Shoppers across the UK will now be able to pay up to £100 using contactless card payment services from today.
At the start of the COVID-19 pandemic, the payment cap was increased to £45 to help reduce the need for customers to handle cards and cash due to concerns about the virus being transmitted via surfaces.
But today’s payment limit increase to £100, announced last week, is the most significant yet.
The latest increase, which was initially announced in March’s budget, will not be available everywhere straight away however, as some businesses and retailers still need to roll out changes to their technology, while others may choose not to adopt the new limit at all.
The British Retail Consortium said consumers should check with individual stores, as it could take “days, weeks or even months” for the change to be put in place.
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Here’s everything we know so far.
Why is the limit increasing?
As mentioned, the decision to increase the limit was taken by the Treasury and the City regulator, the Financial Conduct Authority (FCA), and was announced last week, but Chancellor Rishi Sunak first teased it during his 2021 Budget back in March.
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Mr Sunak said the decision to increase the limit to £100 would not only be more convenient for shoppers, but it would also be a boost to the High Street following several lockdowns.
When contactless card payments were introduced in 2007, the transaction limit was set at £10 and designed as an alternative to small change – but the limit has been gradually raised five times over a number of years since then.
It increased to £45 last year, as the pandemic accelerated a move away from cash.
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The increase also comes after it was found that more than a quarter of all payments in the UK were contactless in 2020, according to figures from the banking trade body UK Finance, with 83% of people using the technology.
A Financial Conduct Authority spokesperson said the rules have been changed to help the industry continue “to respond to the changing ways in which people prefer to pay”.
Shoppers across the UK will now be able to pay up to £100 using contactless card payment services from today / Credit: Flickr
Why can’t it be used in all retailers just yet?
The short answer is that not every shop is ready to facilitate the new limit from today,
Due to the huge number of terminals which need to be updated, this means that Friday marks the first day of a gradual introduction of the new limit, with the Andrew Cregan – Payments Policy Adviser at the British Retail Consortium – admitting: “It may take days, weeks, or even months for some retailers to make the necessary changes in their systems so that the new limit can take effect.”
“Some retailers may [also] choose not to adopt the new contactless limit,” he added.
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“As a result, customers will need to take care when making payments to check what the maximum contactless limit is for individual stores.”
The increase also comes after it was found that more than a quarter of all payments in the UK were contactless in 2020 / Credit: Wikimedia Commons
What are the risks?
A number of experts and organisations have spoken out to make shoppers aware of the risks as the limit increases to £100, warning that the change will make contactless cards more of a target for fraudsters, or cause problems for people who are struggling to stay in control of their spending.
Age UK has also warned that because the raising of the limit could increase the potential for fraud, it may therefore put some older people off using bank cards to pay for goods and services when they’re out and about.
Because of this, several banks across the UK have said they will also allow account holders to set a contactless limit of less than £100, or even turn it off altogether.
Gareth Shaw – Head of Which? Money – added: “While paying with contactless offers great flexibility and convenience for many people, some may be wary about the significant increase – so it is encouraging to see some banks allowing customers to set their own contactless limits from as low as £30.
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“These changes may make contactless cards slightly more attractive for fraudsters, but encouragingly the risk of being defrauded via a contactless card remains low and if a fraudster does use your card details then your card provider should reimburse you.
“Consumers should be able to feel confident using them.”
Featured Image – Flickr
News
Beloved plant-based independent street food business Herbivorous is set to close imminently
Danny Jones
We hate writing this, but we have news of yet another local hospitality closure as beloved Manchester-born and pioneering plant-based brand Herbivorous has confirmed they’ll soon be calling it a day.
If you can hear us sighing through the screen, apologies – we’re just getting really fed up of saying farewell to our favourites, so god knows how rubbish those involved feel.
As you can see, the team behind the multi-location vegan street food specialists began by writing: “It’s a long one so stay with me… It seems you can’t open social media at the moment without reading about another hospitality business closing down.
“Throughout 8 years of Herbivorous years we’ve come up against many challenges from Covid 5 years ago to watching all the big vegan brands from London and beyond come to Manchester and largely disappear again to the closure of Hatch our busiest site, but with continually increasing costs its becoming really difficult to maintain a thriving business.”
Herbivorous started out life back in 2016 as a cult hit at the old outdoor food, drink and entertainment hub centring around a ‘container village’, the first of its kind in the city and soon to reopen under new owners and a new name.
Since then, co-founders Robyn and Damian have gone on to expand not just to one permanent site over in Withington but with outposts in Sheffield and York, having gained a strong reputation with stalls and pop-ups all over.
Their hospitality story might not have the ending we personally would hope for, but it’s been a brilliant one for so many foodie fans – us lot included.
Nevertheless, they go on to add in the emotional statement that external pressures such as a recent bereavement and their own ever-growing family have also contributed to the decision which, despite being an understandably hard one, “feel like the right time.”
“We are so incredibly proud of how far we’ve come from spending long days slinging duck wraps from our green vintage horse box at festivals to three Herbi locations across the North of England”, they continue, “and with that we’ve also met so many fantastic people!”
“Whether you worked for us at a few festivals over [the] summer or for years at our restaurant, we just wanted to say and massive thank you! The memories will stay with us forever and, of course, how can we not mention our fabulous customers!
“Thank you all so much for choosing Herbivorous over the years. Those of you who had our food at Festivals and then found us at one of our permanent locations, those of you who came back week after week to Hatch, Spark, Withington and beyond.”
They signed off by detailing their final business days, with their Sheffield Kommune spot having already shut for refurbishment; meanwhile, their spot in SPARK York will be wrapping up on Saturday, 19 April.
As for their flagship brick-and-mortar venue here in Greater Manchester, Herbivorous Withington will be shutting on Friday, 25 April.
Once again, there’s nothing we can say other than thank you for years of delicious food, that we’re guttted to see you go, and that everyone at The Manc Group wishes you the best whatever comes next.
AJ Tracey is playing a VERY intimate gig in Manchester next month
Thomas Melia
London rapper and respected grime artist AJ Tracey is ‘live and direct’ once again, announcing a whole host of UK dates, one of which is a rather intimate gig right here in Manchester.
It’s official: one of UK rap’s leading gents is getting back on the road and he’s showing a ‘Little More Love’ to lots of cities, including Manchester.
In a post on the UK star’s socials, AJ Tracey trades his music persona for that of a sports pundit as he announces the dates for his upcoming tour while impersonating an F1 commentator.
Anyone looking to attend Tracey’s ‘Not Even A Tour’ can catch the star up and down the country on his over 20-date tour with a stop in Manchester as soon as this month.
The rapper has reached phenomenal heights since dropping the unforgettable ‘Ladbroke Grove’ in 2019 and is heading out across the nation to make sure everyone knows about it.
Get ready to spit bars left and right as this rapper’s discography is stacked with serious tunes like ‘Dinner Guest’, ‘West Ten’, ‘Thiago Silva’ and more.
More recently, he collaborated with Walsall’s finest Jorja Smith for a flirty garage beat also known as ‘Crush’ with the video being the two artists talking it out in a good old fashioned caff.
The latest collaboration with Smith marks the start of a new era for Mr. Live and direct as it fell in line with the announcement of his third studio album.
Titled Don’t Die Before You’re Dead, we’re sure he’ll be “building a vibe” wherever he goes and probably previewing a few exclusive tracks from his upcoming project too.
This gig may come as quite a surprise for any hardcore fans of the ‘Ladbroke Grove’ star as the venue in which he’s performing is definitely intimate only, holding just over 250 guests.
This rap giant is bringing his unbelievable beats to none other than the legendary small-cap city centre live music venue, The Deaf Institute, at the end of this month.
It’s safe to say you won’t get many more chances, if any, to see him in such a tight-knit space again.
AJ Tracey is bringing ‘Not Even A Tour’ to Deaf Institute in Manchester on 30 April, with tickets on sale Friday 4 April from 12 noon.
The Manc -
15th October 2021 
