What Every Merchant Needs to Know About Contactless Payments

The contactless payment adoption was taking a while in the U.S, but the coronavirus pandemic sped things up. It’s easy to see why: other than being more convenient, contactless payments are more sanitary than swiping your card. Here’s what you need to know about contactless payment options and how they can benefit your business.


How Contactless Payments Work


Contactless payments utilize Near-Field Communications (NFC) technology that involves two close-proximity devices on the same frequency. Most of these transactions involve an NFC-enabled credit card and a POS terminal that’s set up to accept it.


Any time a customer brings their credit card within 1.5 inches of the terminal, they exchange bank account information and complete the transaction. Most modern card terminals accept NFC transactions on top of other forms of payment. Older terminals can support NFC payments via an attachable card reader.


Other than NFC-enabled credit cards, customers can take advantage of contactless by using mobile wallets on their smartphones, as well as smartwatches and key fobs. Contactless payments don’t have spending restrictions and don’t cost any more than traditional purchases.


Contactless Security


Contactless transactions involve unique one-time tokens. If the purchase is compromised for some reason, the token can’t be used for making another purchase.


This added layer of protection is very similar to inserting a card’s chip into a card reader. However, contactless transactions process quite a bit faster. Mobile wallets have an additional step of verifying your payment with a PIN, fingerprint, password, or facial recognition.


The only security concern about contactless is that fraudsters could use an NFC card reader to steal your data if they’re physically close to your wallet. That said, the fraudster would need to be within 1.5 inches of your wallet, and tokenization would prevent them from stealing your data anyway.


Contactless Payment Types


Want to start supporting contactless payments? If so, good news: you have plenty of options at your disposal.


• Contactless payment credit cards: These days, all major credit card issuers (Visa, Mastercard, American Express) support contactless technology.


• Google Pay: This is an efficient way to make contactless payments using an android or smartphone device. All you need to do is add your debit or credit card to your Google Pay account.


• Apple Pay: Most Apple devices come with the Apple Wallet app, which allows you to save credit and debit card information to the device. You can then use Apple Pay to make purchases via apps, online, or at in-store terminals.


• Samsung Pay: Much like the above options, Samsung Pay allows you to store your payment information to an app on your phone. Samsung Pay also includes a fingerprint identification system.

How You Can Get Involved


Now that you know why dog rescue is important, you may be interested in how you can help. Fortunately, there are plenty of things you can do. Here’s a quick list:


• Adopt a dog. If you have room in your home, adopting a dog from a shelter is the best thing you can do for these animals. As mentioned above, there are millions of dogs without homes, and each one you adopt makes more room in the shelter for another dog.


• Donate to trusted organizations. All dog shelters could use money, supplies, and donations. These operations tend to depend on the kindness of others, so consider doing your part in ensuring they continue to fight the good fight.


• Volunteer at a local shelter. Other than money, dog shelters need help with cleaning, intake, exercising dogs, and so on. Some shelters have gift shops you can work in from time to time, while others need help introducing dogs to prospective families.


• Share information about shelters. Your local dog shelter likely has a website that contains information on incoming dogs. Share that information on social media to raise awareness of pets in need of a home.


• Foster dogs until they find a home. Fostering is a key part of any dog rescue program. With shelters filling up so fast, foster homes can expand their capacity and prevent needless euthanization. You can foster a dog for a day, a month, or even longer.


If you would like to learn more about the Downtown Dog Rescue organization or volunteer opportunities, please get in touch with our office and we can connect you with one of their team members.



Downtown Dog Rescue – https://downtowndogrescue.org/


Donate to Downtown Dog Rescue – https://downtowndogrescue.org/donate/



Downtown Dog Rescue Contact Information:

Mailing Address:
P.O. Box 90035 Pasadena, CA  91109

Adoptions: 818.407.4145
Pet Support Space: 213.403.0129
Fax: 213.402.5064


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