What Is the Maximum Payment that can be made with Contactless Card?

The world is undergoing a significant shift towards contactless methods, especially in the realm of payments. The convenience, speed, and added layer of security have made it a preferred choice for many consumers, with the COVID-19 pandemic accelerating its adoption due to health and safety concerns.

Maximum Contactless Payment

Worldwide Perspective

  • The US has a limit set around $200.
  • Asian countries like Japan, China, and Singapore at around £105.
  • Australia and New Zealand have set their limits just above the UK’s, which stands at £100.
  • Canada’s limit stands at 250 CAD.

It’s worth noting that there isn’t a daily cap on contactless payments. Occasionally, for security purposes, PIN verification is required to ensure the correct cardholder is making the payment.

Regional Insights

North AmericaBoth the US and Canada have given the autonomy of setting limits to financial institutions and card schemes.
EuropeProactive measures are in place, with each nation setting its own limits. The UK saw its contactless limit rise to £45 by 2020 and hit £100 in 2021.
Asia-PacificThe region has the highest adoption rates. Limits vary, with countries such as Australia and New Zealand sitting at around $200 and $200 NZD respectively.

The Need for CVM Limit

Contactless payment limits, often termed Cardholder Verification Method (CVM) limits, are put in place primarily to safeguard consumers from potential fraud. Transactions that surpass this predefined CVM threshold necessitate additional verification methods like PIN, signature, or even biometric authentication. As these limits differ from bank to bank, and from country to country, it’s integral for businesses to stay updated and compliant.

Updates in a Nutshell

  • Major card networks are enhancing their CVM limits.
  • CVM or Card Verification Method is a means to ascertain whether the card’s rightful owner is using it.
  • For Square sellers, the contactless transaction limit is set at a whopping $10,000.
  • Interestingly, mobile wallet payments such as Apple Pay have an even higher threshold, supporting transactions up to $50,000 without needing a signature.
  • It’s crucial to remember that card issuers, like Wells Fargo or Chase, might have their own set of transaction limits.


Contactless payments are more than just a trend; they represent a shift in how transactions are approached worldwide. As the world adapts, it’s crucial for businesses to stay informed and updated on the latest limits and guidelines, ensuring seamless transactions and enhanced customer experiences.


1. How many times can you use contactless before it declines?

You can utilize your contactless card without restrictions daily. Yet, for security purposes, the majority of banks cap contactless transactions to five each day. After this, a Chip & PIN verification becomes necessary. Though most banks adhere to this rule, some variations exist.

2. How do I increase my contactless limit?

To modify your limit:

  1. Open your Mobile Banking app.
  2. Select the account linked to your debit card.
  3. Opt for ‘Manage my card & Apple Pay / Google Pay’.
  4. Click on ‘Card payment controls’.
  5. Choose ‘Contactless payment limit’.
  6. Pick your desired limit between £5 and £100, incremented by £5.
  7. After reviewing, press ‘Save’ to confirm.

Note: Setting a limit below £100 will also apply to contactless Apple Pay or Google Pay™ transactions.

3. What happens if I attempt a contactless payment above the limit?

Attempting a payment beyond the stipulated contactless limit or a self-set limit in Mobile Banking will result in transaction declination.


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