Contactless payment

When making a contactless payment, you hold your card just a few centimetres away from a payment terminal that has the contactless feature enabled. You neither have to insert the card into the terminal, nor do you have to touch the terminal. Wireless technology (near-field communication/NFC) enables the relevant payment data to be transmitted in encrypted form.

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"In Switzerland: You do not need to enter your PIN code for amounts under CHF 80. For amounts of CHF 80 or more, you will have to enter your PIN code or provide your signature. Please note what it says on the display.

Abroad: You do need to enter your PIN code for small amounts. The threshold varies from country to country. In the EU, for example, you do not need to enter your PIN code for amounts under EUR 25."

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If your card has the contactless symbol, you can use it for contactless payments immediately without the need for you to sign up for it.

Kontaktlos-Symbol

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Payment terminals showing the following symbol:

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No, you can make as many contactless payments as you wish.

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A card with the contactless function enables you to benefit from all the advantages of a normal card while making contactless payments at the same time. Simply hold your card against the contactless symbol (situated on the display or on the side of the payment terminal) for a few seconds, and your payment will be confirmed. You do not have enter your PIN or provide your signature for amounts under CHF 80.

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Simple

Pay with just one hand movement. If your card and the payment terminal both have the contactless symbol, it means that you can make a contactless payment.

Kontaktlos-Symbol auf Terminal

Kontaktlos-Symbol auf Karte

Secure

Maximum security thanks to the dynamic encryption of transmitted data. You do not let go of your card – it remains in your hand while you make the payment. Only one payment transaction is possible per purchase, even if you hold your card against the payment terminal more than once in succession. For amounts of CHF 80 or more, you must also enter your PIN or provide your signature. Cardholders who fulfil their duty of care are not liable for financial damages.

Quick

Paying without entering your PIN takes only a few seconds. No need to search for coins or notes anymore. No waiting for change.

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Making a contactless payment is just as secure as making a card payment without the contactless facility:

• Your card remains in your hand while you make the payment.

• To make a payment, you must hold your card a few centimetres (less than 4 cm) away from the payment terminal.

• It is only possible to effect one payment transaction per purchase.

• No personal data is transmitted (e.g. name of cardholder).

• Contactless payments without authentication are only possible for amounts up to CHF 80. Payments over CHF 80 automatically involve authentication, i.e. the cardholder must enter their PIN code or provide their signature.

• As in the case of cards without the contactless function, the merchant must first enable the payment. This prevents any unwanted payment.

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As in the case of other forms of payment, it is not possible to guarantee complete protection against fraud. However, if you fulfil your duty of care as a cardholder, Viseca will cover any damages arising from the fraudulent use of your card by third parties.

Your duty of care as a cardholder essentially consists of the following:

• Checking your invoices and informing us in writing of any discrepancies within 30 days.

• Keeping your PIN secret (not writing it down or disclosing it to third parties).

• Keeping your card in a safe place.

• Instructing Viseca to block your card immediately if it becomes lost.

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No. The security technology integrated into the card chip means that this is not possible. For every payment, the card generates a unique cryptogram (based on the secret cryptographic key on the transaction counter chip card and a number randomly generated by the terminal) for the purpose of validating the data. Further information on data protection is available here.

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"It works just like a normal card payment. However, your card does not have to be inserted into the payment terminal. You will see the amount payable on the payment terminal display. Hold your card a few centimetres (less than 4 cm) away from the contactless symbol located either on the display or on the side of the payment terminal. An acoustic and/or visual signal will confirm the payment within a few seconds – and then you’re good to go."

Learn more

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To enable communication between the payment terminal and your card in encrypted form, you must hold your card no more than four centimetres away from the terminal’s contactless payment reader. This will also prevent the payment amount being incorrectly debited to any other card that happens to be in the vicinity.

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