souvikr
TF Premier
I believe merchants try to avoid contactless payment and insist on PIN based transactions to avoid disputes later. As contactless transaction doesn't need any authentication, someone may get the charge reversed by reporting that transaction as fraud.Contactless is kinda useless in most of my use cases. The merchants insist on handing over the card to them even if I tell them that the 'wifi' works. They have this inbuilt belief that it'll work only when they hold the card and not when the card owner. It was only in some KFC or something that I got to use the contactless the way it was intended to.