The global pandemic has contributed to the democratization of contactless payment. Indeed, it allows, as its name suggests, to minimize any contact between payer, merchant, and payment terminal. The ceiling associated with this method of payment has also been raised for the occasion, and now stands at 50 euros. This sum obviously remains modifiable by the users.
In 2020, contactless accounted for nearly 47% of card transactions in French physical businesses, according to Les Echos. Widening the use of this type of payment had been in the works since pre-Covid: in fact, the Executive already had plans to raise the payment ceiling from 30 to 50 euros. But the pandemic has done much to accelerate this dynamic. Because merchants have followed: since 2018, the proportion of businesses with a contactless payment terminal has increased from 59% to 80%, as Le Figaro reports.
It is important to know that, in the event that you completely refuse the use of this technology, you can absolutely request a card without NFC technology from your bank. She will have to accept. NFC technology, which is at the origin of contactless payment, is now found in your phones and connected watches!
Even when your card is equipped with the technology allowing it, you are free to deactivate the contactless function. To do this, you will need to contact your banker, who also has no right to refuse it. This can be done for more or less long durations, because you will be able to reactivate it at any time. However, you will need to anticipate a slight delay between your request and the reactivation or deactivation of contactless, which may vary depending on your bank.
Find below 5 situations in which it is better to deactivate this function.