When the card is "contactless" compatible, the following pictogram is shown on the recto of the card.
You can use your contactless card in all shops that display this logo to pay for all day-to-day small purchases up to 20 euros. Outside shops, you will find this logo on merchants’ shop fronts. You will usually also find a reminder of this logo at the payment point. During payment, this same logo is displayed on the payment terminal. Providing that your purchase is not greater than €20, it is you who decides the payment mode that you are going to use: either "contact" mode (by introducing your card into the payment terminal and entering your confidential code), or in "contactless" mode (by bringing your card within 3 or 4 cm of the screen or the dedicated target, as appropriate, to validate the payment of the amount specified).
At merchants who accept it, you can use your contactless card to pay for small, day-to-day purchases, up to 20 euros. So, with your contactless card, you can pay for bread or your newspaper: no need to look for cash or find the right change. Payment is very simple: you take out your card, you place it on the payment terminal and you have paid! As for all transactions with your card, you receive a till receipt, which you can then use to reconcile the payment with your bank statement.
Your card’s "contactless" function uses a technology known as short wave transmission. To pay, you must bring your card within 3 to 4 cm of the payment terminal screen or the dedicated target, as appropriate, which shows the following pictogram: .
As soon as it is positioned in the correct axis and sufficiently close, your card is activated. There is no need to enter your confidential code. In less than a second, the amount that the merchant has previously entered (maximum €20) is validated. You have paid and your till receipt is output.
No, it is impossible to make a contactless payment without wanting to do so. This is because it is you who triggers the payment by bringing your card to within 3 to 4 cm of the merchant’s terminal to validate the displayed amount. Beyond this distance, your contactless card cannot be activated. You therefore remain in control of your contactless payments. Furthermore, all contactless transactions conclude with the issue of a till receipt.
No, there is no risk of this. As soon as the contactless payment is validated by approaching your card to within 3 or 4 cm, the connection between your card and the payment terminal is automatically and immediately interrupted. To receive a new contactless payment, the merchant must begin the procedure again by entering a new amount.
No, your contactless card remains a means of payment that is strictly personal, like any bank card. So you should never lend it to anyone, including close friends or family.
No, it lets you make all of the payments that you usually make. Your bank card is said to be "dual", which means that it has a dual payment mode:
In all cases, it is you who chooses the payment mode that you wish to use, either "contact" or "contactless". Your card also lets you pay remotely, by providing secured e-merchants with your card number, its expiry date and the card verification value code printed on the back.
In "contactless" mode, this is not possible. As you usually do when you withdraw money, you must use your card in "contact" mode, meaning by introducing it into the terminal and entering your confidential code.
Yes, as for all payments made with your bank card, all transactions are listed on your bank statement, which, as well as the amount, gives the date and the reference of the merchant to whom you make the payment. This is a good time to remind you that your statement should be regularly checked.
As for all payments by bank card, the amount of the purchase is specified on the payment terminal. Before paying for your purchase, whether in contact or contactless mode, make sure that you check the amount indicated on the payment terminal screen. If you choose the contactless mode, it is only after this check that you decide to move your card to within 3 or 4 cm to validate this amount and the transaction. You also have the till receipt, which also confirms the amount that you have just validated.
Yes, contactless payment is faster. Not only do you not have to enter your confidential code for small day-to-day purchases up to €20, but you also save time by no longer looking for coins or notes and not having to wait for your change. This contributes to reducing waiting time at the payment tills.
Yes, this can indeed happen in the following cases:
Yes, the "contactless" standards used by the CB system are international. You can therefore use your card according to the same procedures as in France.
Yes, most banks offer this option.
Contactless cards meet very high international standards for security, which are also certified by the French administration. Contactless cards are also very convenient and quicker for all small amounts paid during day-to-day life. It therefore constitutes real progress and it would be a pity not to benefit from it. However, if you do not wish to have the facilities offered by this function, this is your choice and in this case you should simply contact your bank.
On the whole, yes, other than a few rare exceptions such as withdrawal cards.
If you have reached your combined payment limit in contactless mode, the payment terminal will simply tell you that you must introduce your card into the terminal and enter your confidential code to validate the amount. From then on, your card will be available again for future purchases in contactless mode.
Yes, your contactless card, like all CB bank cards, meets the same requirements and gives you the same guarantees. Thus, in case of fraud, your bank will immediately repay the stolen amounts. You are therefore even more protected than if your wallet was stolen, when the money would be definitively lost.
Yes, but the limit and the random check systems greatly limit the risks. It is not possible to make purchases of more than 20 euros in contactless mode without the confidential code, within the limit of the combined total amount of around 100 euros (the exact amount of this limit is specified by your bank in the various information notices that you receive, particularly when your card is sent). Also, the risk is limited by the fact that, at any time, a random request for the confidential code may be made. In all cases, if you are the victim of fraud, your bank will fully repay the amounts that you have not authorised.
Transactions carried out with the contactless function, and therefore without the confidential code, are not subject to a deductible charge. Any amounts wrongly debited are therefore fully repaid.
The contactless cards do not transmit any power. Like company badges or contactless transport cards, it is the terminal that the contactless card is brought towards that radiates sufficient, but not excess, power to initiate the dialogue and allow the transaction to take place. The contactless technologies used therefore strictly comply with European standards in force, which ensure no effect on the human body.
Magnets produce a fixed electromagnetic field which could impair the magnetic strip of your card, but will not have any effect on the "contactless" part. The cards operate at a frequency of 13.56 MHz, while microwave ovens use a frequency of 2,450 MHz. Nevertheless, the insulation surrounding microwave ovens prevents the variable electromagnetic field from radiating outside, otherwise you yourself would be in danger of being… cooked! The residual radiation will therefore have no effect on you and will have no more effect on your contactless card if it is placed near the oven.
No, contactless cards do not transmit any power and they cannot disrupt each other. It is the terminals on which they are placed that radiate just enough power, without excess, to initiate the dialogue between the card and the terminal. However, if you bring several contactless cards near to a terminal (whether or not they are bank cards), it is highly likely that it will not manage to correctly initiate the dialogue for making a payment, because the cards disrupt each other. But because it is obligatory to take your contactless card out of your wallet, it is unlikely that you would present several cards at the same time within 3 to 4 cm. And if by mischance this did happen, the terminal would detect it and ask you to present a single card.
It is not technically possible to do that using a simple mobile phone. For one thing, the phone would have to be NFC compatible and equipped with a specific spyware application. With an appropriately equipped mobile, the fraudulent capturing of data would only be possible under certain conditions and would require the phone to be positioned close to the contactless card. Remember, these applications are illegal and the use of them is an offence punishable by 2 years in prison and a fine of up to 30,000 euros.
In addition to the risk of being discovered attempting to get very close to people in a public place, the only data fraudsters could read would be the card number and the expiry date, for example. That is less than the information that is printed clearly on the card itself!
These two pieces of information are essential because they allow the correct account to be identified for debiting at the payment terminal and also permit the validity of the card to be verified. However, for a fraudster, these details alone will not be sufficient for the creation of counterfeit cards or to allow them to withdraw money from ATMs. The information could only be used to make purchases on external websites that do not request the security number (the last 3 digits of the number on the back of the card) or do not implement additional security checks such as reinforced authentication, for example, a single-use PIN sent via SMS.
Fraudsters do not favour this method of obtaining data because the chances of success are much too low. This is why there has, to date, been no record of the capturing of card information or major fraud via the contactless interface in France or in any other country where contactless payment has been in use for a long time. Fraudsters prefer to use other methods of acquiring complete data, mainly through the use of spyware and malware installed on computers without the knowledge of the user or through phishing. Today, more than 200 million contactless cards are used every day in Europe with no difficulty.
The CNIL is the authority tasked with ensuring the protection of personal data. The organisation wished to ensure that steps would be taken to prevent access to the names and surnames of the card holders and the transaction histories associated with the cards. As early as September 2013, contactless cards issued by CB would not allow the name of the bearer to be read; the last few generations of cards no longer allow the transaction history to be accessed.
Once again, allow us to remind you that to date, there has been no record of the capturing of data or major fraud via the contactless payment interface, either in France or in other countries in which contactless payment has been in use for a long time.
Although it has been possible to block access to the names, surnames and transaction history via the contactless interface without affecting the smooth completion of the transaction, the standards that currently apply at a global level do not allow the card number and expiry date to be concealed. This information is essential for the identification of the account to be debited and for confirming the validity of the card.
Once again, let us remind you that to date, there has been no record of the capturing of data or major fraud via the contactless payment interface, either in France or in other countries in which contactless payment has been in use for a long time. Fraudsters are more interested in complete sets of data for debit and credit cards rather than the restricted data that can be gleaned about contactless cards. Nonetheless, if any fraud is committed, the bearer will be reimbursed fully and will be viewed without prejudice.
This protective case prevents any interaction between the card and the terminal and therefore makes it impossible to capture data pertaining to the card remotely. Although the protective case offers reassurance in this regard, it is not essential. To date, no case of major fraud or of the capturing of data has been confirmed in France or abroad. Fraudsters are more interested in complete sets of data related to the card than in the partial data that might be gleaned pertaining to contactless cards.
Furthermore, if the bearer of a contactless payment card is the victim of fraud, he or she will be reimbursed in full. By way of comparison, the bearer is better protected with a contactless card than he or she would be if his/her wallet were stolen and the money it contained taken, since in the latter case, the money would be lost without hope of recovery.
The fight against fraud in connection with the various means of payment is a daily battle. Technology is constantly developing and opening up new possibilities to fraudsters. Le CB Bank Cards group is very vigilant and has established a monitoring unit and warning process to protect users. In particular, the unit pays close attention to the work of the international scientific community with regard to the security of card payment systems. Card products, payment terminals, ATMs and other machines are constantly evolving to combat new threats.
The “contactless” payment application on your mobile phone uses what is known as shortwave communication technology. In order to pay, you place the back of your mobile phone no more than 3 to 4 cm from the screen of the payment terminal, on which the following icon is displayed: .
As soon as your mobile is positioned correctly and sufficiently close to the payment terminal, your payment application is activated. There are now two possible scenarios:
- For payments of €20 or less, there is no need to enter your security code: in less than one second, the amount charged by the retailer is validated. It is paid and your receipt is issued.
- For payments of over €20, your mobile payment application asks you to enter your security code on the keypad of your mobile phone. Once you have done so and the code has been validated, you should move your phone towards the payment terminal. The transaction is completed and your receipt issued.
When using your payment application, you may be asked to enter your security code in the following cases:
- When completing a payment of over €20.
- When completing any transaction, regardless of the amount, if you have opted for the code to be requested for all payments, even for amounts of €20 or less.
- When you have reached the limit for cumulative transactions for amounts of €20 or less. According to the banks, this limit varies between €50 and €100. Afterwards, you can re-enter your security code to allow transactions of up to €20 to be completed without the need to enter the code.
- During a random security check, i.e. before you have reached the limit for payments without your code, the system may ask you to enter your security code.
The mobile payment application really is the equivalent of a traditional bank card, contained on your SIM card. Therefore, it benefits from all of the protective mechanisms offered by chip and pin card technology. Mobile payment applications meet the same international security standards and are certified by the French administration on the basis of the same standards as traditional bank cards.
Please contact your bank to check whether your mobile device is compatible with the payment application you wish to install. Certain institutions also offer an online service (on their websites or as part of their mobile applications) which will allow you to check whether or not it is possible to install this type of application on your phone.
Since your mobile operator offers contactless services, it is not necessary to cancel or change your mobile contract. Your mobile operator may give you a new SIM that is compatible with contactless payments free of charge. In any case, your bank will be able to inform and assist you in verifying that your device is compatible with mobile contactless payment applications.
In order to subscribe to the mobile contactless payment service, please contact your bank, where you will be assisted with the process you need to follow.
Once you have a compatible device, no additional charges will be applied to your phone bill. Your bank can inform you about the conditions for use of the mobile contactless payment application.
No – since transactions do not use the Telecom network, they do not generate additional charges.
The retailers who accept mobile contactless payments are the same as those who accept payments using contactless cards. Therefore, you can use your mobile payment application in all stores and businesses in which the logo is displayed for purchases of up to €300. The logo is displayed on the storefronts of shops that accept contactless payments. Generally, you will also see the logo displayed at the cash register. During the transaction, the same logo is displayed on the payment terminal. Provided that the value of your purchase is not over €300, you can make the payment by holding your mobile phone no more than 3 or 4 cm from the screen or the dedicated payment point as applicable to validate the amount indicated. You will be asked to enter your security code on your mobile phone for payments of over €20.
You can use your mobile contactless payment application for payments of up to 300 euros at participating businesses. The payment process is very simple for amounts of €20 and less: once the retailer has entered the amount, you simply place your mobile phone on the payment terminal and the payment is done! If the amount exceeds €20, you will need to enter your security code as default. Once you have done so, the process is the same as that for contactless cards: simply place your mobile phone on the terminal and you are done!
You will always receive a receipt allowing you to identify the transaction on your bank statement, as you do for all transactions using your card.
Since your mobile has a keypad, you can use it to enter a security code and therefore increase security for payments of over €20.
The mobile contactless payment solution is adapted to suit everyday spending. The maximum transaction amount is therefore fixed at €300 to reflect the majority of cases.
The mobile payment application can really be seen as an additional bank card contained in your SIM card, but due to its contactless nature, if differs from a traditional card in terms of its characteristics. You should discuss the limits best suited to your needs with your bank.
In order to make a payment, simply hold your mobile phone no more than no more than 3 or 4 cm from the payment terminal screen or the dedicated payment point as applicable, on which the following icon will be displayed: . You should present the “back” of your phone to the payment terminal so that you can see the instructions that appear on the screen of the phone, especially when you are requested to enter your security code for transactions of over €20.
If you have reached the limit for cumulative payments that do not require you to enter your security code, your payment application will simply notify you that you need to enter your security code on your mobile phone to validate the amount of the next transaction. Your payment application will then be available for subsequent purchases without the need to enter your code for amounts of less than €20.
The maximum monthly limit for contactless payments using a mobile payment application is set by your bank. As is the case with all other bank cards, you will no longer be able to make purchases once you have reached this limit. However, you will always be able to make further purchases using your traditional bank card.
The mobile contactless payment application cannot be used to withdraw money. As usual, you can use your traditional bank card to withdraw cash by inserting it into the ATM and entering your PIN.
If the amount of the transaction is €20 or less, there is no need to unlock your screen. However, if the amount exceeds €20, you will need to unlock the screen to be able to enter your security code as necessary for the validation of the payment.
Making a contactless mobile payment does not require a connection to the mobile network. Therefore, you will have no problem making a payment in an area with no or partial network coverage.
For security and ergonomics reasons (you need to enter your security code for payments of over €20), it is not possible to make contactless payments if the mobile phone is switched off.
You can talk on your mobile phone and use it to make payments at the same time. Therefore, there is no need interrupt your conversation in order to pay using your contactless payment application.
You can talk on your mobile phone and use it to make payments at the same time. There will be no interruption if your phone rings, or if you receive an SMS or other notification while you are making a purchase.
The mobile payment application can really be seen as an additional bank card that is contained on your SIM card. However, the characteristics of the application are different, as are the security codes associated with each. If you have the option of choosing your own security code, we strongly recommend that you choose one that is different to the PIN for your traditional card and ensure you keep it secret.
By contrast, you will be notified of your security in the same way as you would receive your PIN for your traditional card. Your bank will not change its security of confidentiality processes in this regard.
For ergonomic reasons, mobile contactless payment users can enter the security code directly on the keypad of the mobile phone. This is much more practical for the user, since it would not be easy to enter the security code on the payment terminal while holding a mobile phone.
No – like any other bank card, your mobile payment application is a strictly personal means of payment. Therefore, you should not lend it to anyone, even a close friend or relative.
In the same way as a traditional bank card, your mobile payment application will be blocked after you enter your code incorrectly 3 times. You will then need to contact your bank to have your payment application unblocked.
Please note that if your mobile payment application is blocked after your security code has been entered incorrectly 3 times, this will not affect the other functionalities on your mobile phone. You can continue to use it as normal.
As with all bank card transactions, the sale amount is indicated on the payment terminal. Before making your purchase, you should ensure that the sum indicated on the payment terminal screen is correct. Once you have verified the amount, you can then hold your mobile phone 3 or 4 cm from the terminal to validate the amount and the transaction. After the transaction has been completed, a receipt is issued.
No – it is not possible to make a contactless mobile payment unintentionally. You are the one who triggers the payment by holding your mobile phone no more than 3 to 4 cm from the retailer’s terminal to validate the amount indicated. Your mobile payment application cannot be activated beyond this distance. Therefore, you remain in charge of your contactless payments. In addition, a receipt is issued at the end of every contactless transaction.
No, there is no risk of this happening. As soon you have validated the contactless payment by holding your mobile phone no more than 3 or 4 cm from the terminal, the link between your phone and the payment terminal will automatically be severed. In order to make a new contactless payment, the retailer would need to restart the process by entering a new amount on the payment terminal.
As with all bank card transactions, the amount owed is indicated on the payment terminal. Before making your purchase, please check the sum indicated on the screen of the payment terminal carefully. After doing so, you can then hold your mobile 3 or 4 cm from the terminal to validate the amount and complete the transaction. A receipt will be issued at the end of the transaction.
Contactless payments are identified in the same way as all other card payments on your bank statement. Your mobile contactless payments will be distinguished from those payments made using your traditional card.
Yes, the “contactless” standards used by the CB system are international. Therefore, you can use your mobile contactless payment application abroad under the same conditions as in France at retailers who accept this payment method (same payment action, same signage). Before travelling abroad, please do not hesitate to contact your bank for useful information and advice.
If your mobile phone is lost or stolen, you should act just as you would to block a traditional bank card. You will need to contact your bank as quickly as possible in order to block the use of your mobile payment application. Your bank will be able to disable the payment application remotely. You should also contact your mobile operator to block your phone itself to prevent it from being used.
If, however, your application has been used fraudulently in the meantime, all payments of €20 or less will be refunded to your account in full. As with traditional cards, a deduction of €150 applies to amounts of over €20.
The limits and security features reduce risks to a considerable extent, since it is not possible to make payments of over 20 euros without entering the security code. In addition, there is a cumulative limit for purchases of less than €20, which restricts the possibility of completing multiple successive transactions of €20 or less without entering a security code. According to the banks, this purchase limitation is between €50 and €100 as a cumulative sum. Furthermore, it is necessary to enter the security code to make further payments without needing to enter the security code each time.
The deduction of €150 does not apply to transactions made without entering the security code (transactions for less than €20). Therefore, sums debited unduly from your account will be reimbursed in full. This deduction only applies to amounts of over €20.
If this information has been collected, it cannot be used fraudulently in any case. In addition, personal information such as the name and surname of the person who owns the payment application is not communicated or used during the exchange between the terminal and the mobile phone as part of a transaction. Therefore, this personal information cannot be captured. Remember that the use of spyware is illegal and is an offence punishable by 2 years in prison and a fine of up to 30,000 euros.
The most sensitive data is protected in the digital safe that is your SIM card. This data is also protected against malware or spyware.
If you change mobile phone, you need simply ensure that your new phone is compatible with contactless payment (NFC) and restore the payment application using the procedure outlined by the bank.
In the case of the loss or theft of a mobile phone, the process is similar to that for a traditional card. You must simply report the loss or theft to your mobile operator and your bank to block your payment application. Then, you will need to select a mobile phone that is compatible with contactless payments and apply for a new payment application at your bank.
No – the payment application does not give rise to any interaction with the other applications installed on the mobile.
Contactless payment applications do not emit energy of any kind. Just like company ID badges, travel cards or contactless bank cards, it is the terminal with which the application interacts that provides sufficient radiant energy (rather than excessive energy) to initiate the interaction and allow the transaction to take place. The contactless technology used conforms strictly to the applicable European standards, which guarantee that the technology in question will not have any adverse effects on the human body.
In addition, the Telecom network is not used during the completion of a mobile contactless payment transaction.