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
You can stay in an aircraft, old school bus, or even a helicopter at this glamping pod near Manchester
Thomas Melia
There’s a glamping retreat near Manchester offering extraordinary stays in an aircraft, helicopter, old school bus and more.
Over in Blackpool at Manor House Glamping, there is a range of static vehicles that you can have an overnight stay or two in, and according to the pictures on its website, there’s even a resident emu.
You can stay in various modes of transport, such as an aircraft, an iconic yellow school bus, a campervan or a military green truck.
Each has its own perks ranging from a hot tub, outdoor bath, fire pit, sandpit and more. Whatever type of getaway or retreat you’re looking for, you’ll find everything you need right here.
The most eye-catching of the company’s stays is certainly the aircraft, which has kept its original cockpit features, although it’s safe to say the interior has definitely had a makeover.
There’s no such thing as a bad in-flight experience with this guest house, as you can get cocktails delivered to the cockpit after taking a dip in your own personal hot tub – not too shabby, eh?
With the bright and unmissable yellow school bus, there are plenty of decorations that help continue this theme in the form of various American road signs, one of which acts as your headboard for the night.
If you’re after a more toned-down chance to unwind, you can step into a pale-white camper van with cosy cushions and a snug haystack-turned-sofa adorned with some gorgeous blankets.
And if you’re looking at going all out, then your Manor House Glamping accommodation of choice has to be the chopper, which was once used by the Royal Navy.
Worried this option might be a tad nippy? Fear not, because this helicopter is fully kitted out to suit your glamping needs with two fluffy-lined cushions on each seat of this vintage heli.
Anyone who experiences cabin fever, fear not, because all the aircraft and vehicles are static and aren’t planning on making a long-haul journey anytime soon, you’ll still be able to keep your feet firmly on the ground.
Manor House Glamping has a variety of vehicle-themed guest houses, both old and new, for you to stay in overnight and if you’re interested or after any further information.
If you fancy staying within the boundaries of Greater Manchester but still fancy getting the feel for a cockpit, though, there’s a very fun day out over at Barton’s City Airport.
More than 100 ‘unsafe’ counterfeit Labubus seized in Oldham
Daisy Jackson
More than 100 counterfeit Labubus and accessories have been seized in Oldham, the council has announced.
The Labubu dolls – a plush collectible with giant smiles and bunny ears – have been seized because they are fake, and unsafe.
The haul of 104 Labubus has been given a street value of between £800 and £1000 – but if they were the real deal, they’d be worth more than three times as much.
The poorly-made figures were being sold for a fraction of the price of a real Labubu, which are manufactured by Chinese company Pop Mart (it’s set to open its second Manchester store in the Trafford Centre next week).
Oldham Council’s Trading Standards team said it seized the counterfeit Labubus from local businesses and found that they were unsafe and poorly made.
Officers raised concerns about the safety of the dolls, which had small parts such as eyes, hands and feet broke off easily, creating a choking hazard.
What a genuine Labubu should look like. Credit: The Hoot Leeds
They were also missing legally required safety marks such as the CE or UKCA labels, and lacked the name and address of a UK supplier, which is another legal requirement.
Councillor Elaine Taylor, Oldham Council’s Cabinet Member for Housing and Licensing, said: “Oldham Trading Standards carries out regular checks to help keep unsafe products off the shelves. In this case, these counterfeit toys failed safety standards and have now been removed from sale.
“We know it can be tempting to buy toys that look like a bargain, but parents need to be extra careful. Fake toys like these may be cheaper, but they can put children in real danger if they’re not made to strict safety standards.
“If anyone has concerns about toys they’ve purchased, or if they see unsafe products on sale locally, we’d encourage them to get in touch with Trading Standards through the Consumer Helpline on 0808 223 1133.”
The Manc -
15th October 2021 
