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Personal Credit Cards

Is an EMV chip credit card the same as contactless payment?

Category: Personal   Service: Credit Cards | Updated: August 1st, 2023

Answer:

No. Contactless cards employ near-field communication technology (NFC), which has a radio antenna that transmits account information, and work by waving or tapping your card in front of a device. Chip cards must be inserted face-up into a chip-enabled merchant terminal that allows the chip to make contact with the reader to authorize and complete a transaction.

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