READ MORE 38 councils in England bringing in double council tax from April – full list<\/a><\/p>\n“But it\u2019s important to balance convenience with security. Contactless payments don’t require a PIN, which means they\u2019re easy to use, but that also means it\u2019s vital to manage your own settings carefully.”<\/p>\n
She explained: “Paying with your phone often includes biometric security (like fingerprint or face ID), adding an extra layer of protection for bigger spends.<\/p>\n
“Our research shows over one in three (35 percent) UK adults use Apple pay or Google pay for everyday spending.”<\/p>\n
Ms Morgan went on and said: “Many banks already reimburse unauthorised contactless transactions, but it\u2019s worth double-checking what\u2019s covered and how quickly you’d be refunded.”<\/p>\n
And she said: “Checking your transactions regularly, especially after shopping trips, this means you can spot anything unusual quickly.”<\/p>\n
Consumers would still get their money back if it was stolen by fraudsters, according to David Geale, executive director of payments and digital finance at the FCA.<\/p>\n
“Contactless is people’s favoured way to pay,” he said. Speaking on the BBC’s Today programme, Mr Geale said while the system works well, rigid limits could “slow things down”.<\/p>\n
“So what we want to do is give banks and payment firms greater flexibility to set their own approach to contactless payment, where they see low risk of fraud,” he said.<\/p>\n
Jana Mackintosh, managing director of payments and innovation at UK Finance, which represents banks, said: “Any changes made in the future will be done carefully and ensure strong security and fraud controls remain in place.”<\/p>\n
“But what we’re really encouraging is that they’ll open up that flexibility for customers to set their own limits,” Mr Geale added.<\/p>\n","protected":false},"excerpt":{"rendered":"Millions of people will be able to set their own contactless card payment limits or even have no…\n","protected":false},"author":2,"featured_media":211159,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[351,342,111,139,69,145],"class_list":{"0":"post-211158","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-mobile","8":"tag-apple","9":"tag-mobile","10":"tag-new-zealand","11":"tag-newzealand","12":"tag-nz","13":"tag-technology"},"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts\/211158","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/comments?post=211158"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts\/211158\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/media\/211159"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/media?parent=211158"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/categories?post=211158"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/tags?post=211158"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
![\"Warning](\"https:\/\/www.newsbeep.com\/nz\/wp-content\/uploads\/2026\/01\/0_apple-pay.jpg\")
Warning for Apple Pay and Google Pay users ahead of payment rule change<\/p>\n