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Contactless Payments

The easier way to pay

Your contactless card is the simple way to pay in seconds for purchases of £20 and under, without entering your PIN. For security we will, from time to time, ask you to perform a CHIP and PIN transaction.

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.

  • Contactless payments are as secure as Chip & PIN. Contactless purchases are limited to £20 and under, without the need to enter your PIN.
  • For extra security we may occasionally ask you to make a Chip & PIN transaction instead. This lets us verify you are the genuine card holder.
  • You're covered for any fraud on your account, just like Chip & PIN payments, as long as you tell us as soon as possible if you lose your card or if there are any purchases that you don't recognise.
  • It's easy to keep up to date on your spending because every transaction is 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.

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.

New card?
 

With a new card you'll need to do a Chip and PIN transaction before you can make a contactless payment. This ensures your card is in your hands and not someone else's.

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.

FIND OUT MORE