What happens after you tap a payment card?
A tap looks like one action, but an EMV payment involves several exchanges. The card and terminal communicate, transaction-specific data help authenticate the payment, and an online transaction asks the issuer for approval. Approval is only one stage in the broader payment process, and different payment systems do not all follow an identical route.
Questions you could explore
- What is the difference between checking the card and deciding whether to approve the purchase?
Start reading
- Secure Technology AlliancePublications: EMV FAQ
Separates card authentication from payment authorization and explains how contactless EMV uses transaction-specific data.
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