Card contactless payment limits.

Lenny HB

Lenny HB

LIFE MEMBER
Joined
Oct 18, 2007
Posts
58,146
Likes collected
179,552
Location
On the coast in West Sussex
Funster No
658
MH
Carthago Compactline
Exp
Since 2008 & many years tugging
New limits on contactless payments have been recently introduced.

Contactless limits

If contactless is used to pay for items five times in a row, shoppers will now be prompted to put their card into the machine and enter their pin to make a payment.

Cards will also be blocked from working contactlessly if you spend £137, even if that is in fewer than five transactions.

Your card may also be declined if you are shopping in an unusual location, in which case you may be prompted to enter you pin.

Christo Georgiev, chief executive of UK payment solutions company myPOS, warned customers to have their PIN handy over the festive period, even when paying for low-value items.
 
jetlag03 said:
That's good news, limits the risk in case of theft
Click to expand...
Yes, it is good news. I suspect many don't realise you can't stop a stolen card being used for contactless payment if it is stolen. The bank will reimburse you but you have to identify any fraudulent transactions yourself.
 
Last edited:
Nirvanauk said:
I've just made a contactless payment for £290. It was a bit worrying though
Click to expand...
How can you do that it's a £30 limit.

Subscribers  do not see these advertisements

 
Same thing, but slightly "off (this) topic". Telephone call from grandson yesterday, He got back to his ship in Curaso a week ago. Only to discover 48hrs later, his Mobile Phone NUMBER had been "ported" without his knowledge or his request. Having ported it someone had then tried unsuccessfully to access his mobile banking account. His provider (EE) had not even tried to contact him to confirm it was his request!!.

Net result, he was without phone and no access to his account, until he went ashore and got a local SIM, then used that to contact EE and the Nat West Bank. EE have given him a new number and his bank have now cleared his account for his use.

We are still trying to work out HOW it was possible. My theory, for what it is worth, is that like a lot of youngsters he tends to use his PHONE instead of his card to pay for small transactions. Someone was near enough when he made such a transaction, and was able to log the phone number, and some bank details? and then had the knowledge to persuade EE that he was porting his number?.

Just goes to show that it not as secure as the Providers and Banking guru`s will have you believe!!.

EDIT:- as an aside. I recently made a purchase in Tesco Pharmacy. the pharmacist asked if I had the "club card". and I "flashed" it without taking it out of the wallet. The receipt appeared from the reader!. We where both taken aback and can only assume that as the card was adjacent to the Clubcard it had read that instead!!. A timely warning I think?.
 
Last edited:
Are the restrictions on Apple Pay any different?
 
Our Froggy bank card is limited to 30 euros contact less. I would never never dream of increasing it, it is handy for a quick transaction but really, another 10 seconds to enter a code to further protect your funds ... why would you not ???? I am an old fart and can still remember my pin and not worried about taking another few seconds to enter my pin, nor am I concerned about looking "trendy" by flashing my phone, watch, wallet at a reader with a cool "yes, I can to contactless smirk" on my face. And then folks wonder why their bank accounts are emptied.

Subscribers  do not see these advertisements

 
I do like the contactless payment but I always use my pin about every 4th or 5th payment just so I remember it!
 
One of my staff dropped the company card and within a hour it had been used 4 times and attempted 6 times, Barclays said they always ask for a pin if contactless is attempted about 4 or 5 times, they just wrote it off and moved on, no doubt knowing our business bank charges cover the cost!
 
The amazing thing is, i told Barclays to stop/prevent the new card being used contactless and they said they cannot do this.............................
 
Paying from a mobile is much more secure than using your pin and card, its a one time pad type encryption so if cloned the details cannot be used again and there is no information about your card details within the transaction, a virtual card is created instead. It is the most secure way of paying for something.
 
This is such a learning curve, its the digits for me every time, I've had some very funny looks and even had it explained to me that I can pay contact less by the seller, I get peered at sympathetically as if I have senile dementia, guess I'm not into flashing!

Subscribers  do not see these advertisements

 
Mickthemove said:
The amazing thing is, i told Barclays to stop/prevent the new card being used contactless and they said they cannot do this.............................
Click to expand...
I'm using Starling bank for my business, and was so impressed I also created a personal account. No bank fees, and the phone app allows you to freeze a card, and you can turn contactless, magstripe, online purchases on and off at will.
 
pappajohn said:
Try telling that to Sainsbury card machines.... They are limited to £30 on cards.
Apple pay is different
Click to expand...

Sainsbugs allows my card to make payments contactlessly up to £30 but when I insert it in the machine for a bigger payment it often rejects it. Could that be because the card issuer is Tesco Bank? xroll:

Weird.
 
Mickthemove said:
The amazing thing is, i told Barclays to stop/prevent the new card being used contactless and they said they cannot do this.............................
Click to expand...

Coop Bank removed that facility for me when I asked just sent me a new card without the "chip".
pete4x4 said:
Paying from a mobile is much more secure than using your pin and card, its a one time pad type encryption so if cloned the details cannot be used again and there is no information about your card details within the transaction, a virtual card is created instead. It is the most secure way of paying for something.
Click to expand...

Err?. Not if my post above (#6) is anything to go by. It definitely looks to me that it was "cloned" and ported during just such a transaction?. The phone and card etc; where physically in the Caribbean!.

My Youngest son, is an I-T troubleshooter, who used to work for a "Home Office" department, (think J Bond). He always says, (Of I-T). "IF "man" can create it, there is someone out there who will break it". "Hackers R-Us" is a virtual international corporation.
 
Last edited:
wiljoy said:
Ah. Good old paper money anytime.
Click to expand...

Use paper money all the time except for on-line banking, but that is done with a 'Secure Key' - single transaction code generator, size of a credit card so easy to carry in wallet.

Geoff

Subscribers  do not see these advertisements

 
PeteH said:
Coop Bank removed that facility for me when I asked just sent me a new card without the "chip".


Err?. Not if my post above (#6) is anything to go by. It definitely looks to me that it was "cloned" and ported during just such a transaction?. The phone and card etc; where physically in the Caribbean!.

My Youngest son, is an I-T troubleshooter, who used to work for a "Home Office" department, (think J Bond). He always says, (Of I-T). "IF "man" can create it, there is someone out there who will break it". "Hackers R-Us" is a virtual international corporation.
Click to expand...

Sorry you cannot clone that card as the card does not exist in its real form on the mobile, it even uses a different card number which changes each time, take a look at receipts that are generated with Apple pay and see the card number, it bears no relationship to your original card.

Phone cloning is easy I agree but the two are nigh impossible
 
pete4x4 said:
Sorry you cannot clone that card as the card does not exist in its real form on the mobile, it even uses a different card number which changes each time, take a look at receipts that are generated with Apple pay and see the card number, it bears no relationship to your original card.

Phone cloning is easy I agree but the two are nigh impossible
Click to expand...

Not sure that the "card" per-se was involved. but I do suspect that is how his Phone was able to be Scanned and illegally "ported", was as a result of using the phone to pay for goods. Having got the Phone ported it was then used to attack his Banking, fortunately unsuccessful. My own experience with using "Tap and go" in Tesco recently highlights (to me anyway) how easy it could be. I "thought" I was using the Club points Card, but it actally swiped the Credit card in the same wallet.
 
pete4x4 said:
Paying from a mobile is much more secure than using your pin and card, its a one time pad type encryption so if cloned the details cannot be used again and there is no information about your card details within the transaction, a virtual card is created instead. It is the most secure way of paying for something.
Click to expand...
I linked my Revolut card to my iPhone a couple of weeks ago so just checked receipt for a contactless payment and indeed you are right ?

Martin
 
I think the number of transactions before needing a pin has been around quite a while but people who don't know wonder why the contactless has stopped working
 
Lenny HB said:
How can you do that it's a £30 limit.
Click to expand...

Hi Individual stores can set their own limits for contactless payments - few limit to £30 these days and those that do tend to have a vested interest in they own store bank cards.

Contactless card payments by phone are less likely to be restricted because in the case of systems like Apple Pay they are authorised through biometric data.

Rob

Subscribers  do not see these advertisements

 

Join us or log in to post a reply.

To join in you must be a member of MotorhomeFun

Join MotorhomeFun

Join us, it quick and easy!

Join us

Log in

Already a member? Log in here.

Latest journal entries

Back
Top