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What Exactly Are Contactless Smart Cards

A contactless smart cards is an essential part of the IT world that people use several times a day. It is similar to a credit card in size, made of plastic, with an embedded microchip, internal memory, and a small antenna. It communicates with a reader through a contactless radio frequency (RF) interface.

Contactless smart cards will become the standard because they are simply a better option for consumers and businesses alike adhering to the Covid-19 written new normal. These touch-free payment solutions enable social distancing to thrive as consumer-marketer transact on technology.

When the card comes in front of the reader’s electromagnetic field, the chip activates and powers on and initiates the communication protocol connecting the card and reader for data transfer.

Likewise, touch-free or contactless payments differ in how you use your debit or credit card. These payment transactions require no physical contact or minimal connection between the card and the checkout device. Rather than swiping or inserting your card, the touch-free card is only tapped or held above the reading machine while the payment information is sent to the merchant wirelessly.

Here are a few advantages of contactless smart cards over magnetic cards.

  1. More secure

Unlike magnetics, smart cards offer better storage, secure data reading, and writing because of superior encryption algorithms and electronic keys. These cards are difficult to hack, forge, or reproduce. Previously, there have been numerous fraud cases with magnetic cards while in transit due to poor security and technology. Contactless smart card technology is deployed at multiple agencies worldwide, and there are no concrete reports of fraud because of inferior quality technology. Investing in a smart card is an investment in security and fraud prevention.

  1. Smart cards are more reliable, faster, and reduce maintenance costs

If you are hesitating to upgrade from magnetics because of the cost factor should consider the long-term benefits in terms of security, reliability, and low maintenance costs. Most of these touch-free payments are a lot quicker than the EMV chip.

It takes only seconds to complete a transaction in a better secure way. The card is with the consumer without exchanging hands, eliminating physical touch risks. The lower maintenance can cover up the higher upfront transaction costs.

  1. Ease of transaction

There are no forms to fill, search for tickets, feed into machines, or navigate a turnstile. However, complicated a transaction, it does not take more than 300 milliseconds to complete. It will look simpler as people get used to doing more transactions.

  1. Transact on the go

Today, consumers are doing most of their transactions from their phones or tablets, and more and more customers are using their mobile devices to keep an account of their card information. Hence, touch-free payments give both your business and your customers the ease of processing transactions anytime and anywhere.

Some payment facilities allow customers to have their transactions processed over the phone, while some others enable customers to enter their card information remotely from their phone. Allowing the customers, the freedom to transact anywhere is a plus point for a business and customer while enhancing the customer experience.

How the pandemic necessitated the change in technology

Covid19 ensured people maintain social distance and avoid physical touch.   Customers avoided in-person visits to stores and preferred the online mode of shopping. They looked for cashless and touch-free transactions, even for the essentials and daily requirements.

Businesses also preferred limited in-person movement in their outlets

Limiting in-person contact and touch-free payments allows them to make a sale without contacting a shared device — and remote payment options might be the best options for businesses.

Make contactless payments

Touch-free payments don’t require physical contact between a customer’s smartphone or credit card and the retailer’s POS. The customer’s card doesn’t change hands, and the cashier also is safe from the need to handle umpteen cards each day.

With the improving technology, there are many ways people can complete their transactions without physical touch. Mobile payments are a big help with mobile wallet options like Google Pay, Apple Pay, and many similar.

Pursue hobbies while at home

Coronavirus had forced the entire world to stay at home with lockdowns and curfews. People who travel a lot in their daily routines had a frustrating experience during the lockdowns as they were unused to sitting at one place. The social distancing limitations also denied people to meet in person.

Now with cashless transactions and touch-free payments, they have the opportunity to purchase products to pursue their hobbies. While many took courses and classes on paintings, cooking, etc., others bought gym equipment and developed their health and body. Many others took to virtual classes on computer courses, yoga, fitness, etc.

Small businesses can upgrade their payment options and choose cashless transactions using their cards. Send a mobile payment link to the customers to pay for their pickup while they stay in their vehicle, or accept payment with options like Google Pay, Apple Pay.

It eliminates the need to keep the cash.

Business owners understand the advantage of going cashless. When there is a currency exchange, you transfer or receive infectious germs. Going cashless enables you to do your business peacefully with lower risks. Consumers also need not hoard cash at home in large numbers.

Mobile Apps

Like wallets, another popular contactless payment option on the rise is mobile Apps. Applications stored on mobile devices allow smartphones to serve as credit or debit cards. All you need to do is

1] enable your smartphone’s contactless pay capability,

2] download the desired apps or

3] link credit cards or bank accounts to those already installed, and use the phone like the card. Instead of swiping, you press and approve the amount or link it to your wallet like Google Pay to complete the transaction.


Though there are good options available, the need is to ensure security at its maximum best. Too many technologies can create loopholes for online fraudsters to take advantage of so people should not use all the available options. They are available only as an alternative if your regular options don’t work.

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