[LINK] refusing contactless cards

[Harry McNally]

Hm.

Sorry Craig and I think my ANZ adviser has been misled or has out of date 
information. Rodger is right and my answers today from the branch are 
inconclusive at best.

The young teller didn't know about PayWave and had to ring the card services 
people anyway. When he did he wasn't able to articulate the issue of RFID 
access vs transactions on the card so, when he moved up to a superior in card 
services they wanted to get the message across that if I confirmed an amount 
with the merchant before I waved the card then that meant my transaction was 
bonafide in some way. I'm still confused by this reasoning and of course I 
don't really care because I've no use or interest in PayWaving.

The teller explained from their records indicate that I had PayWave on my ANZ 
corporate card but it has no standard RFID markings so I -think- he is wrong. 
I cannot change that card for an RFID-free version if it does.

However, on my -personal- card, when I received a new card in future with the 
PayWave markings I can ring and they will "disable the feature" but I get to 
keep the same card with PayWave on it. So you can see the issue of card 
reading wasn't really understood by the teller or the card superior either.

I'm not sure even business customers are going to get reliable answers at the 
retail banking level.

What I'd really like to know is if there are any legal impediments if a card 
holder wants to disable the RFID feature themselves; which would be an 
interesting technical exercise anyway.

Sorry for the noise Linkers. I'll relurk and get my facts right in future.

Harry

On 02/08/13 13:45, Roger Clarke wrote:
> At 13:32 +0800 2/8/13, Harry McNally wrote:
> ...
> [Valuable and lucid analysis]
> ...
>
> Re one specific aspect only:
>> ... my ANZ business advisor ...  explained that I can opt out of
>> PayWave by filling in a form at my branch
>> and that a new card would be issued. After some convivial discussion I asked
>> if that also applied to my personal cards and it does. I'll drop in to the
>> branch and check that today. I exchanged a MasterCard with them last year for
>> a non-PayPass one so neither of my ANZ cards presently have RFID.
>>
>> So there appear to be options Craig. I'll check and let you know about ANZ.
>> I'd be interested to know if Bendigo will issue non-RFID cards too.
>
> My strong impression is that (at least the majors) will not issue a
> Visa/MasterCard other than with PayWave/PayPass installed and enabled.
>
> I happened to be in a Bendigo branch recently, and enquired.
>
> They said that the only way to avoid PayWave/PayPass is to use an ATM card.
>
> So I'll be very interested in the information that people can get from:
> -   CPS
> -   ANZ
> -   Bendigo
>