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Contactless High Value Payment (HVP) – Wallet Payments
High Value Payments are contactless payments that are above the limit for
contactless cards (e.g. £30.00) but are protected by the cardholder; verifying
themselves to the mobile phone either by the use of a scanned
thumb/fingerprint in the case of Apple Pay, or by the entry of a pass
code for other mobile phone manufacturers. This process is known
as a Consumer Device Cardholder Verification Method or CDCVM
for short.
This means that once HVP is enabled, the contactless logo will be
displayed on your terminal for all transactions rather than just those
under the contactless card limit (e.g. £30.00).
Acceptance of normal contactless cards for transactions below the £30 limit will
continue as normal and, if a cardholder taps a contactless card for a transaction
above the £30 limit, the terminal will instruct them to complete the transaction using
chip and PIN.
In some cases, a cardholder may need to tap their mobile phone against the
contactless reader twice. This is because they have not pre entered their CDCVM
on their device prior to starting the transaction and their device has prompted them
to complete their CDCVM and tap the phone again. The cardholder should follow the
instructions on their device to complete the transaction.
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