5 min read.

Why has my contactless payment declined?

1 November 2019

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.

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