Contactless

Start 'Tapping'!
July 2, 2024

I recently received my first contactless debit card, and a friend I shop with often is always calling me out for inserting it instead of ‘tapping’ it. My response? “Hey - it took me a good bit to stop swiping and start inserting, so it’s gonna take me a while to remember to tap!”

OFCU’s recent credit card change allowed us to start issuing contactless cards. We will be rolling out a new debit card design in the near future that will also use that technology.  

Like me, you will probably have to get used to tapping your card instead of inserting it – but there are quite a few benefits to having this type of payment method.

Speed & Convenience: Contactless cards have a small embedded chip (not the ‘insert’ chip ) that emits electromagnetic waves.  When you place your card within a few inches of a terminal, your payment information is transferred quickly.

Enhanced Security: These cards are designed with the same security features that help protect against fraud. Plus, the card never leaves your hand during a transaction, reducing the risk of card skimming or theft of card information.  You can still insert or swipe instead of tapping – the choice is yours – this is just another safe way to use your card.

Versatility: They are widely accepted and can be used at millions of locations worldwide that accept contactless payments.

Integration: Most can be used with digital wallets  such as Apple Pay, Google Pay, or Samsung Pay – adding another layer of convenience and security when paying with a mobile device.

Reduced Wear & Tear: Since they do not require insertion into a terminal or frequent swiping, they tend to last longer and don’t often need to be replaced due to damage.

How do you know if your card is contactless?
You will see what looks like a Wi-Fi symbol turned on its side on the front or back of your card - example above.

How easy is it to use a contactless credit or debit card?
A lot of people call them ‘tap cards’, but you usually only need to place your card within a few inches of the payment terminal.

1. Look for the contactless symbol on the payment terminal (same as or similar to what is on your card)
2. Hold your card to the front/top of the terminal.
3. Wait for a beep or green light before removing your card (you can put your card away— you won’t need it again).
4. Follow any instructions on the screen (you might be asked to sign or to enter your PIN).
5. If you don't feel comfortable tapping, go ahead and insert or swipe you card as you normally would.

Super easy!