Tap to Pay

Look for the contactless indicator on the front of your debit card to determine if it’s capable of contactless payments. If you don’t see the symbol, you can still use the card by inserting or swiping it.

You can use contactless feature across a range of retailers including convenience stores, supermarkets, fast food chains, cinemas and so on. All merchants with a payment terminal displaying a wave symbol together with the VISA acceptance mark.

The maximum limit on each purchase / transaction is dependent on the type of card on holds. Below are the thresholds by card type beyond which one will be required to input your card PIN to complete the transaction

Once Contactless feature /tap to pay is used, it will be governed by the terms and conditions that apply to your transactions made using a debit card.

Yes, while payment terminals offer the choice to pay with contactless technology, there is the option to pay by inserting your card into the card reader and use your PIN to complete the transaction

While random eavesdropping is likely to capture random unusable fragments of data and the security features together with the encryption techniques of the contactless card render the data useless for fraudulent usage, it is possible for someone to skim a contactless card if a fraudster’s contactless-enabled terminal is within a 2cm to 10cm range. The risk of such fraud is heightened significantly if you are in a public place where a lot of people have gathered. It is therefore advisable to keep cards that you don’t intend to use for such gatherings at home in a safe place.

We recommend that you follow the simplest preventive security measures against skimming:

• Do not store your cards in your pockets. Only in your wallet, and your wallet is in a zippered bag. The wallet must have a separate slot for each card so that you can see each card in its place.
• Where possible, use a special blocking wallet, holder, or blocking card to protect your contactless card from skimming. Do not wrap the cards in foil, it is not intended for shielding.
• If you see someone holding a mobile phone next to your wallet or bag, or acting strangely in the checkout line, step back and ask the store’s staff for help.
• Before using the card anywhere, check for card skimmers.
• Where possible and affordable, use one card for autopay accounts and the other for everyday purchases. The autopay and everyday strategy helps you save your money and personal data.
• Do not store photos of your cards on your phone, or write their data to your phone.
• Keep cards that you don’t use at home in a safe place.
• Destroy any documents containing your card information, including documents containing the last 4 digits.
• Keep track of your account statements. If you see a suspicious purchase, immediately notify the bank.
• Periodically check the personal accounts of the online stores that you use most often (Amazon, Ebay, etc.). if you find any transactions that were not made by you, contact the seller immediately.

• If someone asks you to provide your card details over the phone on behalf of the bank, do not agree. Call the customer contact number on the back of your card and ask the bank’s representative what to do in this case.
• Periodically change your passwords and update your card pin codes.

Rest assured, only one payment will be required. During the payment process, the terminal cannot run a second transaction until the first has been completed.

It is advisable to present only the contactless card from which you’re making the payment in front of the terminal. The acceptance device has ‘anti-collision’ features, in the event the reader detects more than one payment card in your wallet; the card holder is instructed by the terminal to select a single card or the terminal may however terminate the entire transaction.

A receipt isn’t given as standard with contactless payment technology as this would impact the speed and convenience of the technology. However, you can always request one from the merchant after completing the transaction.

In May 2019, Standard Chartered Bank rolled out the Tap to Pay contactless technology on its Visa Debit Cards. Since then, Standard Chartered has been issuing contactless VISA debit cards to new and existing clients. Don’t have one yet? Standard Chartered shall issue you with a contactless card upon replacing or renewing your VISA debit card.

Yes. Just like EMV chip and magnetic strips, the payment technology of a Contactless Card can also be damaged. If you believe your Card has been damaged, you can conveniently request for a card replacement via the SC Mobile App. You can also contact us on (+256) 200524100 or (+256) 313294100 or email us at Ug.Service@sc.com for help.

Contactless cards that are lost or stolen are handled similarly to other Visa cards. Immediately login to the SC Mobile app to block your card or report to us by calling (+256) 200524100 or (+256) 313294100.

• Yes! The security level of a contactless payment is the same as contact chip cards.
• Your personal information, like address, name, or CVV code, is never shared.
• Each transaction generates a dynamic, one-time-only number that securely identifies each transaction, just like a chip card.
• Cards must be within 1-2 inches of the checkout terminal for the transaction to occur, so you can’t pay by accident and the Card never leaves your hand.

If you prefer not to use the contactless feature, you can continue to use the CHIP and PIN payment method on the card

No. As the industry continues to develop new ways to protect consumers, criminals continue to develop new ways to commit fraud—which is why the fraud prevention monitoring we provide is important. Contactless and Contact chip cards provide an additional layer of security when used at contactless-enabled and chip-enabled terminals. Please review our fraud prevention tips for information about recognizing fraud and steps you can take to help protect yourself from fraudsters.

No, the contactless card feature only applies to in-person transactions at contactless-enabled merchant terminals.