There’s no doubt — the popularity of contactless payments is trending upward. 事实上, many merchants are even now requesting the usage of contactless at their points of sale (POS), as a means of better protecting their customers and employees. People are generally concerned that POS terminals, cash, and coins are laden with germs.

The US Centers for Disease Control and Prevention (CDC) has the following recommendations related to in-person transactions:

• Limit contact with frequently-touched surfaces such as kiosks, digital interfaces such as touchscreens, 指纹扫描仪, 票的机器, 等.
• 如果你一定要触摸这些表面, wash your hands for 20 seconds with soap and water or at minimum rub your hands with sanitizer containing 60% alcohol, 尽快.
• If you must exchange cash or credit cards, place them in a receipt tray or on the counter rather than exchanging them hand-to-hand, 如果可能的话.
• Use touchless payments whenever available.

移动钱包的兴起

Mobile wallets are gaining in popularity around the world because of their convenience, 安全, and — more recently — their contactless appeal.

它们是什么??

The most prevalent mobile wallets include Apple Pay, Samsung Pay, and Google Pay. Each one allows you to input your credit and/or debit card information into a mobile device and make purchases both in-person and online, 如果被商家接受.

The supporting app stores your card information in a secure digitized format. The convenience comes through to you in multiple ways, allowing you to leave a physical wallet and your actual cards at home while you pay using your cell phone, 平板电脑, 或者换成智能手表.

它们是如何工作的??

It has become an intuitive and user-friendly process to begin using a mobile wallet.

• 访问你设备上的应用商店.
• Install the corresponding mobile wallet app.
• Put in your preferred payment card details.
• Confirm your identity via a PIN, fingerprint, or face scan.
• Use your mobile wallet with participating merchants:
  -只要打开应用程序.
  -把你的手机放在终端上.
  ——支付.

Look for these logos at checkout to know whether a merchant accepts your mobile wallet.

他们在哪里工作??

你最喜欢的地方! 受欢迎的零售商名单, 餐厅, 运输公司, 小型企业, apps and web-based merchants that accept mobile wallet payments is growing daily — from Costco to Target and McDonald’s to Starbucks, 还有无数其他的人, 即使是自动售货机. Search for your merchants via the links below. 

Apple Pay的忠实粉丝. 
了解在哪里使用Apple Pay.

Google Pay的前身是Android Pay.
了解在哪里使用Google Pay.

Samsung Pay is the most widely accepted.
了解在哪里使用三星支付.

它们使用安全吗?

Mobile wallets are one of the most secure forms of payment today and more fraud-proof than using physical cards. The transaction takes place through a digital method called tokenization. This encrypting automatically replaces your account numbers with unique alpha/numeric codes that share all the essential information temporarily without compromising or storing the actual card number. 所以即使是在商家违规的情况下, your credit or debit card number remains safe because your card number was never transmitted to the merchant.

“点击支付”怎么样?

Keep in mind that as long as your merchant is contactless-compatible, members can tap to pay with their 元素-issued credit cards. Simply look for this symbol to know if you can tap to pay at a register.

卫生 & 习惯至上

Regardless of what type of payment method you use in a retail environment, keep the guidance of the CDC at the forefront of your mind. Wash your hands thoroughly and frequently after contact. Keep hand sanitizer in your vehicle, purse, or pocket. Sanitize your phone screen regularly and maintain social distancing guidelines with retail staff and other customers while making any in-person transaction.

Your credit union is here to support you with modern contactless methods and simple yet important reminders to help you feel better-protected and more comfortable while shopping and spending.

Please reach out to us with your questions about contactless payments.

来源:疾病预防控制中心.gov; Hawaii State Federal Credit Union; 支付Journal.com

This information is provided for informational purposes only. It does not constitute legal, tax or financial advice. Consult with your tax, legal or financial adviser before taking any action.