How TAP & GO™ works
At the heart of this advanced payment technology is a tiny microchip and radio antenna embedded in your MasterCard contactless card, key fob, or mobile phone. Your payment details are wirelessly transmitted to a high-speed contactless reader, which then uses the MasterCard network to verify your transaction – nearly instantly – with your financial institution. When you see the green light and hear the beep, your payment has been accepted.
Encryption technology and MasterCard Zero Liability** protection make using MasterCard contactless cards at checkout just as safe as swiping. And MasterCard contactless has built-in safeguards to help prevent unwanted purchases:
- It never leaves your hands at checkout
- It must be extremely close to the reader to work
- It only bills you once — even if you tap twice by mistake
Encryption is just one of many security technologies MasterCard uses to help prevent and detect fraud. To find out how you can protect yourself, click here to learn a few basic safety tips.
MasterCard contactless cards are accepted globally and at all kinds of merchants including retail stores, fast food restaurants, grocery stores, and parking garages.
Find MASTERCARD CONTACTLESS™ Merchants
Use our MasterCard contactless Tap & Go Merchant Locator tool to see where Tap & Go is accepted in your area.
MASTERCARD CONTACTLESS TAP & GO™ Locator App
Find merchants who accept MasterCard® Tap & Go™ around the world with your Android's GPS, from wherever you happen to be.
Got a question?
Click here for more information or FAQs about MasterCard contactless Tap & Go.
Your smart phone just got smarter
Using mobile payments is a lot like turning your phone into your wallet. Near field communication (NFC) technology is enabling a growing number of mobile phones to be used for contactless payment. Simply tap your MasterCard contactless-enabled phone on a reader at any of the hundreds of thousands of MasterCard contactless acceptance locations for safe, secure, and fast payment.
NFC technology is being built into more and more mobile devices. This state-of-the-art encryption technology together with a secure, PIN-protected app gives you peace of mind knowing that your mobile payments are safe and reliable.
Couponing on your phone…it's coming
In the not too distant future, MasterCard contactless-enabled smartphones will give you exclusive access to deals and discounts to help you save at local stores. The savings will be automatically applied when you tap your phone on the contactless reader.
See if your phone has NFC technology
Choose your wireless service provider below to learn which phones they provide are NFC-enabled.
Vendors and implementors may also find helpful resources here.
*Signature or PIN is not required for MasterCard contactless transactions of CAD $100 or less at participating merchants.
**If you're a MasterCard® credit card cardholder, you'll receive the benefit of Zero Liability in the event of the unauthorized use of your Canadian-issued MasterCard card. Zero Liability is provided under the following conditions:
- you have an account in good standing, and
- you have exercised reasonable care in safeguarding your card, and
- you have not reported two or more unauthorized events in the past 12 months.
Zero Liability does not apply to MasterCard cards issued: to an entity other than a natural person; primarily for business, commercial, or agricultural purposes; outside of Canada.
The N Mark is a trademark or registered trademark of NFC Forum, Inc. in the United States and in other countries.