Chime debit cards support tap to pay functionality, allowing you to make payments by simply tapping your card. This convenient payment method is available on all Chime debit cards including the Chime Visa Debit Card, Chime Credit Builder Visa Credit Card, and metal Visa Debit Card.
How Tap to Pay Works on Chime Cards
Tap to pay, also known as contactless payment, utilizes NFC (near field communication) technology to transmit payment information securely when you tap your card on a payment terminal. When you hold your Chime debit card to the payment terminal, the embedded NFC chip communicates with the terminal to complete the transaction in seconds.
All Chime debit card variants including standard plastic, Credit Builder, and metal cards support tap to pay functionality. As long as you see the contactless payment symbol on a payment terminal, you can tap your Chime card to pay instead of inserting or swiping. Tap to pay is available at millions of retail locations and the list is growing every day.
Using Tap to Pay on Your Phone
In addition to plastic cards, you can add your Chime debit card to your mobile wallet like Apple Pay or Google Pay to enable tap to pay through your phone. Simply hold your phone near the payment terminal to pay using NFC technology. This provides the same contactless payment experience but even more conveniently through your mobile device.
Mobile wallets allow tap to pay for Chime cards on compatible smartphones. Make sure your phone has an NFC chip and add your card to the Wallet app. You can then checkout with just your phone at checkout instead of reaching for your physical card.
Transaction Limits and Security
Tap to pay transactions have limits to reduce risks in case your card is lost or stolen. The transaction limit for Chime debit cards is $100 per tap so any larger purchases require you to insert your chip. Limits help reduce potential losses from fraudulent taps.
Tap to pay includes transaction limits and uses tokenization for security. Your actual credit or debit card number is not transmitted during tap transactions. Instead a unique digital token is used to process the payment.
Benefits of Tap to Pay
Here are some of the main benefits of using tap to pay with your Chime debit card:
- Faster checkout – No need to insert or swipe, just tap and go.
- Convenience – Keep your card in your wallet or use mobile pay.
- Wide acceptance – Available at millions of retail locations.
- Security – Chip card and mobile wallet protection against fraud.
- Contactless – Avoid touching checkout keypads in stores.
As more people utilize tap to pay during the pandemic, retailers have rapidly adopted compatible terminals. Tap provides a fast, simple, and secure way to pay in stores with your Chime debit card or mobile wallet.
People Also Ask
Does the Chime Credit Builder card have tap to pay?
Yes, the Chime Credit Builder Visa Credit Card includes tap to pay functionality. You can pay by tapping your Credit Builder card just like a regular Chime debit card.
Can you use Apple Pay with Chime cards?
Chime debit cards are compatible with Apple Pay. You can add your Chime Visa debit card to Apple Wallet and pay with your iPhone or Apple Watch using Apple Pay.
Is there an NFC chip in Chime debit cards?
All Chime debit cards including Visa, Credit Builder, and metal cards contain an embedded NFC chip. This chip enables the tap to pay contactless payment feature at checkout.
What phones work with Chime mobile pay?
Chime debit cards can be added to any iPhone or Android phone that supports mobile payments through Apple Pay, Google Pay, Samsung Pay. Your phone needs an NFC chip to pay with Chime mobile wallets.
Do you have to activate tap to pay on Chime cards?
No activation is required to use tap to pay with Chime debit cards. As long as your card has the contactless payment symbol, you can tap to pay right away at supported terminals with transaction limits applied.