as for the original card. For your security, this number is never shown on the Munnipay card display.
Your Munnipay card is secured using an access code so cannot be used by someone else without this code.
To protect you in case your card is stolen and being used fraudulently, in the event of three successive incorrect entries the card will become locked and require a code reset via tha mobile app.
You only need to mobile device to add and delete cards. It does not need to be present to make a payment or select a different card that is already loaded.
Your Munnipay card can still be used as before but you will need to regsiter it with the replacement mobile device and begin a new, secure, authentication and registration with the new device.
You will need to download the app and go through the secure set up procedure and uniquely pair your new mobile device with your Munnipay card. You will then no longer be able to use the Munnipay card with the old mobile device.
Your Munnipay card is secured using an access code so cannot be used by someone else without this code.
You can only load cards for accounts for which you are a registered signatory. This is essential for security purposes.
No. The use of the Munnipay card is transparent to the card issuer and no extra costs are incurred.
The Munnipay card can be referred to as a wallet card because, like your conventional wallet, it can hold several cards.
The Munnipay card uses advanced energy harvesting technology meaning that the card charges itself during normal use. The energy is harvested from point of sale terminals, ATMs and even your mobile device when in close proximity.
The access code is used to unlock the features of the card and to enable payment.
Our advanced energy harvesting technology means your card charges itself in day to day use. Without any contact with an electric field the card will last in excess of 90 days, but the card is designed to last more than 3 years under typical usage.
The words "LOW BATT" or "Recharge" will appear in the display of the card, depending on the model.
The Munnipay mobile app is designed to work on Android and iOS operating systems and is available to download for free via the Playstore and Appstore.
Yes. The Munnipay card is the same size as a standard card and provided the card you have loaded works in an ATM, the Munnipay card will too.
Yes. The on-card display shows the required information which is easily accessed using the buttons on the card.
The Bluetooth is off when the card is not communicating with the mobile device. You choose when to make this connection.
No. In fact this is an important security feature of the Munnipay card. Maintaining an "air-gap" allows the user to choose exactly when they want to connect the card to either a payment network or the mobile device.
Our advanced energy harvesting technology means your card charges itself in day to day use. Without any contact with an electric field the card will last in excess of 90 days, but the card is designed to last more than 3 years under typical usage.
Munnipay technology is not limited to cards and can be applied to the wearable platform of your choice – rings, wristbands, smart watches – the scope is as limitless as your imagination. Let us know your requirements and we can develop a custom solution to meet your needs. Using our global network of manufacturing partners we are able to meet the needs of even the most demanding project.
The Munnipay card is the perfect companion to any mobile wallet. With the Munnipay card, the cards in a mobile wallet can also be stored in the Munnipay card. So when you come across a scenario where you cannot use your mobile wallet to pay, simply pull out your Munnipay card and use that. It even carries the same branding as the mobile wallet.
The Munnipay card can be used anywhere a normal card is used.
There are no upgrades required. The merchant does not need to do anything different nor have any special software or hardware.
The Munnipay card is interchangeable with a normal card for usage and no training is required to accept it.
For security reasons, the Munnipay card is uniquely paired to a single mobile device. You can change the device at any time but the secure set up and authentication procedure will need to be performed with the new device.
The process is designed to make adding new cards safe and secure.
The issuer can send a revised token to the mobile device and update card parameters. Only the card user can access the card itself.
A card issuer can only send messages to the mobile device of the customer, the customer must pair the device and Munnipay card to perform any updates. This includes lock/unlock/disable. However, the issuer is able to stop a specific card if it has been compromised and re-send a new "token" to replace the compromised card.
Yes. This is a great security feature of the Munnipay card!
Yes. The electronics are fully encased within the card body.
We work with world class manufacturing partners in China for electronic assembly using components from many countries including USA and Switzerland. Card body manufacturing is performed at a number of industry approved locations including Taiwan and Australia.
The PC/Mac version of the Wallet application will be provided by the owner of the wallet.
The secure connection uses Bluetooth or NFC, depending on the interfaces available on your mobile device.
The mobile app itself is used to manage cards including the ability to add or remove cards and select preferences. It has been designed to be simple and intuitive.
We continually look for ways to improve our mobile app and expect to release updates from time to time as with most other apps on your mobile device.
The device requires no more or less care than your regular credit or debit cards, though we don't recommend using it to scrape ice from your car windscreen!
Although we do not recommend it, the Munnipay card is perfectly safe to be left in your washing machine or dishwasher.
The Munnipay card is easy to use and can be operated by anyone old enough to carry a credit or debit card. The interface is inutitive to young and old.
Anywhere you use your regular payment cards today!
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