{"id":2552,"date":"2025-10-10T16:44:20","date_gmt":"2025-10-10T14:44:20","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?post_type=btv_wiki&p=2552"},"modified":"2026-09-08T22:34:36","modified_gmt":"2026-09-08T20:34:36","slug":"tap-to-pay","status":"publish","type":"btv_wiki","link":"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/card-payments\/tap-to-pay\/","title":{"rendered":"Tap-to-Pay"},"content":{"rendered":"\n

From contact-rich to contactless<\/h2>\n\n\n\n

The convenience of contactless payments has now been widely embraced. Whereas for years about 90% of all debit card payments were contactless, that proportion has risen to 95%<\/strong> by 2025. Only 5% of debit card payments are still made by inserting the card into the payment terminal.<\/p>\n\n\n\n

Some consumers deliberately insert their card into the payment terminal, for instance because they (mistakenly) think that tap-to-pay is not possible for amounts above \u20ac50, or that it provides better security.<\/p>\n\n\n\n

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Shift to mobile<\/h2>\n\n\n\n

Contactless payments can be made with a physical payment card<\/a> or a virtual card on a mobile device<\/a>. In the early days of tap-to-pay, only physical cards were used, but since the introduction of Apple Pay<\/strong> and Google Pay<\/strong>, mobile card payments have experienced strong growth.<\/p>\n\n\n\n

In 2025, nearly half of all contactless payments were made using a mobile device<\/strong>. It is expected that by 2026, more contactless payments will be made using a mobile device than using a debit card.<\/p>\n\n\n\n\n\n

How do contactless payments work?<\/h2>\n\n\n\n

Contactless payments uses Near Field Communication (NFC)<\/strong>. This technology works over a short distance of a few centimetres and is based on international EMVCo specifications<\/a> (ISO 14443). As a result, contactless payments work the same way worldwide for all card brands.<\/p>\n\n\n\n

The user briefly holds the payment card or mobile near the card reader. A secure data exchange then takes place between card and terminal<\/a>.<\/p>\n\n\n\n

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