There are a number of ways of paying for goods and services in shops, on line or by post. These include:
- Debit Card
- Direct Debit
- Credit Card
- Standing order
- Pre Paid Cards
- Internet or Telephone Banking
For more information and advice on payment methods available please visit Pay Your Way (Payments Council).
Paying by Card
If you are using a debit or credit card to pay for items you will need to remember and use a four digit ‘PIN number’. You insert your card into an electronic keypad, check the amount you are paying and then input your PIN to pay.
Contactless cards are now available. This means you can simpy present your contactless payment card at a till and hold your card over an electronic reader to pay for your items. You do not need to use a PIN number or sign your signature. You can pay contactlessly for goods under £30 and use your card to do so up to 3 times a day. This is to help protect you from fraud. You should always keep a hold of your contactless card when paying for items and remember to check the amount you are paying.
Chip and signature cards can be provided to anyone who has difficulty entering their PIN – this may be due to dexterity issues, visual impairment, memory problems or mobility issues that make it hard to use a PIN terminal. You can request a Chip and Signature card from your bank.
How does a chip and signature card work?
- It looks identical to a chip and PIN card and is inserted into the machine in a shop in the same way, but instead of entering a PIN number, the terminal prompts the customer to use their signature to authorise the payment.
- You get the same level of protection from fraud as any other customer
- Chip and signature cards are not currently accepted at self-service check-out machines in places like supermarkets and petrol stations.
- All banks and building societies offer these cards and all retailers are obliged to accept them
To apply for a chip and signature card speak to your bank.
Last updated: January 23, 2017