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?

For anyone taking clairetree1's posts seriously, bear in mind that when invited to dinner, rather than taking a bottle or wine, or chocolates, she will turn up with a fire extinguisher as a gift for the hosts.

Another vote here for Starling and Monzo cards! You can preload money, use contactless and you get an instant notification on your phone. You can also get joint account cards, use them on London transport and it analyses what you spend all your money on. Great stuff!

You don't get a receipt with contactless.

Yes you do. It’s no different in that respect from chip and pin.

Claire I don't think you know what 'demonstrable' means. And you are the one making absured claims so I feel its up to you to show us what your saying is right. I've googled it and nothing at all suggests that contactless cards are impossible to cancel

I’m with you Donald - I prefer not to use contactless (especially on my business account) purely for the reason it takes sooo long to show up on your statement.

Hopping No-one is talking about the main balance, everyone knows that isn't updated until everything is cleared and can be vastly different to available, and that's grand. It's the available balance that people look at it and it's that that doesn't update for many of us.

My brother doesn't generally use contactless so when his card was cloned recently and the criminal did some contactless transactions, it flagged them up to the bank. He got his money back really quickly as the pattern of use was different!

I'm going back to using Chip and Pin tbh

@MongerTruffle yes that was a question not a statement, I wasn’t sure re: America having contactless or not

Bluelonerose s half right about receipts, some places (not all) do not give out receipts if you pay with contactless.

My local Greggs and Weatherspoons don't. I was in a cafe recently and they told someone who wanted a receipt they'd have to pay by chip and pin as they didn't generate a receipt if it was contactless.

I'm not keen on contactless but I was more or less blackmailed into using it by my bank who said that if I didn't have a contactless card I would not eg be able to use my card to pay for things on mobile terminals - eg on a train or in a restaurant. I could still pay for things in shops.

So I kept the contactless card and do use it. But I think it's stupid that you can rack up transactions of up to £30 with no PIN or signature. Somoene nicks my card and they go off on a spending spree with no comeback.

I've not noticed the time taken to appear on my bank account - I check my account daily online and they seem to show up as fast (or slow!) as any other transactions.

I have to admit I’m not keen on contactless payments.

Probably just because I hate change

I have 2 accounts one has contactless the other doesn’t, my one account which is contactless shows the amounts right away in my pending transactions.

Dh doesn’t show his contactless payments for days. Drives him batty, that’s why he doesn’t use it, that and the £30 limit is a bit low. For some reason all his transactions are £35+

The pay at pump fuel has got me twice! Took 6 days (I thought it had gone as I’d seen an Asda payment for the same amount) put me in an un authorised overdraft.

YANBU op. It is crap for someone on a tight budget. It's a con.

I have never had a transaction that has not shown up in the pending transactions straight away
And we, as a family, have accounts with five different banks.

OP, YADNBU.

Thankfully, the supermarkets around me are not forever trying to rush customers and we have NO self service checkouts. The nearest ones are in the city over 80 minutes drive away.

I'll stick with chip and pin thanks or cash which I use 95% of the time.

I'm amazed at how often many of you are checking your accounts!

I might do as it gets towards the end of the month, it's certainly not a daily or even weekly occurrence.

I did check it whilst on holiday last week & all my contactless payments made that day were on it (Barclays).

I love contactless - don't even carry the card anymore, it's on the phone.....

Somoene nicks my card and they go off on a spending spree with no comeback.

Until they hit the daily limit and/or you cancel the card.

I'm afraid Claire is scaremongering - all the articles about cards not being cancelled are old news - from Jan/Feb this year or go back to 2016 and also use the phrase "some".....

I also think people forget that if someone physically has your card they can spend a damn sight more by going online & buying a widescreen TV/PC etc which is then delivered to a dummy address.

And I totally posted that in the wrong thread, doh.

Yanbu, my husband's card was stolen from his pocket and the thief used it in a few shops using contactless before the bank luckily picked it up as fraud and declined the card. Luckily the bank gave us our money back. We deactivate the contactless chips now.

I've googled it and nothing at all suggests that contactless cards are impossible to cancel

They're not (impossible to cancel) so I'm not surprised you got that result - you need to google something more like "contactless payments after card cancellation".

The point is not that they're impossible to cancel: the point is that the cancellation of the contactless feature may not be 100% effective in certain circumstances. MP Rachel Reeves raised this last year with the FCA (and I'm fairly sure she's not Claire in disguise). It is specifically offline transactions, and, crucially, it affects some High Street banks more than others.

My impression is that different banks are dealing with this problem in different ways, so there is a variety of experience out there as to what happens about offline contactless transactions once a card's been cancelled. Experiences range from the bank picking it up and stopping it happening (thus giving the impression that it's universally impossible for this to happen, because why would you realise that your experience is peculiar to customers of that particular bank?) through to the financial onus falling on the customer spotting it on their statements.

SlartiAardvark I looked carefully at the dates too, and I'm totally not stopping using my contactless!, But I don't actually know how much of a hurry the banks are going to be in to solve this, and I'm not sure if February 2018 is necessarily old news in this context. If it's a relatively small problem for them in terms of refunding customers, and an expensive problem to fix, then it may be more cost-effective for them to just keep paying customers back, even up to the point of giving them £100 compensatory cheques- a lot will depend on how much they perceive it as affecting customer confidence, which I imagine is critical to High Street banks around payment technology.

Claire I don't think you know what 'demonstrable' means. And you are the one making absured claims so I feel its up to you to show us what your saying is right. I've googled it and nothing at all suggests that contactless cards are impossible to cancel

I've already put lots of links in, there are literally hundreds.

here is AGAIN! one of the campaigns about this issue

www.moneysavingexpert.com/news/cards/2018/01/contactless-fraud-loophole-not-fully-fixed-18-months-after-mse-investigation

A flaw which means contactless cards can be used AFTER they've been cancelled has still not been fully fixed almost 18 months after MoneySavingExpert.com began campaigning on the issue.

Experiences range from the bank picking it up and stopping it happening through to the financial onus falling on the customer spotting it on their statements.

correct, yes, but if you have ever lost a contactless card, you still have to check and keep checking, as things stand, even after it has been cancelled, even if your bank is one of the ones that stops some transactions with it.

I chip and pin still because I fundamentally disagree with the lack of security around contatctless.

I always use contactless when I can - also use apple pay on my phone. Can always get a receipt and it shows up on my mobile banking app straight away :)