Frequently Asked Questions

Frequently Asked Questions

  • What is contactless payment?

    Contactless payment is the name given to payment transactions simply made without any contact between the payment instrument being used and POS device. In contactless payment transaction, the user keeps his/her contactless card or phone (with NFC feature) close to the merchant’s POS device (closer than 4 cm.) where payment details are transmitted wirelessly using radio frequency.
  • Which technology is used by contactless payments?
    Contactless payments use Radio Frequency (RF). RF waves are frequencies emitted through radio waves within electromagnetic spectrum. Many wireless communication technologies operate through RF, such as radios, televisions, mobile phones, wireless networks and contactless cards or contactless payment devices.
  • How can I make contactless payment with my card?

    If you see the contactless wave symbol  dalga  on the front face of your card, this means that your card has contactless feature. You can then make your payment by holding your contactless card to the contactless POS devices. Contactless payments offer the same assurance and warranty you have with other card payments.
  • Can I make contactless payment with my phone?
    Yes, you can. This method is known as NFC (Near Field Communication). Details of cards, such as debit and credit cards, can be stored at mobile phones with NFC feature, so instead of selecting a card from your wallet and giving it to the cashier for payment, you can select the card you want from your mobile phone and make your payment by holding your phone to the contactless POS device.
  • Do only credit cards have contactless features?
    Debit cards and prepaid cards may also have contactless features and be used for contactless payments.
  • What is the relationship between NFC and Contactless Payments?
    NFC is a near field contactless communication technology standard, designed for easy, simple and secure communication of two electronic devices. Details of cards, such as debit and credit cards, can be stored at mobile phones with NFC feature, so instead of selecting a card from your wallet and giving it to the cashier for payment, you can select the card you want from your mobile phone and make your payment by holding your phone to contactless POS device.
  • Do I have to say that I want to make contactless payment to the merchant?
    Approaching your contactless card to a POS device that you know has contactless features and holding your card in front of the POS reader is enough to make contactless payments in many merchants. However, in some merchant stores the cashier needs to wake the contactless feature of the POS device and therefore must be informed in advance for contactless payments in such a case.
  • How many contactless payments can I make with my card in one day?
    The number of transactions that you can make with your card in a day is determined by the bank that issued your contactless card. You must contact customer service department of the bank which you have received your contactless card form, in order to have more information.
  • Are contactless payments secure?
    Yes. Contactless payments operate using the same payment scheme all other card payments utilize. The difference is in the method which transmits card details to the POS device. Contactless cards utilize radio frequency to transmit data, where chip cards utilize integrated circuits that require contact. Banks and payment schemes are using multiple security layers for all participants that take part in a payment transaction. On the contrary to the belief, international payment schemes such as MasterCard, VISA, and others have developed additional security elements for contactless payments to ensure such payments are made more securely.
  • Is there a problem to keep several contactless cards side by side?
    When multiple contactless cards are approached to a contactless reader, an anti-collision mechanism will be activated and the payment may not go through or may be performed using an undesired card. Therefore, it is recommended to approach one contactless card at a time to the contactless reader in order to ensure successful payment from a desired payment card.
  • How can I have a contactless card?
    Simply ask your bank representative for one while you apply.
  • I wanted to make a contactless payment, but I couldn’t, why?

    You might have failed to pass through the security parameters of the bank that issued your card. Since only your bank can provide related information, you should contact the bank’s customer service to inquire.
  • Why am I asked to key in my card PIN during certain contactless payments?

    You can make all your payments up to 50 TL securely with your contactless cards without any need to key in your card PIN. For contactless payments amounting more than 50 TL, you have to key in your card’s PIN to the POS device’s pinpad.
  • What is the highest amount that I can pay with contactless?
    Your contactless transaction limit changes, depending on the security parameters of the bank which issued your card. You should contact your bank’s customer service.
  • I am a store owner; can I replace my POS device with a Contactless POS?
    Yes, you can replace your device with a new model featuring contactless. You simply need to contact your bank to request one.
  • How is a contactless transaction initiated by a contactless POS device?
    Implementation of standard transaction flow is enough for contactless transactions. When the amount is entered to the POS device, the contactless reader available on the POS is activated to read the contactless card, holding the card close to the POS will be enough to complete the transaction. However, in some merchant stores the cashier needs to wake the contactless feature of the POS device and therefore must be informed in advance for contactless payments in such a case.
  • What is the relationship between contactless payments and innovations such as Apple Pay or Samsung Pay?
    Apple Pay, Samsung Pay and other similar payment methods running on mobile phones use NFC to complete payment transactions which founds contactless infrastructure. NFC (near field communication) technology is designed for easy, simple and secure communication of two devices. Therefore payments made using Apple Pay, Samsung Pay and other new payment method require contactless infrastructure to perform successfully.