Contactless fraud

Tigsteroonie

MarkFromCornwall wrote: »

You can't normally use contactless for cashback.

That I didn't know (personally I choose to never the contactless option), so thank you for advising this.

Flobberchops

If you have a contactless card you can ask to have the contactless functionality turned off without requiring a non-contactless card to be issued.

melanzana

I've no problem with contactless.

Apart from the fact that I never know when to take the flippin card off the screen!

Must be old age.

MarkFromCornwall

melanzana wrote: »

I've no problem with contactless.

Apart from the fact that I never know when to take the flippin card off the screen!

Must be old age.

Hold the card a couple of inches away from the screen so that you can still see the screen. It says something obvious like 'card accepted' when it has successfully read the card.

melanzana

MarkFromCornwall wrote: »

Hold the card a couple of inches away from the screen so that you can still see the screen. It says something obvious like 'card accepted' when it has successfully read the card.

Oh thank you!

I have asked in numerous outlets and they just shrugged, and said you would hear a beep! Never did either.

Thanks.

Multiple <£30 spends on the way now. With ease.

melanzana

I have noticed though (with my bank anyway) that contactless transactions do not appear in "pending transactions" on my internet banking app. So it is an easy way to think you have loadsa dough when you don't really!!

Super_Whiskey

melanzana wrote: »

I have noticed though (with my bank anyway) that contactless transactions do not appear in "pending transactions" on my internet banking app. So it is an easy way to think you have loadsa dough when you don't really!!

The reason being that contactless cards don't need authorisation in the same way C&P transactions do. They're stored by the retailer in an 'offline' state before being processed as the terminal doesn't check that the account has enough cleared funds when you make the transaction that's why they take a little longer to show but also why it's an almost instant process.

anoncol

In KFC she went and put my card in because it asked for a PIN. It annoyed me and i ended up using a different card. It was my TSB card i use for cashback.

glider3560

All of the pubs and takeaways round here won't (read: don't know how to) give a receipt when using contactless.

Most often, they take the card off you (at which point you expect them to put it in the reader for a PIN), touch it on the screen and give it back. You ask for a receipt and they claim the machine doesn't ever print receipts for contactless. You then protest that you didn't ask them to do contactless and didn't see the screen. They shrug, you walk away hoping they put the correct amount in.

I now specifically ask to pay by CHIP and PIN in these places, but it still catches me out when I visit somewhere new.

As most of these businesses are staffed by the owner (or a close relative), it would be very easy for them to put through £30 instead of £5 and pocket £25 profit.

glider3560

Super_Whiskey wrote: »

The reason being that contactless cards don't need authorisation in the same way C&P transactions do. They're stored by the retailer in an 'offline' state before being processed as the terminal doesn't check that the account has enough cleared funds when you make the transaction that's why they take a little longer to show but also why it's an almost instant process.

Online authentication is possible, but most places in the UK don't do it. My local BP petrol station (operated by franchisee Malthurst) do online authentication for some of my contactless transactions. It is quicker, but much slower than doing the transaction offline.

Overseas, I have seen online authentication widespread in many places, e.g. Poland and Spain,