{"id":2304,"date":"2014-12-01T00:00:00","date_gmt":"2014-11-30T23:00:00","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?p=2304"},"modified":"2026-08-07T02:53:51","modified_gmt":"2026-08-07T00:53:51","slug":"contactless-debit-card-payments-secure","status":"publish","type":"post","link":"https:\/\/www.betaalvereniging.nl\/en\/news\/contactless-debit-card-payments-secure\/","title":{"rendered":"Contactless debit card payments are secure"},"content":{"rendered":"\n<p class=\"has-intro-font-size wp-block-paragraph\">Contactless debit card payments are secure and do not require a special protective card sleeve.<\/p>\n\n\n<figure class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"333\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Contactloos-betalen-met-ING-Betaalpas.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Hand holds ING-debit card at modern POS terminal for a contactless debit card payment at point-of-sale.\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Contactloos-betalen-met-ING-Betaalpas.jpg 500w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Contactloos-betalen-met-ING-Betaalpas-300x200.jpg 300w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><\/figure>\n\n\n<p class=\"wp-block-paragraph\">Increasing numbers of Dutch banks were issuing debit cards that allowed consumers to make small <a href=\"http:\/\/www.pin.nl\/consument\/contactloos-betalen-met-betaalpas-of-mobiele-telefoon\/\" target=\"_blank\" rel=\"noreferrer noopener\">contactless payments<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a> (in Dutch), without inserting the card into a payment terminal. To pay, the contactless debit card had to be held briefly against a compatible terminal. No PIN was required for amounts up to and including \u20ac25, while a PIN was required above that amount. Once cumulative contactless payments exceeded the \u20ac50 threshold, the debit card had to be inserted and the PIN entered.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Recent media coverage appeared to suggest that contactless debit cards were unsafe. It was claimed that criminals could use a special payment terminal to take money from consumers through contactless payments, and that only a metal card sleeve or aluminium foil could prevent this.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This was incorrect. First, the distance between the payment terminal and debit card had to be very small, which was already difficult when a card was inside a bag or wallet. A payment terminal also had to be registered before it could process transactions, making this unattractive to criminals. In addition, the amount would be limited to \u20ac25. If misuse nevertheless occurred, the bank would reimburse the loss.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The Dutch Payments Association emphasised that contactless payments were secure and particularly convenient. A special protective sleeve for the debit card was not required.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.pin.nl\/consument\/contactloos-betalen-met-betaalpas-of-mobiele-telefoon\/veiligheid-contactloos-betalen\/\" target=\"_blank\" rel=\"noreferrer noopener\">Read more about the security of contactless payments on PIN.NL<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a> (in Dutch).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Contactless debit card payments are secure, with strict distance, registration and payment limits protecting cardholders.<\/p>\n","protected":false},"author":5,"featured_media":2305,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"editor_notices":[],"footnotes":""},"categories":[20],"btv_subject_tax":[16],"class_list":["post-2304","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","btv_subject_tax-card-payments"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin  - 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