Tap to pay. It's fast, simple and secure.

• How do I know if my card is equipped with contactless technology?
  Simply look for the contactless indicator on the front of your card (it looks like a sideways WIFI symbol).
  
  
• Where can I pay with a contactless enabled card?

  You can use your contactless card anywhere you see the contactless payment symbols.

  This includes fast food restaurants, gas stations, convenience stores, pharmacies, stadiums and more. If you don't see the symbol, your contactless-enabled card can still be used by inserting your chip card or swiping at checkout.

• Is tapping safe?

  Yes! Contactless payments offer the same security as EMV chip transactions and they are backed by Zero Liability Protection¹. This means you are not liable for purchases not made by you. We also offer 24*7 fraud protection and monitoring to help keep you safe.

  You can’t pay accidentally. Cards must be 1-2 inches from the payment terminal and you won’t be billed twice, even if you accidentally tap to pay twice.

• What is a contactless payment?
  Contactless payments use short-range wireless technology to make secure payments between a contactless card or payment-enabled device and a contactless-enabled checkout terminal. Customers can tap their card near the contactless symbol , and their payment is sent for authorization. Contactless cards also come with a chip and magnetic stripe, so you can insert your card or use the magnetic stripe if a terminal is not yet contactless-enabled.
• What if I don’t want to or can’t tap to pay?
  You can still transact by swiping or inserting your card at check out, we’ve simply added contactless payments as a new and easier way to pay.
• Where can I pay with a contactless enabled card?
  You can use your contactless card anywhere you see the contactless payment symbols.
  
   
• How do I pay with a contactless card?
  When you are ready to check out, you can simply tap your card at the enabled terminal. The card should be within 1-2 inches of the terminal; however some terminals function best if you tap the contactless enabled card to the terminal itself.
• How do I prevent the wrong card from being charged?
  If you have more than one contactless card in your wallet, you should remove the specific card you would like to use rather than tapping your wallet against the reader.
• How long should I tap?
  You only need to hold your card to the terminal for a short 1-2 seconds.
• Why should I use contactless?

  Contactless payments are fast, simple and secure! A contactless card offers:

  Convenience when making purchases: Merchants across the U.S. are increasingly able to accept contactless cards for payment. Plus, as transit agencies across the U.S. start to accept contactless cards at their terminals and turnstiles over the next several years, you’ll have even more places to take advantage of this feature. Protection: When you tap to pay, your card has the same advanced encryption and safeguards as the chip on your card.

• Can I use my contactless card in my digital wallet?
  Yes, if you add your contactless card to your digital wallet, you can tap to pay anywhere you see the contactless symbol displayed on a merchant terminal.
• Do I need to request a contactless card or will Citizens send one to me?
  New consumer debit or credit card customers and current customers who are reissued a card will receive a card with the contactless feature. You can request a contactless card by calling the number on the back of your current card.
• Can I get a card without the contactless feature?
  We no longer offer cards without the contactless feature. You can continue to insert your card in chip-enabled terminals or swipe your card.
• Are there any additional fees for the contactless card?
  No, the Contactless feature is included at no additional cost.
• How do I use my card to make a purchase over the phone?
  Using your contactless card to make a purchase over the phone or online is the same process you would use for a chip card. Simply provide your card information to authorize the purchase.

Have More Questions? Get more answers in our Full FAQs section.