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
Travel warning issued as Manchester braces for busiest day of the year so far
Daisy Jackson
A ‘plan ahead’ travel warning has been issued for this weekend as the Manchester Marathon brings the busiest day of the year so far on the tram network.
Tens of thousands of people will hit the streets to take part in the race itself, with thousands more cheering them on from the sidelines.
This year’s Manchester Marathon route takes 36,000 runners through Sale, Stretford and Timperley before finishing up at a new finish line on Oxford Road – and there’ll be some big changes to your usual travel routes to accommodate this.
TfGM has said that Bee Network trams will be very busy before, during and after the 26.2 mile race, especially in Manchester and Trafford, with a number of road closures in place too.
Taking place on Sunday 27 April, the Manchester Marathon will coincide with Manchester’s popular St George’s Day parade which starts and ends across town around Oldham Road and Great Ancoats Street.
People are being encouraged to plan their journeys carefully this weekend, as it’s expected to be the busiest day of the year on the Bee Network trams.
The Manchester Marathon last year set a new personal best for the tram network, with 175,000 tram journeys racked up – the highest ever recorded on a single Sunday.
Trams will be the best choice to get around the Manchester Marathon course with key stops along the route including Sale, Timperley and Chorlton.
Many road closures will also be in place but at different times of day, so make sure you check HERE for the latest.
This will impact bus services, which will be on diversion from 8am until the end of service on Sunday, with traffic and congestion expected on surrounding roads.
Runners heading to the start line will only be able to access the athletes’ village from Old Trafford and Trafford Bar tram stops up until 9am. Participants arriving after 9am should get off at Wharfside or Exchange Quay instead.
Metrolink is promising to deploy as many double trams as possible across the network, with additional services between Piccadilly and Timperley.
As for other modes of transport, those who wish to drive should make us of Park and Ride facilities where possible; and those on the train should note that Salford Central remains closed with bus replacements in place.
Danny Vaughan, Chief Network Director at TfGM said: “The Manchester Marathon is a highlight of the Manchester city centre calendar and our job is to make sure everyone can get to and from the event as smoothly as possible.
“We want everyone to have a great day – whether they are taking on the run themselves or cheering on a friend or loved one – and would urge people to plan their journey in advance, leave plenty of time and check the Bee Network app or website for the most up-to-date information.
“The start and finish lines will be especially busy so if you are coming to watch you may be better off catching the tram to Sale, Timperley or Chorlton, grabbing a coffee and claiming afront row seat to cheer runners on.
“Using public transport is the best way to avoid congestion and delays – and with Tap and Go contactless payments it’s never been easier or more seamless to get around Greater Manchester by bus and tram.”
Passengers can now travel seamlessly between bus and tram and pay for their journey by tapping on when boarding a bus without the need for a ticket, making it the quickest and easiest way to pay for travel.
People travelling on Bee Network buses on Marathon Day can simply tap in and pay £5 for the day on as many buses as they need and just £4.90 on the tram. You can use all Bee Network buses as much as you want all day from just £5.40*.
Kirsty Wilde, Operations Director, from Manchester Marathon organisers A.S.O. UK, said: “The TfGM tram service is an invaluable part of our event, which allows thousands of participants and supporters to navigate around the city. With a record-breaking 36,000 participants set to take part on Sunday 27th April – and more exciting activities taking place over the weekend as a whole – we’re anticipating a rise in tram journeys, which will subsequently bring economic benefits to local vendors, the hospitality sector, and retail businesses.
“We’d like to thank Transport for Greater Manchester for its continued hard work helping to facilitate what will be the largest event yet, and would also like to say a big thank you to the residents and businesses across Greater Manchester for their understanding and support.”
The viral factory in Oldham that sells £2 Colin the Caterpillar cakes
Thomas Melia
A factory in Oldham has gone viral online after sweet fiends discover they sell ‘Colin the Caterpillar’ cakes for less than half price.
There are some things that just go hand in hand: a brew and a biscuit, peanut butter and jelly and Brits and their crazy obsession with a character chocolate cake from M&S called Colin the Caterpillar.
Since hitting the shelves in 1990, more than 15 million Colin the Caterpillars have made their way from supermarket shop floor to our sweet-treat-awaiting plates.
Who would’ve ever guessed that the home to this cheeky chappy, who M&S have made their unofficial mascot (after Percy Pig, of course), has been crafted and created right here in Oldham?
The utterly delicious Colin the Caterpillar cake which you can get for £2 at Park Cakes.The shelves at Park Cakes are stacked with Colins and Connies.Credit: The Manc Eats
Established in 1937, The Park Cake Bakeries – or just Park Cakes, colloquially – has been serving up this critter-inspired cake for over 30 years, and savvy shoppers have flocked to their factory shop to get their hands on some very sweet savings.
There’s a whole range of cakes on offer at this Oldham dessert factory shop, including slabs, sponges, loaves and even sweet pies too.
Whether you’re a firm believer that the birthday person deserves all of Colin’s white-choc face or you precisely cut it up so everyone gets some, Park Cakes has the solution, selling bags of the character’s chocolatey face so you can have one all to yourself.
The cake isn’t the only thing that leaves a sweet taste in your mouth, as the prices will too. Colin the Caterpillar, who normally retails for just under a tenner, is sold for around £2 at this Oldham factory shop.
It’s always the ones that look unassuming, isn’t it?
Alongside producing one of the most adored cakes in the UK, they’re also responsible for lots more of your favourite supermarket sweet treats, and we’re definitely not complaining.
You can let your sweet tooth go wild in this factory shop as they sell everything from rainbow birthday cakes to sticky toffee puddings.
There’s so much on offer too, how about a giant bag packed to the brim with misshapen golden flapjacks that’ll last you over a week and cost you less than a fiver? Sounds like a plan to me.
If you haven’t had enough of your Easter chocolate fix, why not trek over to Oldham and stock up on even more chocolate and sweet treats? Trust us, there’s plenty to choose from.
Park Cakes factory shop can be found on Ashton Road in Oldham and is open from 10am-4pm, so go and grab yourself a seriously sweet deal before everyone else beats you to it.
Mini Colins, small in size but still packed with all that chocolatey goodness.Flapjacks and cookie dough bites are just some of the wonderful treats you might be able to get hold of.Credit: The Manc
The Manc -
15th October 2021 
