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Stores that DON'T accept contactless payments - name and shame!
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Although several of my cards are contactless I have not yet used them in that way. I was under the impression that the first time you do make a contactless payment it has to be PIN authorised, is that right? If it is then never using contactless means the card is as safe as any non-contactless card, as it can't be used if stolen unless the thief also has your PIN.
With this in mind I feel pretty secure in NOT having to use the feature, as well as the risk of it getting stolen and not being able to be accessed without the pin. Up until a store says they only use contactless, all should be fine, I will have no issue in boycotting any store that insists I use the contactless feature.:A:dance:1+1+1=1:dance::A
"Marleyboy you are a legend!"
MarleyBoy "You are the Greatest"
Marleyboy You Are A Legend!
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marleyboy (total legend)
Marleyboy - You are, indeed, a legend.0 -
Feral_Moon wrote: »The benefit of a contactless card is that no one can shoulder surf to get your PIN.:A:dance:1+1+1=1:dance::A
"Marleyboy you are a legend!"
MarleyBoy "You are the Greatest"
Marleyboy You Are A Legend!
Marleyboy speaks sense
marleyboy (total legend)
Marleyboy - You are, indeed, a legend.0 -
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.
I don't for a minute believe that I've contradicted what I thought I'd said originally.
The card, after it arrives, cannot be used 'contactless' until the PIN is input. So if you go to Iceland and buy some milk with your new card in your hand, not having used it before with its PIN, you will be required to enter the PIN at the point that you pay for the milk. The card will not operate contactless at this point and this first transaction will be deemed not to be a 'contactless' payment. Only after the transaction for the milk has been made will you be able to go on and make a contactless payment.
That is my understanding of it and that is how I presented my explanation earlier.0 -
I'm thinking more on the lines of it remaining a chip n pin up until you use the contactless method for the first time, requiring a PIN thus rendering the card contactless.
I would be more happier in knowing my card was still only a chip n pin as I have not used any contactless methods.:A:dance:1+1+1=1:dance::A
"Marleyboy you are a legend!"
MarleyBoy "You are the Greatest"
Marleyboy You Are A Legend!
Marleyboy speaks sense
marleyboy (total legend)
Marleyboy - You are, indeed, a legend.0 -
I'm thinking more on the lines of it remaining a chip n pin up until you use the contactless method for the first time, requiring a PIN thus rendering the card contactless.
I would be more happier in knowing my card was still only a chip n pin as I have not used any contactless methods.
Here's an extract from TSB's contactless advice at first use:Please note: if you have a brand new or replacement contactless card, you'll need to use your card with your PIN before the contactless function will work. This can either be an ATM transaction or purchasing an item in store. This is a security feature to make sure that no-one else has got hold of your card.0 -
Steve - you are correct - I received a Santander 123 Debit Contactless card last week - the card had to be used in a ATM first (there was no other option)
I am a fan of contactless - just waiting for a few more places to be able to use it. It means I carry less cash.
There are stories but very few facts about fraud with contactless cards.Never pay on an estimated bill. Always read and understand your bill0 -
Fraud on contactless cards continues to be negligible at £51,000 over the first six months of the year, which is just 0.007 per cent of contactless card spending.
http://www.theukcardsassociation.org.uk/news/2014halfyearfraudfigs.asp
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)0 -
Can someone spell out what the advantages of contactless payment are please?
It's quicker, not just because you don't have to enter a PIN, but also because there is no authorisation dialogue between the retailer's terminal and the card issuer.
There are 4 ways to insert a card in a reader, only one of which will work. If all the dodderers in the queue ahead of you were freed from having to decide which way up to insert the card and trying to remember their PINs, your passage though the checkout would be so much quicker.0 -
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
Given the £30 limit for transactions, no one could be out by more than say £100-200 ...and the bank would refund it anyway.Yes Your Dukeiness0 -
Does anyone know if you get cashback for getting cashback? The self serve checkouts at my Morrisons let you get cashback, so I'm hoping I can get 5% back from withdrawing cash that way.0
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