Visa payWave cards have an embedded antenna and microchip, enabling "contactless" communication with a reader at the checkout. No swiping, inserting, signing or PIN is required for purchases under the merchant's set limit. If your purchase is over the merchant's set limit, you may be asked to sign, swipe or insert your card instead.
Similarly, Visa payWave - enabled mobile devices with built-in near field communications (NFC) technology combined with an application, facilitates the same kind of instant communication with the reader. When you wave your phone in front of the contactless reader, the Visa payWave application safely transmits encrypted payment information to the reader. If your purchase is over the limit, you may be asked to insert your card or enter a PIN and tap a second time.