Contactless payment: understand how it works
How about finding out everything about one of the best inventions of recent times, which is contactless payment and starting to make your life easier from now on? Find out everything here.
Did you imagine a few years ago that today we would be living in an era with so much technology that is capable of things we couldn't even imagine? Fortunately, many things that have emerged in recent years have made our lives easier and more things are always emerging to make our lives even easier.
When we talk about purchases that are made by card, we know that it has become increasingly modern, as a few years ago it was very difficult to find people with a credit card and today it is very difficult to find someone who does not have a card.
In fact, the use of cards, both debit and credit, has grown so much that currently the use of physical money has become less and less and has even made it difficult for establishments that still need physical money, especially for change, and do not have the sufficient, as most purchases were made using cards.
A few years ago, when we were going to make a purchase using a credit card, it was necessary to have a photo ID proving that you were that person and on the card receipt it was necessary for the person to sign for the purchase to be authorized.
Today we have the idea that it is a technology that emerged recently, but has become popular with the public and that many can no longer live without, as it has made it much easier, including for those who were unable to memorize their card passwords.
And that's what we'll talk about in today's text. Throughout the text you will discover what contactless payment is, how it works and what precautions you should take when using it.
What is contactless payment?
Contactless payment emerged as an idea to create a type of contactless payment, since when we were going to pay for something by card, it was necessary to hand the card to the attendant so he could insert it into the machine, and especially during the COVID pandemic. -19 having this contact was not recommended.
Using contactless payment allows you to pay for something without having to insert your card into the machine and also without having to enter your card password and to do this, just bring your card to the machine and it will compute yours. sale.
Of course, that card machine must also be a machine that accepts contactless payments and that your card also has the contactless option, but most cards and machines already have this option available.
This technology is already so advanced that in some cases it is no longer necessary to have a physical card with you, as some banks allow you to make purchases directly from your cell phone using a digital wallet or even through the bank's application. your card.
How does contactless payment work?
This contactless payment technology is called NFC, also known as Near Field Communication, and is a technology that allows a transaction between two or more electronic devices just by bringing them together. This connection happens through electromagnetic waves.
In fact, this is a technology that has been possible between smartphones for some time, such as devices that connect via Bluetooth or airdrop and can share files quickly and easily without needing any connection via electronic cables.
An approximation transaction can only happen if your card has a chip, as this chip contains NFC technology and it sends electromagnetic waves to the device (in this case the card machine) and it can process the transaction.
Generally, this transaction is completed in just a few seconds, the same amount of time that would last after you enter the password in a transaction made by inserting the card and after the transaction is completed, the machine emits a beep confirming that the payment has been completed.
What precautions should we take when using contactless payment?
Although having payment via contactless is a great help, we must take some precautions to be able to use it safely.
Pre-authorized limit
This is extremely necessary to provide more security for your payments via contactless, and it is even something that banks already pre-establish to guarantee the security of their customers.
The pre-authorized limit is an amount (generally R$200.00) released for making purchases via contactless.
You can even make higher value purchases, but the machine will ask you to enter your password to complete the purchase.
This happens if you lose your card and someone tries to make large purchases via contact, this way the person will only be able to complete the purchase by entering the password.
You can modify this limit up or down directly in your bank's app.
Keep the card with you
It is also important that you always keep the card with you and not give it to the attendant at the time of purchase, as that is exactly what it is for.
Leave the card with you until it is time to make the approach and then you can position the card in the correct place on the machine for the transaction to take place.
This prevents possible cloning or data collection from being carried out.
Check the purchase price
When we use the card to make contactless payments, we often do not check the purchase amount on the display before touching the card and this can cause problems for you.
Before approaching your card, always check the value on the machine's screen and only then approach your card, as this will save you the headache of having to request a refund or even losing money.
Conclusion
Now you know everything about contactless purchasing, from what it is, how it works to the precautions you should take to use it, so now it's time to get out there and take advantage of this technology that makes our lives so much easier.
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