Tap Cards: Convenience Meets Caution

Tap-to-pay, or “contactless,” payments have become one of the fastest and easiest ways to complete a transaction. With a simple wave of a card or smartphone, customers can pay in seconds — no swiping or inserting required.

At Bankcard Solutions, we know how valuable that speed and convenience can be for both businesses and customers. But it’s also important to understand the risks and best practices that come with this technology.

The Benefits

• Faster checkouts: Tap cards reduce transaction time, keeping lines moving and customers happy.
• Touch-free convenience: Ideal for restaurants, retail, and service industries where hygiene and speed matter.
• Enhanced security: Tap payments use encrypted, one-time transaction codes — so your actual card number isn’t transmitted.

The Risks

• Unattended or lost cards: Because tap limits are often below the PIN threshold, a lost or stolen card can be used for small purchases without verification.
• “Digital pickpocketing” myths vs. reality: While RFID skimming is rare with modern cards, it’s still smart to use RFID-blocking wallets and stay aware in crowded areas.
• Business responsibility: Merchants should ensure their terminals (like the Valor Paytech VP800) are PCI compliant and properly updated to minimize fraud exposure.

Stay Secure with Bankcard Solutions

Our goal is to keep your business running smoothly — with the latest technology, local support, and guidance to help protect your transactions.

If you have questions about contactless payments or want to review your system’s security settings, reach out to John Haire at Bankcard Solutions. He’s local, experienced, and here to help you process with confidence.