Tap for an easier way to pay.
When you see the contactless indicator on the front or back of your card, it means the contactless technology is built into your card and ready to use.- Your Tap & Go® enabled card works at millions of locations where you shop every day. Tap where you see the contactless symbol at checkout.
- Pay in seconds. It’s that easy!
Get all the benefits of Tap & Go®
Quick
Speed through checkout at the places you shop.
Secure
Peace of mind with every tap.
Simple
Just a tap is all it takes.
Set up your BMO card in your digital wallet as another way to Tap & Go®.
How it works
- Look for the contactless symbol on the terminal when you check out.
- Tap your card to the terminal to make a fast and secure payment.
- …then get on with your day!
Contactless Payments FAQs
In addition to having a magnetic stripe (for swipe transactions) and an embedded chip (for insert transactions), contactless cards also have a radio frequency (RFID) antenna that communicates with the contactless enabled checkout terminal (for tap transactions). The terminal uses near-field communication (NFC) technology to communicate with the contactless card. When you’re ready to checkout, look for the contactless symbol on the terminal and simply tap your contactless card on the terminal. Your card has to be within 4 centimeters of the terminal for transaction to process.
Contactless payments are easy with a simple Tap & Go® functionality. They’re faster than swipe or insert transactions. And they have the same security and encryption as a chip transaction.
Yes, some merchants may require your PIN (for debit cards) or signature (for credit cards).
Contactless cards use the same NFC technology as digital wallets such as Apple Pay®, Google Pay™ and Samsung Pay™. You can use either payment method to make a contactless transaction. Learn more about digital wallets here.
Yes, you can still swipe or insert your card to make a payment. You can choose to tap your card against the contactless enabled terminal for convenience and speed.
You can use your contactless card or digital wallet anywhere Mastercard® is accepted and you see contactless symbolat the checkout terminal. To find out if a merchant accepts contactless payments, click here.
Yes, with Zero Liability Protection you will not be held responsible in the event of unauthorized purchases.
Consumer and Business Debit Card: if your current card has a contactless indicator on the front or back, that means you can tap to pay. If you do not have a contactless card, please call or visit your nearest branch to request one.
Consumer Credit Card: your current card is contactless enabled. Look for the contactless symbol on the front or back of your card. If you don’t have a BMO Credit Card, apply now.Business Credit Card: if your current card has a contactless indicator on the front or back, that means you can tap to pay. If you do not have a contactless card, please call or visit your nearest branch to request one.
- Footnote 1 details Message and data rates may apply. Contact your wireless carrier for details.
- Footnote 2 details Pay only for purchases that you have authorized on your Mastercard card. Unauthorized purchases are not your responsibility. Conditions and exceptions apply. Get details here.
- Google Pay is a trademark of Google LLC. Apple and Apple Pay Are trademarks of Apple Inc., registered in the U.S. and other countries. Samsung and Samsung Pay are registered trademarks of Samsung Electronics Co., Ltd.
- Mastercard and Tap & Go are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated.