Barclays Paytag on a iphone with a cover - will it work ?

pvt

reclusive46 wrote: »

I find with American Express they don't even ask for a PIN, after 3 or 4 consecutive transactions, they will just authorise the contactless transaction in real time instead.

I did't think any contactless transactions are "authorised", they are in effect below the retailers threshold for authorisation. That's why they are only possible on small transactions below £10 or £20, depending on the retailer concerned. Above that figure the terminal will not offer contactless payment.

Same as in America when you hand over an AmEx (or other) credit card to pay for your Starbucks, they just swipe it and hand it back - no signature required.

kgw1009

Alexd52 wrote: »

As an aside, it is not a given that you will have to input your PIN after 3 or 4 contactless transactions, I have been using the method 2 or 3 times a week for the past 18 months and have yet to be asked to do this.

I have never been asked to put a pin in either. Been using contactless for ages.

reclusive46

pvt wrote: »

I did't think any contactless transactions are "authorised", they are in effect below the retailers threshold for authorisation. That's why they are only possible on small transactions below £10 or £20, depending on the retailer concerned. Above that figure the terminal will not offer contactless payment.

Same as in America when you hand over an AmEx (or other) credit card to pay for your Starbucks, they just swipe it and hand it back - no signature required.

Some are. My point was that while there not usually authorised. Amex cards start to go online and check the card is valid after several consecutive transactions.

In the U.S. Your referring to the no signature limit. All the transactions are authorised 100% by the bank. Offline transactions are not permitted for no signature transactions in the U.S.

Contact less in the U.S. Also operates in real time as the card transmits a version of the magnetic stripe instead of the chip data that is normally sent to the terminal.

Alexd52

eddddy wrote: »

Do you mean you've been using the card exclusively for contactless transactions for 18 months?

If you do 3 or 4 contactless transactions, then do a Chip and PIN transaction - the use of the PIN confirms that the card is in 'safe hands', and so you can then do another 3 or 4 contactless transactions, and so on.

I intersperse contactless transactions and Chip and PIN transactions, and so it's very rare that I'm asked for a PIN with contactless.

Ah, of course, this is probably the reason, yes I do intersperse, it certainly makes sense!