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1.9. Contactless credit card technology

Contactless credit cards let you make a payment at the checkout by touching or tapping the card against the card reader. These cards look like any other credit card, but can be identified by the universal contactless symbol. 

Contactless cards have a tiny antenna inside them that communicates directly with contactless card payment terminals to process each transaction. Data is only transmitted when the card is close enough to the reader, and it has to physically tap against a reader, so there is very little risk of accidental payments.

It’s also important to note that you will only be charged once if you tap twice. Here’s how a contactless transaction works:

  1. You tap or hold the card against the card reader instead of swiping or inserting it.
  2. When you hear a beep and/or see a light flash, the transaction has been processed.
  3. If your purchase is under $100 in Australia, you don’t need to do anything else, and if it is over $100 you will be prompted to enter your PIN.

Tip: You can still insert or swipe the card and enter your PIN if you don’t want to make a contactless payment. It just takes a little longer.