Contactless Card FAQs
Here's all you need to know to confidently use your Contactless card:
Share these tips on how to use contactless Visa cards seamlessly at point-of-sale:
Tap to pay. The cardholder should hold the card within 1-2 inches of the Contactless Symbol . If a contactless card is too far away from the checkout terminal, the terminal may not read the payment at checkout.
Don't angle the card. The contactless card works best when held flat over the Contactless Symbol and not at an angle.
Avoid "card class." Sometimes, cardholders inadvertently hold a wallet with more than one contactless card against the contactless-enabled checkout terminal. In such instances, the checkout terminal may display a message indicating the customer need to present one card only and will not proceed until the cardholder selects a single contactless card. Cardholders then should ensure only one contactless card is tapped.
What are contactless payments?
Contactless payments use short-range wireless technology to quickly complete payments between a contactless- enabled card or payment-enabled device and a contactless-enabled checkout terminal. A contactless Visa card is a chip card that has a near field communication (NFC) antenna, which enables close-range payments. When cardholders tap their contactless card at a contactless-enabled checkout terminal (near the Contactless Symbol), their payment is sent for authorization.
When shown on a card, the EMVCo Contactless Indicator*means the card has the capability to make contactless payments. When shown at a merchant, it means they accept contactless payments. The EMVCo Contactless Symbol*shows the cardholder where to tap their contactless card on the checkout terminal to make a contactless payment.
Do I actually have to tap my card on the contactless-enabled checkout terminal?
No. You do not have to physically tap the card to the terminal. However, your card should be close (within 1-2 inches) to the Contactless Symbol.
How should I hold my card to the contactless-enabled checkout terminal?
The checkout terminal reads the antenna best when the contactless card is flat over the Contactless Symbol, instead of at an angle.
How long do I need to hold my card to the contactless-enabled checkout terminal?
You should hold your contactless card to the terminal for 1-2 seconds.
What are the benefits of contactless payments?
Contactless payments are easy. You simply tap your contactless card on the contactless-enabled checkout terminal. The payments are fast and convenient to use in places where you need to pay on the go. And, just like transactions made with a chip card, each contactless card transaction is accompanied by a one-time code that protects the payment information. So your contactless payments are also secure.
Unlike cash, contactless payments let you keep better records of your purchases. You can still do everything you would do with a non-contactless card, including adding a tip, getting cash back (if available), and more.
How does this technology compare to mobile wallets, like Apple Pay?
Contactless payments use the same NFC (Near Field Communication) technology as mobile wallets, such as Apple Pay and Android Pay.
Where can I use my Commerce Bank Contactless Card?
You can tap to pay wherever you see the Contactless Symbolat checkout. Millions of merchants around the world accept contactless payments, including fast food restaurants, grocery stores, pharmacies, and more.
How do I know if a merchant terminal is contactless-enabled?
Contactless payments are accepted at a contactless-enabled checkout terminal displaying the Contactless Symbol.
How do I use my Commerce Bank Contactless Card at a retailer that is not yet contactless-enabled?
If you don’t see the Contactless Symbol, you can still use your contactless card at an EMV checkout terminal by inserting your card, or at a magnetic stripe terminal by swiping your card.
Can I use my Commerce Bank Contactless Card when traveling internationally?
Yes. You can use your Commerce Bank contactless Visa card where Visa is accepted by tapping it at a contactless- enabled checkout terminal wherever your see the Contactless Symbol , or by inserting the card into an EMV chip terminal, or by swiping the card in a magnetic stripe terminal. In fact, many countries have already adopted contactless payments.
What if I don’t want a contactless card?
Contactless cards will become the standard in the US and Commerce Bank will be transitioning all debit and reloadable prepaid cards to chip cards. Commerce Bank will transition our credit cards to contactless at a later date.
Are there any additional fees associated with contactless cards?
No. There are no additional fees to use your new contactless card.
Has my card information changed?
Your contactless card may have a new expiration date and 3-digit security code so be sure to update your information on your mobile wallets and with billers that charge your card regularly. All other account information will remain the same.
What should I do with my existing Commerce Bank Card?
Once you activate your new contactless card, destroy your existing card immediately for security reasons.
Are contactless cards safe?
Yes. Every time you use your Commerce Bank Contactless Card at a contactless-enabled terminal, each transaction is accompanied by a one-time code that protects your payment information, just like with the chip technology.
Can my contactless card be accidently picked up by a contactless-enabled terminal?
No. Your card must be within 1-2 inches of the contactless-enabled checkout terminal for the transaction to occur. Even if you happen to accidentally tap twice, you will only be billed once for your transaction.
Does the contactless antenna or chip provide an enhanced level of security if I make a purchase using the magnetic stripe on my card or if I make a purchase online?
No. The contactless and chip technology provides an enhanced level of security only when you tap your card or insert your chip card into a chip terminal to make an in-person purchase.
Will contactless cards allow others to track my location?
No. Personal data and card information is not stored on the contactless antenna or on the chip.
Can my card information still be compromised with a contactless card?
Contactless technology is only one layer of security to prevent your Commerce Bank Contactless Card from being fraudulently used and cannot prevent all fraud including, but not limited to, web and phone purchases. You will continue to receive the security benefits of Commerce’s Real-Time Fraud Monitoring and you’re always protected against unauthorized use of your card or account information with Zero Liability1 protection.
1 You must notify Commerce Bank within 60 days of receiving your FIRST statement with unauthorized activity.
Can people "skim" information off a contactless card?
No. For every contactless transaction, a transaction-specific, one-time code is created that secures your payment information. The code cannot be re-used by fraudsters even if they were somehow able to get ahold of it. The information would be useless to them. Your name and account number are not transmitted from your card.
What should I do if my card is lost, stolen, or if I notice fraudulent transactions?
Call Customer Service immediately at 1-800-617-7480. You must contact us within 60 days of the date you received the FIRST statement showing the unauthorized charges.
Will my Commerce Bank Contactless Card still be secure if it only requires my signature to make a purchase?
Yes. The contactless antenna as well as the chip itself is what provides stronger protection against counterfeit fraud by creating a unique transaction code that protects your information when used at a contactless-enabled or chip- enabled terminal. Purchases made using either a “signature” or “PIN” will both receive the enhanced security against counterfeit fraud.
Commerce Bank Chip Debit & Prepaid Cards
How do I pay with my Commerce Bank Contactless Debit or Prepaid Card at a contactless-enabled terminal?
You can tap to pay wherever you see the Contactless Symbolat checkout. Millions of merchants around the world accept contactless payments, including fast food restaurants, grocery stores, pharmacies, and more. If you don’t see the Contactless Symbol, you can still use your contactless card at an EMV checkout terminal by inserting your card, or at a magnetic stripe terminal by swiping your card.
How do I use my Commerce Bank Contactless Debit or Prepaid Card to make a purchase over the phone or online?
You will provide your card information the way you always have when you’re ready to make a purchase.
Do I need to select a new PIN to use with my new contactless card?
No. Your current PIN will work with your new contactless card.
When a Commerce Bank Contactless Debit or Prepaid Card is issued, what card information changes?
The expiration date and the 3-digit security (CVV) code will change. Your card number and PIN will stay the same.
Will my Commerce Bank Contactless Debit or Prepaid Card still work at the ATM?
Yes. You can use your contactless card to withdraw cash, check your balance and more. Your experience at the ATM will remain the same; insert your card like you do today and follow the prompts on the ATM. If the ATM is chip- enabled, insert the card as instructed on the ATM with the chip facing up. Your card will remain in the ATM until your transaction is complete.
What should I do if I use a digital wallet or have recurring payments set-up on my existing card?
You will need to update your new expiration date and 3-digit security code within your digital wallet and with billers that charge your card regularly.
When will I receive my Commerce Bank Contactless Debit or Prepaid Card? Do I need to request one?
If you are an existing Commerce Bank cardholder, there is no need to request a contactless card. We will begin issuing contactless cards starting in late 2018. The new contactless functionality will be automatically included when your card is near its expiration date and due to be re-issued.