Contactless grief PSD2 pin verification

realaledrinker

Is it just me or are others getting frustrated by this newly introduced requirement to verify every 5th contactless transaction with my pin?

I get the 'you are overdrawn' dirty look from the retailer more often and not and again just now got a Card Declined message even when using the pin.

This is with Starling.

eskbanker

As far as I was aware, that regulatory requirement was always there since the introduction of contactless? [edit: seemingly not regulatory up to now, see below]

Is your second point related more to the increasing use of online authorisation for low-value transactions, rather than PSD2?

sal_III

I'm still waiting for this to trigger for the first time, it might take a while for me as I do most contactless transaction through Apple pay and this seams to circumvent the PIN requirement.

In the rare occasions when I would get the pin wrong or whatever and my card is declined I have never seen a "dirty look" from the retailer. You are over reacting a bit.

Chino

eskbanker wrote: »

As far as I was aware, that regulatory requirement was always there since the introduction of contactless?

What regulatory requirement? PSD2 is relatively recent.

EssexExile

I've not noticed any change.

System

I've never come across this. Is the need for a PIN verification every fifth transation related to particular card issuers, or all of them?

Is this tied into the allegedly more complicated online-banking log ins (I say allegedly because both of my banks have always required a long-winded log in and only the interface has changed since the new rules).

realaledrinker

Done a bit more googling and this is all to do with Strong Customer Authentication provisions in PSD2. Should've come into effect on 14th September but UKFinance has been allowed a last minute phased implementation. Seems Starling are ahead of the game as usual. Unfortunately, in this case...

https://www.fca.org.uk/news/press-releases/fca-agrees-plan-phased-implementation-strong-customer-authentication

eskbanker

Chino wrote: »

eskbanker wrote: »

As far as I was aware, that regulatory requirement was always there since the introduction of contactless?

What regulatory requirement? PSD2 is relatively recent.

Fair enough - it seems that the previous practice of enforcing occasional PIN-verified transactions may not have been underpinned by regulation. I was under the impression that the insistence on occasional PIN entry was a fundamental part of the deal, but seemingly this wasn't universal, or mandated by any regulation that I can find!

https://www.which.co.uk/money/banking/banking-security-and-new-ways-to-pay/new-ways-to-pay/contactless-cards-ah1q15s797hb refers to the previous practices:

In 2016, we asked volunteers to use their tap-and-pay cards on the high street, spending between £20 and £30 each time, and to keep shopping until they were asked for a Pin, to see how much a thief could spend unchecked.

While most banks asked for a Pin, or blocked the card, after three to five transactions, three debit card providers - Barclays, the Co-operative Bank and TSB - allowed our 'thieves' to spend more than £200 through 10 consecutive transactions in just three hours. A real thief might well have continued.

born_again

There has always been the need to enter a PIN after so many contactless transactions. It is a fluid limit and changes from time to time.
But most people have entered a pin anyway and reset it.
When contactless was first introduced it was 3 transactions or £45.

Never get why people get so hung up and embarrassed when their card is declined. In this situation it does not say declined. It advises retailer that a PIN needs to be entered. Just a lot of staff do not read the instruction....

Ben8282

realaledrinker wrote: »

Is it just me or are others getting frustrated by this newly introduced requirement to verify every 5th contactless transaction with my pin?.

Not aware of this requirement and am certainly using cards for more than 5 consecutive contactless transactions without entering a PIN. Don't use Starling though so perhaps this is something unique to them.

realaledrinker wrote: »

Is
I get the 'you are overdrawn' dirty look from the retailer more often and not and again just now got a Card Declined message even when using the pin.
.

I think this is your inagination.

Vortigern

Starling stated their contactless rules in an email dated 11 Sept

We’re making a change to how you make contactless payments. It’s designed to keep your money safe (while keeping in line with some new regulations that all UK banks now have to follow). Here’s what to expect...

We’ll be asking for your PIN a little more regularly when you pay with contactless.

After you make five contactless payments in a row (or once your payments have totalled £135) you’ll be asked to enter your card in the machine and enter your PIN. It doesn’t mean there’s anything wrong with your card or account – rather, it’s called Strong Customer Authentication (SCA), and it’s just another way for us to keep your money as safe and secure as possible.