This is a UX problem. Most places here have $100 limits to minimize fraud fallout. But the interfaces still offer tap-to-pay regardless, which feels like something software should fix. (Just don’t present the tap-to-pay prompt when over the vendor limit).https://twitter.com/pasquires/status/1111672103059841024 …
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Replying to @reneritchie
How does that minimize fraud? That’s never made sense to me.
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Replying to @DanVPeterson
If you drop your card, someone picks it up and starts tapping with it, they can’t buy like TVs and cars and stuff :)
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Replying to @reneritchie @DanVPeterson
Folks, this is precisely why Apple Pay and one-time use of NFC based PANs are profound. Beyond just an open NFC tap or an EMV PIN, Apple Pay reduces a multitude of fraud profiles. From Touch/Face ID to new SiriAI internal differential privacy based use profiles = less fraud.
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Replying to @BrianRoemmele @DanVPeterson
American Express gets it. No limit on Apple Pay. Why I’ve defaulted to them now.
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Replying to @reneritchie @BrianRoemmele
I don’t believe we have that limit in the US. At least I’ve made many large purchases with it with my MasterCard without any issues.
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Dan, this is based on the card issuer. American Express has the Blue Card that had NFC chips for about 12 years and has not limited retail NFC. Some of the early Blink cards for Chase started the trend of $30 limits and that carried over to some Vida and MasterCard issuers.
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