Depending on the screen, you’ll either tap on, above or below it. When you go to pay, just position your card within a few inches of the checkout screen. So, how do you know if a card is contactless? Easy: Your card will have a contactless symbol – four curved lines that increase in size from left to right – on the front of it.Īnd to determine if a merchant is contactless-enabled, “just look for the contactless symbol at checkout,” Mouadeb says. How can you tell if your card is contactless? This way, consumers can use either method depending on what interface merchants are using. You have to be within close proximity – roughly three inches – to the contactless-enabled credit card terminal for the radio antenna to pick up your card’s signal.Ĭontactless cards are called dual interface cards because they contain the now standard EMV chip and contactless technology. “An antenna picks up when it’s close to a reader and allows info to be transmitted to the point-of-sale terminal.” How do contactless credit cards work?Ĭontactless cards have “a payments app, per se, all built into the card,” says Melanie Gluck, vice president of security solutions at Mastercard. What is a contactless card?Ī contactless card is a chip card with technology embedded in it that lets you pay over a secure radio interface, much like Apple Pay, Android Pay or other mobile wallets. If your current card doesn’t have contactless technology, call your issuer and ask if you can request a contactless replacement card. “They eliminate the need for swiping at checkout or dipping your card into the terminal,” he says.Ĭontactless cards allow you to make payments by tapping your card close to a contactless-enabled point-of-sale terminal, rather than having to insert or swipe it.Īt this point, assume that most issuers offer contactless cards. “Contactless cards make the payment process easier and more efficient,” says Daniel Mouadeb, senior vice president and head of Mainstreet Card at Capital One. So, how do these next-generation chip cards work, and what is different about them? Contactless credit cards are pretty mainstream in the U.S.
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