The CARNEO PAY application is available free of charge for all users. After downloading and installing, registration with the user’s email is required. Once registered, the customer can easily link their purchased product (bracelet, strap, ring, etc.) to their account, thereby connecting the payment product with their payment card. After linking, the payment product can be used just like a payment card for contactless payments up to a certain amount without using a PIN code. For payments above a certain amount (€20–50), a PIN code is required, which is the same as the PIN code of the user’s payment card.