Where contactless payments use Consumer Device Cardholder Verification Method (CDCVM) for payment authentication and approval, then the authentication required for transactions above BD20 limit mentioned in Paragraph OM-5.2.1 is not applicable given that the customer has already been authenticated by his device using PIN, biometric or other authentication methods. This is only applicable where debit/credit card of the customer has already been tokenized in the payment application.

Added: July 2020