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Contactless Payments

The easier way to pay

A contactless card is the simple way to make everyday purchases, up to £20, without entering your PIN. To start using the contactless technology in your card, just look out for the wave symbol when you go to make a payment.

No need to count cash or remember your PIN - Simply follow these steps:

 

Where can you use Contactless?

The list of retailers accepting contactless payments is growing all the time. Pret a Manger, Caffe Nero, Greggs and McDonalds are just a few of the places that now accept contactless payments in all of their stores.

To keep up to date with where Contactless is accepted visit the Visa and MasterCard Contactless pages.

A safe and secure way to pay

Your contactless card isn't just quick to use, it's also secure.

  • For extra security, occasionally you may be asked to make a Chip & PIN transaction instead
  • Contactless payments are as secure as Chip & PIN and contactless purchases are limited to £20 or less
  • Just like with Chip & PIN payments you'll be covered for any fraud on your account, as long as you tell us as soon as possible if your card goes missing or if there are any purchases on it that you don't recognise
  • It's also easy to keep up to date on your spending because you'll see every transaction on your credit card statement, just like you would with any other payment.
FAQs

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. contactless wave symbol
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.

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.

ADDITIONAL
CARD HOLDERS

You can add up to 3 extra card holders to your account. It's a great way of managing your household finances, helping you keep in control.

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