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
How to look after your cats and dogs this Bonfire Night
Thomas Melia
Bonfire Night may be a blessing for some families who can take advantage of the beautifully lit sky and incredible views, but for those who own cats or dogs, this isn’t necessarily the case.
When it comes to your furry friends then simply turning to their owners is usually the best point of call, but sometimes it’s still good to have a quick refresher on how to spot when your pet is in distress.
Luxury clothing retailer, Joules, is one of those leading research this year as they provide a list of tips and tricks on how to notice a change in your dog’s behaviour, soothe your cat’s stress and just generally make things more manageable for your four-legged companions.
72% of cat and dog owners see a change in their pets’ behaviour over this season, with 68% saying that they are frightened by the loud noises. With that in mind, here are some helpful tips on how to take care of your cats and dogs this Bonfire Night.
How to create a safe space for pets on Bonfire Night
Cover your windows where possible
Closing the curtains is always a good start; although this may not reduce the noise fully, it will help to block out the flashes from those pesky fireworks and even dial those big bangs down slightly.
In order to combat sudden light changes, dog owners are advised to keep their lights on, this way the animals are used to this setting and there are no drastic differences.
The simplest thing you can do is just make sure you’re there for your animals; much like us humans, they don’t like to deal with things on their own and sometimes it’s nice to have a helping hand by their side for reassurance – especially when that includes some always welcome petting.
It’s also good to keep their minds occupied by playing games and interactive activities with them to distract their cute little faces from all the madness outside.
Stay calm yourself
It might sound a little self-involved but it’s also important that alongside keeping your dogs and cats company and playing with them, make sure to keep calm yourself, much like your children and little ones you know, dogs are very reactive and can pick up on emotions easily.
As much as this information may be handy, you still know your pet best, so reacting to their behaviour and catering to their needs is definitely a must.
There are also some easy ways to spot something’s up…
Joules worked with animal behaviourist Kimberly Grundy to help develop these helpful Bonfire Night tips cats and dogs.They are one of many retailers that stock comforting cushions and blankets that are perfect for these occasions.
The best way to spot any changes in your dog or cat’s behaviour is to look for these nine surefire signs – if you spot them, they’re most likely feeling unsettled by the celebrations.
Whining or barking – this will include whimpering, crying, barking, and growling.
Clinginess – i.e. more than normal.
Excessive panting or drooling – can signal anxiety and distress instead of the usual excitement.
Hiding or trying to find a safe space
Trying to escape – make sure your doors and windows are locked and dog/cat flaps are covered.
Trembling and shaking – soothing strokes can still work wonders.
Pacing or restlessness – if you can get them to just sit with you that’s a step in the right direction.
Loss of appetite – but don’t try and force them to eat though, the goal is to help them relax.
Dilated pupils
Whether you’re cosying up to your cat or dog, or venturing out to a bonfire, make sure you stay safe this November and most importantly have fun!
You can find all the rest of the events happening for Guy Fawkes Night 2024 here:
Manchester to commemorate our armed forces with ceremony and parade this Remembrance Sunday
Emily Sergeant
Manchester is set to fall silent and remember the fallen during this year’s annual Remembrance Sunday commemorations.
Just as it does each year, Manchester City Council has now revealed the details of how the city will mark Remembrance Sunday this weekend, and has confirmed that the annual Remembrance Sunday Parade will set off at 10:25am from John Dalton Street.
Civic dignitaries, servicemen and women, service and ex-service organisations, faith leaders, emergency services, and other uniformed organisations, have all been invited to lay traditional poppy wreaths and pay their respects at the Cenotaph in St. Peter’s Square, along with members of the public.
Proceedings will start at 10:25am, and run through until midday.
Plans to mark Remembrance Sunday in Manchester have been announced / Credit: David Dixon (via Geograph)
Veterans and military personnel will march from John Dalton Street to the Cenotaph, where a service will be held at 11am, along with a two-minute silence, all before a short march to Peter Street across St Peter’s Square then takes place to close out the commemorations.
The two-minute silence will be observed at 11am, and the start and finish of this silence marked by the firing of a maroon.
In order for necessary security checks and safeguards to be carried out, Manchester City Council has confirmed that a series of road closures will be implemented on Sunday 10 November between 7am and 1pm.
The following road closures will be in place:
John Dalton Street (Deansgate to Cross Street)
Princess Street (Cross Street to Portland Street) with a ‘hard closure’ at Back George Street
Cross Street (Princess Street to King Street)
Peter Street (Deansgate to Oxford Street) with a ‘hard closure’ at Watson street and Hale Street
Mount Street (Windmill Street to Albert Square)
Museum Street (Windmill Street to Peter Street)
Southmill Street (Windmill Street to Albert Square)
Bootle Street (Deansgate to Mount Street)
Lloyd Street (Deansgate to Southmill)
Jackson Row (Deansgate to Southmill)
Central Street (Southmill to Mount Street)
Cooper Street (Kennedy to Princess Street)
West Mosely Street (Booth Street to princess Street)
Bow Lane (Clarence Street to Princess Street)
St James’s Square (South King Street to John Dalton Street)
Ridgefield (Mulberry Street to John Dalton Street)
All the road closures for the ceremony have been confirmed too / Credit: Manchester City Council
As well as road closures, there will also be a number of parking restrictions set to apply on the day too.
It has been confirmed that all parking bays – including accessible parking bays – will be suspended from 8pm on Saturday 9 November, right through to 2pm on Sunday 10 November.
The roads where parking restrictions will apply are:
Lloyd Street (Deansgate to Southmill Street)
Jackson Row (Deansgate to Southmill Street)
Bootle Street (Deansgate to Mount Street)
Mount Street (Windmill Street to Albert Square)
Museum Street (Windmill Street to Peter Street)
Southmill Street (Windmill Street to Albert Square)
Peter Street (Deansgate to Oxford Street)
Oxford Street (Peter Street to Chepstow)
Princess Street (Albert Square to Portland Street)
John Dalton Street (Deansgate to Albert Square)
Ridgefield Street (John Dalton Street to South King Street)
Central Street (Southmill Street to Mount Street)
St James’ Square (South King Street to John Dalton)
Windmill Street (Mount Street to Watson Street)
Cross Street (Princess Street to King Street)
Cooper Street (Kennedy to Princess Street)
West Mosely Street (Booth Street to Princess Street)
Bow Lane (Clarence Street to Princess Street)
When it comes to other forms of public transport, Transport for Greater Manchester (TfGM) has confirmed that no trams will run through St Peter’s Square between 10am and 12:30pm on Sunday 10 November.
The Manc -
15th October 2021 
