I work at a food retailer and we accept contactless payments. I've noticed that our card machines still display the Contactless and Apple Pay symbols when a bill is above the limit for contactless payments.
Presumably this means that the card machine will still read a contactless card; what will happen if a bill is above the advertised limit for contactless payments (currently £30 in the U.K)?
I've asked and apparently nobody has ever attempted to pay with contactless above the limit in our branch, and as a result nobody seems to know what happens (management do not seem to know either).
Some things I can think of that could possibly happen:
- The advertised limit is a 'soft' limit- anything above will go through but is not protected by the bank's/payment provider's anti-fraud policies;
- The card machine immediately rejects the payment;
- The card machine refuses to read the card although the 'contactless' symbol is displayed;
- Payment is attempted, but the bank declines the transaction
What will actually happen?