You should hold your card to the terminal for 1-2 seconds. In some cases, the contactless reader will function best if you tap the chip on the payment reader itself where you see the contactless symbol. 

No, tapping is not necessary however, does make the transaction faster.

No! The technology behind the contactless card requires the retailer to initiate the payment. The contactless card must be tapped or held within 1-2 inches of the terminal for a transaction to take place. 

Once you are prompted to pay (by the cashier, a light on the checkout terminal, etc.), place your contactless chip card within 1-2 inches of the contactless symbol on the terminal and follow the prompts.

This is the contactless indicator, which means that your debit or credit card can be used to tap to pay on any contactless-enabled payment terminal.

You can tap to pay where you see the Contactless Symbol at checkout. Millions of retailers around the world accept contactless payments, including restaurants, grocery stores, pharmacies, and more.

FAST - Contactless payments are fast and convenient to use in places where you need to pay on the go, such as restaurants, grocery stores, pharmacies, and more. 

EASY - Contactless payments are easy since to process is only tapping the contactless card on the payment terminal to complete the transaction. 

SECURE - Contactless payments are secure because each transaction comes with a one-time security code that protects your payment information. 

Yes! You can use your contactless card at anywhere that contactless-enabled payments are accepted. You are also able to still use the card's chip or swiping options as well. 

Yes! Contactless cards are safe for several reasons: 

Each transaction comes with a one-time code that securely protects a cardholder’s payment information, just like a chip card. 

Cardholders cannot pay accidentally. Their card or device must be within 1-2 inches of the contactless-enabled payment terminal for the transaction to occur.

For every contactless transaction, a transaction-specific, one-time code is created that secures the cardholder’s payment information. The code cannot be re-used by anyone even if they were somehow able to access it. The information would be useless to them. 

Want to apply for a contactless credit card? Go to OUCU Contactless Card and fill out an application to get started.

No problem! You can still use the chip or swipe function on your card at any terminal.