Pub refused to make contactless payment

UnsureTenant

I'm quite surprised by the amount of people who feel strongly against the technology.


I think it's convenient and a natural progression of electronic payment technology. Life's too short!

reclusive46

elsien wrote: »

I've never been seen anywhere offering contactless payment, or been asked if I want to use it. Maybe it depends where you live.

Do you live under a rock? :P

I'm in Norwich which isn't exactly the technology capital of the world but almost everywhere has it these days (apart from tesco). The majority of my transactions are contactless. The only place that I go that I pay for under £20 with chip and pin is my local Starbucks that for some reason won't take my Amex via contactless (even though they take Amex and contactless) and it just asks me to insert the card.

Tigsteroonie

dr_adidas01 wrote: »

Have to carry your contactless card in a metalic wallet? Do you think you can magically wave your contactless card in the air and it will take money from your account?

Not unheard of.
http://www.bbc.co.uk/news/business-22545804

chambta

marleyboy wrote: »

Having been FORCED into having a contactless card by the "You simply must, its the next safest thing since Internet banking" bank. I now have to carry my card in a metallic wallet designed to stop such unwanted transactions with the wave of my card.

So far I have not been told I MUST use the contactless method of purchasing, something I have no intention of doing. Akin to the new mobile app the bank also wants me to install on my phone, I simply dont trust it.

Bring back the days when a CC purchase included my name in the form of a unique signature and not some pin number, as it was with the introduction of the then; oh so safe, chip and pin method, so safe, its already being updated to this even more safer, you dont even need a pin number method. Back when using my card to make a purchase meant a face to face with the seller, in the days when theft or fraud from my card was not at risk of being committed so anonymously.

Do you think that PINs increase rather than reduce the risk of fraudulent use?

someone

mindwideopen wrote: »

It's been a while since I was working in payments so take this with a pinch of salt but they might be charged a higher fee for a contactless payment - the banks charge the retailer a few % of the payment as a fee anytime you use a debit or credit card to cover the cost of the system but also the fraud risk - with a contactless card and not putting in your PIN there's a higher fraud risk and so you might pay a higher fee and not really want people to use contactless.

Again, I haven't worked in payments since contactless came in properly so that might be rubbish!

Contactless payments qualifies for a significant discount in fees. Don't quote me on this but I think taking a contactless credit card is cheaper than a normal debit card. The card industry it trying to get any % of the otherwise cash business. Anyway, for the shop the cost of taking cards is more transparent than cash IMO.

silverwhistle

reclusive46 wrote: »

Do you live under a rock? :P

Well, neither of my two c/ac cards are enabled and I haven't particularly noticed anywhere (aldi possibly?) as obviously it's not of interest to me.

I must say that down the pub after a few is one place where I probably wouldn't want to use it, but I often don't take any cards at all in such circumstances, and my potential losses are limited to the cash I carry.

reclusive46

someone wrote: »

Contactless payments qualifies for a significant discount in fees. Don't quote me on this but I think taking a contactless credit card is cheaper than a normal debit card. The card industry it trying to get any % of the otherwise cash business. Anyway, for the shop the cost of taking cards is more transparent than cash IMO.

This is correct. Its 1p for a debit card and the credit card percentage rate is lowered to the lowest card rate (I.e. reward cards will charge the merchant at the standard consumer card rate on a contactless transaction).

marleyboy

Originally Posted by dr_adidas01
Have to carry your contactless card in a metalic wallet? Do you think you can magically wave your contactless card in the air and it will take money from your account?

Yes I do.....

Contactless payment data can be picked up at a distance

Contactless payment information can be harvested from a distance, researchers have warned

Data transmitted during contactless payments can be picked up from almost half a metre, researchers have warned. Inconspicuous equipment including a shopping trolley, a backpack and a small antenna were used to intercept synthesised payments card data.

http://www.bbc.co.uk/news/technology-24743920

Gromitt

marleyboy wrote: »

Back when using my card to make a purchase meant a face to face with the seller, in the days when theft or fraud from my card was not at risk of being committed so anonymously.

So you were never defrauded from someone "dumpster diving", and then doing "Card holder not present" transactions with those details? No face to face required, no signature required, no PIN required.

Even with face to face, I remember doing a trial and signing about 3 different purchases as "d duck" before someone pulled me up on it.

So they brought out CNP, which got a machine to check your id rather than a human who doesn't care.

Now they are saying "Hey, you shouldn't be disclosing your PIN to everyone for every transaction, lets scrap that" and so are making it more secure. Yes, someone can suck the data off your card and spend £20, but the bank will refund you so why worry? If they steal your card they might get £60. Not exactly equivalent to the great train robbery of 1963 is it?

marleyboy

Gromitt wrote: »

So you were never defrauded from someone "dumpster diving", and then doing "Card holder not present" transactions with those details? No face to face required, no signature required, no PIN required.

Even with face to face, I remember doing a trial and signing about 3 different purchases as "d duck" before someone pulled me up on it.

So they brought out CNP, which got a machine to check your id rather than a human who doesn't care.

Now they are saying "Hey, you shouldn't be disclosing your PIN to everyone for every transaction, lets scrap that" and so are making it more secure. Yes, someone can suck the data off your card and spend £20, but the bank will refund you so why worry? If they steal your card they might get £60. Not exactly equivalent to the great train robbery of 1963 is it?

Nope, can't say I was ever "dumpster dove", in fact until your post, I have never heard of it. The first time I was ever defrauded was from a chip n pin card in a dodgy shoe shop, fortunately the bank got on to it and refunded my losses.

Prior to chip n pin I never did get defrauded, the introduction of Chip n Pin was meant to resolve defrauding issues, alas it did not take long before it got compromised, internet banking was the next safest method introduced by the banks, up until that too got compromised.

Forgive me for not trusting these new safe methods the banks keep introducing, I guess I see a pattern in their security breaches. You might not object to the odd £20 going missing from your account, but I think I am entitled to my money staying in my account.