Step-by-step Guide >>

Frequently Asked Questions

Can gratuities be added to a Contactless payment?

Yes, subject to the terminal capabilities - this would need to be added before the card is presented, as the aggregate total would still be subject to maximum contactless transcation limit (currently £15).

Can I perform a refund using the Contactless reader?

Refunds should be undertaken using the standard chip and PIN interface.

What happens if a Contactless transaction is declined?

The display on the reader will notify the cardholder that the transaction has been declined. The cardholder should then be asked to complete the payment by other means.

Can I accept Contactless cards issued outside the UK?

Contactless cards issued by a non UK bank can be used in the UK wherever the contactless acceptance mark (and relevant card scheme brand) is displayed within the retailer’s environment.     

Will I be able to accept other form factors which use Contactless – such as mobile phones?

Mobile phones and other form factors are being evaluated via pilots but are being developed under the principle that they will work (from the reader perspective) as Contactless cards. Mobile devices and other form factors can be used wherever the contactless acceptance mark (and relevant card scheme brand) is displayed within the retailer’s environment.

Can cashback be provided with a Contactless transaction? 

Cashback is only available in participating retailer locations by way of a full chip and PIN transaction.

What if the reader does not respond?

If the reader does not respond to the card you should:

• Check that the card is a Contactless payment card (check for logo and indicator);
• Ensure the customer is holding their card close to the acceptance mark;
• Ensure that the card is being presented to the reader correctly – if it is at an angle to the reader it may not work;
• Check the reader is plugged in and functioning (if using a separate reader device) – remember to check for any metallic objects near the reader which may interfere with the signal;
• Check the customer is presenting only one card to the reader. If a wallet is presented that contains multiple Contactless cards (whether Visa PayWave, MasterCard ® PayPass™, Oyster, or any other card that uses contactless technology) an error will be detected and the reader will display ‘Please present one card only’.

If you are still unable to process the transaction then you should proceed with a standard card transaction or alternative payment type. At a convenient time you should seek assistance from your manager or equipment supplier.