Contactless Cards Make Checking Out Easier
Pay with just a tap
SPEED
Pay in seconds without swiping or inserting your card at the checkout terminal.
CONVENIENCE
Just tap to pay where you see the
Contactless Symbol.
SECURITY
Get the same level of security when you tap as you do when you insert your chip.
Contactless Card Technology
Contactless cards make it faster and easier for you to pay for everyday purchases at merchants around the world.
You'll still get the same level of security when you tap as you do when you insert your chip while enjoying the added convenience without having to swipe or insert your card at the checkout terminal. Just tap to pay where you see the Contactless Symbol.
Tap to Pay
Pay in seconds without swiping or inserting your card.
1. Tap
2. Pay
3. Done!
Frequently Asked Questions
How do I apply for a contactless card?
To apply for a contactless card:
Click here to apply for a PNC checking account.
Click here to apply for a PNC credit card.
How do I know if my card is contactless?
Look for the Contactless Indicator 
on your card to know if your card has the technology to make contactless payments.
How do I update my existing PNC card to contactless?
If you would like to replace an existing PNC card, you can do so in Online Banking, the PNC Mobile Banking app, or by calling the phone number on the back of your card.
What are contactless payments?
Contactless payments use short range NFC (near field communication) technology to securely complete payments between a contactless card and a contactless-enabled checkout terminal. Once you tap the card at a contactless-enabled terminal your payment is sent for authorization.
How close does my contactless PNC Visa have to be to the terminal to work?
Your card must be within 1-2 inches of the Contactless Symbol on the terminal.
How do I hold my contactless PNC Visa card to the terminal?
Typically, the terminal reads the antenna best when your PNC Visa contactless card is flat over the Contactless Symbol.However, some contactless readers will function best if you tap the chip to the actual payment reader.
What are the benefits of contactless payments?
- Speed – Pay in seconds without swiping or inserting your card.
- Convenience – Just tap to pay where you see the Contactless Symbol .
- Security – Get the same level of security when you tap as you do when you insert your chip. Your card number and personal information are never transmitted with the transaction, and you have Zero Liability Fraud Protection* when using your PNC card.
Why is my contactless card not working?
All PNC cards with the Contactless Indicator are contactless payment enabled. If contactless payment is not working, that means the merchant does not have the service turned on, or there is an issue with the terminal.
Where can I pay with my PNC Visa contactless card?
You can tap to pay where you see the Contactless Symbol at checkout. Many merchants around the world accept contactless payments. If you are making a purchase at a merchant that cannot accept contactless payments, you can still swipe or insert your contactless card, just like any other Visa card.
How can customers, especially those who are blind or low vision, tell if the terminal is contactless enabled?
If you do not see the Contactless Indicatoron the terminal, you can ask the cashier if the option is available. Otherwise, simply hold the card towards the top of the terminal, if you hear a beep, and/or the terminal indicates the transaction is processing, then the transaction went through. If a terminal isn’t contactless-enabled, the card can still be swiped or inserted.
What security measures are in place for contactless payments?
The security of your personal and financial information is a priority for PNC. These measures help protect you when you make contactless payments:
- Your actual card number and personal information are never passed with the transaction, instead using a one-time security pass code to protect your payment information.
- You must be within 2 inches for the card to transact from a terminal.
- You have Zero Liability Fraud Protection[1] when using your PNC card.
What information is transmitted from my card when I tap to pay with contactless payments?
To protect your card number, the card securely transmits a unique one-time code that changes for every in-person transaction and encrypts your payment information. The unique code is different than your card number.
Can a contactless payment be unintentionally initiated if I am in close proximity to a payment terminal?
Contactless payments require the merchant to initiate the payment process. Once initiated, you must place your card or device within one to two inches of the payment terminal. The radio antenna then picks up your card’s signal for the transaction to complete, significantly reducing the possibility of an unintentional payment.
Can I still swipe or insert my PNC Visa contactless card even if I don't see the Contactless Symbol at the checkout terminal?
Yes. If you don’t see the Contactless Symbol on the checkout terminal, you can still swipe or insert your contactless card, just like any other Visa card.
I heard people can wirelessly obtain information from a contactless card. What does that mean?
To protect your card number, for every contactless transaction, a unique transaction-specific code is created that secures the cardholder’s payment information. Due to the nature of the code and addtional fraud protection processes, your data could not be utilized to perform a transaction more than one time.
Important Information and Disclosures
Limitations apply. Notify PNC Bank immediately of any unauthorized use. For specific time restrictions, limitations and other details regarding unauthorized use, see your account agreement.
The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.
Visa® is a registered trademark of Visa International Service Association and used under license.
Bank deposit products and services provided by PNC Bank, National Association. Member FDIC
BBVA is a registered trademark of BBVA, S.A. and is used under license.
Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.
