Frequently asked questions for contactless payment


Why should I use the contactless technology?

This way of payment is faster and easier than other ways of payment.

What are the advantages from the contactless technology?

  1. 1. You need not to enter your PIN code for payments under MKD 750;
  2. 2. Contactless payment is faster, it shortens the time of execution of payments;
  3. 3. You have the control, you have the data on your card which you hold in the hand during the payment;
  4. 4. Records on your daily payments shall be disclosed on the statement of your account.

How do I know if my card has contactless thecnology?

If you notice any of the following symbols on your card, it means that it has contactless thecnology:




How do I get a contactless card?

Our clients will be automatically issued contactless cards when their cards need to be renewed or changed.

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How do I use my contactless card?

  1. 1. Look for the contactless symbols when you pay for transactions under MKD 750;
  2. 2. Wave or tap the cards close to the terminal enabled for contactless payments;
  3. 3. Payment is done when you see the green light or hear a beep sound. For additional security you might be required to enter your PIN code.

How do I know if the retail merchandisers offer contactless payments?

Any merchandiser that has any of the symbols for contactless technology offers contactless payment.




Where do I use my contactless card?

You can pay with your contactless card anywhere you see any of the symbols for contactless payment. There are already many merchandisers in the Republic of North Macedonia offering contactless payment, and their number is permanently increasing.

With your contactless card you can also pay in the usual manner (by entering PIN or signature) at any point payment cards are acquired, if there is no technical possibility for contactless payment.

Can I use the contactless card to get cash from an ATM?

No, you cannot get cash out at an ATM contactlessly. The procedure for cash withdrawal at an ATM is the same as for all other cards.

How far from the contactless terminal should I hold the card?

You should hold your contactless card few centimeters from the terminal acquiring contactless payments. If you decide to have several cards in your wallet or bag while you pay, only one card shall be read by the contactless payment terminal.

Is there any limit on the amount of purchased products?

The limit of Komercijalna Banka for contactless transaction is MKD 750. You will be asked for a PIN code over that amount.

Are there additional fees for payment executed with a contactless card?

No, there are no additional fees for use of the contactless card.

How do I know if the payment has been made?

The card reader will indicate that the payment has been made – a light, beep or indicator will let you know the payment has been successful.

Will I get a receipt for contactless transactions?

Contactless payments are designed for transactions under MKD 750 to be executed fast and easily. If you would like a receipt to confirm the contactless transaction, just ask the merchant when you pay.

If I carry more than one contactless cards in my wallet, which one will be used if I tap or wave my wallet to the contactless card reader?

It is always better to take the card out of the wallet and wave to the reader – this will give you assurance that you pay with the right card. If you touch the terminal with few cards, the red light flashing indicates that the payment is not completed.

Can I use the card abroad?

Yes, you can use it each point of sale having any contactless payment symbol.

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Is contactless technology secure?

Yes. The contactless technology is one of the latest types of secure encryption technology (the same as chip and PIN), which means that you can feel safe when use it for payment. There is maximum amount allowed per transaction of MKD 750. From time to time you might be required to enter your PIN code in order to be verified as a true card holder. If your card is lost or stolen we recommend you to notify the Bank thereof immediately once you realize it.

Could I unknowingly make a transaction as a walk past a contactless card reader?

No. The retailer must have entered the amount for you to approve first, and then your card has to be held within a few centimetres of the terminal for no longer than half a second.

Could my card details be sniffed during a payment?

Contactless only works when a card is within a few centimetres of the card reader. This makes it virtually impossible for any details to be intercepted while in use. Each contactless card reader has security technology.

Is there any chance that payments may be taken twice from my card?

No. Contactless card readers are only able to make one transaction at a time. As a safeguard, each transaction must be complete or void before another can take place.

How do I know that my information on completed transaction is secure?

Platforms of contactless technology are based on secure „EMV“ chip technology, which provides data protection, and security of transaction by using keys and recent encryption technology . Transactions are exercised through the same payment network as the chip transactions.

If my card is lost or stolen, can the person that finds it use repeatedly?

If someone makes several contactless payments in a row, they may be prompted to enter the card's PIN for security validation. Contactless transactions are further protected by the fact that they can only be made on the amount under MKD 750. For transactions over that amount you will be requested to execute chip and PIN payments in the usual manner. If your card is lost or stolen please inform the Bank thereof immediately.

What should I do if my contactless card is lost or stolen?

Let us know right away by calling (+389 2) 3247-474. If anyone has fraudulently used your contactless card, as long as you’ve kept your details safe, you will not be responsible for any losses.

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