If a contactless payment has been declined, it could be because you haven’t used chip and PIN recently. In line with new regulations, we use Strong Customer Authentication (SCA) as a way of authenticating you as the user of the card on a more frequent basis. This means that you’ll need to enter your PIN when you’ve reached a cumulative contactless spend of £300. If you haven’t entered your PIN and you’ve reached this limit, your payment will decline. It’s easy to fix, though – just use chip and PIN and your payment will go through.