Contactless Payments | Visa

You want fast and secure. We have contactless.

Now you can deliver effortless payment experiences to your customers at point of sale.

Contactless payments

Contactless payments allow your customers to simply tap to pay – with a contactless-enabled card, mobile phone or payment-enabled device.

Benefits

Why go Contactless?

Consumers are shifting to contactless payments because they make transactions fast and secure. Here’s how contactless can benefit your business.

A seamless customer experience

Processing a tap to pay transaction is simple, convenient and secure – and your customers can tap to pay in seconds.

Secure transactions

EMV contactless transactions are more secure than traditional mag-stripe transactions. Visa’s EMV-contactless technology is called quick Visa SmartDebit Credit (qVSDC).

It’s secure. Contactless cards use the same security as chip cards by generating a transaction-specific, one-time-use code, thus protecting your payment information.

Operational efficiency

Contactless payments improve throughput for merchants and reduce the handling of cash. Faster transaction times mean shorter queues and a lesser likelihood of abandoned sales.

Future-proof your business

Investing in contactless now lays the groundwork for the next generation of payment technologies.

As of January 2018, 46% of face-to-face US transactions occur at contactless-enabled locations, up from 34% one year prior.¹

¹ VisaNet, January 2018 and January 2017

Contactless merchant materials

Merchants benefit from our brand presence at POS

Research shows when Visa signage is on a merchant door, consumers in North America are:

Learn more and order contactless Visa signage to let customers know you accept Visa payments.

Source: Value of Visa research was commissioned by Visa, and conducted by an independent research firm, Ipsos Loyalty, using an online survey among credit, debit or prepaid cardholders in June 2017, based on the average Extremely Likely and Very Likely respondents in the Grocery, Retail, Restaurants and Travel/Entertainment categories combined. Lift is relative to absence of signage.

Compare technology

The future of fast, simple and secure payments at the point of sale

Quick Visa Smart Debit Credit (qVSDC) is a more secure way to accept contactless payments than Magnetic Stripe Data (MSD) contactless.

Benefits	MSD Contactless	EMV Contactless (qVSDC)
Security	Follows the traditional magnetic stripe data storage of information with static data for every transaction.	Extra security – with every transaction, a one-time use transaction code (token) is passed.
Interoperability	Only supported by cards issued in North America.	Global support – can be used with contactless cards around the world.
Consumer Experience	Average approval rate is 87.5%.²	Average approval rate is 97.6%.²
Future Facing	Will sunset in April 2019.	Current technology for processing card transactions.

Contactless benefits table

² TRA/MARS authorisation data for contactless cards, June - November 2017