To not pay via contactless?

[DonaldLovesDoritos]

I was in my local Tesco today, just quickly grabbing a few things.

I got to the till and was told "It is contactless you know". I said I was aware, but I'd rather pay via the usual chip and pin if that was okay. The checkout lady looked a bit confused.

Later this afternoon I visited Boots. The woman who served me said would I mind using contactless, because it'll be quicker and hurry things along. I said no thank you, I'll stick with pin entering if that's alright. She was very and just repeated "contactless is faster for us"

AIBU not to pay via contactless?

@clairetree1

does it matter what sort of transaction it is? A contactless card can be used years after the card has been cancelled.

With respect you are talking bollux my dear.

Once a card is cancelled it cannot be used.

Please stop spouting utter tripe.

@svalberg

I paid cash for a coffee, and got a receipt. When I came to check my bank account, I'd had a transaction at that retailer at about the same time as on the cash receipt for a couple of quid more. The only explanation was that the money was taken from the card in my purse as I got too close to the payment machine when I paid.

Would not happen. You would have had to have held the card over the PDQ machine, with the chip facing it, and less than 6" away for it to take money.

You obviously spent something and forgot about it.

You are free to do as you please. I worked in a supermarket when I was a teenager and we always laughed about the old folks who still paid by cheque. It was like the strangest concept to us. I wonder if that's how people will think of those who use chip and pin one day soon. Chip and pin? Alright grandma!

And then I imagine that the chip and pin machines will disappear altogether eventually. There will be little signs at the checkout saying "contactless only" and the oldies will grumble about how things were more secure in their day.

You can swipe a debit card???

When did chip and PIN come in to the US? Way behind everyone else, which is ironic, given that the technology was probably invented in Silicon Valley anyway, along with contactless too.

And as someone said upthread, contactless cards are the least of the POTUS's issues at the moment. But like everything else, he will tweet about all those indicted today, and all will be fine.

What I mean is, if I use contactless 4 times in varying amounts - say £10, £12.50, £27 And £4.50 - unless you check your balance after every single transaction, you don't know if it's immediately come off your available balance, or if it's going to take a few days (as occasionally contactless amounts do come of straight away). That's what I mean about guessing - and even if you're great with money and budgeting, it's hard to keep track off when it's random like that.

OK. What I mean is that if you check your transactions and some don't appear on there, then they are pending and that money must be considered earmarked. I don't know why that would be hard to keep track of unless you don't remember what you've spent over the previous few hours or days. I think the difference is that you rely on your bank to tell you what you've spent whereas I rely on my memory and just use the bank to confirm that what I expect to be taken out has been and that nothing fraudulent has appeared.

My old account it took about 5 days for contactless to come out. My new account it's out within seconds so easy to keep track of.

Well, we've been out school uniform buying and I have used contactless for lots of transactions.I have never had to validate my pin before or today.
I am also miffed at the contactless taking so long to register.I can work out how much I have spent but some shops have also moved to paperless receipts so tallying up is more complicated,I had to chip and pin for shoes and these are in pending but nothing else is there.
I do keep tabs on my bank account regularly now that I no longer get paper statements

With respect you are talking bollux my dear

Once a card is cancelled it cannot be used.

Please stop spouting utter tripe

yes, its because of people like you that are repeating the WRONG information that I keep on and on telling you the right information.

There is no limit to the length of time AFTER cancelling your contactlesscard that you can still be defrauded by it.

There is no limit to the amount that can be spent on it.

Look up some of the cases, £75 in a single night at burger king

£7-£8 a day , day after day after day at mcdonalds.

train tickets

clothes shoppping

pornography

DVDs/games

much of this for resale, no doubt

any number of other cases, all well documented, all available to look at online, where people have been defrauded of hundreds of pounds, (or more, if they don't check) and have had to reclaim, ages after cancelling the card.

because there is no limit to the time they can be used for, and no limit to the amount that can be racked up on them.

Those of you who are insisting on saying it doesn't happen are demonstrably wrong.

Those of you who are saying it doesn't matter because it is only offline transactions, how doesn't it matter? it can still add up to thousands in the long run, although likely to be small amounts regularly, because these people don't want you to notice.....

If you don't notice in time, you won't be able to claim it back

That is why if you have EVER lost a contactless card you NEED to be checking every bank statement every week.

unless of course you don't care about someone else using your money, in which case, fine, don't bother

Look at the adverts I'm getting

I'm in USA and we still have to sign a bloody piece of paper, because US banks are about 15 years behind Europe and Canada for some reason. I get that look whenever I go overseas and use my card.

@butterflysugarbaby

Please stop typing such patronising, ignorant, bollocks. Thank-you.

Nandocushion

Seriously? Wow.

I mentioned it above thread. Must be rife for fraud (not you of course), but it must be so easy.

I don't use contactless for anything other than grabbing a snack etc because it doesn't change the available balance on my account for a few days and it is too easy to lose track of ten quid here and 15 quid there. Chip and pin means the balance may not change for a couple of days but I have amount available changes almost immediately. Unless people want to stand around whilst I write the amount down in a notebook then I'll stick to doing it this way.

@Clairetree1

Please enlighten us where you can actually buy porn via contactless, and have it recorded as that by the bank, if you can snap out of your hysteria for a moment.

@Clairetree1

I'd also say that my personal experience doesn't match what you're saying. I cancelled my card after it was stolen. I was immediately refunded the three contactless payments made with out my knowledge and then when I next spoke to the bank they were able to tell me exactly how many transactions they'd declined on the stolen card

YANBU
I don't like contactless because of the security side of things. I asked for a card without it but was told they didn't have any.

I have only used it twice. Once in a cafe when I could not see the card machine. I held my card up to show that is how I wanted to pay. The girl put the machine to my card for a contactless payment without saying anything. When I said that she should have asked me before assuming I wanted to do contactless, she said "We will give you a receipt" as if to say that made it ok.

The other time I was trying to get a padlock from a gym vending machine and didn't have change so had no other option.

I don't object to people letting me know it is contactless, but just stick the card in and use the chip and pin anyway.

My M&S chargecard and next card still have to be signed for. Really annoys me in next when the cashier hands me the card, with the receipt to sign. If I mention that they are supposed to check that the signature matches they look a bit confused. Some think that they are only supposed to check the card has a signature.

I use my watch, my actual card rarely leaves the house. And I'm with Lloyd's and contactless transactions show up straight away.

Those of you who are insisting on saying it doesn't happen are demonstrably wrong

Well, seeing as you haven't actually demonstrated with anything, we can't be demonstrably wrong. It is not impossible to cancel a contactless card, and you haven't actually produced any proof that it is

I use my watch

What is this witchcraft?!

@GunpowderGelatine you can have Apple Pay on the Apple Watch.

Same as other posters, mine doesn't show contactless in available balance straight away but chip and pin does. If I'm nearing my limit I avoid contactless.

@ManyCrisps well knock me down!

Please enlighten us where you can actually buy porn via contactless, and have it recorded as that by the bank, if you can snap out of your hysteria for a moment

No idea which porn shops accept Contactless 😆 BUT...every time you use a card, the merchants category code is visible to your bank. And IF you’re buying pornos from a sex shop, the MCC is something like ‘adult entertainment services’. There’s no keeping it secret, the bank knows Often smaller sex shops have completely boring statement names like ‘AJ Smith & Co’ - and people think they’re safe and it’s anonymous - it’s not! When you call your bank they’ll see the type of service or shop right next to the vanilla name

Never get asked for contactless as I look old and senile!!

America doesn’t have ‘contactless’? you learn something new everyday. Here in Australia we call it ‘PayPass’ and any transaction over $100 prompts you for your pin. You can do as many transactions under this amount as you like without your pin.

I think the cashiers were rude. It would literally be seconds difference between the payment methods, YANBU.