 ANZ has launched ATM solution based on Visa payWave in 2015, where the consumer tap the card on a reader at the ATM and insert a PIN to finalize the cash withdrawals, and not all merchants offer the facility.Bank debit cards and other credit cards do not currently offer a contactless payment facility.ePAL is developing a contactless payment system for debit cards based on EMV technology as well as an extension of debit cards for use for on-line transactions, and a mobile payment system.