Back to Payments Glossary
Card Machines

Contactless & Mobile Wallets

Tap-to-pay technology that lets customers pay by holding a card or phone near the terminal, including Apple Pay and Google Pay.

What It Is

Contactless is tap-to-pay technology that lets customers pay by holding a card or phone near the terminal, including Apple Pay and Google Pay.

It covers physical cards, smartphones, smartwatches and other devices loaded with a digital wallet.

How It Works

Near-field communication (NFC) exchanges encrypted payment data over a few centimetres. No PIN is needed below the contactless limit.

For higher amounts, mobile wallets use the phone's own fingerprint or face check to authorise, so security stays tight even above the card limit.

When It's Necessary

Expected by customers everywhere. Critical for fast-paced settings like cafés, takeaways and retail queues.

Any modern terminal should support it as standard — if yours doesn't, you're likely losing speed and sales.

Business Impact

Faster transactions, shorter queues and higher customer satisfaction. The majority of in-person payments are now contactless.

Quicker payments mean you serve more customers in the same time, especially at peak.

Quick Summary

  • What It Is
  • How It Works
  • When It's Necessary
  • Business Impact

Questions About Contactless & Mobile Wallets?

Book a free rate review and we'll read your statement, explain exactly what you're paying, and show you where you could save — in plain English.