Tesco no longer accepting non-chipped cards after Oct - arg!

Thefunkygibbons

The truth

What Tescos are saying is

If you have a chip and pin card, they will no longer allow you to ask the staff to bypass the pin

Either you use the pin or they will ask for another means of payment

If you have a non-chip card, then you will be able to use that normally


Hope this helps, confirmed in my local store

David_Mee

Don't forget the new regs mean that, should someone use a stolen card, and you have bypassed the PIN then its the retailer who looses the cash not the card company.

Still gobsmacks me that some big organisations still haven't gone the PIN route as they bought their own machines and are too tight to buy new ones - obviously price of machines is less than money they lost from fraudulent use?

Hermia

I went into the Tesco that caused all this trouble today. They have amended the (handmade) posters to state they will not override the pin if the card has one. I asked whether I could continue using my unchipped card and they said, 'yes'. I guess I wasn't the only one complaining about their posters and advice!

crippled_monkey

Hi, being fairly new to this website it interests me that there appears to be total confusion here about chip and pin.

Hermia, would you mind stating which Tesco store it was you have had this message from. That store are giving you the WRONG message.

I can also assure you (as a person in the know!) that there is not a one store trial going on......

Many of you are stating that the retailers will stop this and prevent that. Please be mindfull that everything about chip and pin is a 'bank' mandated change. The retailers would have been quite happy to carry on without chip and pin and let the banks pick-up the fraud costs.

From Feb 14th its the banks who may decline your card if you ask the retailer to bypass your pin. Certainly, Tesco have no intention of changing any of their systems from Feb 14th and will continue to accept all cards (with or without chips and accepting signature).

Tesco won't put a chip on clubcard + cards any time soon because there is very little fruad on these cards so there is no business case for increasing the costs of the cards. If that changes then I expect they would consider chips.

denys

Sooler wrote:

Tesco self service tills accept chip and PIN cards with no requirement to enter the PIN, ... and no signature.

I used this till today just to verify – “Swipe your card…thank you for shopping in Tesco.” – scary. Only one person supervising 8 such checkouts. Kid around 15 using it in front of me. I mean it is hardly acceptable at Rail/Underground stations, but in supermarket were you can buy…

James

I challenged TESCO on the no signature no PIN option provided in some of their supermarkets and ALL of their petrol stations.

They were quite adamant that if your card was used fraudulently before you reported it lost or stolen then you wouldn't be liabel for the transaction(s). What TESCO failed to understand was the inconvenience this causes the genuine card holder - letters, phone calls and could cause them to go into the red with DDs or SOs going unpaid. TESCO on this one just doesn't care!

VISA can do nothing to prevent TESCO using this payment method, neither can your bank and APACS say its up to TESCO.

You can only assume TESCO are saying loadsa people through an unmanned check-out, loadsa money, so what if we loose the odd £50 or so a day, it's still cheaper than staffing the tills!

So next time your in TESCO take the time to fill in a complaints form - It could be your card next!

Bossyboots

The notices in my Tesco today state that any cards used after 1st January must be chip and pin. Am trying to get through to Clubcard to see what they are going to do about it.


Edit: Have now got through to them and they are still saying that Tesco will take Clubcard Plus and accept a signature. I pointed out that this is contrary to what has been posted in the store but I asked her guarantee it would not be declined and she said that was the case.

When I asked why they were not going over to Chip and Pin she said they believed the card was secure enough without out. I pointed out that anyone could copy my signature and that C&P had been introduced because it was deemed more secure but it seems those running Tesco Personal Finance know better than anyone else and the signature is good enough.

bunking_off

I can understand their logic on security - wouldn't say I necessarily agree, but understand it.

For a typical credit card, there's 3 players in the value chain - the retailer, the card handler and the card issuer. This means the card issuer can have little scope to influence that the retailer keeps their part of the bargain by checking that the signature is valid etc etc. It also gives rise to the question of liability which is underpinning the introduction of cip & pin. Essentially, post next year retailers can still accept a signature in lieu of pin, but if they do so they take the fraud liability on themselves rather than it being on the card issuer.

Now, consider the Clubcard+. This is all in-house to Tesco (albeit with some of the operations outsourced to RBS). Given Tesco issue the card and only Tesco accept the card, if one of their staff don't check the signature properly, it's their problem. Moving the liability from issuer to retailer is irrelevant as they're one and the same. Similarly, given the card is only accepted by Tesco, they're more at liberty to delve deeper if it's used for transactions that might be fraudulent (e.g. buying a high value electrical item) versus getting the weekly shop.

Clearly Tesco have made the business decision that the upgrade costs aren't justified by the level of fraud which they've seen so far on the Clubcard+.

M_Thomson

Bossyboots wrote:

The notices in my Tesco today state that any cards used after 1st January must be chip and pin. Am trying to get through to Clubcard to see what they are going to do about it.

Again, it is an overzealous member of staff at that branch who does not understand the rules. Chip and Signature of even just signature cards can still be accepted at any merchant even after the chip and pin changeover date of February 14. The rules after this date state that if it is a Chip and Pin card then the pin must be used.

dc

I have just used my Amex card at Tesco as usual. So where is this Tesco that has declared UDI Hermia? c'mon give us a clue.

If they refuse my card in future they will be left with a pile of groceries to put back and a till to void.