tapandgo

Tapandgo, often written tap-and-go or tap and go, refers to a payment method that uses contactless technology to authorize transactions by tapping a payment card or compatible device near a reader. The system typically relies on near-field communication (NFC) or radio-frequency identification (RFID) and follows EMV contactless specifications. Card networks such as Visa payWave and Mastercard PayPass, as well as mobile wallets like Apple Pay and Google Pay, enable tap-and-go payments by transmitting a tokenized credential rather than the actual card number.

Tap-and-go is commonly used for low-value purchases and in situations where speed matters, such as transit, convenience stores, and cafés. Many merchants apply per-transaction limits that allow payment without a PIN, with higher-value purchases sometimes requiring a PIN or alternative verification. Adoption is aided by broad merchant uptake and the growing availability of NFC-enabled cards and devices.

Security features include cryptographic per-transaction data and tokenization, which reduces exposure of raw card details. Devices can be protected with screen locks and remote wipe capabilities. While tap-and-go is generally considered safer than traditional magstripe payments, it remains subject to risks such as relay attacks or compromised readers. Users are advised to keep devices secure and disable contactless when not needed, particularly if a device is lost or stolen.

Availability and limitations vary by country and merchant. Some regions impose caps on contactless spending or require additional verification for certain transactions, while others have widespread support in retail and transit networks.