What is a contactless payment?
Contactless cards, otherwise known as tap to pay, use near field communication (NFC) to securely complete payments at a contactless-enabled merchant terminal.
How do I know if a merchant terminal is contactless capable?
Look for the Contactless Symbol
on merchant terminals to determine if they are capable of accepting contactless payments. You can make a contactless payment with your contactless card wherever you see the symbol.
How close should a contactless card be to a contactless capable terminal in order for the terminal to read the card?
The card should be within 1–2 inches of the Contactless Symbol on the terminal. The card may also be placed on the Contactless Symbol on the terminal until the transaction is complete (typically 1–2 seconds).
What is the best way to position the contactless card when making a payment?
Contactless-enabled merchant terminals read the card best when the card is placed flat over the Contactless Symbol. Tapping the edge or corner of the card to the terminal may not be as effective.
Do I need to use the contactless functionality to use the card for all purchases?
No, you can still use your contactless card by inserting it or by swiping it if contactless and chip options are not available on the terminal.
Will contactless cards work outside of the United States?
Yes, you can use your contactless debit or credit card at millions of locations around the world that accept contactless payments by tapping it at a contactless checkout terminal where you see the Contactless Symbol.
Will a PIN be required for contactless transactions?
You may be required to enter a PIN to complete ATM transactions, some debit card purchases, and on rare occasions you may be asked to enter a PIN for purchases when traveling outside the U.S. with a credit card.
Will the contactless feature work at a Bank of America ATM?
Yes, the contactless feature will work at all Bank of America ATMs. Non-Bank of America ATMs may or may not have the ability to facilitate a contactless transaction.