Allied UPIPayPak Mobile Tap and Pay

With Allied Tap and Pay, enjoy a safe shopping experience at your favourite spots—no need to handle cash and cards.

• Allied Bank Tap & Pay is quick and easy, compatible with any Android device and even more convenient than using a physical card.

1. Contactless Payments

•  Allied Tap and Pay allows you to make payments by simply tapping your NFC enabled android mobile on NFC-enabled POS terminals. No physical card is required for transactions.
• You can use your mobile phone (with NFC capability) to make fast, secure, and convenient payments at millions of merchants globally.

2. Enhanced Security via Tokenization

• Your UPI PayPak Co-Badge Card is tokenized, meaning that instead of using your actual card number, a unique token is used for each transaction.
• The tokenization process replaces sensitive card data with a non-sensitive token stored securely on your mobile device, reducing the risk of fraud or data breaches.

3. No Need to Open Mobile App for Payment

• Tap and Pay does not require you to open your Mobile App before making a transaction. Simply unlock your mobile phone and tap your phone, on the NFC-enabled terminal, and your payment will be processed securely.
• The app only needs to be opened for adding or managing your tokenized cards or to reset the frequency after every 5 transactions.

4. User-Friendly Experience

• The UPI PayPak Co-Badge Debit Card is easy to manage through the myABL app, with a simple interface through card management to enable or disable Tap and Pay
• Transaction Notifications: Instant SMS and email notifications are sent to inform you of each transaction, ensuring complete transparency and control.

5. Transaction Limits

• Your existing debit card POS limit will be the limit for mobile Tap and Pay payment.

1. Open myABL App: Open myABL app on your NFC-enabled phone.
2. Go to Cards: Navigate to the Cards section within the app.
3. Enable Tap and Pay: Select the card you want to enable for Tap and Pay and toggle the option to Enable Tap and Pay.
4. Turn On NFC Payment Option: Ensure the NFC payment option is activated on your phone’s settings.
5. Default Payment App: Set myABL as default payment App for NFC payment.
6. Card is Active for NFC Payments: Your card is now ready for secure NFC payments. Simply tap your phone on any NFC-enabled POS terminal to complete transactions.

You’re all set to enjoy fast and secure contactless payments with Allied Tap and Pay!

Q. What is Allied Tap and Pay?

Allied Tap and Pay is a contactless payment solution that allows you to make secure, instant payments using your NFC enabled android mobile phone, without the need for a physical card. A swift, secure, and convenient contactless payment solution, whether you’re shopping at your preferred store or dining out, where your mobile becomes your card. Seamlessly conduct transactions using Tap & Pay through your phones at POS machines, with the contactless symbol.

Q. How to use Allied Tap and Pay?

1. Open myABL App: Open myABL app on your NFC-enabled phone.
2. Go to Cards: Navigate to the Cards section within the app.
3. Select Debit Card Section.
4. Enable Tap and Pay: Select the card you want to enable for Tap and Pay and toggle the option to Enable Tap and Pay.
5. Turn On NFC Payment Option: Ensure the NFC payment option is activated on your phone’s settings.
6. Default Payment App: Set myABL as default payment App for NFC payment.
7. Card is Active for NFC Payments: Your card is now ready for secure NFC payments. Simply tap your phone on any NFC-enabled POS terminal to complete transactions.

You’re all set to enjoy fast and secure contactless payments with Allied Tap and Pay!

Q. Which phones are compatible with Allied Tap & Pay?

Currently, this service is available on all type of Android phones (Android operating system) with NFC technology. This feature is currently not available on mobile having IOS operating system (iPhone-Apple).

Q. How does Allied Tap and Pay Works?

Mobile Tap & Pay works through a technology called Near Field Communication (NFC). Here’s how it works:

1. Tokenization: Tokenization is a data security technique that involves replacing sensitive card information with unique, non-sensitive data elements called tokens. Using Tokens, Cardholders will be able to perform transactions using their Smartphones with a simple tap on the POS terminal. As tokens are used instead of actual card numbers, potential fraud is mitigated. Instead of using your real card number, a unique token is generated for each transaction.

1. NFC Activation: When you want to make a payment, you open your mobile payment app and hold your phone near an NFC-enabled POS (Point-of-Sale) terminal. This activates a short-range communication signal between the phone and the terminal.
2. Authentication: Before the transaction is processed, you may be required to authenticate the payment. This can be done using methods such as fingerprint recognition, face ID, PIN, or a secure lock screen.
3. Transaction Processing: Once authenticated, the token representing your payment card is transmitted via NFC to the POS terminal, which then sends the payment information securely to the bank or payment processor. This process happens in seconds.
4. Confirmation: Once the transaction is approved, the terminal will notify you, often with a sound or visual cue (like a checkmark or receipt), and the payment is complete. Bottom of Form

Q. Is an email address and mobile number a mandatory requirement to enable Allied Tap & Pay?

Yes, please note that your mobile number and email address must be updated with Allied Bank to enable Allied Tap & Pay.

Q. What are the benefits of using Allied Tap and Pay?

Allied Tap and Pay offers a convenient, secure, and efficient way to make contactless payments using your NFC-enabled smartphone. Here are the key advantages of using this feature:

• Instant Payments
• Enhanced Security
• No Physical Card Required
• Works Globally
• Easy Card Management
• No Need for Internet Connection for In-Store Payments
• Reduced Risk of Card Skimming

Q. Is Tap and Pay Safe?

Yes, Tap and Pay is considered safe and extremely secure for making contactless payments. It utilizes several advanced security features to protect your financial information and reduce the risk of fraud.

Q. What are the Limits of Tap and Pay Transactions?

Your debit card limits will apply. You can use Allied Tap & Pay for payments just as you would use your plastic card.

Q. What is the frequency for Token Counter?

Customer can perform five mobile tap and pay transactions with one token.

Q. How many transactions of Mobile Tap & Pay can be performed with a single token?

Customer can perform maximum of 5 mobile tap and pay transactions with a single token. Token can be refresh via using below option

Cards >Select Refresh Tap & Pay Counter

Q. Does this counter of 5 transactions with a single token includes only successful or unsuccessful transactions as well?

The 5 transactions counter include successful and unsuccessful both.

Q. How can I reset/replenish token counter upon utilization?

Upon utilization of token counter i.e. 5 transactions, please reset/replenish the token counter via using following navigation;

Cards >Select Refresh Tap & Pay Counter

Q. On reset/replenishment of token counter can I perform transactions during same day?

Yes, upon successful replenishment of token counter, you can perform another 5 transactions on the same day.

Q. Is token counter automatically reset/replenished at day end?

No, the token counter cannot be auto reset/replenished at day end. Token counter can be replenished /reset via upon expiry of five token as per followings;

“Cards >Select Refresh Tap & Pay Counter.”

Q. If my physical card is blocked, will I still be able to use Allied Tap & Pay for transactions?

Transactions can be processed only on active cards for Allied Tap & Pay.

Q. How do I disable/remove a card from Allied Tap & Pay?

You can disable/remove a card from Allied Tap & Pay by going to Cards option on myABL App and tapping on the relevant Tap & Pay option.

Q. Can I use my physical debit card if I have enabled Allied Tap & Pay?

Yes, your physical debit card can also be used while Allied Tap & Pay is enabled on your phone.

Q. Do I need an internet connection to pay using Allied Tap & Pay?

No, Allied Tap & Pay Transaction does not require an active internet connection to function as it operates using the Near Field Communication (NFC). But you may occasionally be asked to connect to the internet if Allied Tap & Pay detects unusual behaviour.

Q. Will Allied Tap & Pay work if the NFC functionality is switched off?

No, You will not be able to make contactless payments, if your phone’s Near Field Communication (NFC) is turned off.

Q. If I lose my physical card and I mark it lost or stolen, will there be any impact to the tokenized card in myABL App?

Yes, Any changes made to your plastic card will also apply to the card set up in Allied Tap & Pay. On marking your card as lost or stolen, you will not be able to make payments from your tokenized card.

Q. How do I block Allied Tap & Pay if my mobile phone is lost or stolen?

Contact immediately (042) 111-225-225 for blocking of your Allied Debit Card. On blocking your debit card Allied Tap and Pay will automatically be deactivated.

Q. Can I use Allied Tap & Pay internationally?

Yes, you can use Allied Tap & Pay internationally where contactless transactions are accepted.

Q. Is there any PIN required for Allied Tap & Pay transaction authorization for above 3K?

Any Contactless transactions greater than PKR 3,000/- can only be authorized by a secured 4-digit PIN. Transaction less than 3K will be authorized without PIN. Your regular debit card Pin will be used to authorize the tap & pay transaction.

Q. Do I need to use my regular PIN for debit card to authorize tap & pay transaction?

Yes, you need to enter the regular PIN for debit card to authorize the tap & pay transaction.

Q. What if my mobile comes only with PIN/Pattern and does not have a Biometric security feature the NFC will be enabled?

Yes, you can enable the Allied Tap & Pay via using Pattern/Pin security feature.

Q. Can I perform Allied Tap & Pay transaction when mobile screen is locked?

No, you can not perform the Tap & pay transaction when mobile screen is locked. You need to unlock the mobile device to perform the transaction