Contactless FAQ

Q: What is MasterCard contactless?

A: MasterCard contactless is a 'contactless' way to pay for purchases under $100. It's like having exact change wherever you go. A simple tap of your card, key fob or contactless-enabled mobile phone is all it takes to pay at the checkout.

Q: How do I benefit?

A:  There are many benefits with MasterCard contactless functionality. It's like having exact change wherever you go, so you don't have to worry about carrying around a lot of cash or fishing for coins. You are in control because your contactless card or device never leaves your hand at checkout. With contactless you get better record keeping of all your purchases than using cash for those small everyday items. It's fast and ideal at places where you're in a hurry, like at stadiums, fast food restaurants, petrol stations and more.

Q: How can I get my own contactless card or device?

A: To apply for a MasterCard contactless card or device, contact any of the growing number of participating financial institutions (card issuers) listed on our website.

Q: Where can I use contactless card or device?

A: Anywhere you see this symbol at the checkout, you can tap to pay with your contactless card or device. This includes fast food restaurants, petrol stations, convenience stores, pharmacies, stadiums and more.
If you don't see the symbol, your contactless card can still be used by swiping at the checkout, like normal MasterCard cards.

Q: Paying with contactless card or device?

A: To make a purchase, simply tap your contactless card, key fob or contactless-enabled mobile phone on the 'contactless' payment reader at the checkout of participating retail locations.

Q: Can I use my contactless card or device? on contactless payment readers that don't display the contactless logo?

A: No. You can only use contactless functionality where you see the contactless symbol.

Q: How close does the 'tap' have to be to the checkout reader?

A: You need to touch the reader with your card or the wallet your card is in. Please note that if you have more than one contactless card in your wallet, you should remove the specific card you wish to use to pay.

Q: How will purchases appear on my monthly statement?

A: Purchases made with contactless will be displayed on your statement just like any other purchase you make with a regular card.

Q: How does it work?

A: Contactless functionality uses a hidden embedded computer chip and radio frequency antenna. After you tap your contactless card or device at the checkout, payment details are sent wirelessly to the MasterCard network. Moments after you tap, you will receive payment confirmation and be on your way.

Q: What is a key fob or payment tag?

A: A key fob or payment tag is a special contactless device that you can attach to your key chain. Card issuers sometimes provide this as a companion to your traditional MasterCard plastic card. Usually very small and made of plastic, contactless fobs/tags contain the same contactless computer chip and radio frequency antenna as regular contactless cards.

Q: Do I have to treat my contactless card in any special way?

A: Treat your contactless card as you would any credit, debit and prepaid cards. Always know where your contactless card is and keep it in a safe place. Check often to make sure none of your cards/devices is missing. And be sure to keep a record of all your card numbers, expiration dates and emergency phone numbers in a safe place.

Q: Is there a battery?

A: There is no battery used to activate your contactless functionality.

Q: Do I need to turn it on/off?

A: If you have a contactless-enabled mobile phone, there are features allowing you to turn it on or off. If you are using a mobile sticker, it works as if the card and device were always on and ready to use. Contactless cards and fobs are also always on and ready to use.

Q: Is it safe?

A: Yes. With secure encryption technology and Zero Liability protection, your contactless card is as safe as your regular card.

  • You are in control: your contactless enabled payment mechanism never leaves your hands to make a payment.
  • No accidental payments: your contactless enabled payment mechanism must tap the reader at checkout.
  • Not billed twice: Even if you tap more than once at the checkout, you'll only get billed once for your purchase.

Q: Why aren't signatures required?

A: To ensure that using contactless is as quick, simple and convenient as cash, retailers/merchants that accept contactless payments do not need you to sign for small purchases ($100 or less).

Q: What do I do if my contactless card or device has been lost or stolen?

A: If you have lost your card or suspect unauthorised activity on your account, stop using your contactless card or device and immediately contact the financial institution that issued your card.

Q: Questions not answered here

A: If you have a question that has not been answered here, please contact the financial institution that issued your card as only they hold account-specific and unique information. Usually the customer service number for your financial institution will be printed on the back of your card