Contactless cards
In morrisons this morning heard a cashier telling a customer that you have to pay £1 for the privilege of being able to use a Contactless card to pay for your shopping. Who gets the £1 fee, morrisons or the card company. Banks don't want you using cash to pay for your shopping because they make nothing out of it.,thats why they are making their cards Contactless because when you use it they get a fee from the trader. If people are paying a £1 then they have got to much spare money. Any thoughts anyone
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On our September trip away we were asked at each CC site if we wanted to use our cards contactless or C&P. No mention of a fee was made.
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Cashier is talking nonsense. I frequently use contactless, the bill is the same however you pay.
Any supermarket trying to charge shoppers extra to use a card of any type would be shooting itself in the foot.
Often, shops have to pay the bank more to handle cash than they pay to the debit/credit card companies, especially now the charges have been capped.
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Don't know whether it was a debit/credit card or if it is every where or just morrisons
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Don't know whether it was a debit/credit card or if it is every where or just morrisons
Certainly not everywhere, and certainly not Morrisons! Just been there today for some odds and ends.
As Dave says, a few small shops do have a minimum spend for cards, for example at our chemist they have a £10 minimum.
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Could the cashier perhaps have been explaining that it costs Morrisons £1 each time a contactless card is used? Just a guess.
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Agree, supermarkets don't charge extra for contactless cards, whether credit or debit cards.
Personally, I have resisted using contactless, because I believe there are security issues with this system.
As with 'chip and pin' these changes are all about moving the risk and responsibility away from the banks and onto customers.
If a correct pin number has been used to make a payment, it is virtually impossible to claim that you didn't make that payment. The bank will say that you must have revealed your pin number to someone.
When a signature was required, you could present an argument that it wasn't your signature.
With contactless, there is even less means available to dispute a transaction. And even more risk that a transaction was down to fraud.
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Forgot to add.......notice how, when you go to the bank to withdraw cash (either at the counter or at a hole in the wall) there is no contactless option.
Could it be that the banks are a little more cautious when their own cash is being handed over......
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I think the OP sounds a bit like the myth I heard about the self service petrol pumps - I heard a gentleman assuring everyone that it was more expensive to use your card at the pump than to the cashier! I think he claimed there was a £1 levy for using the
pump! Load of cobblers of course.I can see that contactless is dodgy if you loose your card but is there really a risk to the point when I should return both my cards and get the contactless bit removed? And they can be photographed with a special app so don't put them on open view.
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The contactless card is a real winner. You can use it on the London Underground instead of the Oyster Card and very soon on buses to pay for your ticket. It will speed up entry etc. Buses lose a considerable amount of time on their route just waiting for
customers to pay for their ticket. Now just a quick presentation of your contactless card and your away. Coming to a bus service near you!TF
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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.
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is it true that you should be asked, or say you want to, if you wish to use contactless cards?
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No, it is up to you.
At our Lidl store if the bill is less than £30 they suggest/ask "is your card contactless?"..........could it be that contactless costs them less?
Our cards do up to £30 contactless, so most times I can use contactless, it is easy and quick.
OH is more cautious, plus her old card is not contactless, so she still does chip and pin.
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I was told that the store sets the limit I am pretty sure one shop had £50 upper while my Lidl is £30. I think it's the speed of them that is attractive, although I wouldn't want to use so often that I forget my PIN!
I must say I like them but worry a little about fraud. There was a good bit by Gloria Hunniford about people getting card details on camera (mobile phone). Roll on voice recognition PIN which can apparently tell identical twins apart. 0 -
Pippa, the banks have set the £30 limit. You will find occasionally that you can't use contactless, this is fraud prevention on a random basis and you will have to use your pin. The banks are checking that you are the actual card owner.
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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.
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This thread reminded me that I should try one of my credit cards which has the contactless option, so I used it twice today. I am puzzled how there could be a mistake as the cashier has to get to a certain point before the reader is ready to accept the card. When ready and you place your card on the reader you can see the progress of the transaction as the four green lights light up. It would have to be a very freak accident for someone elses card to be read in place of your own because if I am standing in front of the reader how would another card get read?
David
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Within a very short time - maybe three years we will look back on all this disquiet and wonder what all the fuss was about! Its happening, - get used to it, contactless card payments will become the norm. Cash is dated just like the cheque was!
Accept it and learn to live with it!
TF
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The place with almost no security is the good old US of A. I am told that they are introducing chip and pin but in general you hand over a card you sign something they hand the card back. What never happens is the signatures on the card being checked against
the one you have just signed.0 -
Forgot to add.......notice how, when you go to the bank to withdraw cash (either at the counter or at a hole in the wall) there is no contactless option.
Could it be that the banks are a little more cautious when their own cash is being handed over......
Surely its your cash they are handing over!
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