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About Chip Cards
Ordering and Activation
Security
Using Chip Cards
What is the technology behind tapping to pay?

Tapping to pay uses short-range wireless technology to make secure payments between a contactless card and a contactless-enabled checkout terminal. When you tap your card near the Contactless Symbol, your payment is sent for authorization.

How do I know if my card can make contactless payments?

You'll see the Contactless Indicator on your card.

Where can I use my Debit card?

You can use your debit card online and where you see the Contactless Symbol. If you don’t see the Contactless Symbol on the terminal, you can still swipe or insert your contactless card as well as use your online PIN (Personal Identification Number).

Where can I use my ATM card?

ATM Cards are primarily for use at ATMs but also work at merchant terminals that accept Interlink or Maestro and support online PIN (Personal Identification Number). You can use your ATM card at a terminal where you can insert or swipe your card.

How close does my contactless card need to be to the contactless terminal?

Your contactless card just needs to be within 1 to 2 inches of the Contactless Symbol to initiate a payment.

How long do I need to tap my contactless card on the terminal?

One to two seconds should do it.

Do I have to tap my contactless card on the terminal?

No, actual tapping may not be necessary.

How do I tap my contactless card at the terminal?

It works best when your contactless card is held flat over the Contactless Symbol, versus held at an angle.

Can I use my contactless card to tap to pay outside of the U.S.?

Yes. You can tap to pay at millions of places around the world, wherever you see the Contactless Symbol. In countries like Australia, Canada, the UK and France, over half of retailers currently accept contactless payments. If tapping to pay is not available at a location, you can simply swipe or insert your contactless card at checkout.

Is tapping to pay secure?

Yes. Here’s why:

  • Each contactless card carries the same trusted security as a contact chip card.
  • The one-time code generated every time a contactless card is used at an in-store contactless-enabled terminal protects your payment information, making it extremely effective in reducing counterfeit fraud.
  • The contactless card securely transmits information including the account number, expiration date, and a one-time code that changes for every in-person transaction. The code is different than the code encoded on the magnetic stripe of a card.
  • You can’t pay accidentally—your contactless card must be within 2 inches of the terminal for the transaction to take place. And you won’t be billed twice, even if you accidentally tap twice.
  • Tapping to pay with your contactless card helps you avoid touching surfaces at checkout.
Will contactless cards prevent all fraud from happening?

No. As the industry continues to develop new ways to protect consumers, perpetrators continue to look for new ways to commit fraud. Tap to pay and chip cards provide an additional layer of security, on top of the fraud prevention monitoring we currently provide. You can also rest assured that Visa cards offer protection from any unauthorized use with Visa’s Zero Liability Policy.

When will my ATM/Debit card expire?

ATM/Debit cards will have an expiration date that is approximately five years from the time of issue. The expiration date will be embossed on the card.

What information is transmitted from my contactless card when I tap to pay?

The contactless card securely transmits information including the account number, expiration date, and a one-time code that changes for every in-person transaction. The code is different than the code encoded on the magnetic stripe of the card.