Contactless payment technology is using the card by waving the card over a reader and the payment is accepted. There is no need to swipe the card and enter the PIN. The contactless payment is allowed up to a purchase of Rs. 2,000. Over and above this amount the card has to be swiped and the pin entered. The payment terminal will also say whether the transaction is successful or not. In case the terminal does not work then the card has to be swiped and the pin entered.