[LINK] refusing contactless cards

Harry McNally harrymc at decisions-and-designs.com.au
Thu Aug 1 17:37:52 AEST 2013


Hello Karl (and Link)

On 01/08/13 13:46, Karl Schaffarczyk wrote:
> Craig,
> My local credit union (CPS) happily disabled the contactless functionality
> of their card when I requested it.
>
> Their solution was to set the authorised transaction limit to zero, which
> doesn't stop presentation of the card, but all transactions are declined.
> The chip and magstripe both work just fine.

I assumed (perhaps incorrectly) that the fast response of PayWave meant it was 
not authenticating the transaction in real time. So it's not clear to me how 
the transaction limit will prevent loss (or theft). If the transaction is 
later declined then the merchant has a loss.

> It might be worth asking Bendigo to make a similar adjustment.

This doesn't prevent RFID card skimming; the concern raised by Craig.

Harry



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