Is contactless all that it's cracked up to be?

bobblebob

Thanks

In regards to is it worth it, it speeds up transactions but if Chip&Pin was faster it wouldnt be required.

Ive used Chip&Pin that authorise the card within 2 seconds, where as others seem to take abit longer. Same with ATM's. Some are super faster others slower. So maybe we should be looking at speeding up the authorisation process?

Chino

alanq wrote: »

Yes, it's normal that a PIN is required for the first transaction.

In my experience, it's not normal for Barclaycard-issued cards.

bobblebob

Just read on the Halifax site that the first transaction has to be chip&pin

Makes sense really. If your new card goes missing in the post anyone can use it without the PIN

mwarby

So my switch to nationwide went through today and first contactless for a while with android pay. it wasn't instant took about 10 seconds from registering the payment to completing as went online to auth.

So far glad I switched savings rates marginally better, customer service good and got contactless option

Can't say contactless will change my world though lol

Herbalus

I like to pretend I'm Harry Potter and whisper spells when I pay with contactless.

But that's just me

Dandytf

roadrunnertwozero15 wrote: »

Is contactless all it's cracked up to be? Anyone opted out of it? Anyone find it useful or useless? Do you have contactless but never bother use it and still do it by chip and pin?

I have a basic account but no contactless with the bank I want and I dunno if I want to switch to a basic account what has contactless if it's not much of a benefit?

I love technology, hence I've been using contactless via iPhone 6 Apple pay, fuel/groceries/lunch.

I recently used my rbs debit contactless card to pay for petrol (via contactless card 'just for the sake of trying via card'

Can't honestly remember the last time using chip and pin, though I make a few small atm cash withdrawals -A lot LESS cash withdrawals since using contactless.

Mrs_Ryan

I love my contactless Barclays debit card. In the last couple of days alone, I've used it in as diverse places as paying for a copy of OH's birth certificate (where the clerk got very excited bless her as she said that was the first contactless transaction she had taken) to buying some tea towels in a small independent department store in Loughborough. It's a godsend for me as I can't use a PIN so between my Chip and Sign card with Lloyds and this one it works well.

bigfreddiel

roadrunnertwozero15 wrote: »

Is contactless all it's cracked up to be? Anyone opted out of it? Anyone find it useful or useless? Do you have contactless but never bother use it and still do it by chip and pin?

I have a basic account but no contactless with the bank I want and I dunno if I want to switch to a basic account what has contactless if it's not much of a benefit?

It's great if you want anyone to use your card.

It's useless if you want to spend more than £30

Look at it like this. A long time ago you paid in cash or wrote a cheque

Then your card was mechanically swiped in a machine and you signed it with a ballpoint pen, kept a copy, and the merchant kept copies to be processed

Then you were given a pin, four digit number and you enter that into a key pad

Now you hust tap the card.

People hated each change and moaned about it

Make your own mind up

fj

Archi_Bald

bigfreddiel wrote: »

It's useless if you want to spend more than £30

That is not quite true as many retailers have no limits on Apple Pay, and possibly also Android Pay.