- sbi paypass vs paywave which is better, sbi paypass international debit card vs sbi paywave international debit card , difference between
Aditya Raj Anand Changed status to publish March 11, 2025
SBI PayPass vs. PayWave – Key Differences
Both SBI PayPass and PayWave are contactless payment technologies that allow fast and secure transactions without swiping the card or entering a PIN for small payments. However, they have some differences. Let’s understand them in detail.
1. Basic Differences: SBI PayPass vs. PayWave
| Feature | SBI PayPass | PayWave |
|---|---|---|
| Provider | Mastercard | Visa |
| Technology | NFC (Near Field Communication) | NFC (Near Field Communication) |
| Issued by | SBI for Mastercard cards | SBI for Visa cards |
| Transaction Limit | Up to ₹5000 without PIN (as per RBI rules) | Up to ₹5000 without PIN (as per RBI rules) |
| Logo | check official website | check official website |
2. How Do They Work?
- Both use NFC (Near Field Communication) technology.
- Simply tap the card on a contactless payment terminal to complete a transaction—no need to swipe or insert the card.
- For transactions above ₹5000, entering a PIN is mandatory.
3. Security Comparison
- Both use EMV chip and tokenization for enhanced security.
- Accidental double charges won’t happen—once tapped, the transaction must be completed before another one starts.
4. Which One is Better?
- If your card is a Mastercard, you’ll get SBI PayPass.
- If your card is a Visa, you’ll get PayWave.
- Functionally, there’s no major difference, as both provide fast and secure contactless payments.
5. Where Can You Use Them?
- Shopping malls, supermarkets, petrol stations, restaurants, metro stations, etc.
- Can be used for online payments, but the contactless feature works only in physical stores.
Conclusion
The main difference between SBI PayPass and PayWave is the provider—PayPass is for Mastercard, while PayWave is for Visa. Other than that, they work in the same way, offering fast, secure, and convenient contactless payments.
Aditya Raj Anand Selected answer as best March 10, 2025
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