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PayPass Frequently Asked Questions

Back to MasterCard PayPass

  1. What is MasterCard PayPass?
  2. How does MasterCard PayPass work?
  3. Why would I want to use MasterCard PayPass?
  4. Is MasterCard PayPass secure?
  5. Are there transaction limits for using MasterCard PayPass?
  6. Could a signature till be required for MasterCard PayPass purchases?
  7. How do I know if my card has the MasterCard PayPass feature?
  8. How will transactions appear on my statements?
  9. What do I do if my card is lost or stolen?
  10. Can my card be charged by accident or multiple times?
  11. Where can I use my RBC MasterCard card?
  12. Where can I "tap" my RBC MasterCard card with PayPass?

1. What is MasterCard PayPass?

MasterCard PayPass is a "contactless" feature included on all RBC® MasterCard cards for no added fee. It lets you pay for purchases at MasterCard PayPass -- accepting locations without having to swipe your card and in most instances a signature is not required.

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2. How does MasterCard PayPass work?

In addition to a magnetic stripe for traditional transaction processing, your new RBC MasterCard card with PayPass includes a small radio antenna. This antenna allows you to tap your card at MasterCard PayPass readers to pay for small purchases – typically under $25. Each merchant has its own maximum limits for PayPass transactions and a signature may still be required in some instances. In the event that your PayPass transaction cannot be completed, swipe your card to complete the transaction with a signature.

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3. Why would I want to use MasterCard PayPass?

MasterCard PayPass lets you tap your way through everyday purchases. You no longer have to worry about the exact change or fumbling with coins so speeding through checkouts is a breeze. It´s ideal for small purchases at coffee shops, fast food restaurants, convenience stores and movie theatres. Plus you will always have a record of your transactions which is not always the case for small purchases traditionally made by cash.

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4. Is MasterCard PayPass secure?

Your RBC MasterCard with PayPass features multiple layers of protection. Transactions continue to be safe and secure and because the card does not leave your hand, you´re in control. In addition, you´re protected against fraudulent transactions under the MasterCard Zero Liability Policy which means you are not liable for fraudulent charges provided you take reasonable precautions to protect your card, as set out in your RBC Royal Bank MasterCard Agreement. Transactions also continue to be protected with Purchase Security and Extended Warranty Protection.

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5. Are there transaction limits for using MasterCard PayPass?

MasterCard PayPass is designed for small purchases – typically under $25. It´s fast, convenient and secure, and perfect for use at grocery stores, pharmacies, gas stations, fast food restaurants, convenience stores, coffee shops and vending machines. Each merchant has its own limit for maximum transaction values using MasterCard PayPass. In the event that your RBC MasterCard PayPass transaction cannot be completed, swipe your card to complete the transaction, as you do today, with a signature.

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6. Could a signature still be required for MasterCard PayPass purchases?

Yes. As each merchant has its own limit for maximum transaction values using MasterCard PayPass, it is possible that a signature could be required for purchases if limits have been exceeded. Go ahead and sign the receipt to complete the transaction.

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7. How do I know if my card has the MasterCard PayPass feature?

All RBC MasterCard cards contain the PayPass feature. To be certain that your card does in fact contain the feature, look for one or both of these symbols on either the front of back of your card. paypass

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8. How will transactions appear on my statements?

Transactions are authorized, processed and billed in the same secure way as all MasterCard transactions. Transactions will appear as a regular line item on your MasterCard statement.

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9. What do I do if my card is lost or stolen?

If you card is lost or stolen or if you suspect fraudulent activity on your card, contact us right away:

Within North America: 1-800-769-2512
Outside North America: 514-218-2929 (collect)

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10. Can my card be charged by accident or multiple times?

Your RBC MasterCard card must be placed very close to a MasterCard PayPass reader to complete the transaction. Simply walking by a checkout that has a PayPass reader will not cause your card to be charged. In addition, if your card is waved in front of a reader more than once, you will only be billed once.

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11. Where can I use my RBC MasterCard card?

While you can use your card anywhere in the world where MasterCard is accepted, you also have the convenience of using your card for PayPass purchases at participating grocery stores, pharmacies, gas stations, fast food restaurants, convenience stores, coffee shops and vending machines. It's fast, convenient and secure.

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12. Where can I "tap" my RBC MasterCard card with PayPass?

The list of merchants that accept MasterCard PayPass is constantly growing. Look for the MasterCard PayPass symbol in store or for the most up to date information on where you can wave and pay using your RBC MasterCard card, check out the MasterCard Canada website at: www.mastercard.ca (opens external website in new window).

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