Contactless payment – See how this technology works

Have you ever imagined paying for a purchase with a credit card without having to enter a password or even take the card out of your wallet?

In fact, this is already possible with NFC (Near Field Communication) technology, which translated means “proximity field communication”.

In today's article, you will discover how this technology works and more details about it.

So be sure to check it out and stay informed!

How does contactless payment work?

As mentioned before, the “magic” works thanks to NFC technology. With it, it is not necessary to insert the card into the machine to pay for a purchase.

Just a simple approximation is enough. Furthermore, there is no need to enter a password.

In the case of cards, they come equipped with a chip, responsible for wireless communication.

However, NFC technology is largely responsible for conversation or information exchange between two nearby devices.

Operation data is transmitted via codes, eliminating the need for interference from other equipment.

The cards with contactless payment They are known as contactless cards, this word means “without contact”.

In other words, there is no need for physical contact with the recipient to complete the purchase.

In addition to being compatible with credit, debit and prepaid cards, NFC technology It is also useful for cell phones, bracelets, watches and smartwatch glasses.

How do I know if my card supports contactless payments?

Well, normally, your digital account app informs you that your card has Contactless technology, but if you haven't seen this information, it's easy to find out.

Contactless payment cards have a wireless communication symbol, very similar to the WI-FI symbol.

It is usually located near the chip. In addition, this symbol is always facing sideways, to the right. See the image below.

Is this technology safe?

This is a very common question among card users, even I asked myself about it at the beginning and it is absolutely normal.

After all, this involves our money. However, rest assured, it is safe to do so. contactless payment, this technology is reliable.

Your bank details remain safe and secure, only you have access to them through your bank's app.

Another positive point to highlight related to security is that this card model is more difficult to clone, due to its data encryption.

So, if you have a contactless card, but haven't paid by approximation yet, you can rest assured and start using it today!

How to pay by NFC?

First, check if you need to enable this feature in the app. Some cards require you to unlock this feature.

However, others are unlocked on the first purchase or do not require enabling this function.

So, with your card ready, make your purchases with peace of mind. When paying, inform whether it is credit or debit and let them know that you will pay by contactless payment.

There is no need to insert the card into the machine or hand it over to the attendant. When he speaks, hold the card close to the side with the chip and that's it.

Look, it's a quick move, the technology can do the reading in just a few seconds. You get closer, you take it!

Conclusion

THE contactless payment It's great, safe, practical and fast. It saves us time in line and we don't even need to worry about a password.

NFC technology has certainly come to make our lives much easier.

So, try it out today! Now, if you still don't feel confident about paying this way, no problem, do it at your own pace.

When it comes to our data and money, it's normal to be more careful.

Need help organizing your financial life? Find out more 7 Instagram profiles to learn financial education. Read the text!