Tap to pay - will it, won't it?
Discussion
Does anyone know the criteria systems use when you tap your card?
My card has £100 tap limit and I have no idea whether it will work or if it will ask me to insert my card and use my pin.
Petrol stations rarely let me tap more than £50.
In Boots yesterday I couldn't tap a £9 sale but in M&S next door ten minutes later I tapped a £10 sale. These are shops I use regularly. Last Friday, in a village 20 miles away in a Builders Merchant I've never used before, the bill was £99.98. I said to the assistant, "This won't work," but it did. Tap. Paid. Two pence shy of the limit.
When the system started I vowed I'd never use it. That lasted about a month.
My card has £100 tap limit and I have no idea whether it will work or if it will ask me to insert my card and use my pin.
Petrol stations rarely let me tap more than £50.
In Boots yesterday I couldn't tap a £9 sale but in M&S next door ten minutes later I tapped a £10 sale. These are shops I use regularly. Last Friday, in a village 20 miles away in a Builders Merchant I've never used before, the bill was £99.98. I said to the assistant, "This won't work," but it did. Tap. Paid. Two pence shy of the limit.
When the system started I vowed I'd never use it. That lasted about a month.
Merchants can set their own limits. I believe every 6 taps you have to enter your pin.
Apple/Google pay has no limits, as you authorise it with you thumb print/face recognition . I was weary of it, but it's easier than trying to dig the correct card out of your wallet and no pin faff.
Apple/Google pay has no limits, as you authorise it with you thumb print/face recognition . I was weary of it, but it's easier than trying to dig the correct card out of your wallet and no pin faff.
DickyC said:
Does anyone know the criteria systems use when you tap your card?
My card has £100 tap limit and I have no idea whether it will work or if it will ask me to insert my card and use my pin.
Petrol stations rarely let me tap more than £50.
In Boots yesterday I couldn't tap a £9 sale but in M&S next door ten minutes later I tapped a £10 sale. These are shops I use regularly. Last Friday, in a village 20 miles away in a Builders Merchant I've never used before, the bill was £99.98. I said to the assistant, "This won't work," but it did. Tap. Paid. Two pence shy of the limit.
When the system started I vowed I'd never use it. That lasted about a month.
I use Apple pay, which draws from my Barclaycard and Amex and appear to have no limit on either.My card has £100 tap limit and I have no idea whether it will work or if it will ask me to insert my card and use my pin.
Petrol stations rarely let me tap more than £50.
In Boots yesterday I couldn't tap a £9 sale but in M&S next door ten minutes later I tapped a £10 sale. These are shops I use regularly. Last Friday, in a village 20 miles away in a Builders Merchant I've never used before, the bill was £99.98. I said to the assistant, "This won't work," but it did. Tap. Paid. Two pence shy of the limit.
When the system started I vowed I'd never use it. That lasted about a month.
There are many permutations. Some may get you to input your Pin after 6/12/X transactions but recognise that it can't be achieved on many occasions as you're paying for, say, a bus fare.
I'm sure it's become a little more relaxed in recent times as I can use it many times, sometimes for much larger amounts.
I'm sure it's become a little more relaxed in recent times as I can use it many times, sometimes for much larger amounts.
Thanks for all these. It seems a lot more prosaic than I imagined.
A frequency limit on the card and businesses setting their own limits conspire to make my taps' success or failure appear random. Good. Not Big Brother after all.
My concern was that, if it is random, how tight are the systems? It seems the money people are way ahead of me. Which is good.
A frequency limit on the card and businesses setting their own limits conspire to make my taps' success or failure appear random. Good. Not Big Brother after all.
My concern was that, if it is random, how tight are the systems? It seems the money people are way ahead of me. Which is good.
It's not big brother it's technology trying to make sure someone can't simply nick your card and have a field day and it won't always get it absolutely right.
For what it's worth if you look at something like Apple Pay it's about as close to painless as it gets - to the point where other than out of habit I could (and often do) pretty much leave the house without taking my physical cards.
For what it's worth if you look at something like Apple Pay it's about as close to painless as it gets - to the point where other than out of habit I could (and often do) pretty much leave the house without taking my physical cards.
wyson said:
That isn’t an issue, the phone can do it off line and sort the transactions out once connected to the mothership.
The only issue I’ve come across is some retailers don’t like Amex on Google Pay. For some reason they require you to tap the physical Amex card. Mastercard and Visa, I’ve never had issues.
No, it can't a lot of the time. If you have no phone reception in some areas you can't proceed further.The only issue I’ve come across is some retailers don’t like Amex on Google Pay. For some reason they require you to tap the physical Amex card. Mastercard and Visa, I’ve never had issues.
Edited by wyson on Friday 27th September 08:45
hstewie said:ARHarh said:
It must only be me who thinks its easier to just get a card out and tap it then get my phone out authorise an app and then tap.
PossiblyI don’t usually carry my cards loose so it’s more hassle taking out my wallet, using two hands to remove card tap it, put it back in wallet then pocket
Also with my phone I don’t authorise any app before tapping if using my default card
I tap my phone on machine then it asks for my thumb print when it recognises the transaction, it’s pretty seamless
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