Stores that DON'T accept contactless payments - name and shame!

agrinnall

Steve_xx wrote: »

No, it's not right, because it cannot actually be a contactless payment on the first occasion if you have to input the PIN.

But my understanding is that even if you are making a contactless payment the system will still sometimes ask you to enter your PIN, so asking for it on first time use is no different.

I'm not convinced that using a card in an ATM will activate the contactless facility but if you can provide a link to some evidence that it will I'll be happy to reconsider.

POPPYOSCAR

Yorkshire_Pud wrote: »

The main advantage is you no longer have to touch the keypad and pick up the germs/whatever of thousands of people's fingers:)

That does not seem a good enough reason for me.


We touch things that thousands of other people have touched everyday.

Yorkshire_Pud

agrinnall wrote: »

But my understanding is that even if you are making a contactless payment the system will still sometimes ask you to enter your PIN, so asking for it on first time use is no different.

I'm not convinced that using a card in an ATM will activate the contactless facility but if you can provide a link to some evidence that it will I'll be happy to reconsider.

When I first used a Santander card for contactless it did indeed ask me to input chip n pin. That was early this year.

With other cards ever since just using the card in an ATM first and making a small cash withdrawal has meant the cards have been accepted for first time use contactless. Maybe the settings have been changed?

This is just my own experience though I don't know what the industry claims or other people's experience is.

MABLE

I would prefer to name The Range for their policy on not being able to use a card for under £5.00. Even the Pound shop and Savers having no min spend on card and with the Pound shop I can use my American Express card.

Steve_xx

agrinnall wrote: »

But my understanding is that even if you are making a contactless payment the system will still sometimes ask you to enter your PIN, so asking for it on first time use is no different.

I'm not convinced that using a card in an ATM will activate the contactless facility but if you can provide a link to some evidence that it will I'll be happy to reconsider.

Taken from Lloyds:


The first time you use your contactless card for a transaction, you’ll need to enter your PIN. Once you’ve done that, all future transactions can be contactless. You need to hold your card very close to the reader (around 2 – 4 centimetres) for it to work. If the price of the transaction is over £30, you will need to key in your PIN as normal.


Read it here: http://www.lloydsbank.com/credit-cards/contactless-credit-cards.asp

Feral_Moon

The benefit of a contactless card is that no one can shoulder surf to get your PIN. As for those worried about walking near a terminal and making an inadvertent transaction, I'd say this is impossible as you need to hold your card within an inch of the terminal for the transaction to register.

And what are the chances of you falling on top of a terminal just as the cashier has entered a card payment amount and you accidentally make the payment. Ludicrous suggestion!

Steve_xx

Feral_Moon wrote: »

The benefit of a contactless card is that no one can shoulder surf to get your PIN. As for those worried about walking near a terminal and making an inadvertent transaction, I'd say this is impossible as you need to hold your card within an inch of the terminal for the transaction to register.

And what are the chances of you falling on top of a terminal just as the cashier has entered a card payment amount and you accidentally make the payment. Ludicrous suggestion!

In the main you're right. But there are inherent dangers with it. For example you may lose or have your card stolen and umpteen transactions may have occurred before you realise it. Vulnerable people might be in danger of having their accounts slowly emptied. It may encourage small time street theft since the card could be used a few times perhaps before it was halted in an attack situation.

benjus

My take on it is that in this country the attitude to transactions is to make it as easy and convenient as possible to spend money. Banks like this approach as they can cream some profit off the flow of money.

In some countries they try to stamp out fraud by using measures such as requiring photo ID when card payments are made. This makes it less convenient to use cards, and probably encourages many people to stick with cash.

Here they have obviously decided that having to reimburse customers for a bit of fraudulent use is a small price to pay for the increased volumes of money flowing through bank systems and the increased profits that this represents.

I have not yet had any issues with contactless, although I have been the victim of non-contactless card fraud on several occasions. In all cases it was sorted out quickly and efficiently by the bank. I have no problem with using contactless. I like it because it's simply less hassle than chip & PIN, and I don't see any risk to my money.

The point is NOT (as an earlier poster claimed) to make people spend money accidentally or to make them victims of card fraud. It's simply to make it easier to use cards and increase the amount of money going through the card networks.

agrinnall

Steve_xx wrote: »

Taken from Lloyds:


The first time you use your contactless card for a transaction, you’ll need to enter your PIN. Once you’ve done that, all future transactions can be contactless. You need to hold your card very close to the reader (around 2 – 4 centimetres) for it to work. If the price of the transaction is over £30, you will need to key in your PIN as normal.


Read it here: http://www.lloydsbank.com/credit-cards/contactless-credit-cards.asp

I'm pleased to see that you've provided a link that completely contradicts what you said when I suggested this was what happens on first use, perhaps you should return to your previous post and correct what you said.

takman

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.