Apple Pay’s long road to paying off is getting shorter

Re:Apple Pay’s long road to paying off is getting shorter by glogla on Tuesday April 25, 2023 @06:49AM (#35698708)

There is a transaction / amount limit for contactless transactions. Banks generally keep it secret for security - but it can be something like "transactions over x EUR need PIN and also ever fifth will need PIN".

It is pretty annoying because there are a lot of terminals that don't have the PIN keyboard, e.g. on vending machines. If you card decides it needs PIN, you are not buying, unless you can sidestep it using a phone.

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Re:Apple Pay’s long road to paying off is getting shorter by ghaff on Tuesday April 25, 2023 @07:35AM (#35699015)

>There is a transaction / amount limit for contactless transactions.

It doesn't seem to be universal though. I paid for multiple hotels in Europe (so hundreds of pounds/Euros) with contactless payments and--although I actually made a point of making sure my card had a PIN after a problem on my previous trip--I never needed it.

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Re:Apple Pay’s long road to paying off is getting shorter by robjan on Tuesday April 25, 2023 @08:11AM (#35699367)

Most (if not, all) banks will send the transaction to a risk management solution such as LexisNexis including a bunch of metadata. It then assigns a risk score and your bank will factor that in with their risk appetite when deciding whether to ask for your PIN.

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