Contactless limit

colsten

100 AUD = £55 approx. 

Rich2808

Fraudsters will be happy - steal (or find) someone's card, pop down to Tesco and buy £100 worth of goods before anyone has a chance to report it.
And keep using it until the card is declined!
Surely in restaurant you have time to use a proper card reader with a PIN - even with contactless you have to touch the card on the reader so there are the same risks! 
What was wrong with £45 as a limit.

masonic

Rich2808 said:

Fraudsters will be happy - steal (or find) someone's card, pop down to Tesco and buy £100 worth of goods before anyone has a chance to report it.
And keep using it until the card is declined!
Surely in restaurant you have time to use a proper card reader with a PIN - even with contactless you have to touch the card on the reader so there are the same risks! 
What was wrong with £45 as a limit.

I've never had to touch my card on a reader for a contactless transaction. It's called contactless because the card doesn't need to make contact with the reader. Not that I need or want this change, I'd rather use a more secure system for high value transactions, such as Google/Apple Pay.

Rich2808

masonic said:

Rich2808 said:

Fraudsters will be happy - steal (or find) someone's card, pop down to Tesco and buy £100 worth of goods before anyone has a chance to report it.
And keep using it until the card is declined!
Surely in restaurant you have time to use a proper card reader with a PIN - even with contactless you have to touch the card on the reader so there are the same risks! 
What was wrong with £45 as a limit.

I've never had to touch my card on a reader for a contactless transaction. It's called contactless because the card doesn't need to make contact with the reader. Not that I need or want this change, I'd rather use a more secure system for high value transactions, such as Google/Apple Pay.

In most cases holding the card in front of the reader works - but not all readers are that sensitive and require you to touch them and some never work at all so you need to insert the card and use a PIN.
Either way its supposed to be for quick transactions like buying a coffee or a small shop or a drink in a pub. Not a £100 meal or supermarket shop - it just exposes people to more fraud risk particularly as many people may not notice for hours if they have dropped or lost it or had it stolen until they make their next transaction by which time they could be out of pocket by several hundred quid in theory! Yes - it can be corrected once reported to your bank - but its a hassle!
For that reason I insist on a non contactless card for my main current account - and only use contactless with my credit card (so the immediate risk of going temporarily accidently overdrawn etc is avoided).
 

masonic

Rich2808 said:

masonic said:

Rich2808 said:

Fraudsters will be happy - steal (or find) someone's card, pop down to Tesco and buy £100 worth of goods before anyone has a chance to report it.
And keep using it until the card is declined!
Surely in restaurant you have time to use a proper card reader with a PIN - even with contactless you have to touch the card on the reader so there are the same risks! 
What was wrong with £45 as a limit.

I've never had to touch my card on a reader for a contactless transaction. It's called contactless because the card doesn't need to make contact with the reader. Not that I need or want this change, I'd rather use a more secure system for high value transactions, such as Google/Apple Pay.

In most cases holding the card in front of the reader works - but not all readers are that sensitive and require you to touch them and some never work at all so you need to insert the card and use a PIN.
Either way its supposed to be for quick transactions like buying a coffee or a small shop or a drink in a pub. Not a £100 meal or supermarket shop - it just exposes people to more fraud risk particularly as many people may not notice for hours if they have dropped or lost it or had it stolen until they make their next transaction by which time they could be out of pocket by several hundred quid in theory! Yes - it can be corrected once reported to your bank - but its a hassle!
For that reason I insist on a non contactless card for my main current account - and only use contactless with my credit card (so the immediate risk of going temporarily accidently overdrawn etc is avoided).

I agree with you on the fraud risk, but have never experienced the issues you mention of low sensitivity readers, and I don't think the existence of some flawed readers could be used as an argument that contactless carries the same hygiene risks as chip & PIN. I would prefer not to touch terminals if possible, not just because of Covid, but also because I know how poor some people's personal hygiene is. But I would be happier if all transactions above the earlier £30 limit were always 2-factor, whether that second factor is your card PIN, or biometrics/password on your phone/device. Perhaps easy for me to say, as the vast majority of >£30 transactions I make are cardholder not present.

[Deleted User]

PRAISETHESUN said:

Deleted User said:

There is little value for me to use Curve on an intermediate card that I can directly load onto GPay.
No S75 cover plus potential issues with chargeback and refunds.

Fairly sure you'll have similar troubles with S75 using GPay, but I agree that having: "Merchant --> GPay --> Curve --> CC" does seem a bit convoluted and has more steps that could go wrong if you needed to dispute anything.

No, you are incorrect.

GPay doesn't break the S75 link as it is provided by the card issuer directly.

Curve would as it is an immediate step much like Paypal.

Ballard

Having previously declared that I very rarely use Apple Pay, I did today. I tried out the Sainsbury's SmartShop app which meant that I didn't have to go to a till at all but the only option to pay (that I have) was using Apple Pay. I did feel a bit self conscious just picking the item up, scanning it, scanning an in-store code and leaving but I'll do it again. I assume that they must randomly ask people to check what they've paid for as there's very little to stop me pretending to use the app.