Disabling tap-to-pay on bank cards - why FNB doesn't let you

[backstreetboy]

What in the world does it have to do with the price of eggs.

This is fruitless.

 

[RedViking]

This is fruitless.

I think so. You need a good cup of coffee with some fruity flavours.

 

[backstreetboy]

I think so. You need a good cup of coffee with some fruity flavours.

Touche.

 

[supersunbird]

To authenticate an online purchase I only have to log in to my banking app and press Yes. No need to key in some random pin.

So no PIN that stays the same? (which is what you said happens). And thus nothing to do with remembering a card PIN? (what was your point there then)

Oh, and I have been with Capitec since 2008 noob .

 

[Pak Fa Fui]

SauronZA summoned Backstreetboy to carry on with his rhetoric

 

[fiddle_sticks]

Bigger concern for me is someone stealing your phone at gun/ knife point and requesting your banking app log in details. Now they have access to bank account and can auth transactions. Who carry’s the risk here? You or the bank? Let’s say they change withdrawal limits etc.

 

[backstreetboy]

So no PIN that stays the same? (which is what you said happens). And thus nothing to do with remembering a card PIN? (what was your point there then)

Oh, and I have been with Capitec since 2008 noob .

You can make both the same.

 

[supersunbird]

You can make both the same.

There is no online shopping pin (remember, you were going on about pins 3D secure), you said so yourself and I know so, so there is no PIN to make the same. Did you start drinking heavily again?

Mine stays the same every time. You should move to a proper bank.

To authenticate an online purchase I only have to log in to my banking app and press Yes. No need to key in some random pin.

 

[SauRoNZA]

Not me, i bank with Std so there's always lots of ATM's around. I was talking about the people banking with Capitec and judging by the queues, they're too poor to pay the fee, which is not helped when there's an ATM ratio of 1:5 compared to other banks.

That’s pretty funny actually because I can’t remember when last I’ve seen a Standard Bank ATM.

Certainly less than Capitec ones.

 

[SauRoNZA]

I didn't even know there was a risk to tap to pay, if there is even a real risk. I haven't used my bank card in a few weeks, loaded the card onto my watch and now it stays in the car, I don't even carry my wallet anymore.

There isn’t.

 

[SauRoNZA]

Worst is when you want to just tap, but they force you to insert.

That's not right.

I see what you did there.

 

[SauRoNZA]

No, not remembering my pin because I haven't used it in such a long time is what kills me.

Too true.

I have no bloody idea what it is trying to think about it now.

But generally I rely on muscle memory for numbers.

 

[RedViking]

But generally I rely on muscle memory for numbers.

Exactly!

 

[SauRoNZA]

Bigger concern for me is someone stealing your phone at gun/ knife point and requesting your banking app log in details. Now they have access to bank account and can auth transactions. Who carry’s the risk here? You or the bank? Let’s say they change withdrawal limits etc.

Joke’s on them.

I have no idea what my banking password is.

 

[K3NS31]

Bit of useful info for the few of you who are genuinely worried about this. If you keep 2 NFC enabled cards in your wallet (I'm sure you have several), the card readers / skimmers can't differentiate between them and will fail to read. (You can test this on legit devices too - it's just a limitation of the tech. )

This should even work with your old, expired card as a secondary.

 

[Pak Fa Fui]

Bit of useful info for the few of you who are genuinely worried about this. If you keep 2 NFC enabled cards in your wallet (I'm sure you have several), the card readers / skimmers can't differentiate between them and will fail to read. (You can test this on legit devices too - it's just a limitation of the tech. )

This should even work with your old, expired card as a secondary.

I have 3, will that also work?
2 work access cards and bank card.

 

[Craig_]

I have 3, will that also work?
2 work access cards and bank card.

I also have 3, nice to know.

 

[K3NS31]

I have 3, will that also work?
2 work access cards and bank card.

As far as I know as long as you have at least 2 it "confuses" the reader as it can't differentiate between the signals. You can probably test it by holding all 3 together and try to tap them on your phone and see if they pick up. I've done that with 2 and my phone gave an error. (you need an NFC app obviously. And a non-iPhone)

 

[Pak Fa Fui]

As far as I know as long as you have at least 2 it "confuses" the reader as it can't differentiate between the signals. You can probably test it by holding all 3 together and try to tap them on your phone and see if they pick up. I've done that with 2 and my phone gave an error. (you need an NFC app obviously. And a non-iPhone)

So why does the work access card still work with bank card next to it

 

[neoprema]

i fear this thread derailed from comparing banking to, well.. what rhymes...