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Tapping chip card dispute resolution

From an email from Square regarding Square Tap-and-Pay: 

 

"If you swipe a chip credit card and the cardholder disputes the payment with their bank as fraudulent, the bank will immediately rule in the cardholder’s favor and the disputed funds will be automatically debited from your account. To avoid this situation altogether, you need to insert chip credit cards into a chip reader, like the Square Reader for contactless and chip."

 

Does the same policy applies to Apple Pay and other NFC-enabled smartphones?

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Square

Great question! The Square contactless and chip card reader accepts chip cards (EMV) as well as contactless payments (NFC). Contactless is a term used to describe the act of paying without touching anything. NFC (near field communication) is a technology that allows for contactless payments. Apple Pay and Android Pay are examples of contactless payment platforms. NFC uses a specific radio frequency so devices, like smartphones, can wirelessly communicate at close range to do things like process payments. This means these payments are very secure, much like chip cards, and do not subject you to an EMV liability shift related dispute. 

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