Contactless cards and the future of cash - Page 2

pip08456 · 05-03-2021, 12:52

Quote:

Originally Posted by papa smurf

What has happened to the old you can only buy on a card if you spend more than a fiver brigade.

Quote:

Visa's Core Rules for European merchants state the following:

A Merchant must not establish a minimum or maximum Transaction amount as a condition for honoring a Visa Card or Visa Electron Card.

Mastercard Rules also prohibit merchants from setting this charge:

A Merchant must not require, or indicate that it requires, a minimum or maximum Transaction amount to accept a valid and properly presented Mastercard or Maestro Card.

It’s not just card networks that clearly state that merchants should not be asking customers to spend a certain amount for card payments. Card reader companies are similarly bound to the Card Scheme rules of any card network they are designed to accept. If your card reader provider discovers that a business has been breaking these rules, they can suspend its account.

In short, there may not be a law against setting a minimum spend on card, but by placing a minimum card payment limit on transactions, merchants run the risk of being fined or suspended by their service providers.

https://gocardless.com/guides/posts/...ayment-limits/

Carth · 05-03-2021, 13:30

Imagine the queues at the checkouts when the internet borks

Hom3r · 05-03-2021, 13:36

Quote:

Originally Posted by tweetiepooh

My main card doesn't have contactless on it and I would have the same from other providers if they offered it.

It's silly some traders now won't take cash (our local Chinese takeaway). My son went down for some chips, but they wouldn't server him. He didn't have a card with him.

My takeaway only takes cash.

It's the only cash I've used since March last year.

I will normally use cash for anything under £5.

---------- Post added at 13:33 ---------- Previous post was at 13:32 ----------

Quote:

Originally Posted by papa smurf

What has happened to the old you can only buy on a card if you spend more than a fiver brigade.

It was a rule on a café/bakers I used between the first and second lockdown, but they then preferred card for all items

---------- Post added at 13:36 ---------- Previous post was at 13:33 ----------

Quote:

Originally Posted by Chris

I'm not sure I understand this ... are you saying you would choose not to have any access to contactless payment, even though you are aware an increasing number of shops will not accept cash? If so, why?

My nephew had a bank card which didn't have contactless, but it did have chip & pin.

papa smurf · 05-03-2021, 13:36

Quote:

Originally Posted by Hom3r

My takeaway only takes cash.

It's the only cash I've used since March last year.

I will normally use cash for anything under £5.

---------- Post added at 13:33 ---------- Previous post was at 13:32 ----------

It was a rule on a café/bakers I used between the first and second lockdown, but they then preferred card for all items

Still have a couple of diy outlets in Cleethorpes that charge 50p if you spend less than £5 on a card

Hom3r · 05-03-2021, 13:46

Quote:

Originally Posted by papa smurf

Still have a couple of diy outlets in Cleethorpes that charge 50p if you spend less than £5 on a card

Surely that is illegal?

**Chris** · 05-03-2021, 13:53

It is illegal. Trading standards will sort it if you call them. They are legally allowed to just refuse card payments below a certain level but as pip noted above, that may still breach the terms of their contract with their payment processing service.

papa smurf · 05-03-2021, 13:57

I have to purchase some yacht varnish and paint thinners for the boat soon so i will test them on it.

Taf · 05-03-2021, 14:49

I drilled my card as the banks will only supply contactless. With the aerial wire cut it's impossible to use as contactless (I did test it a few times).

jfman · 05-03-2021, 14:52

Quote:

Originally Posted by Chris

That’s illegal. They can set a minimum card purchase amount and refuse transactions below that amount but they aren’t allowed to charge for using a card. Call your council’s trading standards department and let them know - they should send someone round to have a word.

Reminds me of my favourite card transaction. Cash machine outside a shop had a fee, minimum spend was £5 so I bought a Magnum ice cream and asked for £20 cash back.

**Hugh** · 05-03-2021, 15:22

Quote:

Originally Posted by Taf

I drilled my card as the banks will only supply contactless. With the aerial wire cut it's impossible to use as contactless (I did test it a few times).

Can I ask why?

papa smurf · 05-03-2021, 15:35

Quote:

Originally Posted by Hugh

Can I ask why?

Are you sure you can handle the answer?

**Hugh** · 05-03-2021, 15:40

Quote:

Originally Posted by papa smurf

Are you sure you can handle the answer?

How will I know, unless I see it?

It’s a risk I’m willing to take - "Danger" isn’t my middle name...

**Paul** · 05-03-2021, 15:49

Quote:

Originally Posted by papa smurf

Are you sure you can handle the answer?

Thats enough of the your nonsense.

I'm also curious why anyone would purposely disable contactless.

heero_yuy · 05-03-2021, 16:23

Quote:

Originally Posted by Paul

I'm also curious why anyone would purposely disable contactless.

Given that Faraday cage wallets are available so you can control when the card is accessible.

Taf · 05-03-2021, 16:47

Quote:

Originally Posted by Hugh

Can I ask why?

I have 2 friends who had to jump through hoops for months to get back payments that were taken without their knowledge. Both were asked to enter the PIN in shops before they had done any shopping.

Calls to the card companies revealed that several transactions had taken place in the local area earlier that day, using contactless payments.

I don't trust contactless at all.