What Is The Contactless Feature On Credit Cards? Know Understanding, Excess And How To Use It

Illustration of credit cards with contactless features (Photo: Pixabay/OleksandrPidvalnyi)

YOGYAKARTA The contactless feature embedded in credit cards and debit cards is one of the innovations in technology that can facilitate financial transactions. Contactless payment technology utilizes a near-field communication antenna or Near Field Communication (NFC). So, what is a contactless feature?

Summarized from various sources, the contactless feature is payment technology that allows credit card owners and debit cards to make transactions only by getting close to or tapping EDC machines with contactless logos.

Contactless transactions include in the authorization of transaction payments available in various card-based financial products, smartphones, and other movable device devices.

How the contactless feature works is by using radio frequency identification or short-distance wireless technology on devices that allow payment with a checkout terminal.

The media used is a chip card that has an NFC antenna that allows transactions without depending on the internet network.

Contactless technology aims to prevent cards from changing hands when conducting financial transactions. This means that the card will remain in the hands of the owner, so that the cashier cannot see important data such as karti numbers, valid thru, 3-digit CVV and so on.

In general, the use of contactless features has a certain nominal limit. Cardholders can make transactions without touching with a value at a bwah of IDR 1 million. Meanwhile, a study with a transaction value of more than IDR 1 million is still required to rotate through the Personal Identification Number (PIN).

Excess Contactless Features

The use of contactless features has several advantages, including:

How To Make Transactions With Contactless Credit Cards

Currently, there are many merchants who provide contactless payment services. The following are steps to make financial transactions with credit cards that have been exploited by the contactless feature.

That's the information about what the contactless feature is. Hopefully this article can add insight to the loyal readers of VOI.ID.