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Hi Kesse, AFAIK that isn't quite the case. I think the problem would be that Paywave might detect multiple $100s at a time and think they are accidental repeat transactions (instead of 1 transaction). You might need to load the giftcards with different amount ie $100, $99, $98 etc.... By...

There is no surcharge. Your $100 gift card costs you $100 from your debit card. The only difference is ING will rebate $5 back within 24 hours. Max $5 per transaction so for a $2k kitchen you would need to make 20 separate transactions. You can spend that time chatting up the most attractive...

For those of you doing a low budget DIY reno you should check out this debit card product from ING. Will help you shave a few more $$ of your IP costs. The offer: Free Visa Debit card from ING with 5% cashback on Paywave purchases until mid 2013 (max $100 per transaction)...