Contactless limit to rise to £100.

SebH

I can see how that might have happened.

In order for the payment to be processed, the contactless card and reader have to stay “in communication” for a certain period of time. That doesn’t preclude a hover per se, as a payment technique, but if you move your hand in a “swish” motion too quickly it may cause issues if you move the card out of range before the transaction is complete.

An incomplete contactless transaction of this type is known as a “torn transaction” in the card industry.

masonic

SebH said:

I can see how that might have happened.

In order for the payment to be processed, the contactless card and reader have to stay “in communication” for a certain period of time. That doesn’t preclude a hover per se, as a payment technique, but if you move your hand in a “swish” motion too quickly it may cause issues if you move the card out of range before the transaction is complete.

An incomplete contactless transaction of this type is known as a “torn transaction” in the card industry.

I've had this happen when using Google Pay in Asda where it seems to take for ever to complete such transactions. The transaction showed as successful on screen in GPay, so I removed my phone, only to have the POS terminal spit its dummy out, leaving me to have to go into the app and refresh it to make absolutely sure payment wasn't taken before repeating the process and this time holding it for a good 20 seconds to make absolutely sure. Never had this problem anywhere else for GPay, and never had such a problem when using a contactless card at Asda. Maybe it's my age, but in that situation it's effort not to rest my phone on the terminal.

IvanDP

Re: tapping/hovering, I find that some cards work better than others at a distance.
Never knowing if I have the card close enough to the terminal, I just find it easier to go with the "tap" method.

[Deleted User]

jbuchanangb said:

I have just tried again to activate my Barclaycard in GooglePay to be told that this card is not available for use in stores. If GooglePay can't handle Barclaycard what hope is there for it? So I will stick with plastic.

That is a Barclays issue; not GPay - they want you to use their flaky banking app.

colsten

Deleted User said:

jbuchanangb said:

I have just tried again to activate my Barclaycard in GooglePay to be told that this card is not available for use in stores. If GooglePay can't handle Barclaycard what hope is there for it? So I will stick with plastic.

That is a Barclays issue; not GPay - they want you to use their flaky banking app.

@jbuchanangb, can you get round that issue with https://www.curve.com/?

gsmh

colsten said:

@jbuchanangb, can you get round that issue with https://www.curve.com/?

I already suggested this option 24 posts ago!

username

If we're going to split hairs, contactless vs contact payment refers not to the tapping/hovering of the device but the actual method for which the card interaction is made.

Contact payment is chip (as in the chip makes physical contact with the contacts in the reader) whereas contactless is simply no chip contact (hence the name).

Irrespective of how you present the device to the reader, by tapping, hovering it over, doing a magical spell etc you are still making a contactless payment because the chip does not make physical contact with the contacts in the chip reader and read the data via that method.

The reason probably why it has been marketed as being 'tap and go' is because people are au fait with tapping a card onto a reader to enable something to be done, i.e. opening an door at the office with the work ID card or riding the underground and using the Oyster card.

Plus, by having some form of light physical contact ensures that there is enough time for the reader to get a suitable read of the data it requires in order to be able to do its functions in a reliable manner.

Even TFL advises the cards 'touched in' implying there is some form of contact between device and reader.

I can understand "because covid" people are a bit tetchy when it comes to touching surfaces, however, the risk is pretty low, unless of course you prefer Mastercard for breakfast (!).

dazzaofdagenham

I think the £100 should now be the upper limit and anything above should be chip and pin.

in relation to fraud…is this a big issue with cards and contactless payments at the moment ?

SebH

username said:

If we're going to split hairs, contactless vs contact payment refers not to the tapping/hovering of the device but the actual method for which the card interaction is made.

Contact payment is chip (as in the chip makes physical contact with the contacts in the reader) whereas contactless is simply no chip contact (hence the name).

Irrespective of how you present the device to the reader, by tapping, hovering it over, doing a magical spell etc you are still making a contactless payment because the chip does not make physical contact with the contacts in the chip reader and read the data via that method.

The reason probably why it has been marketed as being 'tap and go' is because people are au fait with tapping a card onto a reader to enable something to be done, i.e. opening an door at the office with the work ID card or riding the underground and using the Oyster card.

Plus, by having some form of light physical contact ensures that there is enough time for the reader to get a suitable read of the data it requires in order to be able to do its functions in a reliable manner.

Even TFL advises the cards 'touched in' implying there is some form of contact between device and reader.

I can understand "because covid" people are a bit tetchy when it comes to touching surfaces, however, the risk is pretty low, unless of course you prefer Mastercard for breakfast (!).

All of this is absolutely true, and I agree with you on the risk being low even if you do touch the card reader or pay with Chip and PIN.

That said, it is possible to pay without any physical contact via the “hover” method, especially with a smartphone (where the limit usually doesn’t apply and the contactless NFC antenna is usually stronger than a card). Given that this slightly reduces the risk, as long as you wipe down your phone after you get home, it seems sensible to me to do.

It’s not a huge imposition to pay that way if possible, and it helps (potentially) break chains of transmission.

It also helps other people as, if they do need to use the card reader, not so many people will have touched it.

xlnc99

Is there a limit on how much you can spend on google pay with your phone?
One issue i have with google/apple pay is not every shop still uses. I belive some major retailers like tesco dont use them and some of the little shops dont either