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Finance 101

A safer way to pay with Mastercard contactless debit

Posted on November 12, 2020 by Jake Ward

This year has changed the way we do many things, including shopping. The team at R.I.A. Federal Credit Union is constantly looking for ways in which we can make our customers feel more safe and secure while they shop, which is why we’re excited to share our R.I.A. contactless debit card!

 


What is a contactless debit card?


A contactless debit card is a debit card that has a “tap-to-pay” feature which enables customers to have a safe and quick transaction. To use, simply tap the card on, or hold one-to-two inches above, the contactless symbol on the compatible payment terminal. Once you get the ok – you’ll either hear a “beep,” see a checkmark or green light, you’ll know that your transaction went through and you’re good to go.

 


What are the benefits?


Many people are turning to contactless payments because of how safe, easy and secure it makes their purchases.

  • It’s safe – In a time when you’re trying to limit as much human contact as possible, using a contactless debit card is just another way to help you avoid touching surfaces and prevent other people from handling your card.

     

  • It’s easy – You don’t have to worry about which way you’re swiping, or which end of the car you’re inserting into a reader. Simply tap the card on, or hold just above, the payment terminal and you’re done. It’s that simple!

     

  • It’s secure – The card itself has the same security features as a chip card. Plus, each time you make a contactless card payment, the transaction generates a one-time security code to further protect your payment information. And even if you tap twice, you won’t be charged twice.

 

Does the tap-to-pay feature work on my mobile wallet, too?

Yes! In addition to making contactless payments on your debit card, wherever your card is stored (mobile phone, smartwatch, fitness tracker, etc.) will have the Tap & technology.


Does the card come with the ability to block the card in case it’s lost?


Yes! You can control your card right from your R.I.A. app. Turn your card on or off, set purchase limits, and set up real-time alerts to notify you when your card is used. This is a great way to protect yourself in case your card is lost or stolen.


Where can I use my contactless debit card?


Everywhere. Your contactless debit card can still be swiped or inserted into any payment terminal just like you’re used to. The terminal will indicate whether it accepts contactless payments with the contactless symbol. The technology is available at your favorite merchants across the United States, including fast-food restaurants, grocery stores, pharmacies, vending machines, and more.


How can I get a contactless debit card?


If you have an R.I.A. Federal Credit Union debit card that has the contactless symbol on the front, you can instantly start using the tap and go technology anywhere that has a compatible contactless payment terminal! If your current debit card doesn’t not have the contactless payment symbol, visit your nearest R.I.A. Federal Credit Union branch, or call 1-800-742-2848, to have a member of our team get you started!