The thing I don't understand is why in the UK if the payment is over the limit I then need to insert my card, whereas in Germany I can just tap in my PIN after reading the card with contactless. It's a small thing, but I get caught out every time I go home to visit family or friends. - ThreadSky

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jackaidley.bsky.social • 141 days ago

The thing I don't understand is why in the UK if the payment is over the limit I then need to insert my card, whereas in Germany I can just tap in my PIN after reading the card with contactless. It's a small thing, but I get caught out every time I go home to visit family or friends.

Comments

themainey.bsky.social•141 days ago

I wish it would just send a notification to my bank app to approve over £100. That way I only have to touch my device and not the chip and pin machine - I’d hate to shine a UV lamp on them 😅

scragar.bsky.social•141 days ago

For efficiency it might even be cool to have an option to tell your bank you're planning to make a large purchase in the next 5 minutes rather than needing to wait for the purchase to show up on the phone.
That way you can do it in the queue and save a few more seconds.

warptubes.bsky.social•141 days ago

Yeah I’ve experienced this on a handful of European trips. Couldn’t recall exactly which countries and it didn’t seem consistently applied, but seemed efficient when it did.

thingswelike.org•141 days ago

Is it more secure to demand a physical chip? Otherwise it's just nfc which can be spoofed? Not sure.

jackaidley.bsky.social•141 days ago

As I understand it the data communicated is the same in both cases, I guess NFC is easier to spoof but its quite possible to clone the chip on a card too.

But most card fraud is online rather than in-person anyway so I doubt it makes that much difference?

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