Strong Customer Authentication: Using Chip and PIN more often when making contactless payments

We will be implementing a £100 online, £30 offline unauthenticated contactless limit in line with the legal requirement to not authorise more than £135 total between instances of strong customer authentication. There is no special exemption in the law from SCA for offline authorised transactions.

We expect most people (who do the majority of their payments by card, and not by using a mobile wallet) to have to enter their PIN at a terminal no more than once in the average week.

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