Chase contactless limit

400ixl

That is because you are authenticating before you use the card, so won't see it.

400ixl

k_man said:

400ixl said:

Daliah said:

If you want to avoid this "feature", use ApplePay / GooglePay.

As long as you don't use the ability to use the card without authenticating on the phone. Google Pay allows this, not sure on Apple Pay. Do it that way and the same rules apply.

Do you know where this is set in Google pay?

I shouldn't have mentioned it really as thinking about it as it could cause contusion. It is pretty unlikely you will ever hit this limit as it is designed for use with transit systems (Underground, buses etc) but you could in theory. It the skip unlock function which IIRC you have to turn off the show wallet option in the lock screen settings. Makes general use of Google Pay a pain though as you loose the quick link and lock screen launching.

To use transit mode you just press power to wake the phone, then tap the transit contactless terminal without the need to authenticate.

k_man

Found the Google Pay details/settings to allow you to use your phone without unlock (as for normal contactless):

https://support.google.com/pay/answer/7644132?hl=en-GB&co=GENIE.Platform=Android


Apple has similar, but only for supporting public transport systems:

https://support.apple.com/en-gb/HT212171


ETA: just wanted to know where the setting was, to make sure unlock is required on my phone 

VKE

I think the issue is about numerous contactless transactions within a timeframe; you will probably find that if you do a transaction payment using your PIN no it should then allow further contactless payments ~ pretty sure its a  security measure to protect the customers ££

anotheruser

400ixl said:

There is a limit imposed where the consecutive payments are made by contactless method which then requires you to use chip & pin to re-validate and reset the counter. It was £135 but not sure what it is not and it may even be a random amount. 

Actually, it's kept a secret by the banks.
Some will have X number of contactless transactions = pin reset.
Some will have X amount spent = pin reset.

Nobody seems to know what the limits really are, but happy to see a source for your £135 limit.

Migster

anotheruser said:

Actually, it's kept a secret by the banks.
Some will have X number of contactless transactions = pin reset.
Some will have X amount spent = pin reset.

Nobody seems to know what the limits really are, but happy to see a source for your £135 limit.

The actual regulatory limits are 5 in a row or a total of £300, though the issuers are free to operate lower limits if they choose to do so. 

Bigwheels1111

Not had that issue since went over to Google pay.

400ixl

Bigwheels1111 said:

Not had that issue since went over to Google pay.

Because the standard setup for Google Pay is that you authenticate yourself to use the card, so you never make unauthenticated contactless payments.

anotheruser

Migster said:

anotheruser said:

Actually, it's kept a secret by the banks.
Some will have X number of contactless transactions = pin reset.
Some will have X amount spent = pin reset.

Nobody seems to know what the limits really are, but happy to see a source for your £135 limit.

The actual regulatory limits are 5 in a row or a total of £300, though the issuers are free to operate lower limits if they choose to do so. 

Please post your sources for information if you're going to challenge someone's view...
Pretty sure I have done more than 5 contactless transactions in a row before.  I'll test after I put my pin in.

eskbanker

anotheruser said:

Migster said:

anotheruser said:

Actually, it's kept a secret by the banks.
Some will have X number of contactless transactions = pin reset.
Some will have X amount spent = pin reset.

Nobody seems to know what the limits really are, but happy to see a source for your £135 limit.

The actual regulatory limits are 5 in a row or a total of £300, though the issuers are free to operate lower limits if they choose to do so. 

Please post your sources for information if you're going to challenge someone's view...
Pretty sure I have done more than 5 contactless transactions in a row before.  I'll test after I put my pin in.

The limits were originally £130 or five contactless transactions before requiring PIN entry, but when the FCA was assessing the individual contactless transaction limit increase to £100, they noted that "We understand the industry has generally opted to apply the cumulative transaction value rather than transaction volume threshold" and left the volume metric unchanged while increasing the value one to £300, so you may indeed have used contactless more than five times in a row but only if the transactions didn't exceed £300, or any lower limit chosen by your individual issuer(s).

Original definition was in article 11 of EU SCA RTS (PSD2), 2017: https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32018R0389

2021 UK-specific revisions are in the annex at https://www.fca.org.uk/publication/policy/ps21-2.pdf

Article 11

Contactless payments at point of sale 

Payment service providers shall be allowed not to apply strong customer authentication, subject to compliance with the requirements laid down in Article 2, where the payer initiates a contactless electronic payment transaction provided that the following conditions are met: 

(a) the individual amount of the contactless electronic payment transaction does not exceed £45 100; and 

(b) the cumulative amount of previous contactless electronic payment transactions initiated by means of a payment instrument with a contactless functionality from the date of the last application of strong customer authentication does not exceed £130 300; or 

(c) the number of consecutive contactless electronic payment transactions initiated via the payment instrument offering a contactless functionality since the last application of strong customer authentication does not exceed five.