 Merchant terminals are required to recognize and act on service codes or send all transactions for online authorization.In the late 2000s, MasterCard and Visa introduced contactless smart debit cards under the brand names MasterCard PayPass and Visa payWave.These payments are made using either electronic payment networks separate from the regular EFTPOS payment networks, or newer EFTPOS with tap sensors, and is an alternative to the previous swipe or chip systems.