Contactless Payment

Contactless payments mostly use NFC or RFID technology. The card or device exchanges encrypted data with the POS terminal within a few centimetres, and the transaction is authorised in a second or two.

Advantages include speed at checkout, convenience, hygiene and reduced wear on cards. Security is maintained through the short range, dynamic one-time cryptograms for each transaction (as with EMV chip payments), tokenisation in mobile wallets and per-transaction limits above which a PIN or device authentication is required.

QR code payments are sometimes also described as contactless because there is no physical contact with a terminal, although they work by scanning rather than NFC.

In Nepal, banks issue contactless-enabled debit and credit cards and deploy NFC-capable POS terminals, while QR-based scan-and-pay is the more widespread form of contactless payment for small merchants.

NRB allows contactless card transactions of up to Rs 5,000 each. The card-issuing institution sets the number of such transactions and its own risk controls.

सम्पर्करहित भुक्तानी प्रायः NFC वा RFID प्रविधिमा आधारित हुन्छ। कार्ड वा उपकरणले केही सेन्टिमिटरभित्र POS सँग इन्क्रिप्टेड तथ्याङ्क आदानप्रदान गर्छ र एक-दुई सेकेन्डमा कारोबार स्वीकृत हुन्छ।

फाइदा: छिटो, सहज, स्वच्छ र कार्ड कम खिइने। सुरक्षा: छोटो दूरी, प्रत्येक कारोबारको फरक क्रिप्टोग्राम, मोबाइल वालेटमा टोकनाइजेसन र तोकिएको सीमाभन्दा माथि PIN आवश्यक। क्युआर भुक्तानीलाई पनि सम्पर्करहित भनिन्छ तर यो NFC होइन, स्क्यानमा आधारित हो। नेपालमा कन्ट्याक्टलेस कार्ड र NFC सक्षम POS छन्, तर साना व्यापारीमा क्युआर बढी प्रचलित छ।

भुक्तानी कार्डमार्फत कन्ट्याक्टलेस कारोबार प्रतिकारोबार बढीमा रु ५ हजारसम्म गर्न सकिन्छ। यस्ता कारोबारको संख्या र जोखिम न्यूनीकरणको व्यवस्था कार्ड जारी गर्ने संस्था आफैँले तोक्नुपर्छ।