Tap-to-pay is quick and convenient. It also comes with good protections. Here is how contactless payments are kept safe, plus easy tips for extra peace of mind.
How tap-to-pay is protected
- Close range: according to Visa, a card has to be within 1 to 2 inches of a terminal to work.
- One-time codes: each tap uses a unique, one-time code, the same security as a chip card. Mastercard also encrypts each transaction with a unique code.
- Zero liability: Visa and Mastercard zero liability policies mean you are not held responsible for unauthorized charges on eligible cards (Visa).
- Legal limits: the FTC explains that for credit cards your liability for unauthorized charges is capped at $50, and is $0 if only your card number was used.
8 easy tips for extra peace of mind
- Use a blocking card or wallet, like Guardality, to stop unwanted scans of the cards you carry.
- Turn on alerts in your banking app for every purchase.
- Check your statements each month.
- Report a lost card fast; the sooner you report, the better your protection, especially for debit cards.
- Carry only the cards you need each day.
- Use your phone wallet (Apple Pay or Google Pay) when you can; it adds fingerprint or face checks.
- Keep your wallet in a front pocket or zipped bag in busy places.
- Protect your passport in a cover when you travel.
Where Guardality fits in
Guardality is a simple, low-cost way to add one more layer: it shields the cards in your wallet from contactless scans, with nothing to charge. Learn how Guardality works.
Learn more: Guardality reviews, Guardality vs RFID wallets and sleeves and Guardality price and guarantee.
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Frequently asked questions
How close does a contactless card need to be to work?
Visa says within 1 to 2 inches of the terminal.
Am I responsible for unauthorized contactless charges?
Visa and Mastercard zero liability policies protect eligible cardholders, and US law caps credit card liability at $50.
How can I protect my contactless cards?
Use a blocking card or wallet, turn on purchase alerts, check statements and report lost cards quickly.
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