For me it’s that 75%+ of my contactless payments trigger an “insert card and enter PIN” check, which defeats its purpose. Presumably because my bank has become super cautious or their fraud detection is managed by a clanker.
I never have a problem with the same transactions using my phone.
Honestly, I’d prefer to use my card, rather than gift transaction data to my phone manufacturer.
There was a recent change in the last month or three that any tap transaction over $100 has to be chip or swipe. Likely what you are seeing. Which again goes back to how pointless phone tapping is when the ability to buy goods and services is already rife with hoop-jumping.
For me it’s that 75%+ of my contactless payments trigger an “insert card and enter PIN” check, which defeats its purpose. Presumably because my bank has become super cautious or their fraud detection is managed by a clanker.
I never have a problem with the same transactions using my phone.
Honestly, I’d prefer to use my card, rather than gift transaction data to my phone manufacturer.
There was a recent change in the last month or three that any tap transaction over $100 has to be chip or swipe. Likely what you are seeing. Which again goes back to how pointless phone tapping is when the ability to buy goods and services is already rife with hoop-jumping.
Not in my case. Been happening for a year or more, and for as little as £3 (bus ride, etc).