neil_g
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- Neil
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what ruth said. by holding a contactless card against the reader (unless you've fallen onto the terminal) then your intention it to pay the transaction.
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contactless bank cards
- Thread starter Gremlin
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what ruth said. by holding a contactless card against the reader (unless you've fallen onto the terminal) then your intention it to pay the transaction.
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Not quite true, I never use my debit card online I have a credit card for that, which has to be verified when it's used, which requires a password already
set up, the same would apply to my debit card.
If you do a phone order, unless rules have changed, the company should send them to the address the card is registered to, so if they send them elsewhere
they are leaving themselves open
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and this is my point as I have tried to say several times, at no point was the card swiped by the cardholder and as I have said what if it's stolen are you still liable
viv1969
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But you handed the card over to complete a transaction, and in doing so your consent is implicit.
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nope - If i stole your debit card i could use it on line - all i'd need would be the big number across the front ad the last three digits of the number on the mag strip - whether a card is verified depends on the website not the card.. some do but a lot don't
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why did you hand your card over then ? - if you want to use chip and pin there'd be no reason to hand the card to the casheir
and if the cardis stolen you are liable now ... or not if you tell the bank within a reasonable time. Contactless changes nothing in this regard
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Read what I said properly, I didn't, it wasn't my card which isn't enabled yet
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But the items should still be sent to the address the card is registered at
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again not so - on most websites you can specify a delivery adress which is different to the invoice address - this is how you can use amazon etc to sent presents to people
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and you keep saying "without authorisation" if you or or your friend hand the card to a cashier then you are implicitly authorising them to use it (its not like you don't know the transaction is being processed) so why does it matter whether they use contactless or chip and pin ... you are still completing a transaction you are aware of
Okay so theft isnt the same - but as i keep saying if your card is nicked the onus is on you to tell the bank asap ... I'm baffled as to how anyone could not realise their card had been stolen for days at a time (and i'm fairly sure that the banks anti fraud team would see that as a negligent lack of care which would invalidate their obligation to reimburse a fraudulent transaction - regardless of whether it was contactless or CNP)
Okay so theft isnt the same - but as i keep saying if your card is nicked the onus is on you to tell the bank asap ... I'm baffled as to how anyone could not realise their card had been stolen for days at a time (and i'm fairly sure that the banks anti fraud team would see that as a negligent lack of care which would invalidate their obligation to reimburse a fraudulent transaction - regardless of whether it was contactless or CNP)
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Ok as I don't seem to be explaining things I'll have my last say in this thread.
The money in my account is my money I want to be able to spend it in a way that I feel is safe and secure,
which I don't feel this contactless thing is, it seems from one previous poster that the banks
won't let you opt out of it so you have no option.
Is this fair, you get no interest on most current accounts so the banks in fact are giving you nothing and
dictating how you spend.
Think a bit of research is needed to find a bank that will let me opt out before my card is due for renewal
The money in my account is my money I want to be able to spend it in a way that I feel is safe and secure,
which I don't feel this contactless thing is, it seems from one previous poster that the banks
won't let you opt out of it so you have no option.
Is this fair, you get no interest on most current accounts so the banks in fact are giving you nothing and
dictating how you spend.
Think a bit of research is needed to find a bank that will let me opt out before my card is due for renewal
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that - don't hand your card to anyone else and don't opt to use contactless if you don't want to (there will always be a chip and pin option)
However if you are making a purchase this is absolutely pointless because contactless or pin you are still making the same transaction (which you have chosen to make) which has exactly the same transactional security and card protection ...
likewise there is no difference in theft protection between contactless and card not present
the only issue with contactless is whether there is vunerability to skimming while its in your pocket / bag - if this wories you you can get a RIFD protected case
The real irony is the arguments against contactless being advanced today are pretty much the same as those advanced against chip and pin back in the day (and probably against plastic instead of cheque when that was first introduced) - the bottom line is that people don't like change , but in 5 or so years most will wonder what the fuss was about