Customers who yell at shop staff because contactless card requires a chip n pin payment

[Gdn1]

Obviously don't read the T'snC's about their card. As the banks randomly decide on when a CnP payment is required. Some banks is totally random and some banks are when you done £x or certain number of transactions, whatever comes first.

It's the bank, NOT the shop/cafe/wherever that decides this. Please don't yell at the staff who are powerless, have no ability to lift the restriction up. Also if customers found they have the cash or pay with another card, the first card will need a chip n pin payment before you can use contactless.

People need to understand that they don't have to keep the random generated PIN that their bank issued to them. People can go to any ATM and change their PIN to something they will remember under PIN services. Some banks refuse customers to change their PINs to 1234, 1111 etc

Maybe! Except I have never had covid and I seem to be becoming thicker as I age. It scares me how much dumberer I'm becoming!

Only wankers get so get up and start yelling at cashiers over such a simple security check by their own bank.

The reason I brought up this thread was I witnessed a few customers on my visits to shops who shouted vulgar things towards the staff as their card didn't work on contactless but had to pay with chip n pin.

On the few times when my card insists on a chip n pin payment when I am served by a cashier (usually use self scans) I have a laugh

Whoever is doing this should have their bank card removed

So the 16% think its OK to shout and scream at retail workers when their card requires a chip n pin payment.

It has never been acceptable and never will.

I don't really have a laugh but I do go ooh it hasn't done that for a while. It probably annoys them

I’ve never seen yelling. I did once have to get a non payment form at the petrol station as I couldn’t remember it. I know it but I just drew a blank. I’d cleverly saved it on my phone which had run out of charge so couldn’t use Apple Pay either. It was fine I popped back the next day, paid, apparently it happens at least one a day.

I don't know why. You're just explaining the intricate nature of the UK's chip and pin system.

I dont know why anyone would shout at the shop staff. Putting in your pin is nothing to do with them and its hardly a huge inconvenience.
But I guess some people are just ignorant and stupid much like the poster who had all their posts deleted.

Not forgetting that problem can be eliminated all together by just using Apple Pay, which never triggers a PIN entry requirement on a terminal as the security check is access to the phone :)

I'm wondering whether the same applies to Google Wallet for those of us who have android phones rather than apple ones?

I've used Google Wallet quite a bit now and never been asked for a pin. I do get asked occasionally if I am using a card.

Think bank counts mobile pay as a contactless so when you do pay with your card, it increases the likelihood of you having to inputting PIN

I was once behind an American who tried to pay with a card. It didn't work contactless, she insisted it didn't have a PIN, and when the cashier tried to do a signature transaction it turned out she clearly wasn't the cardholder. It was in the name of her husband Mr Xyz, who was outside in the car.

Needless to say, this was all the cashier's fault.

Those apps require facial recognition, pin or fingerprint to use the card so are far more secure than a contactless card so don't require pin.

I never know whether to be more astounded at the customers who can't remember their PIN or the ones who have it written down somewhere inside their wallet (or, even worse, on the back of their card).

I've never been yelled at over that - a few tuts etc but most people get it.

Worse is when customers tap their card & then walk straight out without checking if it's gone through then get outraged when the security guard runs after them.

Nor me. The public can be arseholes, and it’s got worse since Covid 😑

Service all over, not just retail has improved a hundred fold since we became Americanized.
Even main post office staff are pleasant and they were famous for their surliness.
I was in the COOP yesterday when Oscar was called to wheel a lady's shopping out for her and load it in to her car. I remarked to her, Fortnam & Mason service.

i am constantly (2nd time in this thread) aghast at people who can't imagine that, say, a very elderly woman might - if feeling under pressure to be quick (imagined or real) - put in the wrong PIN.

Honestly people - think about what you're saying. (also i sometimes have a momentary complete blank-brain when i have to enter my PIN)

I don't know why some people on this thread are taking such offence and saying "But I never shout at assistants so why are you accusing me/telling me off?!"

OP very clearly isn't referring to you!!

Obviously, it's still not the fault of the shop assistant in any way, but I do wish the bank machines could be re-programmed to say "Please enter your PIN to complete this transaction" rather than "Not authorised", "Declined" or similar.

They really should make it clear that it's a routine security check, rather than making you worry that you're unexpectedly skint or that there's been some kind of criminal activity using your card.

I agree completely that people who do react this way must be extremely hard of thinking, as well as nasty.

It is never the elderly who have trouble with their PIN. They have the number somewhere accessible (usually on a separate piece of paper in their wallet). Plus they are more wary of chip and pin and usually put the card and PIN in every time. It is the younger people who have about fifty cards, each with a separate PIN who forget the number.

I'm pretty old myself, so don't need a 'won't anyone think of the elderly' reminders.

great for you - for my mum, and several of her friends, not so much.

It was one scenario (that i have seen several times) that i could have mentioned, there are others.

Glad you're fine, your "I'm alright, Jack" attitude is pretty sucky tho

There should be consequences. A system for the retailer to notify the bank, who then contact the customer to tell (or remind them) about conditions, and if there is a repeat, then the account is closed.

Honestly this happens daily but I've never been shouted at.
I suppose it doesn't help that the machine will say "declined" rather than "pin needed" (or similar)
I apologise and let the customer know it's just a pin check and problem solved.
Weirdly recently I've noticed pin checks being requested when a customer only has a phone, not sure if it's a glitch but we are able to sort by cancelling and requesting card payment again.

Means they can't just use in the next shop they go to, they're still going to have to enter the PIN or have every transaction refused.

Mine did it fairly frequently when I changed jobs/the shops I'd use frequently on the way home. Once their AI had caught up with my new routine, I stopped getting so many PIN requests.

I suspect that people who shout and scream probably don't own the card they're using.