Contactless transaction limit on Chase debit card?

itm2

Does anyone know what the contactless payment limit is for debit cards on the Chase UK current account? I was under the impression that there was a general limit of £100 on contactless card transactions, but recently paid a restaurant bill of £127 using my Chase debit card and it was accepted without any issues.

flaneurs_lobster

It's £100 using the actual card, no limit for Google/Apple Wallet.

Just in case you are "special", you can check the limits for your account in the app under Profile, Limits.

DullGreyGuy

itm2 said:

Does anyone know what the contactless payment limit is for debit cards on the Chase UK current account? I was under the impression that there was a general limit of £100 on contactless card transactions, but recently paid a restaurant bill of £127 using my Chase debit card and it was accepted without any issues.

Contactless with the card or contactless with ApplePay/GooglePay etc?

The overarching limit is £100 for a single transaction without authentication in the UK, if you go abroad it can be higher. Mobile phone payments are typically authenticated, certainly with Apple every payment other than transport has to be authenticated. With authentication there is no overarching limit. 

Banks and merchants however can choose to set a lower limit and some banks allow customers to set a lower limit too.

Its not common in the UK but in principle you can also have tap and pin and so is authenticated so not restricted to the £100

itm2

Sorry I should have been clearer - I paid using the Chase card in my Google Wallet on the phone, so it seems that there is no theoretical limit?

friolento

itm2 said:

Sorry I should have been clearer - I paid using the Chase card in my Google Wallet on the phone, so it seems that there is no theoretical limit?

The limit will be the available balance in your account, or lower if the merchant has a lower limit

itm2

friolento said:

itm2 said:

Sorry I should have been clearer - I paid using the Chase card in my Google Wallet on the phone, so it seems that there is no theoretical limit?

The limit will be the available balance in your account, or lower if the merchant has a lower limit

I guess there is no way of telling what the merchant's limit is?

friolento

itm2 said:

friolento said:

itm2 said:

Sorry I should have been clearer - I paid using the Chase card in my Google Wallet on the phone, so it seems that there is no theoretical limit?

The limit will be the available balance in your account, or lower if the merchant has a lower limit

I guess there is no way of telling what the merchant's limit is?

You could ask the merchant but whoever takes your payment might not know

itm2

friolento said:

itm2 said:

friolento said:

itm2 said:

Sorry I should have been clearer - I paid using the Chase card in my Google Wallet on the phone, so it seems that there is no theoretical limit?

The limit will be the available balance in your account, or lower if the merchant has a lower limit

I guess there is no way of telling what the merchant's limit is?

You could ask the merchant but whoever takes your payment might not know

Actually I do remember asking Santander what my debit card payment limit was, and they told me that it was controlled by Visa, not Santander, and that they couldn't tell me. I remember thinking that was crazy.

EnPointe

itm2 said:

Sorry I should have been clearer - I paid using the Chase card in my Google Wallet on the phone, so it seems that there is no theoretical limit?

because you have verified yourself by  facial recognition , fingerprint  or Device pin  same as if you had  put a physical card into the card machine  and put your banking PIN  in 

aside from the transport  transactions mentioned by another comment  device payments require  verification on the device  be that  facial / fingerprint / device PIN

I've tapped to pay  with my  phone  on sums of a several hundred pounds  - even a big  supermarket shop can be  closer to 200.. 

the 100 gbp limit  ( used to be 30)  on  tap and go  aside from transport  and the  number of  contactless  card payments before demanding  a  PIN   are  there as safeguards for the  misuse of 'lost'  or 'borrowed' cards 

Rob5342

itm2 said:

Sorry I should have been clearer - I paid using the Chase card in my Google Wallet on the phone, so it seems that there is no theoretical limit?

Not as far as I know, I spent £2500 in a bed shop with Google pay and it worked fine. 

sausage_time

Rob5342 said:

itm2 said:

Sorry I should have been clearer - I paid using the Chase card in my Google Wallet on the phone, so it seems that there is no theoretical limit?

Not as far as I know, I spent £2500 in a bed shop with Google pay and it worked fine. 

My personal contactless payment record is £2762 (Amex).  Used Google Wallet with fingerprint to verify.

Anyone beat that?   :-)