It's called Strong Customer Authentication in the UK. I'm merely repeating what I understand of it, and what I have actually read on bank websites. For example:

It's called Strong Customer Authentication in the UK. I'm merely repeating what I understand of it, and what I have actually read on bank websites. For example: "In a ‘card present’ scenario, the convenience of contactless at point-of-sale would remain, however customers will be asked to complete a Chip and PIN transaction when they reach the maximum total contactless spend, or have exceeded the card issuer's limits for consecutive contactless transactions since they were last authenticated." [1] "When you spend around £100 in shops (across multiple payments, not just in one go) without having used Chip & PIN , we’ll do an extra security check by declining the next contactless payment and asking you to use Chip & PIN instead. " [2] [1] https://www.barclaycard.co.uk/business/business-matters/fraud-and-security/strong-customer-authentication-sca https://www.barclaycard.co.uk/business/business-matters/frau... [2] https://monzo.com/blog/2019/09/11/strong-customer-authentication-using-chip-and-pin https://monzo.com/blog/2019/09/11/strong-customer-authentica...