Contactless - why?

grumbler

I don't see this happening - big payments essentially without authorisation.

Archi_Bald

grumbler wrote: »

Are you serious - unless you mean contactless+PIN - that would be very different from the current contactless?

Yes I am serious, no I do not mean contactless+PIN, and yes it will be very different from current contactless.

You can read up about Apple Pay to get some idea of how it will work. It will be a few months before we can use it with UK cards. Windows / Android apps will also be available.

Archi_Bald

grumbler wrote: »

I don't see this happening - big payments essentially without authorisation.

It's already happening all over the US. Just because you don't enter a PIN doesn't mean there is no security and authorisation.

Hedgehog99

I like Contactless for:
1) speed of transaction (& therefore speed of queue at busy times)
2) the card stays in my hand at all times, so no risk of forgetting to take it out of the chip & pin machine

Security does concern me, but I hope the banks would pick up on sudden multiple transactions.

I still prefer to use Oyster in London so that I'm not waving my bank card around in busy moving crowds.

I wouldn't use mobile contactless. Current phone is useless anyway & if I had a new one, I don't like the idea of having my whole life on one "stealable" device.

For posters who've complained about card-clash (problems with more than one card being in their wallet), it's in the Ts & Cs for my contactless card that I must remove it from my wallet/purse to use it so as to avoid card-clash / multiple transactions / failed transactions.

grumbler

Archi_Bald wrote: »

...no I do not mean contactless+PIN,

But you do mean contactless + some other secure authorisation instead of PIN.

Luck of any authorisation is the main feature of the current contactles that many people don't like, including the OP.

You can read up about Apple Pay

Well, it's absolutely different - fingerprint of face recognition just replace the PIN.

silverwhistle

theEnd wrote: »

but in the past got so frustrated with a queue of people using a credit card to pay for a sandwich in Boots, or a pint in the pub. Way quicker now.

I must say that current credit card transactions are a lot quicker than they used to be and seem to be as quick as you can put in your pin. For small amounts I use cash, but in all cases you still need to wait for your receipt to be printed.

My first contactless card only arrived on Friday and is not even in my purse yet (and I'm not sure how much is in a fairly dormant account), so no experience to recount yet!

Archi_Bald

grumbler wrote: »

But you do mean contactless + some other secure authorisation instead of PIN.

Luck of any authorisation is the main feature of the current contactles that many people don't like, including the OP.

Well, it's absolutely different - fingerprint of face recognition just replace the PIN.

Of course there will be appropriate security and authorisation - I never suggested there wouldn't be. Not sure what points you are trying to make.

If you do have issues with the security & authorisation offered by the mobile apps, you should take them up with the firms that provide the technology. No point picking an argument with me over it as I am not providing, defending or advocating it - I have merely stated what will become available later this year, and what effect it is likely to have on contactless payments.

Gers

I use contactless a lot and find it very easy to use. As most of my cards are now contactless I keep them together as, if I understand the technology correctly, if there are two or more they are better protected against accidental use. However, I am not an expert on this and can only give my personal experience.

I don't know of any bus operators outside of London which now accept contactless debit cards on their vehicles but as I have my 'old biddy' pass I don't look for it.

So, love my cards, use them loads, prefer them for what they are designed for and am not worried about security. It's the bank which bears the loss if they are used fraudulently, same as other transactions.

EssexExile

Contactless saves nearly a second at the tolls on the M6 & if you have a frozen shoulder it saves you having to contort into a painful position to get the card into the slot.
Other than that I've never used it.

lee111s

I think it's great and use it where ever it's available.

Perfect example of it's use is for the metro here on Tyneside. If the metro is approaching it's a hell of a lot quicker to flash my card at the reader than to count out coins, wait for the machine to reject half of them and subsquently miss the metro.

It's also super handy if you have forgotten cash or like me, don't really carry cash.

It's the same saying that gets thrown around with new technology...no one is forcing you to use it. If you don't like it, don't use it!