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Jersey Consumer Council

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Contactless Payments – Guidance

April 20, 2017 Banking No Comments

Contactless Payments – Guidance

What are contactless payments?

Contactless payments allow you to make fast and secure payments for amounts up to £30 just by touching your card on the card reader.

You do not need to enter your four digit Personal Identification Number (PIN). You can make payments with debit, credit, or prepaid cards, which have the following contactless symbol: Other methods of contactless payment include mobile phone apps and wearable devices (wristbands and watches).

Some UK card providers are not currently issuing contactless payment cards, and contactless card readers are not available at all retailers.

Are contactless payments safe?

• They offer the same level of fraud protection as standard Chip and Pin transactions.
• You no longer have to enter your PIN for purchases of £30 and under. However, from time to time, you may be prompted to enter your PIN as a security measure. This is to verify you are the authorised cardholder and are in possession of your card.
• If your card is lost or stolen you may be protected against fraudulent activity and will not be liable for any losses incurred. However, if you have given your card to someone, you could be found liable.

Tips

• If you carry more than one card in your purse or wallet, take your contactless card out to make the payment. This will ensure the correct card is debited.
• Going contactless does not mean you should go without a receipt. Always accept the offer of a receipt, or request one if you are not automatically given one. This will make it easier to return goods if necessary.
• If you are not comfortable using a contactless card, or have concerns about fraud, contact your bank to enquire about their ‘opt-out’ service. Most banks offer this facility, but terms and conditions may vary.

FAQs

Q: Is it possible for a thief to copy my card information?
A: Although the risks are low, it is possible. A device would probably need to be very close to your card before a thief could copy your details without you knowing.

Q: Is it possible to make an accidental purchase?
A: It is possible to accidently pay for something without meaning to, but only when you are very close to a card reader. The cashier would need to have activated the terminal, which would reduce the chance of accidental payments being taken.

Q: If I present my card to the reader twice, will I be charged twice?
A: No, the reader will only take one payment per transaction.

Q: Can I use the contactless function to get money out at a cash machine?
A: No, you will need to enter your PIN each time you use a cash machine.


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