Dribfunk
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222
I have to do this with my Huawei P20 Pro - I’m on facial recognition and fingerprint unlock yet still, every 2 or 3 weeks, I wake up and before going anywhere, have to enter my 6 digit pin.
It’s no real biggie and at least there’s security implementation at some point over and above the regular usage.
I can imagine if it’s too often for payments I’ll get frustrated, but that said, I’d rather be frustrated than have bundles of my hard earned cash go flying out of my account. That said, I wish I had bundles of cash to go flying out of my account. I guess it’ll teach me for not working hard…
Does anybody know how SCA will work in situations where a Chip & Pin reader isn’t available, such as on public transport? Are these transactions exempt from SCA?
How friggin stupid. Typical UK clinging onto out-dated technology and solutions. I don’t carry any cards. Everything is contactless in my phone, it’s damn secure, and it’s the only thing I carry. So now, with this change, I could be at a checkout and be refused to pay contactless !!?? And I would be unable to pay because all my cards are safely locked away at home, possibly 100s of miles away !? Have I got this right ?
Which drongoes thought this was a good way forward !!??
It’s interesting to me that online PIN hasn’t been adopted in the UK, thus the need for actual insertions, old school style like when contactless was offline. This could easily be the death of contactless cards in the UK, which to be honest is probably the goal
P.S. if anyone doubts me on killing contactless cards being the goal - why not? I find it odd that the US, always behind, is finally introducing contactless cards. I figured US banks would just skip it. They have little point anymore, as the only reason for the card is if you’re at a shop that doesn’t take contactless (since you’d use your phone if they did). To me, this (not SCA itself, that’s a law, but rather the UK not adopting online PIN) feels like a way to encourage people still using their card to stop using it and switch to their phone.
I like using Apple Pay, and not taking my bank card with me, now I’m going to have to carry my bank card in case they ask me to use it and put the pin in
Yes I found that in a document dated 2016, though I also swear I’ve had online PIN with contactless in the UK. I can’t remember if it was MasterCard tho it’s been ages.
Also that message hints at the same thing I’m thinking… Not allowing online PIN means SCA is a chance to make contactless cards so frustrating to use that people might quit using them.
There may be a small crossover market where people who were previously scared on contactless may now start using it (because being checked fequently willy give them more confidence), but it would certainly put me right off using my card. Luckily for me, I already use Google Pay for everything I can nowadays.
Is there any chance a warning could pop up in the Monzo app asking you to use your pin on the next transaction and avoiding delays at the next payment?