Contactless v Chip & Pin Payments

Discussion in 'SMB' started by dafunk2, Mar 20, 2017.

  1. Kevsgreat

    Kevsgreat Striker

    I've only had a contactless card for about a month and I tried to pay £52 on it at the weekend. Never been so embarrassed in my life.
    addicted_to_safc, James and dafunk2 like this.
  2. dafunk2

    dafunk2 Midfield

    Same for me then. I thought that it would have been the other way around if anything...strange how they are different.
  3. Thurston

    Thurston Winger

    There's no difference in transaction time.

    What annoys me is, after all the shit about chip and pin being put in place to make things more secure, they've basically went back to square one!
  4. googleboogle

    googleboogle Midfield

    Contactless can take longer, normally a daily run. Depending on how they process it, as your account is pre authorised. They don't actually check your available balance.
  5. James

    James Striker

    What bank are you with? Lloyds is considerably slower on contactless.

    TAFKAHM Winger

    Thing with contactless, anyone can use it without a pin number, very dangerous, is there a limit on amount ?
  7. googleboogle

    googleboogle Midfield

    Yea £30 per transaction. Also it can randomly ask for your pin.

    It's covered by banks so if it does get stole you won't be out of pocket.

    It's not the bank. It's the retailer you use it at.
    Last edited: Mar 20, 2017
    James likes this.
  8. James

    James Striker

    It's not dangerous. If you lose your wallet just call the bank and have the card cancelled, same as if you lost a chip and pin card. Any payment you didn't authorise is covered as well, if someone stole it out of your hand or something daft like that.

    One of the better day-to-day inventions. So much quicker to use at the shop and at the bar.
  9. No7

    No7 Midfield

    I'm with Santander, and contactless payments don't come off until 11pm

    It grips my shit

    TAFKAHM Winger

    For those who didn't notice there cards missing for a day or so....
  11. Bladecat

    Bladecat Striker

    I buy drinks in the pub when I can pay feels like you haven't paid;)
    No7 and James like this.
  12. James

    James Striker

    Then you just ring the bank once you realise and tell them. It's happened to a mate and they just cancelled the payments and refunded anything he told them about. Don't let that put you off a contactless card, they're topper.
    TAFKAHM likes this.
  13. googleboogle

    googleboogle Midfield

  14. legend7

    legend7 Central Defender

    Aye i was talking to staff in a pub and basically they dont "upload" any payments until monday morning from the whole weekend, even if you lose your card and cancel it it would still go through but you would get the money back.
  15. joemcdokes

    joemcdokes Striker

    I've changed my worse case scenario, imagine if a payment doesn't come out of your account at the same time with contactless and chip and pin.
    The horror of it all, it's a worry I didn't even think about till now, it's got me feeling sick.
  16. googleboogle

    googleboogle Midfield

    It's like the days when people used a cheque a few days before pay day.

    You can chance it with a contactless card.
    James likes this.
  17. SA96

    SA96 Central Defender

    My bus pass is contactless.
  18. the dark one

    the dark one Winger

    You are a fruit.
    Frijj likes this.
  19. LondonMackem

    LondonMackem Winger

  20. MURPHY1973

    MURPHY1973 Central Defender

    I am sure cheques will clear within a working day come october so no writing them a few days before payday anymore

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