Contactless limit to rise to £100.

Daliah

NameWithheld said:

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

I haven't yet found a petrol station which allows contactless at the pump. Whilst it would be nice if this was available, it isn't an issue for me as I just pay at the cashier, with my phone, and contactless. Usually I get my petrol at Tesco, and pay with Tesco Pay+, so I get Clubcard points without having to use the actual Clubcard.

Daliah

NameWithheld said:

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. 

It's also possible with ApplePay but this function can easily be disabled in Settings. IIRC, it is disabled by default.

mellyflewus

Sensory said:

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.

the fact is i asked no questions in the original post and was engaging with the other poster out of politeness.

but you are just rude so i'll tell you upfront that i neither need nor want any' help' from you; especially when you've missed the point.

Sensory

mellyflewus said:

Sensory said:

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.

the fact is i asked no questions in the original post and was engaging with the other poster out of politeness.

but you are just rude so i'll tell you upfront that i neither need nor want any' help' from you; especially when you've missed the point.

You are of course free to do as please based on your understanding of matters, but you chose to post and explain two specific reasons behind your objections to phone wallets, and asked further questions in the process. You don’t have to like the facts presented in response or the manner in which they’re presented (bluntly), but it doesn’t make them any less true; any perceived help is secondary to clarification.

mellyflewus

Sensory said:

mellyflewus said:

Sensory said:

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.

the fact is i asked no questions in the original post and was engaging with the other poster out of politeness.

but you are just rude so i'll tell you upfront that i neither need nor want any' help' from you; especially when you've missed the point.

You are of course free to do as please based on your understanding of matters, but you chose to post and explain two specific reasons behind your objections to phone wallets, and asked further questions in the process. You don’t have to like the facts presented in response or then manner in which they’re presented (bluntly), but it doesn’t make them any less true; any perceived help is secondary to clarification.

yes two facts yet you and the other poster picked up on one and ranted on and on and were both rude.

edited to add you  insulted me by typing that i was incapable of understanding and the other poster thanked you for the post where you wrote that; thereby showing that they agreed with your rudeness.

if you don't know what your words mean don't use them - you weren't blunt you were rude and to add insult to injury you missed the point; and it seems like you still don't get it.

it's unneccesary to provide unsoilicited advice in a rude fashion when there are so many people on this board actually looking for help and getting no assistance.

i don't mind the concise-to-the-point of-being-abrupt advice being given by many old timers with thousands of posts but outright rudeness is unacceptable.

mellyflewus

Sensory said:

mellyflewus said:

Sensory said:

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.

the fact is i asked no questions in the original post and was engaging with the other poster out of politeness.

but you are just rude so i'll tell you upfront that i neither need nor want any' help' from you; especially when you've missed the point.

You are of course free to do as please based on your understanding of matters, but you chose to post and explain two specific reasons behind your objections to phone wallets, and asked further questions in the process. You don’t have to like the facts presented in response or the manner in which they’re presented (bluntly), but it doesn’t make them any less true; any perceived help is secondary to clarification.

and you're still being rude by adding the clause 'according to your understanding of matters'.

pure rudeness and yet the other poster doesn't know what big data means yet i didn't taunt them about it i tried to explain it terms that they could understand.

which they still don't't and neither do you.

and that's why you shouldn't have responded to any of my statements.

and not just because they were statements not questions or pleas for advice.

mellyflewus

Sensory said:

mellyflewus said:

Sensory said:

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.

the fact is i asked no questions in the original post and was engaging with the other poster out of politeness.

but you are just rude so i'll tell you upfront that i neither need nor want any' help' from you; especially when you've missed the point.

You are of course free to do as please based on your understanding of matters, but you chose to post and explain two specific reasons behind your objections to phone wallets, and asked further questions in the process. You don’t have to like the facts presented in response or the manner in which they’re presented (bluntly), but it doesn’t make them any less true; any perceived help is secondary to clarification.

and i only asked questions in response to the first poster's wrong headed misunderstanding and presumption that i'm a numpty.

the only thing that person told me that i didn't know was about the sensitivity of the phone's transmitter.

i will continue to reply to you but i may not read your insults before i do.

Sensory

mellyflewus said:

...that's why you shouldn't have responded to any of my statements.

and not just because they were statements not questions or pleas for advice.

You posted questions on a public forum; this is a fact. You have no authority to dictate the responses you wish to receive. Do you feel so offended to the extent of posting three consecutive responses without actually furthering your point regarding big data? Clarify your understanding of 'data sharing between data suckers' as it relates to phone wallets, otherwise you're simply throwing a tantrum.

Malkytheheed

Eco_Miser said:

colsten said:

I have no need for cash

None at all? I've used cash three times in the last fortnight, where card was not an option.
Just a few pounds, card charges would probably have been disproportionate.

Genuinely haven't used cash in probably 5 years now. Not once. 

MoneySavingTart

I have several cards that offer contactless payments. Some are credit cards, some are debit cards.
With regards to the increase in the transaction limit to £100 per transaction is there any greater fraud protection on credit cards compared to debit cards. ie does S75 come into play at all for fraud protection.
Currently none of my card providers are offering a reduced transaction limit only the option to switch off contactless.
Thanks