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Stores that DON'T accept contactless payments - name and shame!
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Apple Pay is just as slow as chip and pin, contactless's advantage is its speed of transaction. I saw someone using Apple Pay on London Underground to touch in the barrier - slowed the busy commuters behind him!
I always use my contactless on the underground, which is another advantage - don't have to worry about topping up an oyster and I get the peace of mind that my travel gets capped at a week's travelcard rate if I travel more than I expect to. Whereas on oyster they didn't do a weekly cap, you had to buy the travelcard and sometimes it's not worth it.
Also someone mentioned using contactless at an ATM? You can't use that, when the poster mentioned about people looking over your shoulder at your pin I think they meant in a shop - it's so easy for people to look at your pin if you don't cover it - and a lot of people don't, I've inadvertently found out people's pin numbers just by a glance!
BIB: he probably didn't pre-authorise his device before he got to the gates (you have up to 60 seconds once you've registered your finger print). It saves an awful lot of time!
From what I've read myself it's apparently quicker using an Apple Watch than the iPhone itself.
In terms of Apple Pay I was in M&S Simply Food last night... had left my wallet in the car and used it to complete checkout... Whilst this thread proves contactless isn't for everyone it did save me from having to go back to my car to find it and get wet twice!It's not your credit score that counts, it's your credit history. Any replies are my own personal opinion and not a representation of my employer.0 -
I'm not surprised by the refusal of people to use contactless because most people are resistant to any change. So that's why most banks automatically issue a contactless card because that's the best way to get people to use it.
Security is not really an issue because the banks guarantee to refund any fraudulent transactions. Which very rarely happen because I've never lost a card or been the victim of any kind of bank fraud and I don't know anyone personally who has.
Same here! I have several bank accounts and numerous credit cards, although I tend to stick to just one for all spending. I've also used Internet banking since it existed and I've NEVER yet fallen foul to any fraudster.
But, I have my wits about me and NEVER click on links in an email nor answer anonymous phone calls so I've never experienced nor fallen prey to any fraudster trying to get hold of my details.
The one and only time I lost my credit card (dropped it in my local Coop) I went in the next day and somebody had found it and handed it in.0 -
Meh is that it? This dinosaur is wise enough not to use an ATM whilst someone is huddled upto their shoulders. I guess contactless has made users far less security conscious when using an ATM in a crowd.
I never use ATMs nor do I ever use a debit card, either online or in a store. I'm not that stupid. My money is as secure as the bank is.0 -
No, No, my boycott would be if a store INSISTED on contactless payment. I am happy to use chip n pin, cash is always king but I would not be prepared to return from an ATM with cash were a store to refuse my chip n pin method.0
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BIB: he probably didn't pre-authorise his device before he got to the gates (you have up to 60 seconds once you've registered your finger print). It saves an awful lot of time!
From what I've read myself it's apparently quicker using an Apple Watch than the iPhone itself.
In terms of Apple Pay I was in M&S Simply Food last night... had left my wallet in the car and used it to complete checkout... Whilst this thread proves contactless isn't for everyone it did save me from having to go back to my car to find it and get wet twice!
I've activated Apple Pay on my phone and registered my credit card but I'm still a little puzzled about how I would go about using it to pay for a transaction. Help? lol0 -
But the terminal you put your card in to do a chip and pin transaction is the same one that you put your card near to do a contactless transaction and all of the terminals I've seen are set up to automatically try contactless. Therefore, neither you nor the cashier will have any control over which mechanism of payment is attempted first - if contactless, then your card will be activated for contactless on the first occasion, then on subsequent purchases you may find you are no longer asked for a pin, despite putting the card into the slot (simply because a contactless payment was processed before the chip was read). You may find your card has already been unknowingly activated by this mechanism - the contactless activation process looks exactly the same as any other chip and pin transaction (except, you might get an extra 'beep' out of the terminal before entering your pin - but that would certainly be easy to not notice).
You, and other people, say this, but my experience is entirely contrary, I have never had any of my contactless cards make a contactless transaction rather then the C&P transaction that I intended to make. I remain unconvinced that on the cards that I use that contactless is activated without me making a conscious decision to activate it.0 -
These numbers are a little dated now and I can't on the quick find anything later, but they are still very relevant when seen in the context of other fraud in the same period:
Cheque fraud: £10.5m (205 times the contactless fraud)
Counterfeit cards fraud: £24.2m (475 times the contactless fraud)
Distraction thefts in shops and at ATMs: £29.2 million (572 times the contactless fraud)
I would recommend that those concerned about contactless fraud immediately stop using their chip & PIN cards as well as cheques, as they both are obviously incredibly unsafe.
And the really bad news for the worriers is that online and telephone banking is also incredibly unsafe. Tin hat time, folks, methinks!
Online banking fraud: £29.3m (574 times)
Telephone banking fraud: £6.6m (129 times)
Thank you Colston .... and as long as others fall for scams like(on the Forums this week)
"This week I have lost £5,000 because I stupidly let my guard down. Advert on Facebook, I called for more info they said simple money into your account you send it to them keep 10% completely safe and legal.... Add me as payee in your bank Acct and give me PayPal password for security.. Immediately 300 in my bank.. Send it back they said I did, send me 90 it is in your PayPal Acct... What? 2 hours later 5k came into my PayPal and was transferred to my bank Acct, I sent it to them immediately and even before it had cleared.. Thinking I would earn money and feeling overwhelmed by amounts and speed and unable to stop it, do it, do it, they said via what's app, faster faster... How gullible I was sucked in and having reported it to police etc PayPal limited my acct and paid all these people back.. I am liable for the 5k, the bank have their names and account details, but nothing is happening as their acct is empty now.... Never ever be sucked in.. Late at night seems like a good idea this was all from midnight to 2.00 am and now my life will be in debt forever... As I am retired, and have no income. This will take a long time to pay back. I can find no one else that has been conned this way so I am putting it here to remind everyone do not get sucked in to making a quick buck for Christmas. I am usually so careful....."
...............contactless scams will be at the bottom of the list.Never pay on an estimated bill. Always read and understand your bill0 -
I have no worries about using contactless and appreciate how it speeds up the transaction.
However, I also know that people don't like change, and worry about security. I've heard stories about banks refusing to issue non-contactless cards as an alternative, which does seem bad.
To return to the original point of the thread though, the main shops I've found not accepting contactless are Sainsburys and Holland & Barrett.
I found one local independent coffee shop wanting to charge 50p for all card transactions under £5 (whether contactless or not). When I challenged the owner she said it was because they have to pay for the till rolls and other expenses relating to the card reading machine. Their coffee wasn't exactly cheap, and I couldn't help thinking it's attitudes like that which give small businesses a bad name and keep people going back to the chains.0 -
In my small town only the BP garage is contactless - Boots, Tesco Express and Asda are not.Never pay on an estimated bill. Always read and understand your bill0
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I was surprised to learn my local independent pet store is now contactless when presenting my card yesterday. Only encountered it in the local Coop so far but then I don't get out much.0
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