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  • FIRST POST
    • TrustyOven
    • By TrustyOven 14th Oct 16, 12:51 PM
    • 435Posts
    • 511Thanks
    TrustyOven
    Contactless payment and "random" security check
    • #1
    • 14th Oct 16, 12:51 PM
    Contactless payment and "random" security check 14th Oct 16 at 12:51 PM
    The last 3 times (all within the last 48 hours) I used my second Tesco current account debit card as a contactless payment, I've had to enter the chip & pin for it (all in the same shop).

    Is this normal?

    The shop staff say this is normal but I'm seeing this more and more now on that same card.
    Goals
    Save £12k in 2014 #192
    (£4115.62 / £5k) (82.3%)
    Save £12k in 2016 #041 (£4081.32 / £6k) (68.02%)
Page 1
    • teddysmum
    • By teddysmum 14th Oct 16, 1:09 PM
    • 5,884 Posts
    • 3,462 Thanks
    teddysmum
    • #2
    • 14th Oct 16, 1:09 PM
    • #2
    • 14th Oct 16, 1:09 PM
    The last 3 times (all within the last 48 hours) I used my second Tesco current account debit card as a contactless payment, I've had to enter the chip & pin for it (all in the same shop).

    Is this normal?

    The shop staff say this is normal but I'm seeing this more and more now on that same card.
    Originally posted by TrustyOven
    I don't use mine as the TSB ones (two individual and one joint) give us 5% cashback and the co-op gives 5p per transaction (so ok for payments under £1`).The Reward points offered are very few.
    • TheShape
    • By TheShape 14th Oct 16, 3:09 PM
    • 455 Posts
    • 232 Thanks
    TheShape
    • #3
    • 14th Oct 16, 3:09 PM
    • #3
    • 14th Oct 16, 3:09 PM
    That counts as 'random'. Just as likely a random event happens three times in a row as it is to happen neatly spaced out.
    • 20aday
    • By 20aday 15th Oct 16, 8:38 AM
    • 1,731 Posts
    • 700 Thanks
    20aday
    • #4
    • 15th Oct 16, 8:38 AM
    • #4
    • 15th Oct 16, 8:38 AM
    Yes, it's pretty normal.

    I've found some banks i.e. Tesco (credit card) and Lloyds Bank (Visa Debit) tend to require a PIN more than my TSB (Visa Debit).
    It's not your credit score that counts, it's your account conduct and credit history.
    • eddddy
    • By eddddy 15th Oct 16, 6:54 PM
    • 3,860 Posts
    • 3,491 Thanks
    eddddy
    • #5
    • 15th Oct 16, 6:54 PM
    • #5
    • 15th Oct 16, 6:54 PM
    ...(all in the same shop)...
    Originally posted by TrustyOven
    That may be part of the issue. It could be that particular retailer is seen as a high risk for contactless fraud.

    Perhaps that retailer has a history of contactless fraud. Or they have a high 'risk score' because of the type of business they are, where they are etc.
    • Mr.Generous
    • By Mr.Generous 15th Oct 16, 7:38 PM
    • 927 Posts
    • 1,153 Thanks
    Mr.Generous
    • #6
    • 15th Oct 16, 7:38 PM
    • #6
    • 15th Oct 16, 7:38 PM
    If you loose a conactless card you would hope the bank would throw in a few pin request now and again otherwise until you cancelled someone would be hitting a few £20 - £25 transactions at your expense.
    • TrustyOven
    • By TrustyOven 16th Oct 16, 4:39 PM
    • 435 Posts
    • 511 Thanks
    TrustyOven
    • #7
    • 16th Oct 16, 4:39 PM
    • #7
    • 16th Oct 16, 4:39 PM
    Well, before I got the second Tesco debit card, I used my main Tesco debit card, also contactless, and I seemed to have far fewer security checks with it.

    Perhaps it's because I only use the 2nd account in that specific shop, it's triggering some sort of "trust" warning, so causes a greater number of checks.
    Goals
    Save £12k in 2014 #192
    (£4115.62 / £5k) (82.3%)
    Save £12k in 2016 #041 (£4081.32 / £6k) (68.02%)
    • pinkdalek
    • By pinkdalek 16th Oct 16, 6:49 PM
    • 1,179 Posts
    • 668 Thanks
    pinkdalek
    • #8
    • 16th Oct 16, 6:49 PM
    • #8
    • 16th Oct 16, 6:49 PM
    If you loose a conactless card you would hope the bank would throw in a few pin request now and again otherwise until you cancelled someone would be hitting a few £20 - £25 transactions at your expense.
    Originally posted by Mr.Generous
    If you lose a contactless card and it is cancelled by your card issuer it cannot be used.
    Do you honestly think banks also have not accounted for subsequent transactions that may go through? Good luck to a thief using a stolen contactless card, likelihood they will be on CCTV, whilst it may be frustrating for the cardholder would they not get such monies back?

    There will always be criticisms of any new method of paying, chip and pin was going to be a nightmare, yet before that we signed and shop assistants barely checked. You could always of course just carry a wallet full of money, lose that and you're screwed.

    It seems no matter what card issuers do to help make our lives easier and more convenient there will always be those to criticise.
    • eset12345
    • By eset12345 16th Oct 16, 10:37 PM
    • 289 Posts
    • 414 Thanks
    eset12345
    • #9
    • 16th Oct 16, 10:37 PM
    • #9
    • 16th Oct 16, 10:37 PM
    If you loose a conactless card you would hope the bank would throw in a few pin request now and again otherwise until you cancelled someone would be hitting a few £20 - £25 transactions at your expense.
    Originally posted by Mr.Generous

    it would actually be at the banks expense, they take on all the liability for fraudulent transactions, this is why retailers push the use of contactless so much, and the processing fees are cheaper.
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