{"id":9362,"date":"2022-08-24T15:10:50","date_gmt":"2022-08-24T15:10:50","guid":{"rendered":"https:\/\/trc-parus.ru\/?p=9362"},"modified":"2022-09-15T21:53:46","modified_gmt":"2022-09-15T21:53:46","slug":"contactless-tap-payments-and-apple-pay-explained","status":"publish","type":"post","link":"https:\/\/trc-parus.ru\/blog\/contactless-tap-payments-and-apple-pay-explained\/","title":{"rendered":"Contactless, Tap Payments, and Apple Pay Explained"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"9362\" class=\"elementor elementor-9362\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-37bcc2f e-flex e-con-boxed e-con e-parent\" data-id=\"37bcc2f\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6fd1327 elementor-widget elementor-widget-text-editor\" data-id=\"6fd1327\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.18.0 - 20-12-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); text-align: var(--text-align); font-size: 1rem;\">Around the year 2020, the usage of contactless payments drastically increased as customers and businesses looked for ways to minimize physical handling of cash and payment terminals such as PIN pads. In Canada and U.S., the use of contactless payments increased by 150% within a one year period. It is growing very fast because of its convenience and security.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f3affe4 elementor-widget elementor-widget-heading\" data-id=\"f3affe4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.18.0 - 20-12-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">What are Contactless Payments?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5127b9b elementor-widget elementor-widget-text-editor\" data-id=\"5127b9b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); text-align: var(--text-align); font-size: 1rem;\">Contactless payments most generally refer to payments made using near field communication (NFC) technology which is embedded into credit cards and mobile devices. We describe the technology in more detail below. Sometimes contactless payments are known as &#8220;tap payments&#8221; or even &#8220;Apple Pay&#8221; or &#8220;Samsung Pay&#8221;.<\/span><\/p><p><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); text-align: var(--text-align); font-size: 1rem;\">A contactless payments are the process where a consumer has a mobile device, credit card, or debit card that allows them to hold their device near the payment terminal to conduct a payment transaction without physically touching the payment terminal or PIN pad.<\/span><\/p><p>C<span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: 1rem; font-weight: var( --e-global-typography-text-font-weight ); text-align: var(--text-align);\">ontactless payments were historically used for low value purchases with limits put on by banks. The limit started at around $50 per transaction. However, banks have been increasing the limits over time due to the high popularity of contactless payments. A common limit in 2022 is around $250.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0b9e5c4 elementor-widget elementor-widget-heading\" data-id=\"0b9e5c4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">A Quick History of Contactless Payments<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cce1f71 elementor-widget elementor-widget-text-editor\" data-id=\"cce1f71\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div style=\"box-sizing: border-box; color: #333333; font-family: Poppins, sans-serif; font-size: 16px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\">Although contactless payments for general consumers has only recently become popular, there is a long history of it and the underlying technology.<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24d6641 elementor-widget elementor-widget-text-editor\" data-id=\"24d6641\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li><b style=\"background-color: transparent; color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; text-align: var(--text-align);\">2004<\/b><span style=\"background-color: transparent; color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); text-align: var(--text-align);\">: Contactless credit cards were used for the first time in United States.<\/span><\/li><li><b>2008<\/b>: All major credit card brands (Visa, AMEX, and MasterCard) start offering contactless credit cards.<\/li><li><b>2010:<\/b>\u00a0Samsung NEXUS S became the first Android with NFC support.<\/li><li><b>2011<\/b>: Google Wallet and Android Pay start contactless payments with a smartphone.<\/li><li><b>2014<\/b>: Apple announces the launch of Apple Pay so you can tap and pay with your iPhone. The first iPhone with Apple Pay was the iPhone 6.<\/li><li><b>2015<\/b>: Wearable technology devices, like the Apple watch, offer contactless payments.<\/li><li><b>2017<\/b>: North America implements\u00a0<a href=\"https:\/\/trc-parus.ru\/blog\/what-is-emv-in-payment-processing\/\">EMV<\/a> which makes merchants responsible for fraud if the merchant do not attempt to use EMV certified payment terminals. Since contactless is EMV, many merchants switch to NFC-capable payment terminals that support contactless payments.<\/li><li style=\"font-size: 16px;\"><span style=\"font-weight: bold; background-color: transparent; color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; text-align: var(--text-align);\">2019<\/span><span style=\"background-color: transparent; color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); text-align: var(--text-align);\">: Across Canada and U.S. most banks and credit unions start offering contactless credit cards and debit cards.<br \/><\/span><\/li><li style=\"font-size: 16px;\"><span style=\"font-weight: bold; background-color: transparent; color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; text-align: var(--text-align);\">2020<\/span><span style=\"background-color: transparent; color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); text-align: var(--text-align);\">: Contactless payments see massive growth primarily due to COVID along with the high availability of contactless mobile devices, credit cards, and payment terminals. Consumer habits pushed the change.<br \/><br \/><\/span><\/li><\/ul><div><p>As we move forward into the future, we will see contactless payments and related technologies continue to grow. Payments will become more embedded into our devices, apps, and software that we use every day.\u00a0<\/p><p>This evolution will broaden the term &#8220;contactless&#8221; to mean more than purely NFC enabled payments to include anything that creates &#8220;seamless&#8221; payments. We will also see new methods to streamline the experience and improve security with biometrics, voice recognition, and location awareness.<\/p><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa37c5d elementor-widget elementor-widget-heading\" data-id=\"fa37c5d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The Benefits of Accepting Contactless Payments<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aac711e elementor-widget elementor-widget-text-editor\" data-id=\"aac711e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: 1rem; font-weight: var( --e-global-typography-text-font-weight ); text-align: var(--text-align);\">There are many benefits of contactless payments for both merchants and consumers. Due to the benefits below, you can easily understand why it is growing so fast.\u00a0<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8fed5c3 elementor-widget elementor-widget-heading\" data-id=\"8fed5c3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Very fast transactions<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3dff0fd elementor-widget elementor-widget-text-editor\" data-id=\"3dff0fd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>You don&#8217;t have to enter a PIN for contactless transactions. You don&#8217;t even need to touch a terminal. This means fewer line ups and a faster checkout experience. This is good news for merchants and consumers.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5297ea1 elementor-widget elementor-widget-heading\" data-id=\"5297ea1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">No need to carry a wallet<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8208d6 elementor-widget elementor-widget-text-editor\" data-id=\"e8208d6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Consumers don&#8217;t need to carry a wallet. This is another layer of convenience. It turns out that consumers are more likely to forget their wallet than their phone. Therefore, consumers can purchase even if they forgot their wallet which will also increase unplanned purchases. All consumers need is a phone that supports NFC, which is most phones these days.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a7f29b2 elementor-widget elementor-widget-heading\" data-id=\"a7f29b2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Secure and EMV compatible<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-daac8a8 elementor-widget elementor-widget-text-editor\" data-id=\"daac8a8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Contactless payments along with NFC technology is very secure. A device needs to be within 4cm of a payment terminal for it to transact. In addition, if there is any interference with other contactless devices or credit cards, the transaction will not be supported. The fact that contactless payments are EMV compatible means that merchants do not hold the liability for fraud. This is really good news for merchants.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f25fb4 elementor-widget elementor-widget-heading\" data-id=\"6f25fb4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Hygienic and COVID-safe<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9ffb61 elementor-widget elementor-widget-text-editor\" data-id=\"e9ffb61\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Contactless payments minimize any physical contact, reduces line up congestion, and speeds up the time someone is in their store. This means that contactless payments is hygienic and COVID-safe which is very important for consumers and merchants.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ffa948 elementor-widget elementor-widget-heading\" data-id=\"9ffa948\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is NFC (Near Field Communication) Technology<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cfdf4d8 elementor-widget elementor-widget-text-editor\" data-id=\"cfdf4d8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>NFC technology allows devices that are in close proximity to each other to easily communicate and share data. Unlike WiFi or Bluetooth, NFC is limited to an extremely short range, generally less than 10cm. In payments, they have limited its use to 4cm.\u00a0<\/p><p><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); text-align: var(--text-align); font-size: 1rem;\">NFC is based on communication between two antennas, or &#8220;chips&#8221;, present on NFC-enabled devices.\u00a0<\/span><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: 1rem; font-weight: var( --e-global-typography-text-font-weight ); text-align: var(--text-align);\">NFC technology is increasingly used in security, access control, gaming, marketing and customer engagement.\u00a0<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1989dbf elementor-widget elementor-widget-heading\" data-id=\"1989dbf\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How do I Accept Contactless Payments as a Merchant?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f26d4f3 elementor-widget elementor-widget-text-editor\" data-id=\"f26d4f3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>If you want to accept contactless payments, you will need an NFC enabled device. The good news is that most payment terminals these days support NFC. Almost all credit card machines that TRC-Parus offer is a contactless device. You will see a symbol similar to the one below on most credit cards, devices, and payment terminals that support contactless payments.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f31c3bf elementor-widget elementor-widget-image\" data-id=\"f31c3bf\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.18.0 - 20-12-2023 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/trc-parus.ru\/wp-content\/uploads\/2022\/08\/Contactless-Clearly-Payments-1024x683.jpg\" class=\"attachment-large size-large wp-image-9490\" alt=\"Contactless credit card processing with TRC-Parus\" srcset=\"https:\/\/trc-parus.ru\/wp-content\/uploads\/2022\/08\/Contactless-Clearly-Payments-1024x683.jpg 1024w, https:\/\/trc-parus.ru\/wp-content\/uploads\/2022\/08\/Contactless-Clearly-Payments-300x200.jpg 300w, https:\/\/trc-parus.ru\/wp-content\/uploads\/2022\/08\/Contactless-Clearly-Payments-768x512.jpg 768w, https:\/\/trc-parus.ru\/wp-content\/uploads\/2022\/08\/Contactless-Clearly-Payments-1536x1024.jpg 1536w, https:\/\/trc-parus.ru\/wp-content\/uploads\/2022\/08\/Contactless-Clearly-Payments-2048x1365.jpg 2048w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Around the year 2020, the usage of contactless payments drastically increased as customers and businesses looked for ways to minimize physical handling of cash and payment terminals such as PIN pads. In Canada and U.S., the use of contactless payments increased by 150% within a one year period. It is growing very fast because of [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":6094,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[31],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Contactless, Tap Payments, and Apple Pay Explained - Credit Card Processing and Merchant Account<\/title>\n<meta name=\"description\" content=\"An overview of contactless, tap payments, and Apple Pay explained along with the related technology like NFC (Near Field Communication)\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/trc-parus.ru\/blog\/contactless-tap-payments-and-apple-pay-explained\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Contactless, Tap Payments, and Apple Pay Explained - 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