{"id":2143,"date":"2021-12-28T17:42:29","date_gmt":"2021-12-28T17:42:29","guid":{"rendered":"https:\/\/vixtechnology.com\/?page_id=2143"},"modified":"2024-04-11T12:33:56","modified_gmt":"2024-04-11T11:33:56","slug":"is-contactless-payment-safe-secure","status":"publish","type":"page","link":"https:\/\/vixtechnology.com\/is-contactless-payment-safe-secure\/","title":{"rendered":"Is contactless payment safe &#038; secure?"},"content":{"rendered":"\n<div class=\"wp-block-vix-hero block-hero\" data-aos=\"fade\" data-aos-duration=\"750\"><div class=\"block-hero__container\"><div class=\"block-hero__background\" style=\"background-image:url(https:\/\/vixtechnology.com\/app\/uploads\/2024\/02\/Vix_Branded_123RF_211930745_xl.jpg);background-position:50% 50%\"><\/div><div class=\"block-hero__content\"><h1 class=\"block-hero__title\">Is contactless payment safe and secure?<\/h1><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-4 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-image is-resized is-style-default\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"9123\" height=\"6081\" src=\"https:\/\/vixtechnology.com\/app\/uploads\/2024\/04\/Vix-Branded-123RF-108158293_xl.jpg\" alt=\"\" class=\"wp-image-11585\" style=\"width:600px\" srcset=\"https:\/\/vixtechnology.com\/app\/uploads\/2024\/04\/Vix-Branded-123RF-108158293_xl.jpg 9123w, https:\/\/vixtechnology.com\/app\/uploads\/2024\/04\/Vix-Branded-123RF-108158293_xl-636x424.jpg 636w, https:\/\/vixtechnology.com\/app\/uploads\/2024\/04\/Vix-Branded-123RF-108158293_xl-570x380.jpg 570w, https:\/\/vixtechnology.com\/app\/uploads\/2024\/04\/Vix-Branded-123RF-108158293_xl-315x210.jpg 315w, https:\/\/vixtechnology.com\/app\/uploads\/2024\/04\/Vix-Branded-123RF-108158293_xl-1180x787.jpg 1180w\" sizes=\"(max-width: 9123px) 100vw, 9123px\" \/><\/figure><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\">Is contactless payment safe &amp; secure?<\/h2>\n\n\n\n<p>With <a href=\"https:\/\/www.businesswire.com\/news\/home\/20200429005592\/en\/Mastercard-Study-Shows-Consumers-Globally-Make-the-Move-to-Contactless-Payments-for-Everyday-Purchases-Seeking-Touch-Free-Payment-Experiences\">nearly 8 in 10 consumers using contactless payments<\/a>, the time is now for transit agencies to adapt.&nbsp;&nbsp;<\/p>\n\n\n\n<p>One of the first questions transit agencies and their funders may have is \u201cAre <a href=\"https:\/\/vixtechnology.com\/what-is-contactless-payment\/\">contactless payments<\/a> secure?\u201d<\/p>\n\n\n\n<p>The answer is a resounding \u201cYes!\u201d They are, in fact, safer and more secure than any other form of payment.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/vixtechnology.com\/contact-us\/\">Contact us<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-8 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\">How NFC contactless payments work<\/h2>\n\n\n\n<p>When you understand the <a href=\"https:\/\/vixtechnology.com\/contactless-payment-technology\/\">technology behind contactless payments<\/a>, you&#8217;ll see why they are actually more secure than traditional magnetic stripe payments.<\/p>\n\n\n\n<ul>\n<li>Magnetic stripes can be cloned<\/li>\n<\/ul>\n\n\n\n<p>\u201cCard skimmers\u201d are fraudsters who collect the data associated with a magnetic stripe card and create a clone of it. Cards with EMV chips cannot be cloned or duplicated because they are run off an internal computer chip that is difficult to clone and which issues one-time tokens from the bank. Fraud is instantly detected if the chip is not issued from a bank and the transaction will not go through.&nbsp;<\/p>\n\n\n\n<ul>\n<li>The data of contactless payments is encrypted<\/li>\n<\/ul>\n\n\n\n<p>Using Dynamic Data Authentication and RSA cryptography ensures that only genuine POS systems can process the data on an EMV chip. This means \u201cskimmers\u201d cannot randomly steal the wireless data as they do not have the \u201ckey\u201d from a genuine bank-linked POS to unlock the encrypted data.<\/p>\n\n\n\n<ul>\n<li>Distance matters<\/li>\n<\/ul>\n\n\n\n<p>Years back, there was concern that RFID in bank cards could be \u201cskimmed\u201d by fraudsters walking around a mall with an RFID reader collecting the payment information of every person they passed. However, when it comes to NFC (which is a subset type of RFID), this concern is eliminated in yet another way. NFC radio waves transmit in <em>very<\/em> short distances of about 1\u201d. The close contact must be purposeful in order to transmit the data, and even then it is unlockable per the encryption process described above.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/vixtechnology.com\/products\/pulse\/\">Discover Pulse<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-image is-resized is-style-default\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"787\" height=\"1399\" src=\"https:\/\/vixtechnology.com\/app\/uploads\/2021\/12\/Vix_Dallas_case-study-2400x1400px-1-edited.webp\" alt=\"Dallas Texas Highway at night\" class=\"wp-image-2147\" style=\"width:600px\"\/><\/figure><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-12 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-image is-style-default\">\n<figure class=\"aligncenter size-full is-resized\"><img decoding=\"async\" width=\"1459\" height=\"719\" src=\"https:\/\/vixtechnology.com\/app\/uploads\/2021\/10\/Mask-Group-1.webp\" alt=\"Girls looking at phone on train\" class=\"wp-image-1927\" style=\"width:600px\"\/><\/figure><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\">Leading contactless technology proponents<\/h2>\n\n\n\n<p>Perhaps the most accessible argument for the safety and security of contactless payments is the endorsement and requirement of NFC technology from those who have the highest needs for security.<\/p>\n\n\n\n<p>The U.S. Department of Defense mandates the use of NFC for military ID cards that permit access to highly secured areas. At bases throughout the world, this technology is trusted to protect against global threats and enemies.&nbsp;<\/p>\n\n\n\n<p>In addition, the inclusion of NFC technology on credit and debit cards comes from a major industry push by \u201cBig 3\u201d credit card companies: Europay, Visa, and Mastercard. These institutional giants know that NFC technology reduces fraud, <a href=\"https:\/\/www.prnewswire.com\/news-releases\/payment-card-fraud-losses-reach-27-85-billion-300963232.html\">which is a crime that costs their companies billions of dollars every year.<\/a><\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/vixtechnology.com\/products\/whisper-cemv\/\">Discover Whisper<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-16 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\">Secure and compliant<\/h2>\n\n\n\n<p>Vix Technology provides this safe and secure contactless payment technology fully compliant with the latest security standards.<\/p>\n\n\n\n<p><a href=\"https:\/\/vixtechnology.com\/products\/whisper-cemv\/\">Vix Whisper<\/a>, our contactless payments software, is an EMV Level 1&amp;2 and PCI-DSS certified solution, while our <a href=\"https:\/\/vixtechnology.com\/products\/devices\/\">Assure contactless validators<\/a> also come pre-certified to EMV Level 1&amp;2 and PCI-PTS.<\/p>\n\n\n\n<p>In addition to meeting a high consumer demand and providing safe, secure payments, our devices also lower dwelling time, help detect fraud, and speed onboarding.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/vixtechnology.com\/products\/devices\/\">Vix Devices<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-image is-resized is-style-default\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"659\" height=\"661\" src=\"https:\/\/vixtechnology.com\/app\/uploads\/2024\/04\/ADEPT-Surface-Mount-1.png\" alt=\"Assure Adept\" class=\"wp-image-11586\" style=\"width:600px\" srcset=\"https:\/\/vixtechnology.com\/app\/uploads\/2024\/04\/ADEPT-Surface-Mount-1.png 659w, https:\/\/vixtechnology.com\/app\/uploads\/2024\/04\/ADEPT-Surface-Mount-1-150x150.png 150w, https:\/\/vixtechnology.com\/app\/uploads\/2024\/04\/ADEPT-Surface-Mount-1-467x468.png 467w, https:\/\/vixtechnology.com\/app\/uploads\/2024\/04\/ADEPT-Surface-Mount-1-379x380.png 379w, https:\/\/vixtechnology.com\/app\/uploads\/2024\/04\/ADEPT-Surface-Mount-1-209x210.png 209w\" sizes=\"(max-width: 659px) 100vw, 659px\" \/><\/figure><\/div><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">RESOURCES<\/h3>\n\n\n<div class=\"block-resources__container\">\n\n\t\n\t\t\t<div class=\"block-resources__small-row\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/vixtechnology.com\/resource\/delivering-real-time-passenger-information-and-smart-ticketing-to-the-city-of-cambridge\/\" class=\"block-resources block-resources__small \">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"block-resources__img--small--container\">\n\t\t\t\t\t\t\t<img decoding=\"async\" class=\"block-resources__img block-resources__img--small\" src=\"https:\/\/vixtechnology.com\/app\/uploads\/2021\/05\/Mask-Group-1.png\" \/>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"block-resources__content\">\n\t\t\t\t\t\t<div class=\"block-resources__category\">\n\t\t\t\t\t\t\tCase study\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"block-resources__title block-resources__title--small\">Delivering real time passenger information and smart ticketing to the City of Cambridge<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a href=\"https:\/\/vixtechnology.com\/resource\/optimizing-bangkoks-skytrain-fair-collection-with-a-sophisticated-back-office-account-based-ticketing-solution\/\" class=\"block-resources block-resources__small \">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"block-resources__img--small--container\">\n\t\t\t\t\t\t\t<img decoding=\"async\" class=\"block-resources__img block-resources__img--small\" src=\"https:\/\/vixtechnology.com\/app\/uploads\/2021\/05\/Vix_Bangkok-case-study-2400x1400px.jpg\" \/>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"block-resources__content\">\n\t\t\t\t\t\t<div class=\"block-resources__category\">\n\t\t\t\t\t\t\tCase study\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"block-resources__title block-resources__title--small\">Optimizing Bangkok&#8217;s skytrain fare collection with a sophisticated back-office account based&#8230;<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a href=\"https:\/\/vixtechnology.com\/resource\/growing-capacity-with-a-smartcard-based-automated-clearing-centre-for-beijing-metro-there-worlds-busiest-subway\/\" class=\"block-resources block-resources__small \">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"block-resources__img--small--container\">\n\t\t\t\t\t\t\t<img decoding=\"async\" class=\"block-resources__img block-resources__img--small\" src=\"https:\/\/vixtechnology.com\/app\/uploads\/2021\/05\/Vix_Beijing_case-study-2400x1400px.jpg\" \/>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"block-resources__content\">\n\t\t\t\t\t\t<div class=\"block-resources__category\">\n\t\t\t\t\t\t\tCase study\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"block-resources__title block-resources__title--small\">Growing capacity with a smartcard-based automated clearing centre for Beijing metro there&#8230;<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\n        <\/div>\n\n\n<div class=\"block-resources__container\">\n\n\t\n\t\n                <a href=\"\/resources\" class=\"block-resources__read-more\"><span>All Resources<\/span><img decoding=\"async\" src=\"https:\/\/vixtechnology.com\/app\/themes\/vix\/src\/img\/icon-arrow-right-black.svg\" class=\"block-resources__read-more--arrow\"><\/a>\n        <\/div>\n\n\n<div class=\"wp-block-vix-banner block-banner has-purple-background-color\">\r\n\t<div class=\"block-banner__container\">\r\n\t\t<h2 class=\"wp-block-heading\" id=\"how-vix-can-transform-your-business\">MAKE THE CONNECTION<\/h2>\r\n\t\t<p>With market-leading experience in intelligent transportation systems, fare collection, and transit analytics, connect with Vix today.<\/p>\r\n\t\t<div class=\"wp-block-button is-style-secondary\">\r\n\t\t\t<a class=\"wp-block-button__link has-purple-background-color has-text-color has-background\" href=\"https:\/\/vixtechnology.com\/contact-us\/\">Get In Touch<\/a>\r\n\t\t<\/div>\r\n\t<\/div>\r\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Is contactless payment safe &amp; secure? With nearly 8 in 10 consumers using contactless payments, the time is now for transit agencies to adapt.&nbsp;&nbsp; One of the first questions transit agencies and their funders may have is \u201cAre contactless payments secure?\u201d The answer is a resounding \u201cYes!\u201d They are, in fact, safer and more secure [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"acf":[],"_links":{"self":[{"href":"https:\/\/vixtechnology.com\/wp-json\/wp\/v2\/pages\/2143"}],"collection":[{"href":"https:\/\/vixtechnology.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/vixtechnology.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/vixtechnology.com\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/vixtechnology.com\/wp-json\/wp\/v2\/comments?post=2143"}],"version-history":[{"count":16,"href":"https:\/\/vixtechnology.com\/wp-json\/wp\/v2\/pages\/2143\/revisions"}],"predecessor-version":[{"id":11590,"href":"https:\/\/vixtechnology.com\/wp-json\/wp\/v2\/pages\/2143\/revisions\/11590"}],"wp:attachment":[{"href":"https:\/\/vixtechnology.com\/wp-json\/wp\/v2\/media?parent=2143"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}