Applepay > £30

An irritating Esso thing certainly, Sainsbury's filling stations take payments over £30.

My Google pay has done a £1000 at the dentist. I have no idea what the actual limit from Google/my bank is.

There was something on the radio (R4 I suspect) about this awhile back. As I recall, there was a £30 limit, which has been removed, but retailers need to update their terminals.

Having said that, my recollection is that the programme was some time back - ie probably at least a year.

I don't use Apple pay, so it isn't a problem I've encounter.

I was a bit surprised that 'contactless' was recently accepted in France without a PIN on first use. My recollection is that last time, I had to enter a PIN the first time I used it on a trip.

Pancho used his keyboard to write :

No, local Tesco.

Yes, most pumps seem to have an improvised sign stuck on them warning they don't accept ApplePay above the £30 contactless limit.

Andy Burns laid this down on his screen :

I wonder why fuel stations and not other places, when exceeding that £30 will be quite frequent?

For me contactless has only requested a pin once. I think what may have triggered it is two transactions 250 miles apart within 6 hours of each other.

No mine says if you want to pay more you need two transactions. Its much the same as contactless cards. there are rumours that this will be relaxed though so a bigger incentive to steal your card or phone. Brian

Maybe you can get it raised by your bank then. All I know is what I said in my last message, but then, I'm a person without a credit history, apparently! Brian

Brian Gaff formulated on Friday :

With the phone, they would have to also steal my face or my thumb.

That was the whole point of Applepay, it was secure - needing you to be present with your thumb or face, so no need for a pin even for the largest or smallest transactions.

My point was, why are fuel stations not accepting Applepay for >£30 ?

Presumably petrol stations have been (maybe still are) "good" places for criminals to use stolen plastic for contactless transactions?

Maybe with that track record they find it difficult to persuade the banks to allow the higher limit without the petrol station bearing the risk?

Perhaps that was it, or something similar. Certainly other times it hasn’t been an issue.

I was surprised when we were in the US a few years back that quite a few places still used the old fashioned imprint and sign gadgets- the ones where you get a tracing paper like receipt. It wasn’t just in the remote areas either, it applied in places where there would certainly have been access to Internet/phone etc . I’ve not signed a credit card receipt in the UK in years.

Andy Burns wrote on 06/09/2019 :

Applepay is unlike plastic, the owner has to be present during the transaction to use their face or their thumb. The phone has to see your face, or thumb and make the payment within a few seconds - Supposedly much more secure than chip and a pin.

I have now swapped most of my out and about spend, to Applepay, so I was just lucky I had my wallet and cards to enable me to pay at all.

But does the shop till know whether it's talking to a plastic card, or an iThing?

Never heard of bolt cutters ?

michael adams

...

It must do, otherwise other tills wouldn't know to ignore the £30 limit. Besides, Applepay works with some sort of one-time token, so its reputed to be very secure, much more so than a card with or without pin.

I have written to Tesco for an explanation.

The Esso stations I was thinking of also had a Tesco local attached, so maybe it is a Tesco thing?

Do Tesco accept > £30 aplle pay in normal food stores.

My android pay is linked to a debit card so there isn't credit risk.

Many older people have limited credit history. I'm not sure of exact details but AIUI bank accounts opened in the last 10-20 years tend to expose data to credit reference agencies by default where as accounts opened before this do not.

They arent really because there is a limit to how much petrol you can use.

There is no risk for the petrol station with an applepay transaction because no stolen iphone can be used to do applepay transactions.

Yep, I no longer have to enter a PIN with transactions over the contactless limit anymore with applepay transactions.