Contactless cards are designed in such ways that the user finds it easy to use and transact with them. Imagine a scenario where you can buy and pay for goods without having to enter your PIN; it seems easy, right? Most businesses, shops, and restaurants have taken on this technology, whereby they have put in place contactless reader devices that make the life of a shopper more efficient.

You might be asking yourself, how do I know I am using a contactless card? Well, apart from seeing the logo on your credit card, you can also check your statement, and these transactions will always appear within the first section of your statement. Always check a few days after your purchases, and don’t be alarmed if you find “view pending transactions”; it means they have not yet reflected.

At times, you may not be able to easily discern whether your card is capable of contactless transactions. If you are still in doubt about how these cards work, read along with me and let us find out more in terms of how these cards work, how to know the kind of card you are using, and when to check your statements. Let’s get into the details.

Contactless Card

How Do Contactless Credit Cards Work?

Just like the name suggests, this type of credit card was created initially so people could shop effortlessly without too much hassle. For instance, if you have such a card and you want to want to make a payment in a business with a contactless reader, all you will have to do is to hold it over the reader. It’s as simple as that, and transactions happen so quickly that it may make you forget why you ever thought chip transactions were worth it. Depending on the card you are using, if the price is below $30, you will not be required to enter any PIN.

If it’s your first time using a contactless card, you will be required to enter your PIN. However, after that, you will generally not have to input a PIN during future transactions since they’ll automatically be contactless. Furthermore, for the card to work, you need to position it close to the reader. It’s recommended to place it around 2 to 4 centimeters close. If the price is more than $30, depending on the card you are using, you might be required to input a PIN.

As a pro tip, once in a while, input your PIN even for transactions less than $30. This might help you in the long run if you tend to use these services often. Also, look out for the contactless symbol, which is four curved lines radiating rightwards – more like a tilted Wi-Fi symbol. Also, check to confirm whether your card was issued after 17th November 2017, as these are the only cards accepted worldwide.

If you are looking to establish a contactless card under your name, you can log onto your card issuer’s website, inquire as to whether your bank issues them, request one, and you should be able to receive one as long as you are eligible. You can even call their customer care helpline or visit the nearest branch for more information.

Steps on How to Use Contactless Credit Cards

The first step is to look for a contactless symbol whenever you are making the payment. After that, you will only have to hold your card close to the reader, and you will see a beep or green light indicating that your payment is being processed. It’s as simple as that! Very few steps are required of you.

Bottom Line

There you have it, folks, I hope these few tips have given you an idea as to how a contactless card works and how to get one. If you are still in doubt, visit your card issuer’s website for more information. And, as always, remember to keep your cards safe and never disclose your PIN online to anyone.

Note: There are risks involved when applying for and using a credit card. Consult the bank’s terms and conditions page for more information.