A contactless card is equipped with the “Touch & Pay” option, a faster and simpler way to pay. All MCB contactless cards have a contactless symbol   – it’s at the front of your card and for American Express® Cards, it’s at the back.

During a contactless transaction, your card stays in your hand. There is no need to insert it into the point-of-sale terminal and enter your PIN code. To Touch & Pay, simply tap your card on the payment terminal. When you hear the beep or see a green light, your transaction is completed.

Different limits apply for contactless payments locally and abroad.

Limits applicable locally:

• Transaction limit: You can Touch & Pay for a purchase up to Rs 2,500 without having to enter your PIN code. If the amount exceeds Rs 2,500, you will need to enter your PIN code to validate your payment.
• Total cumulative limit: You can continue to Touch & Pay for different purchases of Rs 2,500 (transaction limit) without having to enter your PIN code until the total cumulative amount reaches Rs 10,000.

Limits applicable abroad:

• Transaction limit: You can Touch & Pay for a purchase up to Rs 10,000 without having to enter your PIN code. If the amount exceeds Rs 10,000, you will need to enter your PIN code to validate your payment.
  Note: The transaction limit in each country differs. Though your card is enabled for a transaction limit of Rs 10,000, this amount could be less in another country depending on the country’s limit. Kindly ask the merchant if you can make a contactless payment before proceeding.
• Total cumulative limit: You can continue to Touch & Pay for different purchases without having to enter your PIN code until the total cumulative amount reaches Rs 10,000.

Yes. If you prefer so, you can use your MCB contactless card the traditional way. Simply tell the merchant you do not wish to use Touch & Pay. Your card will then be inserted into the payment terminal and you will be requested to enter your PIN code.

Yes. Your contactless card is safe. As your card stays in your hand, not only are you in control when you make a contactless transaction, but it also makes this mode of payment a hygienic one.

The said application will only be able to read data which is already displayed on your card, that is, the card number and expiry date. Any other information is encrypted.

Immediately contact our Customer Service on +230 202 6060 (lines are open 24/7) or visit your nearest branch to have the card blocked and request a replacement one.

Look for the contactless symbol     on the merchant’s point-of-sale terminal. If this symbol is present, it means that the terminal is enabled for contactless transactions and you can use Touch & Pay for your purchase. If in doubt, do not hesitate to ask the merchant if contactless payments are accepted.

The contactless feature is embedded in most MCB cards. If you do not wish to use Touch & Pay to settle your purchase, you can tell the merchant. Your card will then be inserted into the payment terminal and you will be requested to enter your PIN code. Where applicable, you may choose to turn off the ‘Touch & Pay’ option directly via your MCB Juice app, under the ‘Cards’ section, and turn it back on at your convenience.

You can use your contactless card at any contactless-enabled POS terminal worldwide.

Yes. Your card will simply be inserted into the POS terminal and you will need to enter your PIN code.

You will hear a beep and see the terminal light up. A message will also be displayed, confirming that your transaction has been successful.

They will be displayed just like any other purchase made with your card.

Contactless cards and machines do not work beyond a distance of 4-5 centimetres (depending on the POS model). In any case, the card should be removed from your wallet to be used.

No. Contactless machines and cards have a limited range. Your card needs to be within 4-5 centimetres from the terminal to be read.

No. Even if the card touches the terminal more than once, you will be billed for a unique purchase.

No, just treat it as you would treat any of your bank card. Always know where your card is and keep it in a safe place. Check often to make sure none of your cards are missing and keep a record of all your card numbers and expiry dates. Also, keep our MCB Customer Service number (+230 202 6060) handy.

If you have a new card, you must first make a transaction using your PIN code, at any point-of-sale terminal, before you can start using its contactless option. If you have an existing debit or credit card and have already made a transaction using your PIN with that card, the contactless option will automatically be activated and you can Touch & Pay for your purchases.

No, there is no need to load any funds onto your contactless card. The funds will be used from the available balance of your account.