Beach Hut
Brighton Bhuna Boy
Reliably advised contactless payment limit will change on 01st April from £30 to £45.
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And before you ask this is not an April Fool.
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[Technology] Contactless Payment Limit Change
- Thread starter Beach Hut
- Start date
LamieRobertson
Not awoke
Ye was on news a couple of days ago
Barham's tash
Well-known member
As will the cumulative contactless limit which is going back to it's pre September 2019 levels of £150.
This is the lesser known contactless limit which you will have hit but often not realised when a shop asks you to enter your pin even though the transaction your paying for is below the single payment contactless limit but as the cumulative total of your previous contactless transactions has gone about £150 you need a second form of verification to reset the limit.
I know few of us are out and about ATM but beware of pickpockets in these troubled times.
This is the lesser known contactless limit which you will have hit but often not realised when a shop asks you to enter your pin even though the transaction your paying for is below the single payment contactless limit but as the cumulative total of your previous contactless transactions has gone about £150 you need a second form of verification to reset the limit.
I know few of us are out and about ATM but beware of pickpockets in these troubled times.
LamieRobertson
Not awoke
- Aug 8, 2005
- 26,544
Is that £150 per day?
Neville's Breakfast
Well-known member
And lessen the need to touch the keypad on payment machine.
Barham's tash
Well-known member
No it’s just a cumulative running total.
There are other ‘soft decline’ mechanisms coming in - forcing another form of strong customer authentication [think SMS codes/PIN verification] due to a myriad of reasons that FCA/EBA believe will drive down fraud. These are yet to be fully defined but ultimately will lead, IMO, to significant customer friction but as ever the regulator believe this is better than an increased risk of fraud - sledgehammer to crack a nut etc.
Barham's tash
Well-known member
it's clearly not enforced uniformly then as I've definitely spent more than £150 cumulatively via contactless and not been requested for my pin.
Barham's tash
Well-known member
It should be as it’s a regulatory consideration but it could be your card issuer has chosen to be non compliant.
Barham's tash
Well-known member
It’s an anti fraud measure and nothing to do with credit worthiness.
pasty
A different kind of pasty
I had problems with contactless in Sicily last year. Apparently over there, the contactless limit is set by individual merchants, so they decide if a payment can be made contactless or not. At least half a dozen times my card got declined when they tried to take payment for a meal, and I had to keep explaining to them that we have a limit in the UK so I had to enter my pin. Most of them seemed bemused at such a system.
I've never managed to use contactless while abroad - France, Cyprus, Netherlands or Canada - I was told that you could only use a UK card via contactless in the UK.
father_and_son
Well-known member
Sensible move at the current time.
pasty
A different kind of pasty
Ah, maybe that was the reason then and nothing to do with the limit. I never actually tried to use contactless for anything that would have been within the UK limit.
father_and_son
Well-known member
Not true. However, they are sh1t and work maybe 1 time in 10. The issue I suspect is the response time of messages validating the card increased somewhat as the message passed through many more systems and therefore it is constantly timing out unvalidated.
It resets if you do a non-contactless payment with pin, or use a cash point, I believe.
Correct.