Contactless payment

(Known in English as "contactless payment").

Contactless payment enables fast, secure transactions without physical contact between card and terminal - simply hold the card up to the reader and you're done.

Contactless payment

Contactless payment refers to a modern payment method where customers hold their cards or smartphones in front of a contactless payment terminal to process transactions. This method uses NFC (Near Field Communication) technology, which allows data to be exchanged wirelessly between devices when they are in close proximity. This method enables seamless and fast payment without the need for physical contact. Contactless payment not only offers convenience, but also increases security by encrypting sensitive payment information and reducing the risk of data theft.

This method is used in a variety of industries, including retail stores, restaurants and public transportation. Customers can use their credit cards, debit cards or mobile payment apps that support contactless payments. Using contactless payments can reduce queues and speed up the check-out process, which is beneficial for both customers and merchants.

Contactless payment examples

Supermarket: When shopping in the supermarket, customers can simply hold their card up to the contactless terminal to pay quickly without cash or entering a PIN.

Café: Contactless payment can be used in cafés to purchase coffee and snacks without delay.

Public transport: Passengers can make contactless payments on public transport by holding their card or smartphone to the reader at the entrance.

Contactless payment FAQ

  • Contactless payment is based on NFC (Near Field Communication) technology. This advanced technology enables secure wireless data transmission in close proximity. By using NFC chips in cards and devices, transactions can be carried out smoothly and quickly.

  • Yes, contactless payments are extremely secure and reliable. The NFC technology used encrypts the transmitted data, protecting personal and financial information. In addition, dynamic security codes are generated for each transaction, ensuring secure authentication and minimizing the risk of unauthorized access.

  • In most cases, there is a fixed transaction limit for contactless payments. This measure provides additional security and prevents potential misuse. For higher amounts or regular payments, additional security procedures are usually required.

  • Contactless payments are supported by most credit and debit cards that have NFC-enabled chips. In addition, many modern smartphones with corresponding payment applications offer the possibility to make contactless payments. To ensure that your card or device supports this function, contact your financial institution or the manufacturer of your smartphone.

  • Yes, contactless payments are widespread internationally and available in a large number of countries. However, the acceptance of contactless payments depends on the merchant and their payment systems. It is advisable to check the acceptance of contactless payments in your destination country before traveling abroad to ensure that you can use this convenient payment method.