Just seen an advert for Barclaycard Visa and the contactless technology now employed by them and other card providers.

Has anyone got one of these contactless cards, and have you experienced any issues such as paying cash, but the funds have still been deducted off the card?

I for one, don't trust this technology and am fearing the 'forced introduction' of the technology into our lifestyles.

I fear the system is open to a catalogue of errors and duplicate payments from more than one contactless card, heavy misuse and also FRAUD.

I believe the contactless technology system employed in these cards is inherently insecure.

It's not just cards that are at risk, but also the NFC (Near Field Communication) technology employed by mobile phone companies in newer handset models.

What are YOUR views on this topic??

I personally don't like it due to the ease of fraud.

Using NFC you can get the name, long number & expiry from a card - that is enough to order something from Amazon! The bank says well its just whats on the front of the card so whats your problem.. they also say its Amazons fault for not requiring the 3 digits on the back of the card. IMO they need to mandate companies like Amazon to require the 3 digits if they want to use this tech.

You can always request a standard card instead.

You can't pay twice either. Paying cash disables the card machine, inserting a card traditionally disables the nfc unit.

A friend was issued with one of these as an automatic replacement of an expiring card. She was very aware of the risk and, although it was some serious hassle, she did manage to get the bank to provide a non-contactless card instead.

In the early part of the last century people thought that cars wouldn't catch on. Now look where we are.

Embrace the tech.

You can always request a standard card instead.

You can't pay twice either. Paying cash disables the card machine, inserting a card traditionally disables the nfc unit.

It was on BBC's Watchdog a few weeks age, and if you have TWO contactless cards in your purse of wallet, and you use one of the cards....it can also take a duplicate payment off the other card so you've paid twice,

Naah argh not me. :no:

I saw a woman in M&S, who hadn't bought anything, paying for someone elses shopping whilst going through a 'till lane' to get out. Her bag did actually brush the machine. Her fault?

No it's the flaw in the technology.

This is EXACTLY what I mean by inherently insecure.

You will only know you have paid twice, or paid for someone else's shopping once your bank statement is received.

So the M&S woman must have known at the time that there was a problem?

Now what do the London bods think about their Oyster Cards? Would they really prefer to step back in time to the 'old' way of paying?

...So the M&S woman must have known at the time that there was a problem?...

The guy on the till realised what had happened and called her back.

It was on BBC's Watchdog a few weeks age, and if you have TWO contactless cards in your purse of wallet, and you use one of the cards....it can also take a duplicate payment off the other card so you've paid twice,

Naah argh not me. :no:

That wasn't entirely what they focused on or meant.

It was people using oyster cards, swiping their wallet on the reader. The reader may not select the oyster card, and instead select a debit or credit card as all oyster readers now accept payment cards. So people have paid to top up their oyster cards and paid again via their other cards.

A little of the usual watchdog twisting of the facts

You cannot pay twice. Once a card is being processed the payment focuses on that card until payment is made or fails. Once made, it can't be made again. It's in the standards for nfc and payment systems.

And from something I read a while back, these foil wallets to block nfc can actually act like an aerial and amplify them.

I wonder where the liabilities and burden of proof lie with these cards?

One of the big sellers of chip and pin, to the banks, was that there was a transference of liability from the bank to the customer. So a greater burden on the customer that they hadn't allowed the card to be misused.

The risk from these cards is low right now but that might well change as the sophistication of the attacked increases.

I have one, didn't ask for it, have never used it. I think it should be an op-in service. If I can be bothered I might try to find out how to nobble the antenna in the card. A quick chop with a hole punch in the right place should do it.

I have one, didn't ask for it, have never used it. I think it should be an op-in service. If I can be bothered I might try to find out how to nobble the antenna in the card. A quick chop with a hole punch in the right place should do it.

The contactless logo appeared on our recently issued debit cards.... while I have no intention of using it conciously, as it's new shiny tech, I should at least give it a test drive at the earliest opportunity.

The local KFC has it enabled on all their card readers, so I tried it.....and tried it......I swiped the wallet first on every surface of the reader. I then simply placed it on every available surface. Then repeated the process with the card directly.......my tasy chicken treats where going cold and the line behind me growing.....

I gave up and reverted to chip & pin.

I can't see it replacing chip & pin, larger purchases being the fly in the contactless ointment.....

IMO they need to mandate companies like Amazon to require the 3 digits if they want to use this tech.

Amazon wouldn't be allowed to store the CVV code, which would mean things like One-Click, etc. wouldn't be as convenient. They will be paying a higher transaction rate to their acquirer for not performing this check on payments and the higher risk of fraud that presents, but the flip side of this is that if you are defrauded by someone via Amazon then there will be little/no dispute in getting refunded.

It was on BBC's Watchdog a few weeks age, and if you have TWO contactless cards in your purse of wallet, and you use one of the cards....it can also take a duplicate payment off the other card so you've paid twice

I don't see how that'd work - the device will only connect to one card at a time, and if the payment's successful you won't be able to pay it again. The stories I've heard of this relate to "user error", in that the shop assistant hasn't realised the transaction has gone through contactless and so has initiated a second payment using chip'n'pin.

I saw a woman in M&S, who hadn't bought anything, paying for someone elses shopping whilst going through a 'till lane' to get out. Her bag did actually brush the machine. Her fault?

You need to have your card within about 7cm of the device for there to be a chance of it being detected - without seeing the layout of the tills it's hard to say whether the card devices are positioned sensibly, or whether the woman in question was doing something wrong.

I wonder where the liabilities and burden of proof lie with these cards?

The liabilities are purposefully low due to the limits on the amounts you can pay, and the number of times you can pay them without needing to verify with chip'n'pin - so your bank should reimburse you without argument.

Works a treat. You cant double pay as people have said, plus any kind of fraud is covered by your bank. It will randomly ask for you pin and there is a limit of £30 I think.

Only slight annoyance for me is that my debit card confused the ETM on the bus when I sign on, was going to put some tin foil infront of the sign on card but after reading about the wallets maybe that wouldnt work.

Most annoying thing I've found is that you don't get a receipt for contactless payment.

...You need to have your card within about 7cm of the device for there to be a chance of it being detected - without seeing the layout of the tills it's hard to say whether the card devices are positioned sensibly, or whether the woman in question was doing something wrong...

Her bag brushed the reader as she went through the 'till lane' to get out so the card may well have been within 7cm. She didn't realise this could happen as her card provider had described the facility as 'tap and pay' or 'tap and go'. She was just doing what she had always done to get out.

Can you not ask for one?

Most annoying thing I've found is that you don't get a receipt for contactless payment.

You should be able to get a receipt for contactless payments, but you might need to ask for it.

Her bag brushed the reader as she went through the 'till lane' to get out so the card may well have been within 7cm. She didn't realise this could happen as her card provider had described the facility as 'tap and pay' or 'tap and go'. She was just doing what she had always done to get out.

Like I say without knowing the layout of the tills it's hard to comment - the terminal she brushed past would have needed to be expecting a card payment at that time, in which case there would have been someone stood very close to it ready to make a payment. From that I'd speculate that either the readers were badly positioned, or she's got very little respect for other people's personal space...

By not accepting ccv, Amazon will be liable for any fraud.

I guess it's such a low amount they take the risk

I couldn't use mine easily in KFC either???

I was bashing f **k out of the reader with my wallet.

I was the first customer to pay that way at my yokel branch of KFC.

They were all looking at me funny, I guess people still pay for things

with bales of hay around here. Although at least my yokel branch still

puts bacon on their food unlike the muslim friendly london branches I

used to frequent back home. But that's a whole other thread.

Although at least my yokel branch still

puts bacon on their food unlike the muslim friendly london branches I

used to frequent back home. But that's a whole other thread.

Conversely, when I ask for the bacon-free versions of products - and that's a valid version on the Menu!!! - I still end up with the bacon-adorned version........

You're more likely to get a piece of unicorn than bacon in the Tottenham

branch. Try there.

...Like I say without knowing the layout of the tills it's hard to comment - the terminal she brushed past would have needed to be expecting a card payment at that time, in which case there would have been someone stood very close to it ready to make a payment. From that I'd speculate that either the readers were badly positioned, or she's got very little respect for other people's personal space...

It is a poor layout. There is a wide lane at end of the row of tills but it's also used for disabled customers. When a disabled customer is there, the only way to get out is to 'squeeze past' the customer using one of the other 'till lanes'.

My point is that it's been like that since the store layout was 'improved' five years ago. The woman was just doing what she (and everyone else) had always done.

The woman whose shopping it was, was just about to pay cash. That's why the guy on the till realised immediately. A supervisor was called but everyone got fed up waiting and the woman whose shopping it was paid the cash to the woman whose card it was :( 

My phone has NFC built in and I have an app which uses it, so I spent a few minutes checking all our bank cards. It picks up the chip in my passport.

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