Contactless Q&A

Contactless payment is a secure method for you to purchase products or services with your WeSwap card by simply tapping your card near a point-of-sale terminal like a card reader in a shop or restaurant.

Anytime you see this contactless symbol, it means you can use your card for a contactless payment.

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Although you would not usually be required to enter your PIN, from time-to-time a CHIP & PIN transaction will be requested. This is designed to deter fraudulent use should your card be lost or stolen; each time a PIN is used it re-affirms you are in possession of your card. 

Remember, once your card's activated, you'll need to use it first with CHIP and PIN to activate contactless payments.

 

HOW DOES CONTACTLESS WORK?
Wherever you see the contactless symbol, you can simply tap your card against the reader to pay for your purchase. 

You must first make a contact transaction (i.e. CHIP and PIN) before you can tap your card to make contactless payments.  This is a security feature that prevents someone from fraudulently using your card while it is on its way to you.  

It’s currently  not possible to disable  contactless payments, but you can decide to block (and unblock) your card anytime by going to My Card tab in the WeSwap app or the  My WeSwap Card under the Welcome section of the online dashboard. This will disable any kind of payments with your WeSwap card.

 

CAN I USE MY CONTACTLESS CARD AT ANY POS DEVICE GLOBALLY?
You can use your WeSwap contactless cards at any contactless-enabled POS device that accepts MasterCard.  Find out where you can use your contactless card here.

Please be aware that the contactless transaction limit of £45 may vary depending on local limits (may be more or less).

 

WHAT ARE THE LIMITS FOR CONTACTLESS PAYMENTS?
Contactless payment limits vary by country. However, these have been set at £45 or the equivalent in another currency by WeSwap. If you want to make a transaction over £45, you will need to perform the transaction using your CHIP and PIN at the terminal.

You can do a maximum of 5 consecutive contactless transactions, when you reach this limit you will need to use CHIP and PIN to reset the counter. 

This limit is set by The Second Payment Services Directive (PSD2). You can find more information by visiting https://www.fca.org.uk/news/press-releases/fca-finalises-revised-psd2-requirements 

For more information have a look here: https://en.wikipedia.org/wiki/Contactless_payment 

There are no additional fees for contactless transactions.

 

IS THERE ANY CHANCE THAT CONTACTLESS PAYMENTS MAY BE TAKEN TWICE FROM MY ACCOUNT OR AN UNKNOWINGLY PAYMENT HAPPEN IF I SIMPLY WALK PAST A CARD READER?
No. Contactless card readers are only able to make one transaction at a time.

As a safeguard, each transaction must be complete or void before another can take place. 

The purchase amount must be entered first for approval and your card has to be within centimetres of the reader to make a payment. Terminals can only process one payment at a time.

WILL I RECEIVE A RECEIPT FOR MY CONTACTLESS TRANSACTION?
If you'd like a receipt to confirm the contactless transaction, just ask the merchant when you pay.

 

CAN I USE CONTACTLESS TO GET CASH BACK?
Unfortunately no.

The WeSwap card doesn't have the cashback function and will not work for these types of transactions.

 

HOW CAN I UPDATE MY CARD WITH A CONTACTLESS ONE?
Customers who signed up from the 21st of February 2018 will automatically be issued a contactless card.

The ones who signed up before, will receive a contactless card when their card is next renewed (at expiry) or when you ask for a replacement.

Please note for replacement cards a fee of £4.95 applies.

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