Contactless cards

SteveL

What I quite like is Apple Pay. I have recently bought a phone that is advanced enough to do it, the old one would not. It's great when we go out walking from home, when I don't take the cards. If we come back past the Coop, which takes it, we are able to pop in for a bit of shopping. You just hold the phone against the reader with the app open and press the fingerprint reader. It shows on the phone screen how much you are spending and this is recorded in the app history. The money just comes off the MasterCard in the normal way. I believe Android also have a version.

Kennine

Contactless cards -- Not for me.  I have had my banks replace any contactless cards with the more secure chip and pin variety.

K

SteveL

Contactless cards -- Not for me.  I have had my banks replace any contactless cards with the more secure chip and pin variety.

K

Just the opposite for me, I like the security of not having to enter my pin in crowded shops, stations etc.

IanH

Everything you want to know about contactless security is here. 

Nothing on there gives me any confidence.

Incidently, the UK Cards Association represents banks........who as I said, are keen to move responsibility for fake transactions onto card users and away from banks.

No, if you read through the details banks are keen to protect customers and of course they are the card providers and
obviously want to help customers use cards safely.

My bank, this morning, now has some extra safety advice regarding sim swaps and mobile banking apps. I think we all have to remain alert if we want easy to use up to date technology.

Well I agree that they say that......and that's about as far as it goes.

Various recent banking scandals have shown just how much they really want to protect their customers and members of the public in general.

 

IanH

is it true that you should be asked, or say you want to, if you wish to use contactless cards? 

I've always been asked......and always say No.

SteveL

I have been asked but generally prempt by saying you can use contactless if you are able. The only ones I don't use it with, are the few who don't want to print a card receipt because its contactless. Just takes them longer because I then use chip and pin.

brue

For small purchases contactless is easy and fast, I'm happy to use it. The card saves fumbling around putting in pin numbers which sometimes have to be cancelled and re-done....while a queue forms!

Malcolm Mehta

I have contactless debit as well as credit card and use it all the time when the total bill is below £30. I also use it for business i.e. to pay Macdonalds and KFC for customer orders. When dinner2go do the paperwork, I get re-imbursed through my bank account plus delivery fees earned. So I'm always in a position to repay the card company. 

Dinner2go used to do all the payments in cash but that has recently changed. I now send the receipts and total payment details to them and they settle what they owe me through the banking system. This saves the boss time and it saves us time too.

 

IanH

Time saving? We are talking 5 to 10 seconds here! Just how busy are you that you cannot spare that?

You probably spent many minutes waiting in the queue anyway......

Malcolm Mehta

For small purchases contactless is easy and fast, I'm happy to use it. The card saves fumbling around putting in pin numbers which sometimes have to be cancelled and re-done....while a queue forms!

Write your comments here...I agree, Brue. I also find it much quicker and easier and when processing customer orders, the saving in time increases my earnings because I can do more orders and earn more in delivery fees. For me this is a win, win situation!

moulesy

One of my new credit cards is contactless, but I haven't taken advantage of it yet. Not that I'm concerned about the security side of things (I think it's probably a bit safer than entering your PIN whilst whoever's serving you pretends to look away!)IAlso,
I don't tend to use my credit card for small amounts; I use the debit card and that's not contactless. I can't see that there's any great time saving either. Each to their own! 

Metheven

As mentioned by me and others before, there is great time saving and cost saving when using contactless on London's underground. Circumstances will vary as to their benefit but certainly glad of it two weeks ago in London.

moulesy

Yes, Dave, my memories of using the London Underground are a bit hazy to say the least but I can see that you'd save time there. For regular users though, would there be any time/cost saving over having an Oyster card? Have to admit, I haven't got a flue
how that system works though! 

Metheven

Yes, Dave, my memories of using the London Underground are a bit hazy to say the least but I can see that you'd save time there. For regular users though, would there be any time/cost saving over having an Oyster card? Have to admit, I haven't got a flue how that system works though! 

Exactly the same time saving 'M' as an Oyster card and shared the same 'touch' point, but I don't know if regulars get a better deal on their cards, but we saved £1.60 I believe on a ticket price and paid the same as an Oyster user for our irregular visit.

Glad of the speed as we seemed to be the only ones not knowing where we were going, and 200 impatient people behind us seemed too

Pippah45

I wonder how many of us remember when the cheque card only guaranteed a cheque to £30?  That seems a lifetime ago

SteveL

Yes, Dave, my memories of using the London Underground are a bit hazy to say the least but I can see that you'd save time there. For regular users though, would there be any time/cost saving over having an Oyster card? Have to admit, I haven't got a flue
how that system works though! 

Exactly the same time saving 'M' as an Oyster card and shared the same 'touch' point, but I don't know if regulars get a better deal on their cards, but we saved £1.60 I believe on a ticket price and paid the same as an Oyster user for our irregular visit.

Glad of the speed as we seemed to be the only ones not knowing where we were going, and 200 impatient people behind us seemed too

I think the full Oyster Card account, which you might have if you lived in London gets a bit of a discount. However, if you live outside London you can only have a pay and go one, which you charge up. It works out exactly the same price as your contactless
card. However, I preferred it as it saved getting the credit card out on very busy stations. It only had £30 max on it, so if lost or stolen, would not have been a major  issue.

ABM

I. 

Dinner2go used to do all the payments in cash but that has recently changed. I now send the receipts and total payment details to them and they settle what they owe me through the banking system. This saves the boss time and it saves us time too.

 

Malcolm, Surely  It  also  protects  YOU  !!

It  means  that  you  are  not  carrying  sums  of  money  on  your  deliveries,  just  bits  of  paper  with  numbers  on  'em.

I  certainly  would  not  want  to  be  doing  late  nite  deliveries  carrying  cash  !

Malcolm Mehta

I. 

Dinner2go used to do all the payments in cash but that has recently changed. I now send the receipts and total payment details to them and they settle what they owe me through the banking system. This saves the boss time and it saves us time too.

 

Malcolm, Surely  It  also  protects  YOU  !!

It  means  that  you  are  not  carrying  sums  of  money  on  your  deliveries,  just  bits  of  paper  with  numbers  on  'em.

I  certainly  would  not  want  to  be  doing  late  nite  deliveries  carrying  cash  !

Write your comments here...That's right!

MichaelT

Contactless cards -- Not for me.  I have had my banks replace any contactless cards with the more secure chip and pin variety.

K

Write your comments here...even if they are contactless they still do chip and pin!!!!!!!!

MichaelT

At least with contactless you do not run the risk of someone looking over your shulder when you  enter the PIN.

Also it forces you online to enter teh PIN aftr so many contactless payments and the limit is £30, I find it much better and convenient, faster than paying cash.

Malcolm Mehta

At least with contactless you do not run the risk of someone looking over your shulder when you  enter the PIN.

Also it forces you online to enter teh PIN aftr so many contactless payments and the limit is £30, I find it much better and convenient, faster than paying cash.

Write your comments here...That's right. If you do more than one contactless payment within one hour it will ask you to enter your pin even if the transaction is less than £30 before accepting any further contactless payments. This protects you should your card get lost or stolen.

SteveL

I think mine are more random than that Malc. I have definitely used it within an hour 3 times and then it asked for a pin. Other times I have used it once and then the next day it asks for a pin. It probably depends on the amount. If you tried it close together for amounts close to £30 that could cause it to ask.

brue

I would imagine unusual spending patterns are also part of security. Mine must be very boring, haven't been asked for a pin with contactless yet. 

TheTakman

Another thing to mention about Contactless is that the bank will refund any unauthorised payments made on the card if you simply ring them and tell them.

If you use your pin everytime and then someone watches you and takes your card then uses the pin to make purchases. You will wish you had used Contactless when you see how difficult to is to refund a pin authorised transaction.

Plus if your card has Contactless on it already it's silly to use the pin because your just exposing it unnecessarily!. 

But what I like most is Android Pay. it can be used on any Contactless machine for any amount and my phone is fingerprint secured for purchases over £30. 

jennyc

Yes, Dave, my memories of using the London Underground are a bit hazy to say the least but I can see that you'd save time there. For regular users though, would there be any time/cost saving over having an Oyster card? Have to admit, I haven't got a flue
how that system works though! 

Exactly the same time saving 'M' as an Oyster card and shared the same 'touch' point, but I don't know if regulars get a better deal on their cards, but we saved £1.60 I believe on a ticket price and paid the same as an Oyster user for our irregular visit.

Glad of the speed as we seemed to be the only ones not knowing where we were going, and 200 impatient people behind us seemed too

I think the full Oyster Card account, which you might have if you lived in London gets a bit of a discount. However, if you live outside London you can only have a pay and go one, which you charge up. It works out exactly the same price as your contactless
card. However, I preferred it as it saved getting the credit card out on very busy stations. It only had £30 max on it, so if lost or stolen, would not have been a major  issue.

Write your comments here...

I'm not sure where you are getting your information from but I have a full facility Oyster card an I live in Suffolk. Apart from its speed of use, a huge benefit of an Oyster card account is that it only charges you for the cheapest travel package after
you have completed your days jourrneys. I'm not sure whether contactless does that, I'll need to check. Certainly you can top up your Oyster card on line and you can set your account to auto top up when your credit runs low.

jennyc

There has been talk of charges for using contactless here, we most certainly have never been charged for using ours, in fact TSB credits us with a small sum for using the service, so there's an incentive to use contactless.