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Seven things you need to know about tapping

Every time someone in a queue makes a contactless payment, the queue becomes nine seconds shorter.

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Payments expert: Our payments expert, Mario Blazevic, shares seven things worth knowing about contactless payment, also known as tap and pay, which is a new way to pay.

Did you know these seven things about contactless payment?

  1. Every time someone in a queue makes a contactless payment, the queue gets nine seconds shorter.
    It is now rare to see any terminal that does not accept contactless. This means you will no longer have to always put your card into the machine and enter your pin code. Research has shown that every time someone in a queue pays contactlessly, the waiting time for other people in the queue decreases by nine seconds. Doesn’t sound like much of a difference? Imagine you are 15th in a queue. If everyone ahead of you pays contactlessly, you’ll catch that bus that you would otherwise have missed by two minutes.
  2. Tap and pay means you can make payments using a watch - or your phone.
    In addition to paying contactlessly using your bank card, new alternative services are becoming available that enable you to digitise your bank cards themselves. Doing so enables you to pay for purchases using Garmin Pay or Fitbit Pay, or with your phone using Google Pay or Apple Pay. And new technology that makes life easier is appealing and fun for consumers.
  3. You can pay contactlessly in various different ways.
    You can currently tap and pay using a payment card, a phone, a watch or a wristband. It is not inconceivable, however, that in the future you’ll be able to pay using your sunglasses or a key ring. It will be possible to pay using any object that can accommodate a digital bank card.
  4. You can leave your bank card at home if you want!
    If you decide you are going to use your phone, watch or wristband to pay for things, you don’t need to carry your card round with you – your card essentially serves as a back-up and so can be left at home. If you decide you are going to use your card contactlessly, you obviously need to take it with you.
  5. When you pay for something contactlessly, it is impossible for anyone to see your PIN.
    Paying contactlessly involves waving your device over a payment terminal and verifying the payment by tapping OK. This means you don’t need to worry about someone behind you in the queue seeing your PIN code.
  6. You will still collect reward scheme points when you pay contactlessly.
    Wondering what happens with regard to reward schemes such as Tesco, Co-op Food or CircleK when you pay contactlessly?
    If you pay contactlessly using your bank card or wristband, you will still receive reward points just as if you had put your card into the terminal and entered your pin.
    If you pay using Apple Pay or Google Pay, you currently cannot link your card to Norwegian reward schemes. This will probably become possible in the future.
  7. Keeping track of what you’re spending is just as easy as before.
    All the new ways of paying discussed here are linked to your bank card and the bank account you choose to use. This means you can keep track of your spending, regardless of which payment method you choose to use.