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Overview

With Allied Tap and Pay, enjoy convenience and safety in one solution. This service allows you to make quick, secure payments using your smartphone without the need to physically handle your card. It’s fast, user-friendly, and fully integrated into the myABL app, ensuring complete control at your fingertips.

  • Contactless Convenience
    Make payments by simply tapping your NFC-enabled Android phone on NFC-supported POS terminals. No physical card is required.

  • Tokenized Transactions for Enhanced Security
    Your card details are replaced by secure digital tokens stored on your phone, minimizing fraud risk.

  • No Need to Open the App for Every Payment
    Tap & Pay works instantly when your phone is unlocked. Open the app only to manage cards or refresh token counters.

  • User-Friendly Management
    Manage, enable, or disable Tap and Pay easily through the myABL app. Receive instant SMS and email notifications for every transaction.

  • Use Existing POS Limits
    Your Allied Debit Card’s existing POS limits apply to all Tap & Pay transactions.

  1. Open the myABL app on your NFC-enabled Android device.

  2. Go to the Cards section.

  3. Select your debit card and enable Tap and Pay.

  4. Activate NFC in your phone’s settings.

  5. Set myABL as your default payment app.

  6. You’re ready to tap and pay securely!

Q1. What is Allied Tap and Pay?

Allied Tap and Pay is a contactless payment feature that enables you to make fast and secure payments using your NFC-enabled Android mobile phone, without needing a physical debit card. It offers a seamless experience at any NFC-enabled POS terminal, both locally and internationally.

Q2. How can I use Allied Tap and Pay?

To use Allied Tap and Pay:

  1. Open the myABL app on your NFC-enabled phone.

  2. Go to Cards > Select your Debit Card.

  3. Toggle Enable Tap and Pay.

  4. Ensure NFC is turned on in phone settings.

  5. Set myABL as your default payment app.

  6. Tap your phone on any NFC-enabled POS terminal to complete the transaction.

Q3. Which phones are compatible with Allied Tap & Pay?

All Android smartphones with NFC capability are supported. This feature is currently not available on iPhones (iOS).

Q4. How does Allied Tap and Pay work?

The service uses NFC (Near Field Communication) and tokenization:

  • Each transaction uses a unique token instead of your real card number.

  • No internet is needed for in-store payments.

  • Security is enforced via fingerprint, PIN, or phone unlock screen.

  • The terminal and your phone communicate securely via NFC in seconds.

Q5. Is an email and mobile number required to enable Tap & Pay?

Yes, your registered mobile number and email address must be updated with Allied Bank to enable Tap and Pay.

Q6. What are the benefits of Allied Tap and Pay?

  • Instant, contactless payments

  • No physical card needed

  • Global compatibility

  • Enhanced fraud protection via tokenization

  • No internet needed at POS

  • Easy card management via myABL app

Q7. Is Tap and Pay secure?

Yes, it is highly secure. It uses:

  • Tokenization

  • Device-level authentication (PIN/fingerprint/face ID)

  • Real-time SMS/email alerts
    Your actual card data is never shared during transactions.

Q8. What are the transaction limits for Tap and Pay?

Your existing debit card POS limits apply to Tap and Pay as well.

Q9. How many transactions can I make with a single token?

You can perform up to 5 transactions per token. After 5, you’ll need to refresh the token via:

Cards > Refresh Tap & Pay Counter

Q10. Do unsuccessful transactions count toward the token limit?

Yes, both successful and unsuccessful Tap & Pay attempts count toward the 5-transaction token limit.

Q11. Can I reset the token counter the same day?

Yes, after completing 5 transactions, you can manually reset the token counter via:

Cards > Refresh Tap & Pay Counter

Q12. Is the token counter reset automatically at the end of the day?

No, the token counter is not auto-reset. It must be manually refreshed via the app after 5 transactions.

Q13. Can I use Tap & Pay if my physical card is blocked?

No. Tap and Pay only works if the linked debit card is active.

Q14. How do I disable or remove Tap and Pay?

Go to the myABL app > Cards section, and disable or remove Tap & Pay for the selected card.

Q15. Can I still use my physical debit card after enabling Tap & Pay?

Yes, your physical card remains usable even when Tap & Pay is active.

Q16. Is an internet connection required for Tap & Pay?

No. Tap and Pay works offline via NFC for in-store payments. However, internet may be required for app-related functions or security checks.

Q17. Will Tap & Pay work if NFC is turned off?

No. Tap & Pay requires NFC to be enabled on your Android phone.

Q18. If I report my physical card as lost, will it affect Tap & Pay?

Yes. If your physical card is marked lost/stolen, Tap and Pay will also be deactivated.

Q19. What should I do if my mobile phone is lost or stolen?

Immediately call Allied Phone Banking at (042) 111-225-225 to block your card and disable Tap & Pay.

Q20. Can I use Allied Tap & Pay for international transactions?

Yes, Tap and Pay works internationally at any NFC-enabled POS terminal that accepts contactless payments.

Q21. Is a PIN required for high-value transactions?

Yes. Transactions above PKR 3,000 require your regular debit card PIN for authorization.

Q22. Can I authorize Tap & Pay if my phone only uses a pattern or PIN (no biometrics)?

Yes. Tap & Pay works with standard pattern or PIN screen locks, though biometric security is recommended.

Q23. Can I perform Tap & Pay transactions if my phone is locked?

No. You must unlock your phone to complete Tap & Pay transactions.

Download Allied Tap & Pay Terms & Conditions

Allied Tap & Pay Terms & Condition
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