Customers can now make contactless payments of up to £100, safely and securely
Contactless limit increase
If you have a Barclaycard or one of our card readers, you don’t need to do anything
We have automatically rolled out the update on our card readers
The decision to raise the limit on 15 October 2021 was taken following consultation with the retail sector and the Banking and Finance industry. It follows the successful increase from £30 to £45 in April 2020, and is designed to make it even easier for consumers to make payments.
If you have a card reader or terminal from Barclaycard
The software on card payment machines has been updated to accept the £100 limit. The software began rolling out on October 15 2021, but with hundreds of thousands of terminals in the UK, the updating process will happen gradually.
If a purchase costs more than £45 and your card reader has not yet been updated to accept £100 transactions, then contactless card payments will not be an available option.
If you have your own equipment or third party device
You'll need to contact your point of sale provider to make these changes on your behalf.
The £100 limit is designed to balance security, convenience and consumer demand.
It aims to provide consumers with an element of choice, depending on their understanding, circumstances and needs.
A customer may wish to pay using contactless for amounts exceeding £45, or they can opt to pay using Chip and PIN, or use a mobile wallet such as Apple Pay, Samsung Pay or Google Pay to authenticate the transaction.
Lifting the contactless limit to £100 could generate the following benefits...
For the customer:
• provides more flexibility in payment choice, encompassing low to mid-value payments
• provides additional convenience by covering important sectors such as clothes shopping, petrol, meals out and transit
• potential increases in customer footfall in busy sectors and times
• clothing – covers average basket size for a larger number of retailers
• petrol – covers ATV, and helps with hygiene at pump
• transit – expands base for Contactless Transit Model 2 (pay as you go), including average expected Crossrail fares, and Project Oval (Brighton to north of London)
• charity – allows for larger donations as events restart
This change only applies to the UK, Northern Ireland and Channel Islands.
The £100 limit should be adopted. The new limit will help you provide an improved and consistent consumer experience regardless of where customers make purchases.
The fraud liability shift remains in place for the £100 limit, and there's no further risk to you accepting the higher contactless value.
No, cardholders can still choose to use Chip and PIN.