Is Tap-To-Pay Secure? Five Reasons to Start Tapping

Tap-to-pay, also known as contactless payment, is often considered more secure than traditional payment methods, such as cash or magnetic stripe cards. Here are a few reasons why:


Tap-to-pay transactions are encrypted, which means that the sensitive information transmitted between the card and the point-of-sale (POS) terminal is protected from unauthorized access.

Dynamic authentication

With tap-to-pay, a unique code is generated for each transaction, making it difficult for fraudsters to use stolen information to make unauthorized purchases.

Limited transaction amount

Most contactless payment systems have a limit on the amount that can be spent in a single transaction. This makes it difficult for fraudsters to make large purchases with a stolen card or device.

Reduced physical contact

Unlike traditional payment methods, tap-to-pay does not require physical contact with a card or device, which reduces the risk of physical skimming or other types of fraud.


Financial institutions (including us here at Radiant) are constantly monitoring tap-to-pay transactions for suspicious activity, and will quickly notify customers if they detect any unusual activity on their account.

However, it is important to note that like any technology, contactless cards are not foolproof. There have been reports of card skimming and hacking attempts by individuals looking to steal cardholder data. Despite these risks, the chances of experiencing such fraudulent activities are relatively low, and the convenience and safety benefits of contactless payments often outweigh the risks.

To safely use contactless cards, it is important to take simple precautions such as keeping the card in a secure place, not sharing card details with others, and regularly checking bank statements for any unauthorized transactions. If any suspicious activity is detected, it is crucial to immediately report it to the card issuer and to request a replacement card.

Don't Worry, Be Tappy!


All Radiant Credit Union Credit and Debit Cards are contactless (Tap-to-Pay). Experience the ease and security of tap-to-pay today. 

Give it a try.