Contactless Debit & Credit Cards Are Here at FSCU
Paying just got faster, easier, and more convenient.
Financial Security Credit Union debit and credit cards now feature contactless Tap to Pay technology, giving you another secure way to make everyday purchases.
Get to Know Your Contactless Card
Look for the Contactless Symbol on your FSCU debit or credit card. When you see that symbol, your card is ready to tap at participating payment terminals.
Contactless technology allows you to complete a purchase without inserting or swiping your card.
Just look, tap, and go.
How Tap to Pay Works
Using your contactless FSCU card is as easy as 1-2-3:
1. Look.
Look for the Contactless Symbol on the payment terminal when you check out.
2. Tap.
Hold your FSCU debit or credit card close to the contactless-enabled payment terminal.
3. Go.
Wait for confirmation that your payment has been approved. In most cases, your transaction is completed within seconds.
Why Choose Tap to Pay?
Faster at Checkout
Tapping your card can be quicker than inserting your chip and waiting for the transaction to process.
Secure
Contactless payments use secure chip technology designed to protect your payment information. Each transaction generates unique information used to process that purchase.
Your Card Stays in Your Hands
One of the biggest advantages of Tap to Pay is that you can keep control of your card throughout the transaction.
Because you don't have to swipe your card or insert it into the payment terminal when contactless payments are available, there is less physical interaction between your card and the card reader.
This can help reduce exposure to certain types of card-reading devices, including some forms of skimming. While no payment method can completely eliminate the risk of fraud, contactless technology provides an additional secure way to make purchases.
Easy to Use
There's no special setup required. Simply look for the Contactless Symbol and tap your card.
Widely Accepted
Many retailers, restaurants, grocery stores, gas stations, and other businesses accept contactless payments. Just look for the Contactless Symbol at checkout.
And don't worry — your card still includes a chip and magnetic stripe, so you can insert or swipe your card when Tap to Pay isn't available.
Frequently Asked Questions
What is a contactless payment?
A contactless payment allows you to make an in-person purchase by holding your contactless-enabled FSCU debit or credit card near a compatible payment terminal.
Instead of inserting or swiping your card, you can tap or hold it near the reader.
How do contactless cards work?
Contactless cards use short-range wireless technology called Near Field Communication, or NFC, to communicate with a contactless-enabled payment terminal.
Although it's commonly called "Tap to Pay," your card doesn't necessarily have to physically touch the terminal. Holding it close to the reader is generally enough to complete the transaction.
Are contactless payments secure?
Yes. Contactless payments use secure technology similar to what you use when you insert your chip card.
Rather than relying solely on your card information to complete the transaction, contactless technology generates unique transaction information to help protect your payment credentials.
Your card also needs to be very close to a contactless-enabled payment terminal for the transaction to take place.
Can Tap to Pay help protect against card skimming?
Contactless payments can reduce your card's physical interaction with a payment terminal because you don't need to insert or swipe your card when Tap to Pay is available.
Keeping your card in your hand may help reduce exposure to certain compromised card readers or skimming devices.
However, members should continue to monitor their accounts regularly and report suspicious transactions immediately. No payment method can completely eliminate the possibility of fraud.
What if the merchant doesn't accept Tap to Pay?
No problem.
Your FSCU card still includes its chip and magnetic stripe. If a contactless payment option isn't available, simply follow the payment terminal's instructions to insert or swipe your card.
How do I know if I can use Tap to Pay?
Look for the Contactless Symbol on the payment terminal.
If you see it, hold your FSCU debit or credit card near the reader and follow the on-screen instructions.
Do I need to activate Tap to Pay?
There is no separate Tap to Pay feature to turn on. Once your new FSCU debit or credit card is activated and ready to use, the contactless feature is built in.
Tap. Pay. Go.
Whether you're grabbing groceries, filling up, dining out, or shopping around town, your FSCU debit and credit cards give you another fast and convenient way to pay.
Look for the symbol. Keep your card in your hand. Tap and go.
Financial Security Credit Union — Where Membership Means More.