Ecommerce Terms

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Contactless Model 1

Contactless Model 1 is the type of contactless card payment that you experience in a retail environment, like a shop. The products you are buying are totalled up by the cashier, or a self-service machine, and you pay the total on the screen with your contactless payment card. When paying in this way on a …

Contactless Model 2

Contactless Model 2 is the type of contactless card payment that you experience when you travel on public transport in some large towns and cities. A good example of this in the UK is London. Some Contactless Model 2 schemes require you to tap on when you board and then tap off when you get …

Contactless Model 3

In Contactless Model 3, a contactless EMV card or device is associated with a pre-purchased ticket and used to travel. Travelling on a Contactless Model 3 scheme would require you to tap an associated contactless card on a card reader before travel so the bus operator can confirm the card gives you the authority to …

Tap & Cap contactless

Tap & Cap is one of several names given to the type of Contactless Model 2 payment method. It allows you to simply “tap” your contactless payment card (or device) onto a reader at the start of your journey. What you are charged for the journey is calculated later and then automatically from your account. …

TOTO (Tap On, Tap Off) contactless

Tap On, Tap Off is one of several names given to a type of Contactless Model 2 payment method. It allows you to simply “tap” your contactless payment card (or device) onto a reader at the start of your journey and “tap” again on a reader when you complete your journey. What you are charged …

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PCI DSS (Payment Card Industry Data Security Standard)

PCI is an industry standard designed to make it safer to use credit cards online by making sure that business collecting credit card data transmit and store it securely.

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QR code (Quick Response code)

The trademark for a type of matrix barcode (or two-dimensional barcode) first designed in 1994 for the automotive industry in Japan. A barcode is a machine-readable optical label that contains information about the item to which it is attached.

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SCA (Strong Customer Authentication)

SCA is a requirement that electronic payments are performed with multi-factor authentication, to increase the security of electronic payments.

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Tap & Cap contactless

Tap & Cap is one of several names given to the type of Contactless Model 2 payment method. It allows you to simply “tap” your contactless payment card (or device) onto a reader at the start of your journey. What you are charged for the journey is calculated later and then automatically from your account. …

TOTO (Tap On, Tap Off) contactless

Tap On, Tap Off is one of several names given to a type of Contactless Model 2 payment method. It allows you to simply “tap” your contactless payment card (or device) onto a reader at the start of your journey and “tap” again on a reader when you complete your journey. What you are charged …