All of our Business Debit and Corporate*, Purchasing, Commercial and Company Cards issued from January 2016, will include a contactless payment feature. Your can make contactless payments using your card if it has the contactless symbol on it.
To make a contactless payment just follow these easy steps:
Look for the contactless symbol when making a payment of GBP45 or less. The maximum value for a single contactless payment is currently GBP45 in the UK, but this does vary throughout Europe.
Touch your contactless card against the reader.
A beep or green light shows your payment is being processed. For extra security, you may occasionally be asked to insert your card into the card reader and enter your PIN or sign to authorise the transaction. Euro denominated Corporate Card customers may be asked to enter the pin or sign without having inserted the card into a card reader.
Your payment is approved.
Contactless is fast and easy. It is accepted in more than 250,000 places in the UK and across the public transport network in London (TfL); and with more than 1 million retailers throughout Europe and 3 million globally, your HSBC Contactless card will support you wherever you take your business.
* Please note our Fuel Card does not have contactless functionality because of the high level of restrictions on spend.
If you see the contactless symbol on your card it means that you can use your card for contactless payments.
All new cards are contactless, if you are already a customer you will get a Contactless card when your card is renewed or replaced.
At any retailer who displays the contactless symbol:
No, but you will not be able to use your card for a contactless payment until you have first used your card for a chip and PIN transaction.
Currently GBP45 in the UK, limits can vary across Europe.
There are no additional fees for using your contactless card. However, standard fees and charges do apply. On Business Debit Card this includes the business account tariff relevant to your account.
Yes, you can use your contactless card abroad just as you can in the UK. There are more than 1 million terminals in Europe and 3m worldwide. Contactless transactions will be accepted wherever the contactless symbol is displayed:
Limits will vary depending upon the country you are in, transactions will be converted to sterling in the usual way and a non-sterling transaction fee will be applied.
As contactless is designed to be quick sometimes retailers may not give you a receipt. If you need one, for example to claim expenses, make sure you ask for a receipt when you pay.
Contactless transactions should be debited to your account within 2 days although this will depend upon when the merchant processes their payments.
Contactless is designed so that if you have more than one card in your wallet you cannot be charged twice.However, you cannot be sure that the card you want to pay with will be debited if you just tap your wallet.
It's always a good idea to take your contactless card out of your wallet to pay - this will make sure that you pay with the card that you want to use.
Often all contactless cards will be declined if you present more than one card.
Normally less than 2cm although this does vary from terminal to terminal.
Very secure indeed, and certainly much more secure than carrying cash. Contactless cards use the same secure technology as Chip and PIN so you can feel totally confident when you’re using it to pay. To establish that you are the person using the card you will be asked to enter your PIN from time to time.
You should report the loss or theft of your card immediately. You’re protected against fraud loss – providing you take reasonable precautions to protect your card and let us know as soon as you realise it's gone.
No. In a typical transaction, the sales assistant has to enter the amount for you to approve first, and then your card has to be held close to the terminal.
The only information that could be read from a contactless card is the card number, the expiry date and in some instances, the cardholder name – the same information that’s available on the front of your card.
Sensitive information, such as the CVV code (the three digit security code on the back of your card), PIN numbers, Verified by Visa passcodes, card security codes, billing addresses and other hidden security data. cannot be read from a contactless card.
For full details of how to use contactless on the Transport for London (TfL) network please see: https://tfl.gov.uk/fares-and-payments/contactless/how-to-use-it
At the end of the day the cost of all your journeys will be added together and that amount will be debited from your contactless payment card account.
TfL have a daily and weekly capping limit for contactless payment. This is the maximum amount you can be charged for a day and week as relevant. For full details https://tfl.gov.uk/fares-and-payments/contactless/what-is-capping
Yes. You can but you should make sure that you tap in and tap out of each journey using the same card. Also if you use different cards you may not be able to benefit from daily or weekly capping.
It's always a good idea to take your contactless card out of your wallet to touch the reader to make sure you pay with the card you wish to.
If you touch more than one contactless card (including an Oyster card) together on a card reader you could get a red light (which means you won’t have paid) or you could be charged on a card that you didn't intend to pay with.