How do I know if my card can make contactless payments?
Have a look at your card to see if it features the contactless 'wave' symbol on it.
If so, you can start making contactless payments at participating retailers straight away.
Do I have to use contactless instead of paying with cash or using Chip & PIN services?
No, it's completely up to you how you choose to pay. However, having contactless technology built into your Capital One card gives you an additional option when paying for items up to the value of £20 whenever you see the contactless symbol.
Will contactless payments be shown when I view my statements in Online Account Servicing?
Yes, any payments made using contactless will be shown within the Online Account Servicing system.
I carry more than one contactless card (credit, debit or Oyster card); which will be used if I touch my wallet to the reader?
We do not recommend touching your wallet against the reader as you may have more than one item in it that communicates contactlessly.
It's always a good idea to take your contactless card out of your wallet to touch the reader - this will make sure the right contactless card is selected. If more than one is placed on the reader, your payment may not go through. You will then need to select your chosen card and touch the card again for the payment to be complete.
Do I have to pay a fee for using contactless?
No, it's completely free.
Do I have to top up my card to make contactless payments?
No, you won't need to top up your card as a contactless payment works like any other credit card payment.
If my card is lost or stolen can it be used to pay for items again and again using contactless?
As a security measure you will sometimes be asked to enter your PIN to complete a transaction. You are also still covered by the same fraud protection as when you enter your PIN to make a payment, so if we notice anything unusual, we'll give you a call to check the card hasn't fallen into the wrong hands.
How long will it take for contactless payments to appear on my account?
Payments made using Contactless may not be deducted from your account immediately, but should appear on your account within 2 working days.
How are my contactless payments deducted from my account?
Contactless works by taking funds from your credit card account, the same way as any other payment you make with your credit card.
Can I make a contactless payment overseas?
You can make contactless payments wherever retailers have adopted contactless technology. If you don't see the contactless symbol, you can still make payments using Chip & PIN.
Why don't I have Contactless on my Capital One card?
Although Capital One offers contactless cards, not all cards currently include this feature. If you would like your card to feature this benefit please call us to see if you're eligible.