KarL4 is SECO's innovation for contactless payment for the Girocard, Mastercard and Visa card. The payment terminal runs entirely without a PIN pad (TOPP) and allows quick age verification on request. This enables customers to pay securely and intuitively with Girocard contactless amounts up to 50 Euros without entering a PIN. KarL4 uses Near Field Communication (NFC) for data communication with the credit card. This ensures extremely customer-friendly handling: pull out your card, put it near KarL4, and pay.