Contactless cards

parking_question_chap

20aday wrote: »

One downside to some of these non-contactless cards is the fact they're unable to be used for things like Pay at the Pump, on trains etc.

So if you wish to have a non-contactless card it's worth checking out if the card issuer supports offline transactions.

Some trains.

Contactless can be used in London on the Oyster tap ins.

eset12345

SeaDweller wrote: »

Contactless card shields and contactless-proof wallets are available, then it would be a simple case of scanning your statements for the contactless symbol.

Or just accept contactless - as Apple themselves are supporting it, along with more and more retailers. It is a useful technology, has a limited range to be scanned and as others have said - your bank still covers fraud. I'd hardly call paypal secure, but that's another topic.

Banks accept low-level fraud risks for improved functionality (e.g. not having to enter a PIN for a sandwich and drink every day). In addition, your PIN is verified occasionally using contactless as well as their other fraud security measures...

its actually better than that, the processing companies / banks etc are mandated to have any new customers and existing customers who upgrade their terminals to be contactless at this point, and all existing terminals have to be replaced with contactless versions by 2020

so everywhere you go will have contactless terminals by 2020, and a good proportion will have them in the next year or two when their contracts come up for renewal

and this applies to the whole of Europe, so anywhere you go in Europe from 2020 will have contactless enabled terminals

wiseonesomeofthetime

parking_question_chap wrote: »

Security is the issue, not peoples preference of how they pay.

The problem is if you accidently drop your wallet or card people can now use it easily. There is also the risk of having your card cloned without you even realising.

Chip and pin was a massive step forward in security from the signature, now it seems we have taken a step back, just because its now deemed too much effort to enter a 4 digit number.

Some people find it difficult to remember multiple four digit numbers.

I certainly do not use the same number for more than one card for a number of reasons.

And writing that PIN down is frowned upon.

Not a step back, imo, but maybe not a step forward either!

planteria

maybe you want to apply for one of these cards.. good terms, and contact-required, as standard:

http://bank.marksandspencer.com/banking/credit-card/overview/?WT.ac=MASM_HPL_CC

have an idea re. a debit card too, if you want to pm me.

Shakin_Steve

I have four contactless cards in my wallet. Is this likely to confuse any machine that tries to scan them, or will it be able to access all of them at once.
I'm scared.:rotfl:

mwarby

20aday wrote: »

One downside to some of these non-contactless cards is the fact they're unable to be used for things like Pay at the Pump, on trains etc.

So if you wish to have a non-contactless card it's worth checking out if the card issuer supports offline transactions.

My nationwide basic/FlexBasic account (with online contactless card) works just fine for pay at pump and for trains (machines conductors use and ticket office)

mwarby

Shakin_Steve wrote: »

I have four contactless cards in my wallet. Is this likely to confuse any machine that tries to scan them, or will it be able to access all of them at once.
I'm scared.:rotfl:

It would confuse the machine if all were in range (the range can be pretty short though). The machine would charge 2 or more cards, as the machine has to supply transaction to bank, the cards don't do it by themselves

If 2 or more were i range it'd be either a failed read or a random card (the one which replied first/strongest)

Obviously the correct thing to do would be to take 1 card out, not wave whole wallet over machine

Shakin_Steve

mwarby wrote: »

It would confuse the machine if all were in range (the range can be pretty short though). The machine would charge 2 or more cards, as the machine has to supply transaction to bank, the cards don't do it by themselves

If 2 or more were i range it'd be either a failed read or a random card (the one which replied first/strongest)

Obviously the correct thing to do would be to take 1 card out, not wave whole wallet over machine

Yes...thank you for that, but I meant if they tried to steal my details as I passed by. Or if I pressed up hard against her..I mean him...I mean anyone, say, in a lift......or somewhere. :embarasse:embarasse

PixelPound

Shakin_Steve wrote: »

Yes...thank you for that, but I meant if they tried to steal my details as I passed by. Or if I pressed up hard against her..I mean him...I mean anyone, say, in a lift......or somewhere. :embarasse:embarasse

Buying card protectors (I got 10 for 99p inc postage off a certain auction site) or an RF blocking wallet will stop that. I did try to pay with a card inside one of the protector sleeves and it couldn't be read. I also tried to see how far away from a terminal you need to be for the card to be detected, and it was very close, probably 2cm if I was generous. So whilst they say contactless its not really because you practically have to make contact for it to work

I'm not sure cloning would be such a problem. Do you know what information they get from a scan? Its the information on the front of your card, so someone with a camera phone stood next to you could get the same info without the need to scan the card.

suaveybloke

Very annoyingly, First Direct (and HSBC/M&S) offer contactless debit cards but don't offer contactless credit cards. Why a bank as large as HSBC can't offer this I've no idea.