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.
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.
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.
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.
“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.
“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
A long-standing Italian restaurant in Trafford has sadly announced its imminent closure
Danny Jones
Another day, another bit of unfortunate hospitality news, as long-standing Greater Manchester restaurant, Little Italy in Timperley, has announced it is closing permanently very soon.
The Trafford favourite, which has been serving locals for nearly 20 years, has informed regular diners that it will sadly be closing its doors for good, with Little Italy’s final service set for later this month.
Having earned plenty of praise in its time, including being one of the few spots in and around the Altrincham area to have won a TripAdvisor Certificate of Excellence in 2015, before the borough saw its foodie boom begin.
But fast forward a decade, and the Timperley institution is yet another culinary casualty to be confirmed of late, with Little Italy sharing a tear-jerking statement online.
Sharing the tragic news on social media this Friday (5 Sep), the restaurant wrote: “To all our lovely customers, it is with a heavy heart that we share some news with you all. After over 18 years of serving you all in Timperley, we will be closing our doors later this month.
“This has not been an easy decision. Unfortunately, rising costs and a significant increase in rental [costs] have made it impossible to continue in a sustainable way. As much as we love what we do, the reality is that it has become too difficult to maintain under these circumstances.
“Over the coming weeks, we will continue to cook with love and serve with the same passion as always. We would love to see you all and share one more meal, and raise a glass together.”
Safe to say that the post has been met with an outpouring of condolences and support from natives nearby and those who have travelled to enjoy their food.
Little Italy went on to add that they will detail more about their final week of business as soon as possible.
They can’t be accused of not keeping up with times and not trying to promote via social media either, as they small family-run team – headed up by Sam Cauchi, who bought the site back in 2008 – have always given things a go besides the day-to-day operation of the restaurant.
Being one of many saddened customers to respond underneath the announcement, we couldn’t possibly sum up things better than local Vanessa Nice, who said: “Look at all these amazing comments – you certainly made your mark as a home from home for the residents of Timperley.
“The end of an era will always be sad, but sometimes life and families have to move on.”
As for Cauchi and co., they signed off by simply adding: “From the bottom of our hearts, thank you for your support, kindness and friendship over the years. Timperley has been our home, and you have all been our family.
“Love from all the team at Little Italy.”
It goes without saying that we’re gutted for the gang and our thoughts are with everyone involved at this difficult time. For now, we can only say thank you to the countless Greater Manchester locations that continue to fall foul in the face of the rising pressures industry-wide. Case and point…
The bizarre explanation behind Manchester’s new mini ‘green space’ – that’s completely closed off
Danny Jones
One thing you always hear people who live in central Manchester calling out for is green space, but when a new patch of grass does arrive, you don’t exactly expect it to be completely inaccessible.
Just a quick FYI to those of you passionate about supporting what little nature there is left in our city centre: brace yourselves, as this one is rather annoying…
For anyone who’s walked down Whitworth Street West past the once lively Locks, or even got off at Deansgate–Castlefield tram stop and come down the glass stairs closest to the Albion Bridge, you may have noticed a rogue patch of grass surrounded by black fencing next to the City Road Inn pub.
It could be considered a nice little lawn were it not completely fenced off, but the question is, why has it popped up there? Well, local lad Curtis Rothwell has recently debunked the whole frustrating mess for us in a helpful video.
Yes, as explained by the Pre-Construction Manager who works for local utilities contractor Zenit Infrastructure Solutions Limited, the somewhat laughable but disheartening gated green space on Whitworth Street is essentially a feeble attempt at adhering to permission laws.
As detailed by Rothwell, the plot bought for a sizeable sum last year (only the original developers didn’t have the funding to actually pull off their initial plans) is now set to become student accommodation.
Currently, real estate firm Tri7 – which has now been fully folded into the parent group known as Fusion, as previous part-owners already – still has a hold on the land for now.
However, after being ordered by Manchester City Council to tidy up the area in the meantime, as they await planning permission to be fully approved, they decided to lay these new rolls of turf there.
Ok, so while the notion of the Council ordering a property company to make urban spaces look pretty and the idea of introducing more grassy zones into the city sound good on paper, as you can see, the real-life result doesn’t quite match up.
Not only does this feel like a bare minimum effort to appease the local authorities ahead of erecting yet another skyscraper, but more importantly, it feels like sheer nonchalant neglect and/or plain dismissal of those Manc residents crying out for more grass, nature and a break from the concrete jungle.
The fact that the rare green space is totally blocked by tall, almost authoritarian-feeling fences and sealed off by a big, black gate comes across like a casual two fingers to both the Council and those living in the city centre.
Speaking to The Manc, Curt commented: “It’s positive the council can take charge of how our empty spaces look after demolitions. In this case, maybe the demolition was carried out too early, which happens, but when it does, greenery is the best look they can give to local people.”
You can see the latest update on the planning permission HERE, and for now, if you’re looking for green spaces in Manchester, you’ll find them more frequently beyond the outskirts and heading into the boroughs; this one is strictly off limits. Find a whole bunch of ones that aren’t down below:
The Manc -
15th October 2021 
