• Our booking engine at tickets.railforums.co.uk (powered by TrainSplit) helps support the running of the forum with every ticket purchase! Find out more and ask any questions/give us feedback in this thread!

Praise for LNER RPO in Railcard dispute

Status
Not open for further replies.
G

gray1404

Established Member
Joined
3 Mar 2014
Messages
6,595
Location
Merseyside
I use chip and pin whenever possible, even if contactless is an option. The reason I do this is so if I am somewhere that only accepts contactless I can be (almost 100%) certain it will be excepted. It also means if I am in a rush and want to pay fast I know contactless will be accepted and I won't be caught out with a PIN check. My Dad recently lost his bank card and it was used for 3 contactless transactions. He was able to say to the bank, truthfully, I have never used contactless in my life. It is outside of my regular patterns of card usage.
 
Sponsor Post - registered members do not see these adverts; click here to register, or click here to log in
R

RailUK Forums

B

Bletchleyite

Veteran Member
Joined
20 Oct 2014
Messages
97,879
Location
"Marston Vale mafia"
gray1404 said:
He was able to say to the bank, truthfully, I have never used contactless in my life. It is outside of my regular patterns of card usage.
Click to expand...

This is unnecessary. Contactless is at retailer risk, i.e. if you report a card lost/stolen and state you didn't make certain transactions based on that, provided you reported it within a reasonable time (as for any card fraud) they WILL be charged back and refunded regardless of your normal pattern. The banking industry had to agree to this in order for the lower security level to be acceptable.
 
H

Hadders

Veteran Member
Associate Staff
Senior Fares Advisor
Joined
27 Apr 2011
Messages
13,191
I agree with @Bletchleyite If you never use contactless and your card falls into criminal hands they can use it to make 5 transactions or up to a value of £100 (as described by @transmanche). If you do use contactless the chances are someone obtaining your card would only be make fewer than 5 transactions, unless by co-incidence you'd just made a chip and pin transaction.
 
P

paddington

Member
Joined
19 Feb 2013
Messages
964
gray1404 said:
if I am somewhere that only accepts contactless I can be (almost 100%) certain it will be excepted.
Click to expand...

Are there places that *only* accept contactless and have no facilities for PIN entry (that are not "transit mode" readers such as buses and TfL ticket barriers)? So if your card declines a contactless transaction what happens, you have to pay in cash??
 
daveshah

daveshah

Member
Joined
1 Sep 2018
Messages
115
I've seen vending machines that don't have a pin pad and are primarily intended for contactless, although at least some have a slot for the chip (so could also do chip without pin). No idea how these do limits, but unlike a typical transmit mode situation they definitely do online authorisation based on the time they take.
 
B

Bletchleyite

Veteran Member
Joined
20 Oct 2014
Messages
97,879
Location
"Marston Vale mafia"
daveshah said:
I've seen vending machines that don't have a pin pad and are primarily intended for contactless, although at least some have a slot for the chip (so could also do chip without pin). No idea how these do limits, but unlike a typical transmit mode situation they definitely do online authorisation based on the time they take.
Click to expand...

Ah, yes, forgot those. Though a PIN pad wouldn't be a costly addition - even parking meters with contactless normally have a slot and a PIN pad.
 
MikeWh

MikeWh

Established Member
Associate Staff
Senior Fares Advisor
Joined
15 Jun 2010
Messages
7,871
Location
Crayford
This has now veered considerably away from the original topic, and I can't see there is anything more to add to that. Feel free to start a new thread in general discussion if you want to continue to discuss the mechanics of contactless payments.
 
Status
Not open for further replies.

Top