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.
ADVERTISEMENT
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.
ADVERTISEMENT
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.
ADVERTISEMENT
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.
ADVERTISEMENT
“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.
ADVERTISEMENT
“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
No trams to run on three major Greater Manchester lines this Easter bank holiday weekend
Emily Sergeant
People are being urged to ‘plan ahead’ as no trams are set to run on three major Greater Manchester Metrolink lines this weekend.
As part of a continuing £150 million investment in the Metrolink network across the region, Transport for Greater Manchester (TfGM) has announced that more than 1km of track will be replaced on the Altrincham line, and work will also take place between Trafford Bar and Deansgate-Castlefield to prepare for full track replacement later in the year.
As a result, there will be no trams on the Altrincham, Eccles, and Trafford Park lines this Easter bank holiday weekend all day from Friday 3 to Monday 6 April.
On top of these line closures, there is also set to be disruption across other parts of the network too, as on the East Didsbury and Manchester Airport lines, trams will run to Firswood only, and services on the Rochdale line will terminate at Exchange Square.
To keep people moving over the four-day weekend, replacement buses will run between all the affected stops, TfGM has confirmed.
Anyone using a replacement bus, however, will still need a valid Metrolink ticket or a one-day Bee bus ticket to travel, and customers will be able to use all existing options to buy these, as they will not be able to buy a ticket or pay for the fare on the replacement buses themselves.
No trams will be running on three major Greater Manchester lines this Easter bank holiday weekend / Credit: TfGM
Replacement buses are said to be calling at ‘all affected stops’ along the lines, so customers are being told not to worry about that.
Speaking ahead of the improvement works being carried out this weekend, Ian Davies, who is the Network Director for Metrolink at TfGM, said: “The first main upgrades of the year get under way over the Easter weekend, as our £150m programme to improve our network continues.
“We’ll be doing everything we can to minimise disruption to passengers while we carry out this essential work to ensure our tram network remains reliable, resilient and safe for years to come.”
TfGM has assured that staff will be out and on-hand across the network this weekend, but is urging anyone travelling to plan for their journeys ahead of time to make sure they go as smoothly as possible.
Looking ahead to the rest of the month, no trams will run between Piccadilly Gardens and Ashton-under-Lyne on Saturday 11 and Sunday 12 April while the track is repaired, and a further weekend closure for track repairs on the Ashton line will take place on Saturday 25 April and Sunday 26 April.
Find out more and plan ahead on the Bee Network’s dedicated webpage here.
Featured Image – Janus Boye
News
Three men arrested after ‘shocking’ Salford pub fight leaves victim in life-threatening condition
Emily Sergeant
Three men have been arrested as police continue to appeal following a ‘shocking’ incident in Salford over the weekend.
Greater Manchester Police (GMP) explained that, at around 2:51am yesterday (Sunday 29 March), officers were called to reports of an assault at a pub on Liverpool Road in Irlam, where it’s understood that an incident involving several males took place.
Police quickly attended the scene, and one male was rushed to hospital.
The man sustained serious injuries and was taken to hospital for treatment, where he’s said to remain in a life-threatening condition.
While officers are working ‘at speed’ on their investigation to establish the full circumstances of this incident, a scene is currently in place, and road closures are affecting the immediate area.
At this time, it has been confirmed that three men – all in their 20s – have been arrested on suspicion of Section 18 assault, and they remain in custody for further questioning while GMP renews its public appeal for information.
“This is a shocking incident and our thoughts are firmly with the victim and his family during this extremely difficult time,” commented Detective Chief Inspector Helen Bagnall, from GMP’s Salford district. “We are working at pace and remain absolutely committed to identifying everyone involved and bringing those responsible to justice.
“Three arrests have been made in connection with this incident, and we are continuing to appeal for further information.
“Officers remain committed to understand the full circumstances and are urging anyone with information to come forward to support our investigation.”
Can you help? A dedicated online Major Incident Public Portal has been set up, and information, CCTV, dashcam, doorbell, and phone images and footage can be submitted here, or you can also contact police on 101, quoting log 256 of 29/03/26.
Alternatively, you can contact Crimestoppers, anonymously, on 0800 555 111.
The Manc -
15th October 2021 
