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
Johnny Marr denies Morrissey’s claims about obtaining ‘100%’ of The Smiths trademark
Danny Jones
Johnny Marr has come out to deny the claims made by former bandmate Morrissey that he now controls “100%” of the rights to The Smiths trademark and intellectual property.
In case you missed it, earlier this week Morrissey came out with a statement detailing how Marr had recently obtained “100% trademark rights/intellectual property” and can now tour without him.
Fans were already enjoying drumming up suggestions for singers who could take the iconic frontman’s place on stage but don’t get too carried away, as the former lead guitarist has already come out to refute the allegations.
As per a lengthy statement on his social media accounts, Marr not only rubbishes the rumours that any temporary singer or plans to tour are on the cards but explains that ownership of The Smiths right is still shared with Morrissey – he just simply hasn’t signed a document yet.
A spokesperson for Marr writes: “In 2018, following an attempt by a third party to use the Smiths’ name – and upon discovery that the trademark was not owned by the band – Marr reached out to Morrissey, via his representatives, to work together in protecting the Smiths’ name.
“A failure to respond led Marr to register the trademark himself. It was subsequently agreed with Morrissey’s lawyers that this trademark was held for the mutual benefit of Morrissey and Marr.
As a gesture of goodwill, in January 2024, Marr signed an assignment of joint ownership to Morrissey. Execution of this document still requires Morrissey to sign.”
Responding personally via his representation, the 60-year-old added: “To prevent third parties from profiting from the band’s name, it was left to me to protect the legacy. This I have done on behalf of both myself and my former bandmates.”
He also cleared up more claims made by Morrissey, who said the pair had both been met with a potential and ‘lucrative’ deal to tour together as The Smiths once again, to which Marr has now clarified: “I didn’t ignore the offer; I said no.” At the risk of pointing out the obvious by the way…
hate to break it to Morrissey but Marr has been doing this for years already https://t.co/FL6cGGTZO4
So no, while it might have been registered by Marr and his team, he doesn’t own all of the rights to The Smiths; in actuality, it looks as though the Manchester music legend took steps to make sure that both he and Morrissey maintained shared ownership.
Presuming this response clears up all the speculation surrounding the trademark, the 65-year-old could seemingly have avoided all of this by simply giving his signature and completing the document.
Put it this way, if you were somehow holding out hope for an Oasis AND a Smiths reunion, we wouldn’t hold our breaths…
Sarah Harding commemorative plaque to be unveiled at special fundraising event in Stockport next month
Emily Sergeant
A special fundraising event to celebrate the life and legacy of Sarah Harding is being held in her hometown of Stockport next month.
The late singer – who was one fifth of one of the UK’s most successful girlbands, Girls Aloud, before she sadly lost her life to breast cancer at just 39-years-oldback in September 2021 – grew up in the Greater Manchester borough of Stockport, and attended high school and college there, as well as working several jobs, all before she auditioned for Pop Stars: The Rivals in 2002.
Greater Manchester was already a big part of Sarah’s life, but following her breast cancer diagnosis in 2020, it became even more important, as she was treated at The Christie hospital in Manchester.
Her final wish before she sadly passed was to find new ways of detecting breast cancer early when it is more treatable.
The BCAN-RAY (Breast Cancer Risk Assessment in Younger Women) study was then launched in her legacy, and is supported by Sarah’s family, friends, and Girls Aloud bandmates, as well as Dr Sacha Howell – who was Sarah’s consultant at The Christie.
A Sarah Harding commemorative plaque is being unveiled at special fundraising event in Stockport next month / Credit: The Christie (via Supplied)
But now, to go one step further in honouring Sarah’s life and music legacy, a special plaque will be unveiled on High Street, close to the Little Underbank in Stockport, next month, and the grand unveiling will be part of the new ‘Stockport Music Map Tour’, created and hosted by John Barratt, who is renowned for his work promoting Stockport’s rich musical heritage.
The tour will start at midday outside Thread Bar on Market Street, with an introduction by John, who’ll walk everyone to the site of the plaque – which will be located next to the Sarah Harding mural, created earlier this year by street artist Degsy on the side of the former Royal Oak on 11 High Street.
Then, following the plaque unveiling, John will conduct a Stockport Music Map walking tour around the sites of other commemorative plaques and significant locations that have played a pivotal role in Stockport’s vibrant music history.
Those on the tour will get to remember Sarah’s formative years in Stockport, before she went on to achieve global success with Girls Aloud.
Funds will be donated to both The Christie Charity and the Sarah Harding Breast Cancer Appeal / Credit: The Christie NHS Foundation Trust
A Girls Aloud-themed party will then take place after the tour at Thread Bar, as well as showing screenings of the band’s performances, and 20% of the bar’s takings on the day are to be donated to both The Christie Charity and the Sarah Harding Breast Cancer Appeal.
“Sarah was such a huge part of Stockport’s story, and her journey from here to the global stage is truly inspiring,” event organiser, John Barrett, commented.
“We’re honoured to celebrate her legacy while supporting The Christie Charity, and the Sarah Harding Breast Cancer Appeal. This event is all about fundraising for The Christie Charity, keeping Sarah Harding’s memory alive here in Stockport, and continuing her mission to promote early detection of breast cancer in young women.”
John is hoping that the event can be made into an annual occasion, if it proves to be successful this year.
The Sarah Harding Plaque Unveiling and Walking Tour will take place in Stockport on Sunday 6 October.
Tickets for the event are £15 each, which includes a Christie wristband and pin badge, the plaque unveiling, guided music tour, and entry to Thread for the party, and you can grab yourself some here.
Any further donations to The Sarah Harding Breast Cancer Appeal can be made here.
The Manc -
15th October 2021 
