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Comment by pwinnski | Hacker News Reader

That's one of the funny differences I've seen between UK and US. Contactless is ubiquitous in the UK, and less so in the US. But there is no £30 limit on contactless payments in the US. I've used tap-to-pay with Apple Pay to spend hundreds of dollars in a single purchase, no pin, no signature, no problem.

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A lot of people using contactless in the UK are using debit cards not credit cards which lack (here at least) the strong fraud protections that credit cards do - which is one of the reasons I put my new computer on my partners card then transferred the money to her bank to bank to settle it, so the £30 limit without pin acts as a brake on a stolen card giving the person who lost it time to report it as lost.

It used to be £15 but well inflation is a thing.

There is a list of possible restrictions (when the PIN is asked) which are different per countries. Source: https://support.apple.com/en-us/HT207435

These are different things. There's a £30 limit on Android/Apple payments, and contactless cards if the payment terminal only supports contactless. If they have a new enough terminal that also directly supports Apple/Android pay, there is no cap.

The £30 Apple Pay limit in the UK is becoming less of a thing. In major retailers that accept Apple Pay I have used my phone to pay for items into the hundreds of pounds without issue.

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