Contactless limit to rise to £100.

bob_a_builder

I've recently started using Google pay on my phone ( Halifax Visa debit card) and am getting transactions above £45 declined

Just phoned Halifax internet banking people and was told that the Google pay limit is £45 ( perhaps specific to Halifax ?) - going to 100 in Oct and the Apple limit is already   £200+

After I got off that call found this thread and see earlier images indicating Google pay limit should be higher

Any other Halifax customers have the same issue ?

p.s. Think it s a good idea if you could set your own chosen limit below banks max if you wish

EDIT :
Halifax seem a bit confused about it themselves 
" Some retailers will also limit individual payments to £45."

"For in store payments under £45, simply wake your device and hold it near the contactless reader"  
But no mention what to do if above £45

https://www.halifax.co.uk/helpcentre/google-pay.html

[Deleted User]

Zanderman said:

Deleted User said:

Sea_Shell said:

Daliah said:

Excellent move by Lloyds Banking Group.- their customers will be able to set a lower than £100 contactless limit. Surely the rest of card providers will have to follow suit.


https://www.finextra.com/newsarticle/38896/lloyds-gives-users-control-over-contactless-limits-amid-fraud-fears

That's good news.   However, it's a shame that they won't give customers complete control, in that you can only reduce the limit down to £30.   I'm sure they'll be some customers who'd rather have the option to reduce it right down to £5 or £10, rather than switch it off altogether.


"Lloyds says it is responding to customer concerns by introducing new card controls in its mobile app, which will enable users to move the limits in £5 increments of between £30 and £95. Customers will also be given the option to switch off contactless functionality all together, opting for PIN entry at the checkout instead."

Not such an issue for Google Pay users of LBG brands as they limit GPay transactions to £45

At the moment they do. But that's merely keeping in line with the current physical card limit. 

They'll, I assume, raise that to 100 when the card limit goes up.   

I'll assume that this is an actual LBG policy decision.

They are only FS grouping that is singled out on the UK Google list noted above.

NameWithheld

bob_a_builder said:

I've recently started using Google pay on my phone ( Halifax Visa debit card) and am getting transactions above £45 declined

Just phoned Halifax internet banking people and was told that the Google pay limit is £45 ( perhaps specific to Halifax ?) - going to 100 in Oct and the Apple limit is already   £200+

After I got off that call found this thread and see earlier images indicating Google pay limit should be higher

Any other Halifax customers have the same issue ?

p.s. Think it s a good idea if you could set your own chosen limit below banks max if you wish

EDIT :
Halifax seem a bit confused about it themselves 
" Some retailers will also limit individual payments to £45."

"For in store payments under £45, simply wake your device and hold it near the contactless reader"  
But no mention what to do if above £45

https://www.halifax.co.uk/helpcentre/google-pay.html

I have had payments over £45 accepted wirh my Halifax credit card with G Pay. The most recent being £47 35. But I did have one for £330 declined

xlnc99

i dont see the big deal with a £100 limit

If fraud happens you get money back from the bank so you are protected. Yes its a hassle and you need to change card call bank etc but its only IF you get scammed

Zanderman

xlnc99 said:

i dont see the big deal with a £100 limit

If fraud happens you get money back from the bank so you are protected. Yes its a hassle and you need to change card call bank etc but its only IF you get scammed

The 'hassle' is, surely, the main issue.  The old £30 limit, or the current £45 limit, means that your account can only be debited in chunks up to that size. A £100 limit ups the stakes, a lot.

It's not about 'scams', it's about good old-fashioned simple card theft and cleaning out of accounts before the theft is discovered/reported.  

Yes, you should get it back, assuming you report a card loss promptly etc. But unless you have a large balance, and/or multiple accounts, several up to £100 transactions could really mess you up.  Possibly only temporarily, but, for those who live by their pay packet with no spare cash, a card theft could result in a fairly stressful situation. 

twiglet98

I work in a supermarket and it's amazing how many customers forget to take their card out of the card reader.  If it's at a manned till, the cashier will see a prompt on the screen to 'remove card' but at the self-checkouts the customer is often distracted, in a rush, using their phone, not waiting to see the final messages on the screen, and will walk off without their card.  If the assistant watching the self-checkout doesn't notice in time, another customer can easily take the card before anyone realises what's happened.  It's not just theft from bags and pockets. 

eskbanker

twiglet98 said:

I work in a supermarket and it's amazing how many customers forget to take their card out of the card reader.  If it's at a manned till, the cashier will see a prompt on the screen to 'remove card' but at the self-checkouts the customer is often distracted, in a rush, using their phone, not waiting to see the final messages on the screen, and will walk off without their card.  If the assistant watching the self-checkout doesn't notice in time, another customer can easily take the card before anyone realises what's happened.  It's not just theft from bags and pockets. 

But what does that have to do with contactless payments (the subject of this thread), where the customer won't (or at least shouldn't) let go of the card?

Daliah

eskbanker said:

But what does that have to do with contactless payments (the subject of this thread), where the customer won't (or at least shouldn't) let go of the card?

It‘s just another way how somebody else could potentially get hold of your card, and then go on a contactless spending spree with it.

Fraudulent use of cards is the main concern people have in this thread

molerat

Deleted User said:

Zanderman said:

Deleted User said:

Not such an issue for Google Pay users of LBG brands as they limit GPay transactions to £45

At the moment they do. But that's merely keeping in line with the current physical card limit. 

They'll, I assume, raise that to 100 when the card limit goes up.   

I'll assume that this is an actual LBG policy decision.

They are only FS grouping that is singled out on the UK Google list noted above.

I have made several GPay transactions over £45 with both my Lloyds & MBNA credit cards.

RG2015

twiglet98 said:

I work in a supermarket and it's amazing how many customers forget to take their card out of the card reader.  If it's at a manned till, the cashier will see a prompt on the screen to 'remove card' but at the self-checkouts the customer is often distracted, in a rush, using their phone, not waiting to see the final messages on the screen, and will walk off without their card.  If the assistant watching the self-checkout doesn't notice in time, another customer can easily take the card before anyone realises what's happened.  It's not just theft from bags and pockets. 

Yes, it is easily done, perhaps the result of advancing years syndrome. I once noticed my card was missing and I was almost certain that I had left it in the reader at a shop, but still cancelled it to be on the safe side. When I was next in the shop I did get the card back, so I knew it had not been stolen from the reader.

I also once ended up at a self service till having forgotten my wallet. I phoned home to make sure that it was there and then signed up to Google pay whilst at the checkout. Took about five minutes and I was able to pay for my shopping.

Now I can pay unlimited amounts without my card.

The downside is that on the rare occasions I need the PIN, I have to really think what it is. Previously, when using it regularly, I always remembered the PIN.