Contactless grief PSD2 pin verification

Vortigern

European_Commission wrote:

Article 11

Contactless payments at point of sale

Payment service providers shall be allowed not to apply strong customer authentication, subject to compliance with the requirements laid down in Article 2, where the payer initiates a contactless electronic payment transaction provided that the following conditions are met:

(a) the individual amount of the contactless electronic payment transaction does not exceed EUR 50

I wonder whether Amex will apply this limit. Evidently they don't currently limit contactless card transactions to £30. I've made contactless transactions of over £40 and another MSEer claimed to have spent £90. Physical card transactions - not ApplePay.

boo_star

Vortigern wrote: »

I wonder whether Amex will apply this limit. Evidently they don't currently limit contactless card transactions to £30. I've made contactless transactions of over £40 and another MSEer claimed to have spent £90. Physical card transactions - not ApplePay.

They also don't seem to require a C&P transaction after a random number of contactless payments. But then they didn't seem to fall under the cap to interbank transaction charges either.

spenderdave

I fail to see why having to enter your pin when doing a contactless payment is anything to be embarrassed about. As it happens I make sufficient chip and pin payments (with pin) in between contactless ones that I have never had to enter my pin with contactless ever. I think using chip and pin resets the contactless counter.

Robin9

No issues with TSB - only once have I been asked for a PIN.