How does it work?
There is an embedded antenna and microchip in your mobile pay tag and in your tap & pay card. This chip is activated when it is placed right next to the payment reader, wirelessly communicating the information needed to complete the transaction.
Tap to pay
A tap & pay device for your credit card helps simplify your life, speeding up everyday transactions in the grocery store or coffee shop. For most purchases, all it takes is a quick touch of your pay tag-equipped mobile or cell phone, or tap & pay card, and you're done.1
- Every transaction made with your personal credit card is protected by our $0 Liability Guarantee2
- Available for Visa® and MasterCard® credit cards3
- You won't typically be asked to sign for purchases under $50 for MasterCard and $25 for Visa to complete your transaction.
- Saves you from carrying pocket change
- No need to swipe or insert your card1
Simplify further with mobile pay tag
With a mobile pay tag, your phone4 becomes the way you pay.
With mobile pay tag, you pay with your phone
Mobile pay tag takes tap & pay a step further. It is a companion to your credit card that attaches to the back of your mobile phone1. The mobile pay tag contains the same technology as the tap & pay card — a tiny antenna and a microchip — that communicates with the payment reader when placed right next to it. So you just tap your phone to pay. It's safe and secure, and oh-so-convenient, freeing you from taking your wallet everywhere you go. You can get mobile pay tag for your:
- Credit card2
When you sign up, you'll receive your mobile pay tag. Just snap it from the plastic shell and attach it to the back of your mobile device, positioned over the battery cover1. Then you can simply tap your phone wherever you see the symbol to easily, quickly and securely pay for purchases.
Frequently Asked Questions
Get answers to frequently asked questions about tap & pay here.
Using tap & pay devices:
Q: How do I know which merchants accept tap & pay cards and tags?
A: To find out which merchants near you accept credit cards using the tap & pay feature, visit visapaywave.com/locator for Visa® and paypass.com for Mastercard®.1
Q: How do I use my mobile phone at the checkout?
A: When you get to the checkout, simply tap the back of your mobile phone with the attached tag to the reader. Listen for a beep and/or look for the green lights on the terminal indicating your payment has been accepted.
Q: Do I need to enter a PIN or sign for tap & pay transactions?
A: You may be asked to sign for transactions greater than $50 for MasterCard and $25 for Visa.2
All about security:
Q: Are my transactions secure?
A: Yes. In fact, paying with new tap & pay devices offers security advantages:
- You are in control & your phone with the attached tag never leaves your hands to make a payment. Just tap & pay and be on your way.
- No accidental payments — your phone must touch the reader at checkout to work.
- Plus, your personal card transactions are always protected by Bank of America's $0 Liability Guarantee3. You're not responsible for any fraudulent charges that occur on your account.
- You are never billed twice — even if you tap more than once at checkout, you'll only get billed once for your purchase.
Q: What is the $0 Liability Guarantee?
A: With Bank of America's $0 Liability Guarantee you'll have less disruptions and less hassle if there are fraudulent charges on your personal credit cards. So you can have peace of mind knowing you won't be held responsible for any fraudulent purchases.3
Q: What if my mobile phone, pay tag or the card it's linked to is lost or stolen?
A: If you lose your mobile phone with the pay tag attached, or if you lose the card or suspect fraudulent activity on the linked card account of your tap & pay device, stop using your tag, mobile phone or card. Contact the number on the back of your companion card plastic to report your card lost or stolen.4
Billing and accounts:
Q: I do not have a personal credit card: Can I still get a mobile pay tag or tap & pay card?
A: Mobile pay tags are currently available for most personal credit cards. Click here to learn more about or to apply for a personal credit card from Bank of America.
Q: How will purchases appear on my statement?
A: Purchases will be displayed on statements just like any other purchase made with your traditional credit card.4
Q: May I receive additional mobile pay tags for others who are authorized to use my account?
A: Yes, you may request a mobile pay tag for others authorized to use your account. Remember that you may only affix one pay tag to each mobile device.
Getting started:
Q: Where should the mobile pay tag be placed?
A: Affix the pay tag to the backside of your mobile phone, typically over (if using a case/skin) or on the battery cover, away from the edges of the phone. By installing, removing, and/or using the pay tag on your mobile phone, it is possible that the warranties covering your mobile phone are voided and that your mobile phone, you, or your property may be damaged. BAC is not liable for any damage to you, your body, your property, or your mobile phone, including but not limited to loss of warranties, physical damage, data corruption, phone interference, inability to make or receive phone calls, degradation of phone capabilities, change in Specific Absorption Rate rating, software corruption, and/or lost data, to your mobile phone. You are responsible for determining what warranties may be voided by the use of the tag with your mobile phone. You assume all risks for any damage and loss of warranties.5
Q: Can mobile phone covers interfere with the performance of the mobile pay tag?
A: Covering a mobile pay tag with a mobile phone cover or skin may interfere with the signal to the tap & pay technology reader which could impact performance of the mobile pay tag. Tags can be placed on the mobile phone cover if desired.5
Q: Can the mobile pay tag be used at ATMs?
A: No, at this time the mobile pay tag can only be used to make payments at merchants equipped with tap & pay technology readers. Credit cards with the tap & pay feature can be inserted at the ATM, just like a standard credit card.
Use it wherever you see the tap & pay symbol
Try it at a retailer around the corner or across the country. There are thousands of locations — quick serve restaurants, drug stores, gas stations, taxis and more — where you can use tap & pay cards and tags to simplify your life.
Discover all the merchants near you that accept tap & pay cards and tags for:
Get the quick way to pay today
You can simplify your transactions with a mobile pay tag and tap & pay cards for both Visa®1 or MasterCard®2 credit cards. Remember, you can only have one mobile pay tag on your phone at a time.
Visa® or MasterCard® credit card
Please follow these simple steps:
- Sign into Online Banking
- Select "Customer Service" tab at top
- Under Credit Card, click "Request a tap & pay device"
purchases under $25 for Visa cards and $50
for MasterCard cards. Receipt can be printed
upon request. Terms and conditions apply.
The $0 Liability Guarantee covers fraudulent
purchases and payments made by others
using your Bank of America credit and debit
cards. To be covered, report purchases made
by others promptly, and don't share personal
or account information with anyone. Access to
funds will be next business day in most
cases, pending resolution of claim. Consult
customer and account agreements for full
details.
Tap & pay devices are available for most
personal Visa and MasterCard credit cards,
but not currently available for business credit
cards.
By installing, removing, and/or using the tag
on your mobile phone, it is possible that the
warranties covering your mobile phone are
voided and that your mobile phone, you, or
your property may be damaged. BAC is not
liable for any damage to you, your body, your
property, or your mobile phone, including but
not limited to loss of warranties, physical
damage, data corruption, phone interference,
inability to make or receive phone calls,
degradation of phone capabilities, change in
Specific Absorption Rate rating, software
corruption, and/or lost data, to your mobile
phone. You are responsible for determining
what warranties may be voided by the use of
the tag with your mobile phone. You assume
all risks for any damage and loss of
warranties.
For optimal performance, the mobile pay tag
should be placed on the mobile phone cover
or skin, over the battery cover, away from the
edges of the mobile device. Otherwise, the
tag should be placed on the battery cover and
not over other phone features such as the
camera or antenna. More than one tag (from
any source) should not be placed on the
same mobile phone. The tag should not be
affixed to a debit or credit card of any type.
The tag is approximately 1" x 2" and may not
be suitable for small flip phones. The tag
should not be removed from the phone for
re-positioning or use on another device as
this may weaken the bond and the tag may
fall off.
Visa and payWave are registered trademarks
of Visa International Service Association, and
are used by the issuers pursuant to license
from Visa U.S.A. Inc.
MasterCard is a registered trademark, and PayPass and Tap & Go are trademarks of MasterCard International Incorporated.
The tap & pay card or mobile pay tag provided to you is associated with your personal credit card account and is bound by the terms and conditions set forth in your credit card agreement. You individually assume all liability for all transactions, such as, but not limited to, charges, incurred against your card account — regardless of whether the transaction is incurred by you or by another party, or whether the transaction is processed by using the tap & pay card or mobile pay tag, by swiping your credit card plastic, via an online transaction, or by any other means to process or complete your transaction. Please take reasonable steps to safeguard your tap & pay card or mobile pay tag as you would your traditional credit card.
Visa and payWave are registered trademarks
of Visa International Service Association, and
are used by the issuers pursuant to license
from Visa U.S.A. Inc.
MasterCard is a registered trademark, and
PayPass and Tap & Go are trademarks of
MasterCard International Incorporated.
