Contactless payments

photome

Hermione_Granger wrote: »

http://www.theukcardsassociation.org.uk/contactless_consumer/what_is_contactless.asp


The transaction does go to the issuer but this might not be done at the time the payment is made as there is no requirement for the card readers to have a full time connection to the web.

the readers that I have mentioned wont work without a connection to the web

calleyw

Spelunthus wrote: »

Another upvote from me for using a contactless payment app on your smartphone. I use Google Pay. It works just like a card. The phone must be unlocked first (I use my fingerprint to do that). Then you get a positive payment tone and vibration on the phone. You also get a "receipt" on the phone, with time, date, amount, payee and a MAP of where you made the payment. This is great stuff - and much better than a card.

Unless you are using it on the Tube. As it creates a virtual card each time.



So you would end up being charged the max ticket price every time.


Yours


Calley x

Hermione_Granger

photome wrote: »

the readers that I have mentioned wont work without a connection to the web

This is one of the readers in your link:
https://www.vatmilano.it/wp-content/uploads/2018/03/eChoice-Elavon.pdf

High Speed Transactions clearing both online and offline.

The reason for contactless payments being accepted without the need for the readers being online and connected to the bank is speed.
When you tap your contactless card, it is generally approved almost instantly without your bank needing to verify it and this is why it's possible to go overdrawn when making contactless payments as many retailers will process the payments in batches and this may be at the end of the days trading or at night.

https://www.verdict.co.uk/electronic-payments-international/comments/tap-and-go-overdrawn-does-offline-nfc-pose-risk-4646567/

In terms of the question ‘can every terminal transact offline’: the answer is yes. Interestingly, some can’t do online.

London’s tube network processes all contactless transactions offline. There are certain checks in terms of so-called hot cards (reported missing or suspect, so they register on a reader as defunct) but the TfL system is completely offline.

In most cases, card terminals have the ability to go online when required. However, as contactless transactions are all about speed, the terminals will remain offline. This works because banks know how to keep the risk under control.

DoaM

calleyw wrote: »

As it creates a virtual card each time.

Does it? The system on the Tube won't do that, so you can only be suggesting that the app (Google or Apple Pay) does it. I'd suggest otherwise ... in my Google Pay app my bank card is registered as a single (albeit different) card number.

Caveat: I have no experience of trying it on the Tube so cannot say for sure.

photome

Hermione_Granger wrote: »

This is one of the readers in your link:
https://www.vatmilano.it/wp-content/uploads/2018/03/eChoice-Elavon.pdf



The reason for contactless payments being accepted without the need for the readers being online and connected to the bank is speed.
When you tap your contactless card, it is generally approved almost instantly without your bank needing to verify it and this is why it's possible to go overdrawn when making contactless payments as many retailers will process the payments in batches and this may be at the end of the days trading or at night.

https://www.verdict.co.uk/electronic-payments-international/comments/tap-and-go-overdrawn-does-offline-nfc-pose-risk-4646567/

Are you getting all your info from google or do you have experience with the card readers that you linked to.

I know they go out of order when not connected to the internet, they may be able to work offline , that maybe depends on the installation

[Deleted User]

KatrinaWaves wrote: »

I don't, because that's not correct

It's correct, I assure you.

KatrinaWaves wrote: »

It literally means you can hold the card near to the reader to pay (yes, quite near, but you do not have to touch it)

Of course it contacts the bank. How would it even work if it didn't...

When you tap your contactless card, it is generally approved almost instantly without your bank needing to verify it and this is why it's possible to go overdrawn.
"Contactless" is nothing to do with the terminal. that's why there is generally a £30 limit so that the Bank can keep control of those who might otherwise abuse the service.

Do you really think Contactless is solely about the technology of the terminal? :eek:

KatrinaWaves

Moneyineptitude wrote: »

It's correct, I assure you.

When you tap your contactless card, it is generally approved almost instantly without your bank needing to verify it and this is why it's possible to go overdrawn.
"Contactless" is nothing to do with the terminal. that's why there is generally a £30 limit so that the Bank can keep control of those who might otherwise abuse the service.

Do you really think Contactless is solely about the technology of the terminal? :eek:

No, it is to do with many things, you not having to put in your pin to verify your identity is the main reason for the limits, not the fact it doesn’t check your balance.

I have had payment cards declined for insufficient funds. I have had payments declined because I have hit some random limit of contactless payments in so many transactions (not the daily limits) because my bank has asked for a PIN verification because I’ve used contactless too many times. There is absolutely communication with the bank.

Are you really saying that the name contactless has nothing to do with the manner of payment, and only has to do with it ‘not contacting the bank’? I disagree with that being the reason for the name, that’s all. It’s very much a ‘you don’t have to put in your PIN number’ all encapsulating word, but you do not have to touch the terminal with your card. Like I said, please do try it sometime. I have nothing to gain from pretending it’s possible

I don’t want to be one of those people who uses Wiki to back up an argument but here we are:

https://en.m.wikipedia.org/wiki/Contactless_payment

‘Near field’ ‘close proximity’ ‘allows a user to wave their card OVER a terminal’ this, plus references to limits due to lack of pin verification are mentioned. I don’t see any reference to ‘its contactless because they don’t contact the bank’ but I am happy to be corrected with something more reliable than wiki.

JReacher1

Of course contactless payment means that you can make a payment without touching the card reader. It’s nothing to do with the bank.

They are powered by NFC technology which by definition means you don’t have to touch the terminal with the card.

charlotte1994

techno12 wrote: »

How does it tell you straight away? Your card is blocking the screen!

The IKEA situation I mentioned in the OP was a case in point. I heard a beep, removed the card, saw a "accepted" message on the screen. Then it all.locked out as somehow it wasn't accepted and I had to wait for a human to arrive and unlock the terminal. Crazy.

What should happen is you tap below the screen, wait for a huge green 'TICK' to appear on screen then you know it's done and dusted.

As I said originally, crazy design flaw..

It's not a design flaw as you don't actually have to physically put your card on the screen you know. You don't have to cover the whole screen with your card. It's not a design flaw, it's you doing it wrong :rotfl:

ThumbRemote

Moneyineptitude wrote: »

You do realise that the lack of "contact" is with the Bank, not the actual terminal?

It's also a fact that an undisclosed percentage of Contactless payments are rejected for "security reasons". Basically, it helps to prevent lost or stolen cards from being used.

Moneyineptitude wrote: »

It's correct, I assure you.

When you tap your contactless card, it is generally approved almost instantly without your bank needing to verify it and this is why it's possible to go overdrawn.
"Contactless" is nothing to do with the terminal. that's why there is generally a £30 limit so that the Bank can keep control of those who might otherwise abuse the service.

Do you really think Contactless is solely about the technology of the terminal? :eek:

You are completely incorrect. Contactless refers only to the card and terminal.

The back-end processing with the bank is referred to as online and offline transactions - just like it always has. It was quite possible to perform offline transactions prior to contactless cards being introduced.

See, for example https://www.emvco.com/emv-technologies/contactless/
Book A sections 4 and 5 give an overview; the term 'contactless' is used only in terms of transaction between the card and terminal. See also Book C-7 section 3.2 which covers online and offline processing, and Book D which defines the whole Contactless protocol purely in terms of communication between the card and terminal.