Turning off Contactless

[Deleted User]

Nasqueron my cards have always said they "must be used" at ATM or chip/pin for first usage - maybe that explains your first rejections on the Credit Card. Debit card passed as you changed the pin.

I don't know if the security varies by issuer and/or card auth type? If anything I'd think online auth would need less verification (since there is presumably a check to see if the card is hotlisted whilst it's checking I've got money).

The card I use is Curve (Imagine Curve) - the business linked one. Maybe that's why I've seen it so much. It also is largely contactless purchases I use it for (no TFL yet as I'm not in London).

With the process Chattychappy describes, there is no need for a PIN pad as no communication to the bank is made in real time - so the only chance of it being rejected on a average journey would be if it's blacklisted.

I've noticed a few outlets where despite the card being 100% online auth, transactions aren't actually authorized until the next day (Poundland, Stonegate pubs & Tesco depending on what mood they're in).

Not sure where liability would be there if I didn't have the funds to pay - Curve aren't a bank so they wouldn't want to take the hit. None of the bank cards were authorised in real time so they wouldn't want the hit either!

interstellaflyer

Marmaduke123 wrote: »

I use my contactless card quite frequently, and I've never yet been asked to enter my pin. I'm interesred to hear this does actually happen!

My guess is that if you make a certain number of consecutive contactless payments you are checked by having to use chip and pin, we've had customers that have been declined on contactless yet the card works ok chip and pin so it sounds logical.

brila

Thanks for the replies.

It has only happened once. I was at a leisure centre. It's not my proper purse - just a travelcard style wallet that I keep library cards, sports centre cards, season tickets and one credit card. The woman on the next till was having some sort of meltdown. I was focused on a complicated course booking and filling in paperwork. Since the purse was only full of comparatively undesirable bits of plastic, it was on the counter next to me. Woman grabbed the purse, slammed it to the card reading machine and stormed out. I had no idea that the credit card could be used to make payments by random people - I was under the impression that you had to put the pin number in the first time you used contactless. So to stop it being a contactless card, all you had to was not to try use it in a contactless way. Clearly this was wrong.

I will look into the RFID wallet.

Interested in the PIN number discussion. I very rarely use the credit card in person - it's more for online use. If I have the PIN number on the card reset, will that prevent contactless until I use the card with the new PIN number?

I'm not averse to new technology, but the negatives of this seem to outweigh the positives for me. Is it really too timeconsuming to type a pin number? I feel a bit vulnerable tbh.

Robisere

brila, I am 71 and was also resistant to a CC card at first, but now I have got used to it, I like it. I have a RFID wallet and it only leaves the wallet to quickly flash over the terminal, then back in my wallet again. I think it may be that, aswe get older, we become more resistant to 'The New'.

It is surprising to me that some really large organisations are not yet contactless, B&Q being one. Whilst there are small shops that have embraced it, like the old-fashioned "Gentleman's Outfitter" - type shop, in my town of Louth.

I like to ask at tills in big chains, when I can actually see that the terminal is non-contactless, when they will be getting the CC terminals. I think it often surprises staff to see an oldphart dragging himself into the 21st. Century!

Poor_Single_lady

I understand concerns around contactless. But I do not understand why you would put your bank card down effectively unattended.
This is really strange behaviour in my book.

Nasqueron

Somerset_La_La_La wrote: »

Nasqueron my cards have always said they "must be used" at ATM or chip/pin for first usage - maybe that explains your first rejections on the Credit Card. Debit card passed as you changed the pin.

It is quite possibly though the bank CC I have had for 17 years or so and this was just a new card as the old one was getting close to the expiry and the new one just happened to be contactless. I found the debit one odd as I've used it in various places almost at random (I pay for supermarket on one CC for the bonus points and all other payments on the main CC for the cashback) so only ever used the debit card in passing e.g. on the tube for work (once or twice a year)

marleyboy

chattychappy wrote: »

Well, to re-iterate my question!



Or is it a protest?

It's a serious question, I'm curious to know..

Lets just say I feel far more secure doing it manually with Chip & Pin, a system which was also introduced as being as safe and secure as online banking claimed to be.

Its the same reason I dont have mobile banking or ebay apps on my phone. What do I do if I lose my phone? Do I block my accounts just in case?... I just dont trust the security of them, not least the idea of someone being able to empty my account whilst remaining completely anonymous.

At least with shoulder surfers or card skimmers, there is a higher probability of me placing a face or cancelling the card in time. If I lost my phone, I dont have the added worry of my bank account details being hacked from it. Nowadays even phones have contactless banking....It's not for me.

m4rc

marleyboy wrote: »

Lets just say I feel far more secure doing it manually with Chip & Pin, a system which was also introduced as being as safe and secure as online banking claimed to be.

Its the same reason I dont have mobile banking or ebay apps on my phone. What do I do if I lose my phone? Do I block my accounts just in case?... I just dont trust the security of them, not least the idea of someone being able to empty my account whilst remaining completely anonymous.

At least with shoulder surfers or card skimmers, there is a higher probability of me placing a face or cancelling the card in time. If I lost my phone, I dont have the added worry of my bank account details being hacked from it. Nowadays even phones have contactless banking....It's not for me.

You don't understand how card skimmers work - there isn't someone looking over your shoulder, there will be a camera, usually the size of a small sweet, and it will be collecting the PIN's as people enter them.

You wouldn't know it has happened, before you know it your card will have been used and likely not in the UK. You can't therefore 'cancel it at the time'. I'm not sure what you think happens, but it isn't what you think. However using contactless payments he details aren't captured, so your card can't be used without he card itself.

Either way if it was the bank would refund the money, you are not liable as I'm sure you know.

Regarding bank information on your phone if you lose it firstly someone has to get into it. If you've set it up with fingerprint recognition they are not getting into it, certainly not on an iPhone and for the average thief. Ask the FBI. If you have it setup correctly if there are several false attempts to get into your phone it's wiped, so if they do eventually get into it (they won't) then they would see nothing (not that they are getting in anyway).

Alternatively if you just lose your phone you simply login on any other computer and remotely wipe it. Nothing to see then, nking to be stolen from it.

How about trying that if you lose your wallet - login and remotely wipe your cards and cash.

I use my phone to pay when I can, and if I can't I use contactless, I've had cards cloned in the past, I didn't have a suspicious character in a hat with funny glasses and a fake moustache looking over my shoulder. In each case it was a hacked terminal (2 different petrol stations and 1 shop) and there was a camera built in, I was far from the only person caught out. I didn't lose a single penny and it was dealt with quickly by the banks.

I don't carry any other ID on me, and I look forward to DVLC introducing digital licences soon - they are being trial led and tested currently. Then I would pretty much just need my phone which as I'm never without is very convenient and about as secure as I can get.

Nothing is totally foolproof or totally secure, but I trust having my information and payment systems in my phone a lot more than cards in my wallet and risk losing that or having my PIN recorded and card cloned.

Mulder00

Somerset_La_La_La wrote: »

On the other hand, if I got on the bus and it wanted my pin, I couldn't enter it so got turfed off, I wouldn't be amused either. By not having pin pads they seem to have opened a can of worms for themselves....

This doesn't happen as the technology has moved forward for the cards to know that they cannot ask for PINs at that point. (It used to happen during the initial trial when the cards were charged the flat fare and no capping was applied, but all of that has changed now).

You can freely use your card on the bus/train every day. Every now and again, TfL will authorise your card to make sure it isn't lost/stolen (this is in lieu of asking for the PIN which would do the same thing).

marleyboy

m4rc wrote: »

You don't understand how card skimmers work - there isn't someone looking over your shoulder, there will be a camera, usually the size of a small sweet, and it will be collecting the PIN's as people enter them.

You wouldn't know it has happened, before you know it your card will have been used and likely not in the UK. You can't therefore 'cancel it at the time'. I'm not sure what you think happens, but it isn't what you think. However using contactless payments he details aren't captured, so your card can't be used without he card itself.

Either way if it was the bank would refund the money, you are not liable as I'm sure you know.

Regarding bank information on your phone if you lose it firstly someone has to get into it. If you've set it up with fingerprint recognition they are not getting into it, certainly not on an iPhone and for the average thief. Ask the FBI. If you have it setup correctly if there are several false attempts to get into your phone it's wiped, so if they do eventually get into it (they won't) then they would see nothing (not that they are getting in anyway).

Alternatively if you just lose your phone you simply login on any other computer and remotely wipe it. Nothing to see then, nking to be stolen from it.

How about trying that if you lose your wallet - login and remotely wipe your cards and cash.

I use my phone to pay when I can, and if I can't I use contactless, I've had cards cloned in the past, I didn't have a suspicious character in a hat with funny glasses and a fake moustache looking over my shoulder. In each case it was a hacked terminal (2 different petrol stations and 1 shop) and there was a camera built in, I was far from the only person caught out. I didn't lose a single penny and it was dealt with quickly by the banks.

I don't carry any other ID on me, and I look forward to DVLC introducing digital licences soon - they are being trial led and tested currently. Then I would pretty much just need my phone which as I'm never without is very convenient and about as secure as I can get.

Nothing is totally foolproof or totally secure, but I trust having my information and payment systems in my phone a lot more than cards in my wallet and risk losing that or having my PIN recorded and card cloned.

How about I am happy using the traditional chip and pin and to recap - its worked well for me upto now.

Feel free to use contactless and leave those of us who dont use it to feel free using chip and pin. Or is that asking too much?