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Android Pay to Rival Apple Pay in the UK Next Month |
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#401 |
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Join Date: Sep 2003
Location: Sandy Heath, Beds. UK
Posts: 10,378
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I know it's been said before, but can you imagine the fuss that would have been made if it were iPhones catching fire...
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#402 |
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Join Date: May 2010
Posts: 11,493
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Quote:
that's certainly the message that phone/OS manufacturers want you to take away. I wonder if its partly due to the fact that America hasn't yet embraced contactless cards.
Personally, I think the additional 'security' of tokenisation/fingerprints etc is a feature that's simply not needed. It's all very well the bank underwriting any contactless payment theft but you cannot blame them for using protection which is easily available and of no inconvenience to the user. If you think the additional checking isn't necessary, I assume you would be happy to underwrite any loss yourself? |
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#403 |
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Join Date: Jul 2007
Posts: 3,986
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Quote:
Zero times. And as it stands, I never will.
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#404 |
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Forum Member
Join Date: Oct 2004
Location: Buckingham
Posts: 28,544
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I can read and comprehend and have a career background in banking IT.
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#405 |
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Join Date: Mar 2001
Location: North West
Posts: 4,884
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Just for the sake of clarity all banks in the UK have agreed to underwrite contactless payments via card or phone. In the event your card or phone is stolen and someone decides to do several transactions you, when you notify your bank it will be refunded back into your account immediately.
If you are still concerned about contactless cards speak to your bank who'll issue a chip and pin only card. I work in the banking industry and this is coming up a lot. Retails also get a discount on their card processing fees if they persuade customers to do a contactless payment. |
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#406 |
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Forum Member
Join Date: Oct 2004
Location: Buckingham
Posts: 28,544
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Quote:
If you are still concerned about contactless cards speak to your bank who'll issue a chip and pin only card
How do banks play it if they suspect a customer is fraudulently claiming fraudulent contactless transactions? |
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#407 |
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Join Date: Jul 2002
Location: a land filled with trolls
Posts: 12,014
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Quote:
I did.
How do banks play it if they suspect a customer is fraudulently claiming fraudulent contactless transactions? |
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#408 |
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Join Date: Mar 2011
Location: Hertfordshire
Posts: 2,937
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Quote:
How do banks play it if they suspect a customer is fraudulently claiming fraudulent contactless transactions?
A fraudulent contactless transaction cannot therefore be performed solely with information that may have been skimmed from a contactless card which in turn means that, in the real world, the card / phone has to actually be in the hands of an unauthorised user for a fraudulent transaction to occur. With that in mind, I'm sure it's already standard practice for banks to involve the police if they suspect foul play on the part of a card holder. |
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#409 |
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Join Date: Jan 2011
Location: Dundee, Scotland
Posts: 9,292
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Quote:
I know it's been said before, but can you imagine the fuss that would have been made if it were iPhones catching fire...
Although iphones have indeed caught fire and caused injuries. |
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#410 |
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Forum Member
Join Date: Oct 2004
Location: Buckingham
Posts: 28,544
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Quote:
in the real world, the card / phone has to actually be in the hands of an unauthorised user for a fraudulent transaction to occur
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#411 |
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Forum Member
Join Date: Oct 2004
Location: Buckingham
Posts: 28,544
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Quote:
I expect they are not going to reveal that, but if you've got a background in the field then you presumably know the answer?
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#412 |
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Join Date: Jan 2010
Posts: 9,209
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Not read the whole thread, but I presume Barclaycard are sticking with their own app?? Android pay won't let me add it.
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#413 |
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Join Date: May 2010
Posts: 11,493
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Quote:
I know it creates the possibility for an innocent customer to be falsely accused of fraud.
I dread to think how you cope with using cash. |
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#414 |
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Join Date: Apr 2002
Location: Wapping, London
Posts: 16,222
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Quote:
Not read the whole thread, but I presume Barclaycard are sticking with their own app?? Android pay won't let me add it.
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#415 |
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Forum Member
Join Date: Jan 2010
Posts: 9,209
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Quote:
Pretty much. It does the same thing as Android Pay, on the same devices but they keep control over it.
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#416 |
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Forum Member
Join Date: Jun 2016
Posts: 399
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Maybe Barclaycard will roll out Android Pay eventually.
It took them many months to thrash out a deal with Apple so who knows? |
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#417 |
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Forum Member
Join Date: Apr 2002
Location: Wapping, London
Posts: 16,222
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Quote:
Maybe Barclaycard will roll out Android Pay eventually.
It took them many months to thrash out a deal with Apple so who knows? There's simply no incentive for Barclays to add Android pay, and, tbh, very little incentive for their customers to ask for it anymore. The only thing I can see we're missing out on is the Android pay rewards programme, which looks to be empty right now. https://www.android.com/intl/en_uk/pay/rewards/ |
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#418 |
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Forum Member
Join Date: Jul 2004
Posts: 1,376
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I have to say, having used Apple Pay for the first time that if 99% of places accepted it, I would ask my bank for chip and pin cards only and probably carry all my cards less often. I like the security of the fingerprint. I don't like the idea that if someone pinched my Santander debit card they could go on a spree. I know we are protected from that but do you really want the hassle of going through all that?
I think it would be good if Google in some way made it optional to have a scan for all transactions if your phone supported it. Wouldn't that be fairly simple? If you had a phone with a scanner, you can just turn that on and you are protected. |
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#419 |
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Forum Member
Join Date: Jul 2002
Location: a land filled with trolls
Posts: 12,014
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If someone grabs a physical contactless card, there's only so much they can spend before having to enter a PIN.
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#420 |
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Forum Member
Join Date: Apr 2002
Location: Wapping, London
Posts: 16,222
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and really how would someone significantly benefit from stealing a contactless card?
stock up on lattes and sandwiches before its cancelled?
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#421 |
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Forum Member
Join Date: Jan 2011
Location: Dundee, Scotland
Posts: 9,292
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RBS, Santander and NatWest have been added to android pay today
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#422 |
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Forum Member
Join Date: Jul 2004
Posts: 1,376
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I guess there is a daily limit for contactless? Not being funny but £30 goes a bit further down here than in London ie. more than a coffee so if you do steal a card, head this way!. Anyway, that's not the point. I have used my Santander Debit card hundreds of times without having to enter a pin. But I suppose if I used it 5 times in a day I might be asked? Is that how it works?
Whatever, I still think the fingerprint is the way forward. As I said, if Apple Pay was in most places, I would ask for chip and pin cards again. |
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#423 |
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Forum Member
Join Date: Jan 2002
Posts: 634
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Quote:
I guess there is a daily limit for contactless? Not being funny but £30 goes a bit further down here than in London ie. more than a coffee so if you do steal a card, head this way!
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#424 |
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Forum Member
Join Date: Oct 2004
Location: Buckingham
Posts: 28,544
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Never had a paid for cup of coffee that tasted anywhere near as good as the ones I makes for myself and put in a Thermos travel mug to avoid the cafe-bought muck.
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#425 |
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Forum Member
Join Date: Jul 2004
Posts: 1,376
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Quote:
I regard a flat white costing less than twenty quid as the equivalent of having a chipped mug of Nescafe thrown in your face...
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