Contactless limit to rise to £100.

Sensory

mellyflewus said:

Daliah said:

If you are worried about your data being known by "bid data", you need to completely withdraw from anything "card", including any loyalty cards, as well as anything "bank" and anything "phone". I am sure you will agree this is not practical.

Paying by phone only involves touching your phone. No physical contact with a card reader is required (as would be if you made a non-contactless payment with your card). Holding the phone in close proximity to the reader is perfectly sufficient. Hovering, as you call it, is easier with a phone as you are not limited by the contactless limit. Of course this may not matter to you if you never spend more than the contactless limit. You'd still benefit from not having to carry any card.

by big data i mean data sharing between data suckers.

i silo and compartmentalise the data that i give to data suckers as much as i can.

that is because my concern isn't about giving data it's about data being lost to breaches or used illegally.

therefore my phone, computer operating system, banking etc are with separate entities.

that sort of compartmentalisation is useless if i willingly give them cross-referencable data.

i've understood that phone payment systems have a higher limit than bank cards but how is the data transferred from the phone to the reader?

isn't it the same nearfield communication as used by bank cards and travel passes?

when i use my bank card sometimes i have to touch it onto the reader and sometimes i can hover a centimetre or two away - that is what i mean by hover.

if i used my phone to pay would i sometimes have to touch it directly to the reader, always touch it to the reader like with my travel pass or never touch it to the reader?

The fact that you even had to ask these questions demonstrates your lack of understanding of how these technologies work, and are therefore incapable of understanding their benefits.

Apple Pay only stores your card details in encrypted form and that data never leaves your phone (it’s not sent anywhere). A tokenised version of your details (which is tied to your device) is shared to facilitate payments, and these details only work with Apple Pay, from that same device, and only when you authenticate (unless disabled for Express Transit). Furthermore, you never have to touch your phone to any reader; I’ve made thousands of payments this way.

Your objections to phone payments are unfounded. By using actual cards for payments, you are sharing real card details with merchants, and if those merchants/processors have a breach (or malicious employees), your actual card is vulnerable, not to mention petty theft and scams. I assume you never use cards to pay for anything online then? If it’s an option, Apple Pay is far more secure than entering card details and billing addresses.

TheMightySwordfish

🤔 

https://www.bbc.com/news/technology-58719891

Sensory

TheMightySwordfish said:

🤔 

https://www.bbc.com/news/technology-58719891

Visa Apple Pay only with Express Transit enabled, conducted in a lab test setting. The chances of fraud occurring via contactless plastic are much higher.

northwalesd

xlnc99 said:

So i tried using my google pay at asda on my phone. It came to 95 pound and it was declined. Used the card and chip and pin no problem

Went back to asda and bought a sandwich and used it for 5 pound, no problem

so it seems there is a limit on how much you can use your phone for payments

I've used Google pay in Asda for several transactions higher than that (highest £98.43) with no issue.

xlnc99

northwalesd said:

xlnc99 said:

So i tried using my google pay at asda on my phone. It came to 95 pound and it was declined. Used the card and chip and pin no problem

Went back to asda and bought a sandwich and used it for 5 pound, no problem

so it seems there is a limit on how much you can use your phone for payments

I've used Google pay in Asda for several transactions higher than that (highest £98.43) with no issue.

what bank/card was that with?

northwalesd

xlnc99 said:

northwalesd said:

xlnc99 said:

So i tried using my google pay at asda on my phone. It came to 95 pound and it was declined. Used the card and chip and pin no problem

Went back to asda and bought a sandwich and used it for 5 pound, no problem

so it seems there is a limit on how much you can use your phone for payments

I've used Google pay in Asda for several transactions higher than that (highest £98.43) with no issue.

what bank/card was that with?

Lloyds (cashback) credit card.

xlnc99

intresting... i tried it with halifax debit card and it rejected.

maybe credit cards dont have a limit like debit cards

NameWithheld

Daliah said:

In addition,

• if you lose your phone, nobody can make any payments from your account
• all you have to carry is your phone, which you'd do for plenty of other purposes, too (tickets, diary, phone calls, messages, directions, reminders, step counter, shopping list, camera, alarm etc etc etc). No need to carry a card.
• banks don't need to waste money and resources on producing and administering cards

I don't know about Apple Pay, but with Google Pay someone can make payments from your account up to the contactless limit without unlocking the phone. You can't turn this feature off in Google Pay. I've thought of a way round this, which I think should work though I've never tried it. It would be a bit of a hassle.

- Select a  default card on Google Pay.
- Freeze payments this card on the bank's app.
- When you want to buy something, unlock the phone, open Google Pay and then choose an alternate card.

As for not having to carry any cards. I use a physical card for pay-at-pump petrol, where I don't think you can pay by phone because you aren't supposed to use a phone on a petrol forecourt.. At least one petrol station near me has no other payment methods other than pay at pump.

General_Grant

NameWithheld said:

Daliah said:

In addition,

• if you lose your phone, nobody can make any payments from your account
• all you have to carry is your phone, which you'd do for plenty of other purposes, too (tickets, diary, phone calls, messages, directions, reminders, step counter, shopping list, camera, alarm etc etc etc). No need to carry a card.
• banks don't need to waste money and resources on producing and administering cards

I don't know about Apple Pay, but with Google Pay someone can make payments from your account up to the contactless limit without unlocking the phone. You can't turn this feature off in Google Pay. I've thought of a way round this, which I think should work though I've never tried it. It would be a bit of a hassle.

- Select a  default card on Google Pay.
- Freeze payments this card on the bank's app.
- When you want to buy something, unlock the phone, open Google Pay and then choose an alternate card.

As for not having to carry any cards. I use a physical card for pay-at-pump petrol, where I don't think you can pay by phone because you aren't supposed to use a phone on a petrol forecourt.. At least one petrol station near me has no other payment methods other than pay at pump.

An old myth about causing ignition - though some notices may still be displayed.

NameWithheld

True, but all pay at pump terminals I've used ask you to insert a card. So I don't think you can actually use a phone to pay anyway