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
Two Trafford towns are set to see dozens of new EV charging points installed imminently
Danny Jones
Two big towns on the border of Greater Manchester and Cheshire are set to see a fresh batch of electric vehicle (EV) charging points installed throughout their streets by Trafford Council very soon.
Local authorities have teamed up with engineering and infrastructure company Amey to roll out a series of new EV charging stations across Trafford, starting with Altrincham and Hale.
Dating all the way back to 2020, the collaboration with Transport for Greater Manchester (TfGM), the brand was tasked with helping improve sustainable travel across the area as the government body’s electric vehicle charging suppliers.
Steady improvements have been made across the 10 boroughs, but this particular update marks one of the biggest network upgrades that the likes of Alty and Hale have seen for some time.
Good news – we are thrilled to announce the installation of our first public EV charge points in collaboration with @TraffordCouncil.
Issuing a statement on Wednesday, 17 September, the firm – which specialises in managing, designing and maintaining complex facilities and transport infrastructure across the country – announced that they will “start the installation of EV charging points in Trafford in the coming weeks.”
It is expected that “up to 100 new public charges” will be integrated throughout the respective town centres and residential streets as the suburbs continues to push towards its sustainability goals.
As per Altrincham Today, Amey account director Anna Gornall said: “We’re excited to launch our first EV charge points in Trafford, working in partnership with Trafford Council (TC) to make electric vehicle charging more accessible to local communities.
“As the UK’s leading provider of energy transition and decarbonisation solutions, we’re well placed to use our existing expertise and resources to support TC in delivering a holistic public EV charging network for local communities.
“We’re helping residents make the switch, so everyone can plug in and power a greener Trafford.”
The country at large has various carbon-free initiatives, including the aspiration of achieving net-zero emissions by 2050; the electoral ward of Trafford itself continues to thrive in this field, having recently won environmental accolades, including 12 ‘Green Flag Awards’ this past July.
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Peter Anderson, Managing Director of Transport Infrastructure at Amey, commented: “This is a pivotal moment in Amey’s energy transition strategy. By leveraging our extensive experience in whole lifecycle asset management, strong partnerships, and innovative solutions, we can deliver value for both our clients and members of the public who will use Amey’s electric vehicle charge points.
“Working with Trafford Council, we are making electric vehicle charging more accessible to local communities and helping residents make the switch to EVs.
“Amey is well-positioned to support emerging opportunities within this landscape, and we are delighted to be working with Trafford and other local authorities to provide the public EV infrastructure needed to achieve the government’s transition to net zero.”
As for Trafford Council, Corporate Director of Place, Richard Roe, went on to add: “We are delighted to be working with Amey on this project to bring more and better charging options to the people of Trafford.
“This is an extension to the current EV charging options in the borough and is great news for committed EV owners and those who are thinking about going electric.”
Featured Images — Publicity pictures (via Amey Ltd)
News
Further disruption expected as more bus strikes announced across Greater Manchester
Emily Sergeant
Further disruption is expected as even more bus strikes have been announced across Greater Manchester this autumn.
It comes after the strikes set to place this month from 19 to 22 September were announced a couple of weeks back, and now a second round will take place towards the end of this month and going into early October.
In case this is the first you’re hearing of the upcoming industrial action, 2,000 workers who are employed by Stagecoach, Metroline Manchester, and First Bus Rochdale – all of which are firms among those that make up the bus part of the Bee Network – are due to walk out in a co-ordinated strike amid an ongoing pay dispute.
Unite the Union says all the firms are ‘highly profitable’ and it’s therefore ‘disappointing’ that workers are being denied a fair wage.
More strikes have been announced on the Bee Network this month / Credit: TfGM
At Stagecoach, around 1,000 drivers based across the Oldham, Stockport, and Middleton depots have rejected a pay offer of 3.5%, and 1,000 Metroline Manchester members will also do the same after turning down an ‘unsatisfactory’ below-inflation pay offer.
Workers at both Metroline and Stagecoach believe the offer doesn’t address years of low pay they’ve recieved, especially given the ongoing cost of living crisis.
Then, over at First Bus Rochdale, 110 members have rejected this year’s pay offer of 6%, as they feel this does not go far enough to address the fact they’ve had years of being paid less than their counterparts at other companies, and are still the lowest paid in the region.
Stagecoach, Metroline, and First Bus Rochdale, part of First Group PLC, are all firms which have seen a rise in profits in recent years.
2,000 drivers are set to stage strike action over two different periods / Credit: TfGM
The second round of strikes will now take place from from 30 September to 2 October.
Speaking ahead of both sets of upcoming strikes, Unite General Secretary, Sharon Graham, said: “These companies are very profitable but are putting greed over their hardworking members of staff.
“Further strike action will be extremely disruptive, however this is a dispute entirely of the bus companies’ making and they could solve it easily by coming back with a better deal.
“Our members involved in the dispute have Unite’s complete support.”
Unite Regional Officer, Colin Hayden, added: “The strikes this week as well as the further action we have called will cause travel chaos in Greater Manchester. However, it is entirely the fault of the employers involved, who have failed to address the issue of low pay and reward their staff accordingly.
The Manc -
15th October 2021 
