Pay quickly and securely for your purchases everywhere you want to be. Simply tap and pay up to £30 with Visa contactless, or more for some mobile purchases.
With more and more places in the UK where you can make contactless payments, tap and pay is the easy way to make your daily purchases1.
Just add your Visa card, then tap and pay with any NFC-enabled or iOS 6 or later smartphone. And for mobile payments, you can even make purchases over £30, depending on approval from the retailer and your bank.
Make contactless payments with a variety of devices – whether it’s a wearable smart watch, wristband, fob or sticker. Pay effortlessly with all using the power of Visa contactless.
You can use your Visa card to make purchases using your Apple Watch, iPad or iPhone (6 or later)2.
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Google Pay is now the name for all the Google payment products including Android Pay. Google Pay allows you to pay with your Visa card from participating issuers, using popular devices, whether you’re making in-store, in-app or in-app purchases.
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Samsung Pay is a simple and secure way to make mobile payments, accepted almost everywhere† you can tap a contactless bankcard.
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For those moments when you find just what you wanted, but it’s over £30, you can still make a contactless payment on your mobile phone, subject to approval from your bank and the retailer. For contactless card payments, the limit remains £30. To guarantee your security, all purchases above £30 require authentication, either through using a password-protected mobile phone, or through entering your PIN.
More than 400,000 locations in the UK welcome Visa contactless payments. Wherever you see the contactless symbol, you can just tap and pay and you’re on your way. No more wrestling with shopping bags, no need to enter your PIN. It’s everywhere you want to be.
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As contactless payments become the standard method of payment for purchases under £30, your bank will usually issue you with a contactless card automatically when your existing one expires. Otherwise, you can apply for a new contactless card from your bank in the same way you would apply for any other Visa card. Check with your bank for an update on what Visa contactless cards are available.
You can also download the Visa app onto your smartphone from Google Play or Apple App Store to make mobile phone payments.
There are more than one million places where you can use your Visa contactless card, mobile phone or wearable in Europe, 400,000 of which are in the UK. So it’s everywhere you want to be, including retailers like M&S, McDonald’s, Starbucks, WHSmiths, Post Office, EAT, Pret A Manger and The Co-operative Food, as well as many pubs and bars, independent stores, and across all of the Transport for London travel network including London Underground and London buses.
While the contactless card limit is £30, you can now make payments over £30 using your mobile phone, providing your bank and the merchant in question authorises them. It’s safer than carrying cash, and quicker than Chip and PIN.
Contactless payments are more secure than carrying cash for a number of reasons:
No. Visa contactless cards are very safe indeed. In fact, fraud levels for contactless cards are lower than for non-contactless cards. Thanks to the chip and PIN technology, contactless payments are very unattractive to fraudsters.
No. First of all, the contactless chip needs to be very close to the terminal (always less than ten centimetres and usually less than two centimetres) – so generally a tap of the card or phone above the terminal is required to make the payment.
Also, in a typical transaction, the sales assistant has to enter the amount for you to approve first, and then your card or mobile phone has to be held within a couple of centimetres of the terminal for longer than half a second. You should never be asked to hand over your card or mobile phone for a contactless payment.
No. None of the information useful to today’s fraudsters, such as the three-digit CVV code, PIN, Visa passcode, card security code, billing address and other hidden security data, can be read from a bogus terminal.
No, your data is safe. Only your bank can update or change the data on the card.
No. You can only pay once for any transaction. The terminal will not accept two payments for one purchase – just like if you were using Chip and PIN.
No. The Visa contactless technology has ‘anti-collision’ features; this means that if two cards are held to a terminal only one payment will be processed. Or, in some cases, the entire payment may be cancelled. If you do have more than one contactless card, it’s always best to present the one you want to pay with to the terminal – and leave the other in your purse or wallet.
If an Oyster card and a contactless card are presented simultaneously, the Oyster card will generally take priority and be used for the payment. In some cases, the entire payment may be cancelled. You can be sure that only one card will ever be charged. But it’s always best to present the card you want to pay with to the reader – and leave any others in your purse or wallet.
1Source: UK Finance. Contactless Card Statistics June 2017
2Apple Pay is available on your iPhone, iPad, Apple Watch, Mac or Mac Book pro. You can find a full list of Apple Pay compatible devices here: https://support.apple.com/en-gb/KM207105.
Apple, the Apple logo Apple Pay, Touch ID, iPhone, iPad, Apple Watch, iTunes, iSight and Passbook are trademarks of Apple Inc., registered in the U.S. and other countries.
†Samsung Pay is available with participating banks and merchants on selected devices. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.
The Contactless Symbol is a trademark of EMVCo, LLC registered in the UK, US and other countries worldwide