The UK got quite a head-start on the U.S. when it comes to contactless payments, the first contactless cards launched back in 2007. But concerns about fraud meant that contactless transactions were initially limited to £20 ($26) before a modest increase to £30 ($39) …

Worries about fraud were driven by the complete lack of any security check on any individual transaction, allowing a thief to easily use a stolen card. Card companies do, however, carry out other checks – like looking for an unusual number of consecutive transactions.

A recent survey found that more than half of UK retailers would like to see the payment limit increased, but a police commissioner has advised against it, reports London’s Evening Standard.

City of London Police Commissioner Ian Dyson said current concerns over contactless technology meant it was safer to keep the cap in place for now. Today marks 10 years since the launch of contactless.

“I would advise against increasing it for the moment because the losses could be quite significant,” he said. “At some point the technology will change and you can raise the limit. The cap is there for sound reasons.”

While Apple Pay does effectively mimick a contactless card transaction, it offers far greater security. Transactions have to be authorized by Touch ID on the iPhone, or by an Apple Watch which has been continuously worn since unlocked with a passcode. Additionally, no actual card details are supplied to the terminal, replaced by a one-time code.

For that reason, many payment transactions now recognize Apple Pay transactions and dispense with the usual £30 limit. We first saw unlimited transactions more than a year ago, and I have experienced it myself on many occasions. It looks like Apple Pay may retain that advantage for some time yet.

Check out 9to5Mac on YouTube for more Apple news:

FTC: We use income earning auto affiliate links. More.

Check out 9to5Mac on YouTube for more Apple news:

You’re reading 9to5Mac — experts who break news about Apple and its surrounding ecosystem, day after day. Be sure to check out our homepage for all the latest news, and follow 9to5Mac on Twitter, Facebook, and LinkedIn to stay in the loop. Don’t know where to start? Check out our exclusive stories, reviews, how-tos, and subscribe to our YouTube channel

About the Author

Ben Lovejoy

Ben Lovejoy is a British technology writer and EU Editor for 9to5Mac. He’s known for his op-eds and diary pieces, exploring his experience of Apple products over time, for a more rounded review. He also writes fiction, with two technothriller novels, a couple of SF shorts and a rom-com!

Ben Lovejoy's favorite gear