2023-10-11 15:15:34
“Sender refusal”. Contactless payment, sometimes it works, sometimes it doesn’t. And knowing why is a mystery almost as inviolable as the amount of Gérard Larcher’s future retirement. On the subject, opinions are as numerous as criticisms under a tweet from Sandrine Rousseau. So we, at 20 Minuteswe wanted to disentangle fact from fiction and try to find out if there was a logic behind these contactless payment refusals which appear to users to be completely random.
You have finally arrived at the end of the line to order and pay for your double long coffee macchiato cream of milk grilled onions and bam, it’s tragedy. Contactless is acting up. The merchant’s TPE squeaks and prints a shameful “issuer refusal” ticket. Behind you, the crowd stampedes as you try to remember your code. “Whyyy?” ”, you ask yourself. “I don’t know anything about it,” admits the waiter of a Lille pizzeria interviewed by 20 Minutes. “I think it’s the card chip that is wearing out or demagnetizing,” says one of his colleagues. Still in Lille, the manager of another restaurant is convinced that there is a limited number of consecutive transactions, without however knowing how many.
Limits with ceilings set by Europe
It is this last hypothesis that comes up most often among people who 20 Minutes questioned. On the phone, an advisor from a large bank, who prefers to remain anonymous, admits to being taken aback by the question: “As I remember, you have to dial your code after five contactless transactions,” she tries. before calling not on a friend, but on the official document of his company. Besides, it’s not in there, his memory is inaccurate, at least partially. “Payment by contactless card and without validation by confidential code is possible up to 50 euros per transaction”, explains to 20 Minutes Loys Moulin, director of development for CBthe economic interest group (EIG) which defines the operating methods of payment by CB card.
In addition to this, the expert adds that other limits are implemented, “either in terms of the number of successive contactless transactions, or in terms of the cumulative amount of successive contactless CB payments,” he specifies. In both cases, maximum ceilings have been set by European regulations at 5 successive transactions or 150 euros in cumulative amount. From there, each bank is free to play with these ceilings as long as they are not exceeded. Thus, the Machin bank will ask you for your code after three contactless payments while the Truc bank will force you to tap the precious numbers on the TPE if you have accumulated one hundred euros of contactless payments.
So, we are no further ahead if everyone can arrange their salad in their own way. The best solution is to ask your bank about the operating mode it has chosen. For her part, the advisor contacted by 20 Minutes finally found the information: “With us, it is a maximum cumulative amount, set at 150 euros for native cards and 80 euros for others,” she explains. The ball is in your camp.
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