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Step-by-step Guide >>
Illustrated Step-by-Step Guide
How do I process a Contactless transaction?
Please be aware that depending on the equipment you are using, and the way it is set up, some of these steps may differ slightly. If you have any questions please ask your manager, refer to your equipment guide, or contact your acquiring bank.
The process below reflects transactions made at stand alone point of sale terminals. While those using integrated terminals will follow a similar process, retailers may choose to provide their staff with a guide specific to the equipment they are using.
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Step 1 |
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RETAILER ACTION Key the transaction amount in pence on the terminal keypad (e.g. for £2.30 enter 0230).
Press the ENTER button on the terminal. If you make a mistake press the CLEAR button and re-enter the correct amount. |
Since the amount is less than the Contactless transaction limit (currently £10.00 or less) the customer is given the option of paying using Contactless or chip and PIN.
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Please note: integrated tills will have a similar process. |
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Step 2 |
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RETAILER ACTION The customer should be advised to remove their card from their wallet and to hold it to the acceptance mark (as shown below) on the Reader within 10cm.
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CUSTOMER ACTION For a contactless transaction the customer should hold their card to the Contactless reader.
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Please note: for integrated tills, a device message may appear on the display guiding the operator what to tell the customer. |
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Step 3 |
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RETAILER ACTION None. Please wait. |
The Contactless reader display will confirm the transaction has been successful; there will be an audible success tone and a visual indication (lights and/or an ‘Approved’ message on the display).
The terminal will now print a merchant receipt - confirming that the transaction has been successful and is complete. |
What if a security check is requested?
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As part of a routine verification check customers will occasionally be requested to insert the card and carry out a full chip and PIN transaction.
RETAILER ACTION The customer should be advised that a routine Contactless security check is required; a full chip and PIN transaction will be required to allow continued use of the Contactless functionality on their card. |
CUSTOMER ACTION The transaction should then be progressed by the retailer as a normal chip & PIN transaction (or using an alternative tender type if this is the customer preference).
Advise the customer that they should have no problem using Contactless when they next come to use their card |
What if a cardholder requests a receipt?
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Customer receipts are optional for Contactless transactions, but you must provide one if requested by the customer.
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RETAILER ACTION Select 'yes'. If your terminal does not give you the specific option, press the 00 key at the ready prompt. This must be done before the next transaction takes place. |
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Please note: integrated tills or retailer owned tills may display an alternative message related to receipts. |
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