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3 ways to pay without touching anything

May 21, 2021
7 min read
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Editor's Note

This post has been updated with new information.

In the past year, we've seen the full adoption of contactless payments, as the pandemic made us reduce the number of touchpoints we access on a day-to-day basis.

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By limiting the amount of cash you handle — or by avoiding your physical credit card and wallet altogether — you’re not just preventing yourself from coming in contact with someone else’s germs; you’re keeping others safe from yours as well.

Related: How to clean your credit cards

In this post, we'll go over the three ways to pay without ever pulling out your credit card or cash.

Pay ahead online or in-app

Many consumers now order their meals directly through apps such as Uber Eats. (Photo by Beata Zawrzel/NurPhoto/Getty Images)

This is something you're probably used to when ordering online from places like Amazon and Uber Eats. Your cards are saved and all you have to do is check out. This is certainly one of the easiest and most common contactless payment methods. Many restaurants have adopted this order-ahead method as the new norm, eliminating contact while also streamlining the whole process.

I actually used this process earlier today when I ordered something last-minute at Target that I plan to pick up curbside later. Because my payment details are stored with my Target account, I was able to prepay for my order so that all I'll need to do when I arrive at Target is wait for my order.

Use mobile payment services

Mobile payment services like PayPal and Venmo have become extremely popular in the past year. (Photo by Nopparat Khokthong/Shutterstock)

Mobile payment services like Venmo or PayPal allow you to safely transfer money directly from your bank account to third parties with a simple touch of a button. This eliminates the need to pull out cash or your card.

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Related: You can now use PayPal and Venmo directly within the Amex app

And frankly, these services make the whole payment process much smoother. Many businesses like Seamless, GrubHub and UberEats have started to accept Venmo. It's also an option at many small, local businesses. PayPal is often an option during checkout at millions of online retail stores.

Use a mobile wallet

The "tap to pay" symbol can be found virtually everywhere now. (Photo by Peter Macdiarmid/Getty Images)

Mobile wallets work similarly to tap-to-pay cards, minus the credit card. Not to mention this method can sometimes be more rewarding. For instance, Apple tries to incentivize Apple cardholders to utilize Apple Pay by offering an extra 1% cash back on mobile payments. Another perk of Apple Pay is that you can load other loyalty programs into it, like Walgreens, so you don't have to punch in your phone number on the dirty payment terminal.

Related: Your guide to contactless payments — and the many benefits of using them

How other countries approach contactless payments

The U.S. has been unbelievably slow in adopting contactless payments. It wasn't until 2015 that U.S. retailers were required to accept EMV cards (i.e., credit cards with chips). Europe had been using the more secure technology for years before that. And it took even longer for U.S. banks to issue dual interface cards — also known as the feature that allows for contactless payments.

Although the U.S. lagged behind many parts of the world in issuing dual interface cards, the trend has gained steam domestically over the past few years. Many U.S. issuers have begun issuing dual-interface cards with contactless payment capabilities. I can say from experience that our payment terminals are far less efficient than those in countries including Australia and China, which have been using this method for years now. However, with the new expectation of less contact due to the coronavirus, we widely adopt these efficient practices from leading countries. Here's an idea of what we could expect:

Related: Best contactless credit cards: Tap to Pay

QR code payments

While most restaurants offer QR code menus, many restaurants in China offer QR codes directly to pay. (Photo by Ethan Steinberg/The Points Guy)

QR code payments are a popular payment method in China. This method allows customers to easily complete payments without any contact. TPG's previous writer, Ethan Steinberg, who lived in China until March 2020, shared the photo above from a food stall in Xi'an. All you have to do is scan in line and then pay while they make the food — it only takes a few seconds.

Tap-to-pay everywhere

On a recent trip to Australia, I was amazed at how seamless every payment was. I never once swiped my credit card. Instead, I tapped my Chase Sapphire Preferred Card and the transactions were completed within seconds. I was also pleasantly surprised with how widely accepted credit cards were. I'm so used to carrying around some extra cash for those cash-only spots, but I didn't run into that issue anywhere in Australia.

While the complete elimination of cash is a different issue on its own, I did appreciate how efficient the Aussies were with their payments. This is something that I hope is adopted here in the U.S. in the coming months.

Widespread adoption of tableside payments

Tableside payments may be another option for reducing touchpoints overall, as the customer swipes or taps their own card to pay. (Photo by LightField Studios/Shutterstock)

We could soon see more widespread adoption of tableside payments at U.S. restaurants to avoid the mixture of cash and credit cards that constantly travel between the kitchen and the dining room.

By implementing tableside payments, guests could easily tap-to-pay and avoid contact with various other surfaces. This is something that many restaurants in Australia and countries in Europe currently implement. Not only is it super-efficient, but it's also much more secure for customers since you never lose sight of your card.

Touchless options in the travel sector

Many travel merchants are implementing touchless platforms throughout the guest service experience. For example, Hilton has long offered digital room keys and is further enhancing the mobile app to enable touchless temperature controls, TV, lights, and more.

You can use your phone as your hotel key at some hotels, which also comes in handy when you lose your physical key. (Photo by Ethan Miller/Getty Images)

Major hotel chains have already begun removing literature from guest rooms in order to eliminate the spread of germs. In-room dining has been expanded at hotels that have been forced to shutter restaurants, with paper menus replaced by digital menus accessible via QR codes.

Bottom line

Pay ahead, mobile payment services and contactless payments are here to stay. Even as the CDC relaxes mask requirements and eases social distancing requirements for fully vaccinated individuals, you'll want to get used to these methods of payment that have been prevalent in other parts of the world already.

Additional reporting by Stella Shon, Ariana Arghandewal and Madison Blancaflor.

Featured image by Shutterstock
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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1.5XEarn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year
1X1X points for each dollar you spend on eligible purchases.
  • Intro Offer
    The Points Guy Exclusive Offer: Earn 150,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card® within the first 3 months of Card Membership.

    Earn 150,000 points
    120,000 points
  • Annual Fee

    $695
  • Recommended Credit
    Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    670-850
    Good, Excellent

Why We Chose It

It's hard to find a card that competes with the mile-long list of benefits that come with the Amex Business Platinum. While it's certainly not the card for the average consumer, a business owner with tons of expenses -- especially related to travel -- will find this card incredibly valuable. This card is similar to the consumer version that Amex offers, but with more business-oriented perks around statement credits and earning rates that are a better fit for business owners.

Pros

  • An up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
  • Up to $400 annual credit for eligible U.S. Dell purchases (enrollment required)
  • Gold status at Marriott and Hilton hotels (enrollment required)
  • Access to the Fine Hotels & Resorts program and Hotel Collection
  • Extended warranty protection
  • International Airline Program and Cruise Privileges Program

Cons

  • Steep annual fee
  • Difficulty meeting $15,000 welcome offer for smaller businesses
  • Limited high-bonus categories outside of travel
  • The Points Guy Exclusive Offer: Earn 150,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card® within the first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for checked baggage fees, lounge day passes, and more at one selected airline.
  • $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership. CLEAR® is available at more than 50 U.S. airports and stadiums.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
  • $695 Annual Fee.
  • Terms Apply.