Contactless debit cards

Gromitt

Stompa wrote: »

Do you mean you don't get a receipt with a contactless transaction? If so, that would be enough to put me off.

I believe the official word is "optional", ie, unless the retailer decides its the default to give you one, you don't get one unless you ask.

Stompa

Gromitt wrote: »

I believe the official word is "optional", ie, unless the retailer decides its the default to give you one, you don't get one unless you ask.

OK thanks. Sounds like it's more trouble than it's worth then. Mind you, I've not come across anywhere that accepts them so far.

Gromitt

Stompa wrote: »

OK thanks. Sounds like it's more trouble than it's worth then. Mind you, I've not come across anywhere that accepts them so far.

I only know two stores so far near me, Greggs and McDonalds. Apparently some other shops near me (according to Visas website) include Motor insurance & car accessory dealers. I don't see the point of having Paypass on either of those to be honest.

OllyM

Gromitt wrote: »

I only know two stores so far near me, Greggs and McDonalds. Apparently some other shops near me (according to Visas website) include Motor insurance & car accessory dealers. I don't see the point of having Paypass on either of those to be honest.

I'm pretty sure any business who uses Barclaycard Business to accept credit cards will have been upgraded to a terminal that accepts contactless cards, so the motor insurance company will probably fall in to that category.

andrew-the-cat

gekota wrote: »

Its totally nonsense that only certain lloyds customers can have contactless cards. I'm a lloyds customer, I have a contactless card. All you have to do is ring them up and request one. No pilot, no specific areas just customer request.

I've been trying since June to get one, so far I've been sent 4 non-contactless cards, I have given up with them.

Stompa wrote: »

Do you mean you don't get a receipt with a contactless transaction? If so, that would be enough to put me off.

You ask for one.

PS. I now have 2 of these, they are great. You can only make £40 worth of transactions between pin entries by the way, so that's the absolute most you can lose if someone nicks your card and runs to Mcdonalds with it.

Gromitt

andrew-the-cat wrote: »

You can only make £40 worth of transactions between pin entries by the way, so that's the absolute most you can lose if someone nicks your card and runs to Mcdonalds with it.

So it could be that you can only do 2 contactless transactions (£30) before you are required to do another full C+P transaction? Are users expected to keep track of this value, or will the contactless transaction simply fail, asking you to do a full C+P and holding the queue longer than just doing the C+P in the first place?

The more I read about it, the more I think "I'll just carry some notes and change, thanks.", at least I know what I've got and what I can spend, then.

Stompa

Gromitt wrote: »

The more I read about it, the more I think "I'll just carry some notes and change, thanks.", at least I know what I've got and what I can spend, then.

Why bother with notes and change though, just use C+P for everything.

Gromitt

I just don't like using C+P for things that are less than a couple of £, unless I'm somewhere like Tesco, in which case I don't care. But I wouldn't like to use C+P for a packet of crisps costing 39p in my local newsagent.

andrew-the-cat

Gromitt wrote: »

So it could be that you can only do 2 contactless transactions (£30) before you are required to do another full C+P transaction?

It doesn't matter what the amounts are for each one, you could do a load of £2 transactions in a row but as soon as you hit the £40 mark without doing a C+P transaction you'll be asked for pin anyway. Basically if you attempt to make a contactless payment and you go over the £40 threshold the reader will say "routine security - use chip & pin" and you will have to insert your card and do it the old fashioned way.

At the moment I can't see that being a problem, since not many places accept contactless yet it's not like every one of your transactions will be contactless, you're bound to use chip and pin in between. However in a few years when everywhere accepts it, and you make a lot of low value payments and take advantage of contactless, it could become annoying (you'll just have to remember to do C+P every now and then).

Stompa

Gromitt wrote: »

I just don't like using C+P for things that are less than a couple of £, unless I'm somewhere like Tesco, in which case I don't care. But I wouldn't like to use C+P for a packet of crisps costing 39p in my local newsagent.

Fair enough. Personally I'm happy to use C+P wherever possible (I've yet to find anywhere that has refused), whatever the amount.