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If you have a credit card, cell phone, watch, bracelet, or other device with contactless technology you can make low-cost purchases faster and easier.
Who says that it is the Bank of Portugal, who decided to make available a "kit" of various answers that can go against the doubts that 39 ;he has.
contactless technology?
Contactless cards are payment cards with proximity reading technology. These cards allow you to make payments without having to enter the PIN: for this purpose, just approach the card (normally within 4 centimeters) of an automatic payment terminal (TPA). ) ready to receive contactless payments.
Debit cards, credit cards and prepaid cards with contactless technology.
Cards and TPAs with contactless technology are identified by the following symbol: qCard symbol
without contact
How does contactless technology work?
Contactless technology is activated as soon as you use the contactless card for the first time at an ATM or as soon as you make a
Contactless payment secure?
Contactless technology offers greater security to cardholders and better protection against fraud attempts, as it makes it easy for you to pay without
To make a payment with contactless technology, it is still necessary that the trader enters the value of the transaction in the APT first. Then the customer will always confirm the value of the transaction. Once the value has been confirmed, the customer will have to reconcile the TPA card with contactless technology, usually less than 4 centimeters, for the transaction to take place.
In addition, card issuers have defined a set of control elements to ensure the security of these cards: a maximum amount per contactless transaction and a limit of consecutive payments
In contactless cards , for security reasons, there are limits to payments that you can make without having to enter the PIN code:
• Each contactless payment can not exceed the maximum value allowed (usually 20 euros).
• There is a limit to the amount of consecutive payments you can make without entering the PIN (usually 60 euros).
The Bank of Portugal advises you to inform the entity that issued your card (eg, your bank) any applicable limits
.
If you reach the limit of consecutive transactions without entering the PIN code (usually 60 euros), you can only redo this transaction after performing an operation, in TPA or in an ATM, in which you enter the PIN of the card in question.
In which situations, even if the transaction is within the defined limits, you may need to insert the PIN?
This can happen occasionally. Do not be surprised if this happens to you: it's just an extra security measure applicable to this type of transaction.
Contactless cards can be used in TPA without contactless technology.
Cards with contactless technology also can be used to make non-recourse payments to this technology, including in TPA that are not ready to process contactless payments.
If abroad can you make contactless transactions?
If you are traveling abroad and intend to make contactless transactions, please inquire about the rules applicable in the country of destination. If you wish, you can always disable the contactless feature of your card. To do this, you must contact the issuer of your card (if any, your bank).
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