Since the beginning of the corona pandemic, more and more retailers have introduced contactless payments.
You can find out here why you have to enter your PIN for small amounts too.
Since the beginning of the
corona pandemic *
, more and more supermarkets have introduced contactless payment methods.
In principle,
contactless payment is
possible with any card that contains an NFC chip.
In some cases, the PIN must be entered even for small amounts.
Munich - Due to the Corona crisis, more and more people are using
contactless payment methods
at the supermarket
checkout
.
The payment method is already an integral part of
supermarkets
in other European countries
.
In this country, the
contactless payment process
causes
confusion at one point or another.
Many customers are increasingly annoyed that they have to enter their PIN even for small amounts.
Here's why this is so.
Aldi, Rewe and CO: Contactless payment is very popular
To avoid direct contact between customers and cashiers and thus the
risk of infection *
to reduce, more and more supermarkets like
Aldi *
,
Rewe *
or
Edeka
Contactless payment introduced.
This payment method has also been very popular with many customers, because fewer and fewer customers are paying their purchase amount in
cash.
In a representative survey, 79 percent of respondents said they would prefer to pay with a card, smartphone or smartwatch.
In spring 2020, the limit for
contactless payments
without entering a PIN was increased from 25 euros to 50 euros.
Anyone who previously wanted to pay an amount of 25.01 euros using the contactless payment method had to sign or enter their PIN at the checkout when paying.
The limit was raised because the
contactless payment method was
selected
for every second card payment at the beginning of 2020
.
Basically, the limit was introduced in order to keep the damage in the event of theft as limited as possible.
Contactless payment at Aldi and Co: PIN entry required after certain transactions
The so-called PSD2 directive regulates the process of
contactless payment transactions
in Germany
.
Accordingly, customers have to enter the PIN for security reasons after several successive transactions and after an upper limit has been reached.
How high the upper limit is and how often you can pay without entering your PIN depends on the
bank
.
As a rule, most financial institutions set an upper limit of 150 euros and a maximum of five transactions.
Therefore, you may have to enter your PIN for small amounts.
With services such as Apple Pay, Samsung Pay, Paypack Pay or Google Pay, you can completely dispense with entering your PIN.
To use these services, you need a
smartwatch
or
smartphone
with an
NFC function
.
Near-field communication enables wireless data transmission between two elements.
With this payment method, you no longer need to enter your PIN, as security authentication is already carried out on the end device, for example using a fingerprint.
(
phf
)
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