Quick Wertkarte

Quick Paylife of Bank GmbH is the Austrian electronic purse. Quick allows the numbers smaller amounts of money without signature and PIN - code entry via chip card.

Numbers to Quick

Cards with Quick function ( as of 2012)

  • 8.5 million ATM cards
  • Around 490,000 Quick value cards

Quick Payments (2012 )

  • Around 26.45 million transactions
  • Around EUR 110 million turnover

Maps

Quick is now represented on all Austrian Maestro cards. Add to that the non- account-related value cards Paylife Bank GmbH either in neutral form (Quick - value cards) or the design of a venturer (called Affinity - value cards ) are issued. Likewise, additional Quick- chips can be integrated into corporate cards. In addition, there are already about 200,000 edu.cards ( an electronic student card with Quick payment function ).

With Quick only payments can be made that do not exceed the current balance on the card. Thus, the owner of the card can define the limit itself, in case of loss of card, however, the amount loaded is lost and can not be locked. An advantage of this payment method is that only when loading a bank posting with any rows fees will be, not the numbers, which is the case with direct terminal payments against it. The loads and a certain number of payments stored in the chip in a log and can be read by a chip card reader.

The charge of Quick is at approximately 7,700 ATMs and bank-owned foyer machines (end of 2011) possible. The maximum charge amount is 400 €. A load transaction always takes place online, the charge amount is the cardholder who makes the charge, charged and credited to a pool account.

Payment with Quick takes place today at about 68,000 PayLife - cash, as well as around 20,000 Quick terminals. The limitation of the payment is the amount loaded. Payment transactions are carried out offline, the payment amount will be deducted from the chip and stored in the payment terminal. The revenue submission by the Quick- acceptors via cable or via special Einreichkarten. The payment amount will be charged to the pool account and credited to the acceptor.

Quick is accepted as means of payment

Since 2011, however, put some plants in order to new terminals, which do not allow quick payments more because they had been used by few customers.

  • ÖBB
  • SPAR
  • Dayli

Types of cards

There is the quick payment function on different types of cards:

Quick contactless

On September 27, 2012 PayLife presented with Quick NEW a hybrid card with which you can pay contactless both by inserting the card as well. The contactless Quick value card enables the simple, lightning-fast, secure payments of amounts up to a maximum of 400 euros. Loading the Quick Card at each teller machines, possible foyer ATMs in banks and on Quick- charging stations with an amount up to a maximum of 400 euros. This one puts out the Maestro debit card and selects the " load another card ". In the future, the contactless Quick value map should also over the Internet, can be downloaded on the mobile phone or PayLife ATM cash. When paying with Quick one does not require a PIN code or signature, regardless of whether it is a contactless transaction or whether a transaction is carried out by inserting the card. From the middle of 2013 about 3 million Austrian ATM cards are equipped contactless cards in the course of regular exchange with Quick. Since the introduction of contactless Quick existed until the end of 2012 with more than 9,000 quick- contactless cards already around 100,000 contactless transactions.

Quick on the internet

Under the name @ Quick payment runs with this electronic wallet for the internet and is supported by the leading Austrian e-payment providers, but few webshops offer @ Quick as a means of payment because monthly fees are to be paid by the dealer to the operator Paylife while the distribution of smart card readers in Austria is still low, with any commercially available equipment can be used.

Prerequisite for use is adjacent to a commercially available smart card reader to install a free @ Quick plugins. Due to the current smart card reader special actions for dissemination of citizen card in Austria more and more people have the technical prerequisites to use @ Quick.

Comparable systems in other countries

In other countries, many comparable systems of an electronic purse, neither among themselves, however, are still compatible with the Austrian system exist.

  • Germany: Cash Card
  • Netherlands: chipknip
  • Switzerland: CASH
  • International: http://www.mondex.com/
Maestro (debit card) Cigarette machine Stored-value card
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