Contactless

lewis92

i know contactless is for small purchases like coffee , mcdonalds etc...

But can you use contactless for large purchases such as weekly shop and then enter the pin , instead of actually putting your card in the mahine ?

Hope that mdae sense :cool:

Buzby

Yes, it simply requests the PIN, as normal.

leicsmarkyr

As long as the transaction is under £20 AND the retailer has a contactless terminal AND you have a contactless card, then yes you can

chattychappy

leicsmarkyr wrote: »

As long as the transaction is under £20 AND the retailer has a contactless terminal AND you have a contactless card, then yes you can

This doesn't answer the question!

SCO

No.

Contactless is for transactions under £15, you will have to put your card in the machine for amounts over this.

Thats if the staff even know what your on about when you ask them if you can use contactless.

aleph_0

lewis92 wrote: »

i know contactless is for small purchases like coffee , mcdonalds etc...

But can you use contactless for large purchases such as weekly shop and then enter the pin , instead of actually putting your card in the mahine ?

Hope that mdae sense :cool:

To clarify things, leicsmarkyr's answer is accurate. Contactless payments can be made with contactless cards if the retailer has a contactless terminal, and the transaction is less than £20. There is no restriction on what type of goods can be bought.

The limit was previously £15, hence SCO's answer having a different amount.

If you're using a pin for a transaction above this amount, the card does need to be placed into the machine. The way Chip-and-Pin works is that the card locally verifies whether the PIN is correct, hence the card needs to be placed in the machine (the contactless part of the card can't verify PINs).

reclusive46

The thing that confuses me is when using it in the rest of Europe. They say you spend up to £20 in the foreign currency but since in Europe the technology is offline, I don't get how it can check how many Euros are £20.

callum9999

reclusive46 wrote: »

The thing that confuses me is when using it in the rest of Europe. They say you spend up to £20 in the foreign currency but since in Europe the technology is offline, I don't get how it can check how many Euros are £20.

Maybe the card has the limit built-in? I don't see how else they could stop it being used in places that allow more than £20 worth without PIN that are offline?

reclusive46

callum9999 wrote: »

Maybe the card has the limit built-in? I don't see how else they could stop it being used in places that allow more than £20 worth without PIN that are offline?

I was always under the impression it was the terminal that had the limit programmed into it. Ie. UK terminals will not show the first light if it is over £20. I guess its possible they can set limits for each country based on the country issue code but that would be a very long winded way of doing things and the exchange rate is always changing.

Plxply

reclusive46 wrote: »

I was always under the impression it was the terminal that had the limit programmed into it. Ie. UK terminals will not show the first light if it is over £20. I guess its possible they can set limits for each country based on the country issue code but that would be a very long winded way of doing things and the exchange rate is always changing.

From what I've read from the EMV Contactless books so far (Yes I'm that boring). UK Cards actually emulate chip and PIN over the contactless interface, they just skip the PIN part of the process. So the terminal can go online to the issuer to get approval, which I imagine might be compulsory for foreign contactless transactions.

reclusive46

Plxply wrote: »

From what I've read from the EMV Contactless books so far (Yes I'm that boring). UK Cards actually emulate chip and PIN over the contactless interface, they just skip the PIN part of the process. So the terminal can go online to the issuer to get approval, which I imagine might be compulsory for foreign contactless transactions.

That would make since. The seem reason annoys me why they can't get people with bad credit contactless on their cards. Contactless easily supports online authorisation. Prepaid cards even have contactless.