Still have questions?

PayPass is a new "contactless" payment feature on all Capital One cards. To make a purchase all you have to do is tap your MasterCard with PayPass on the special terminal featuring the MasterCard PayPass symbol at participating merchants.

The Capital One MasterCard with PayPass features an embedded chip and radio frequency antenna.

• Once you tap your Capital One MasterCard with PayPass at a PayPass-enabled reader, your card transmits your payment details wirelessly. In non-techie terms, this means you no longer have to hand over your card to the merchant to swipe it through a reader.
• Your account details are communicated to the reader, then processed through the highly-trusted MasterCard acceptance network.
• Shortly after you tap the reader using your Capital One MasterCard with PayPass, you'll receive payment confirmation. Then you're free to go on your way!

It is quick and easy! It's like having exact change wherever you go. You don't have to worry about carrying a lot of cash or keeping track of small cash purchases. And you still can use your Capital One MasterCard with PayPass the "traditional" way at millions of worldwide locations where MasterCard is accepted.

For existing customers – just call us at 1-800-481-3239!
For new customers – apply now!

If you do not have a Capital One credit card, you can apply for one now.
If you do have a Capital One card, please call our call centre. They'll be happy to assist you!

Just look for the PayPass logo on the right side of your card.

Wherever you see a MasterCard PayPass terminal or reader, simply tap your card on the contactless symbol when the merchant asks for payment. There's no need to swipe or insert your card. You'll know your card has been read when you hear a "beep" and see a green light flash. Within seconds, the transaction will be authorized. That's it! Generally, if you're making a purchase of $50 or less, no signature is necessary. Larger purchases will still require you to sign a sales slip.

Typically, within 1-2 inches of the MasterCard PayPass reader.

When you check out, the cashier will provide you with a receipt upon request.

To keep MasterCard PayPass transactions as easy and convenient as possible, MasterCard has allowed select merchants to waive the need for a signature for smaller purchases. Generally, if you're making a purchase of $50 or less, no signature is necessary. Larger purchases will still require you to sign a sales slip.

Your Capital One card allows you to take advantage of MasterCard PayPass and swipe technology. If you find yourself at the checkout of a retailer that isn't yet MasterCard PayPass enabled, you can still swipe your card.

Nothing. The clerk has to initiate a transaction. When it's time to pay, be sure to tell the clerk you're paying with MasterCard PayPass. Then they'll let you know when it's time to tap.

No. It doesn't matter how many times a card is read by the PayPass reader. The charge will only appear once on your statement. And with $0 fraud liability, you won't get stuck paying for unauthorized purchases.

No, but it's a good idea if you have more than one MasterCard with PayPass. We recommend that you take out the specific card you'd like to use.

• Faster in the checkout line so you can get on with your day
• Better record keeping than paying with cash
• Avoid digging for change or counting out bills
• Puts you in control – your card never leaves your hand
• Offers the convenience of not having to sign receipts for low-cost purchases
• It's like having exact change wherever you go!

It's the ideal way to pay when you want to get in and get out quickly, like at fast food restaurants, grocery stores, movie theatres or gas stations.

Yes! When you're making a transaction using MasterCard PayPass your card never leaves your hand. And with $0 fraud liability, you won't get stuck paying for unauthorized purchases.

Yes. Your Capital One MasterCard with PayPass never leaves your hand during payment so you're in control.

Treat your Capital One MasterCard with PayPass as you would any credit card. Always know where your Capital One MasterCard with PayPass is and keep it in a safe place.

Anywhere you see the MasterCard PayPass symbol, you can Tap & Go™. This includes fast food restaurants, grocery stores, movie theatres, gas stations and more on the way. If you don't see the MasterCard PayPass symbol, your MasterCard with PayPass can still be used by swiping at checkout, just like regular credit cards.

MasterCard PayPass is currently accepted at Tim Horton's, Loblaws, Petro Canada and more. Click here for a full list of participating merchants.