Contactless payments use short-range wireless technology to securely communicate between a contactless card or payment-enabled device and a contactless-enabled checkout terminal.

When you tap or wave your credit card near the contactless symbol , your transaction is complete.

If a merchant does not have the contactless symbol on their payment terminal, your credit card still features a chip and magnetic stripe; both options can be used to make purchases. 

Yes. Here's why:

• Just like a chip card, each transaction is accompanied by a one-time code that securely protects your payment information.
• You can’t pay accidentally — your credit card or device must be less than 2 inches away from the terminal for the sale to be processed. And you won’t be billed more than once, even if you tap more than once.
• You’re protected from unauthorized use of your card or account information by Visa’s Zero Liability Policy.

This is unlikely. For every contactless transaction, a transition-specific, one-time code is created that secures your payment information. The code cannot be reused. Should someone successfully read the information from a contactless payment card, the security features designed into the device, the payment terminal, and the payment system will prevent the information being used for fraudulent purposes. 

Your credit card should never be left unattended. Please take the same precautions you would with any other type of payment card.

If you believe that your card has been put at risk, please contact us as soon as possible at 505-889-7755 (800-347-2838 outside the Albuquerque area).