Metro Bank - Contactless Technology

stclair

Its looks like Metro Bank now offer contactless cards on their current and cash accounts.

https://www.metrobankonline.co.uk/Personal/Bank-Accounts/Current-Account/

https://www.metrobankonline.co.uk/Personal/Bank-Accounts/Cash-Account/

BugsyBrowne

stclair wrote: »

Its looks like Metro Bank now offer contactless cards on their current and cash accounts.

https://www.metrobankonline.co.uk/Personal/Bank-Accounts/Current-Account/

https://www.metrobankonline.co.uk/Personal/Bank-Accounts/Cash-Account/

Oh that's good McDonald's queues should go down quicker.

dalesrider

Won't be long before ALL banks are using them.

Only basic accounts won't have them. As they don't seek authorisation.

stclair

dalesrider wrote: »

Won't be long before ALL banks are using them.

Only basic accounts won't have them. As they don't seek authorisation.

Its strange how Metro Bank can offer contactless cards on their basic account however the other banks cant.

Plxply

stclair wrote: »

Its strange how Metro Bank can offer contactless cards on their basic account however the other banks cant.

As far as I'm aware basic contactless cards can actually do online authentication and I believe it's how American contactless cards operate. It just seems that most UK issuers only ever issue offline contactless cards.

reclusive46

Plxply wrote: »

As far as I'm aware basic contactless cards can actually do online authentication and I believe it's how American contactless cards operate. It just seems that most UK issuers only ever issue offline contactless cards.

This is correct, contactless can be authorised online as well (Correct about US as well buts its a different technology). Some prepaid cards are contactless. (Barclaycard's paytag is as well). I imagine when the banks renew their agreement Visa will make them issue contactless cards to everyone. Although some banks will be switching to Debit MasterCard as MasterCard is offering some really competitive offers to the banks.

Hazzanet

Plxply wrote: »

It just seems that most UK issuers only ever issue offline contactless cards.

Really? My FD card seems to request Authorisation:

dalesrider

Even a contactless transcation has a auth code when its processed by the retailer. Even if its 6 hours after the transaction is made.

Some will only batch process at the end of the day. Other retailers will run each one.

Some contactless will require authorisation. I have a 02 prepay card. That goes for auth. And I get a text telling me what I have spent as soon as the transaction is made.

Maybe basic accounts will get them in time. But people will have to be aware, that some banks will need to change the T/C to cover the chance of a customeer going over limit using a contactless card.

reclusive46

Hazzanet wrote: »

Really? My FD card seems to request Authorisation:

The machine normally generates the auth code anyway using the card. M&S is definitly offline, used my contactless amex in M&S today and its not showing up as pending online yet.