HOW to cancel paypass

[vr6man25]

Just wondering how i go about getting the paypass to not work or deactivated, on the new PCF MC they sent .
I tried using my old cards and now it has been cancelled.
I called CS and they said I have to use the PAYPASS card or leave.
Any other options for me??? I dont wanna lose my pc points, I like having them.

[Jacklad]

Just wondering how i go about getting the paypass to not work or deactivated, on the new PCF MC they sent .
I tried using my old cards and now it has been cancelled.
I called CS and they said I have to use the PAYPASS card or leave.
Any other options for me??? I dont wanna lose my pc points, I like having them.

Why do you want to cancel? You don't have to use the Paypass functionality, and you're still covered for fraud as for other purchases.

More and more cards are having the RFID functionality for "contactless" transactions such as MC Paypass and Visa Wave built into the cards. I doubt that any of them will want to offer two "flavours" of card - it just increases overhead.

Jackie

[vr6man25]

fraud is the reason i dont want paypass.
So anyone know how to have the paypass deactivated?

[Whitedart]

fraud is the reason i dont want paypass.
So anyone know how to have the paypass deactivated?

Could possibly try one of these demagnitizers that stores use at the checkout to deactiviate the the RFID chips on the products they sell, but that may also deactiviate the coloured strip on the card and render it useless.

[Jucius Maximus]

One second in the microwave?

Thought it might damage the magnetic strip too.

[thewerd]

fraud is the reason i dont want paypass.
So anyone know how to have the paypass deactivated?

If you're covered from fraud regardless of whether it was purchased by using the number/swiping/paypass then what does it matter if it's functional or not since you are still covered from any fraudulent purchases?

I believe you cannot do a paypass purchase for a large amount anyway, as it requires a signature.

[Jacklad]

fraud is the reason i dont want paypass.
So anyone know how to have the paypass deactivated?

I've yet to see any indications that contactless systems are any more susceptible to fraud than any other. In fact, I've had fraud occur on two of my cards- both times when the physical card was handled by a server (one waiter, one gas station attendant). RFID is much safer - the card never leaves my hand and there is no way for it to be double-swiped or have the security code noted.

And you have to be extremely close to a reader for the information to be transmitted (paranoid American press about twoonies aside :D). These sorts of systems have been in widespread use in parts of the world (such as Hong Kong) for almost a decade, and the stats seem to indicate no increase in fraudulent activity.

Your only option would be to switch to a card that doesn't offer Paypass (yet), but you may be out of luck if they decide to switch over. I have several of my cards informing me that my next renewal card will be Paypass-enabled, and none have mentioned keeping the old system.

Of course, if you are really paranoid about it, you could always get an RFID-zapper and wipe the cards. No guarantees that it will still be usable afterward, though - and no indication of when such a product would be available at a consumer level. :twisted:

http://www.tagzapper.com/

Jackie

[Justin]

Can the chip be seen? It so, maybe sticking a pin through it will stop it from working?

[monty613]

what's the worst someone could do? go on a tim hortons binge? :twisted:

as previous posters have mentioned, you're still protected from fraud regardless.

personally, i wouldn't worry about it...

[Jucius Maximus]

Can the chip be seen? It so, maybe sticking a pin through it will stop it from working?

If you look very closely at the card you can tell where the chip is located. Maybe a pin or just bashing that part of the card with a hammer a few times would do the trick.

[gman]

fraud is the reason i dont want paypass.
So anyone know how to have the paypass deactivated?

What kind of fraud you have in mind?
With paypass, nobody else needs to even touch your card. Do you think handing your card to another person has better fraud protection?

[sillysimms]

They seem to be issuing all their cards this way. I wouldn't worry too much about it. If there is a greater risk with these cards, it is Mastercard that is taking the risk. I've been issued this card as well for my PetroPoints Mastercard. Since there is 0 liability, Mastercard would have the problem if there is a greater chance of fraud. Anyway, there is a $ limit after which a signature is required. I've had one instance of credit card fraud and it wasn't with my Paypass Mastercard.

At the beginning of May, Mastercard announced they've bumped the limit up to $50. Now signatures are only required for over $50. Since they've done this, the risk is theirs and they must not be experiencing greater fraud or they likely wouldn't have done this.

[vr6man25]

i read somewhere , cant remember now, that we dont have to take the paypass cards. But when i call they say I must take it.

ANYONE else hear this before???

[YYZFA]

i read somewhere , cant remember now, that we dont have to take the paypass cards. But when i call they say I must take it.

ANYONE else hear this before???

No, I've heard the opposite. Mastercard will be insisting that all of it's cards be equipped with Paypass. Paypass is better and more convenient. The signature does nothing to protect you anyway. Even vendors not yet equipped with Paypass are starting to allow transactions without requiring signatures.

[A_guy]

I agree with the above post. I was quite shocked when I went to McDonald's one day (spare me the health debate, that was a long time ago) when they just swiped my card but didn't require my signature.

Really, how useful is a signature? People don't even sign the same as the one on the back of the card and no one really cares...

[Jacklad]

i read somewhere , cant remember now, that we dont have to take the paypass cards. But when i call they say I must take it.

ANYONE else hear this before???

Well, technically you don't have to take a Paypass card - no one can force it on you - but I don't think there is any requirement for a credit provider to give you a choice. If their business decision is to move to Paypass enabled cards and not offer a "non-Paypass" option, then you can switch to a company that doesn't use Paypass. Of course, if they then move to Paypass, you may be stuck anyway. Visa might be a better bet for the interim - their implementation of the "Wave" technology is lagging Mastercard.

But you still haven't made it clear just why you are so concerned with fraud, or why you think it is more likely with Paypass.

There's a good article at http://www.foxbusiness.com/story/markets/industries/finance/mastercardr-paypasstm-makes-purchasing-convenient/ that addresses the implementation and your concerns.

Jackie

[jvangilst]

At the beginning of May, Mastercard announced they've bumped the limit up to $50. Now signatures are only required for over $50.

Could you not call your credit card company and get the paypass limit lowered/raised?

[sillysimms]

Could you not call your credit card company and get the paypass limit lowered/raised?

No. The paypass limit is standard for everyone. All merchants have the same limit. It used to be no signature for $25 and under. Now they are making it no signature for $50 and under. So, it's not customer specific. It's the Paypass limit for anyone with a paypass mastercard.

[experiment437]

using these instructions as a base, i crafted something that seems to work:
http://www.instructables.com/id/Make-a-RFID-Shielding-Pouch-Out-of-Trash/

i took a soda can and cut out two panels that were the size of the credit card. then i made a wallet with the soda can shields integrated in it.

i tested it out at the grocery self check out and it seems just one layer of aluminum blocks the rfid on that particular reader. i left the card in the wallet and touched it against the reader every which way, it didn't read the card. only when i took it out, did it beep. i haven't had time to test it elsewhere, but i'd like to come up with one that has 2 or more layers per wallet side.

if you don't want to bother making a whole new wallet, just sandwich your card between two panels of cut soda can and put that in your regular wallet.

if anyone cares to test it out with just one layer on either side of the credit card, please report what happens. i'm curious if stronger readers are out there.

[Jacklad]

using these instructions as a base, i crafted something that seems to work:
http://www.instructables.com/id/Make-a-RFID-Shielding-Pouch-Out-of-Trash/

i took a soda can and cut out two panels that were the size of the credit card. then i made a wallet with the soda can shields integrated in it. {snip}

I'll put that on my "to-do" list right after my aluminium-foil and colander mind protector hat. Remember, two layers - shiny side out to block the incoming mind-control rays, and shiny side in to prevent your thoughts from being read.

Of course, there are those who eschew the colander (http://zapatopi.net/afdb/), but why take chances?

:twisted:

Jackie

[V A N Q U I S H]

I believe they use the same type of technology on our access ID's at work. I bent mine in half breaking some type of chip in it rendering it useless.

Hold you card in the light, you will see a bulge on the bottom of the card on either side, take a hammer to it and your set.

[brunes]

You know guys... just so you're aware... the info on your pay pass chip is encrypted with a 112 bit key, which is almost the same security level as used in online baking. Someone can't just grab your card info out of the air, they would have to also decrypt it, which is not a trivial matter. They'd spend weeks brute forcing the thing, and in the end, all they would have is your credit card number - it would be way easier to just bribe a waiter to get a copy of the credit card slip.

You guys are WAY too paranoid. There are many more larger holes in the credit card system than paypass. This is why consumers have zero liability for credit card transactions.

EDIT: And also another note - the info on your magnetic strip is *NOT* encrypted, just FYI. So the old magnetic strip is much less secure than the active chip technology used with Paypass.

EDIT: And note #2, you can't read the chip anyway unless you are within a few CM of the reader, due to how RFID works. You have to exponentially increase the power required as the distance increases lineally. So it's not like someone could steal your paypass info from across the parking lot, they'd have to have their own mini personal power plant to do it, and it would give them and everyone in between the van and you instant cancer from the ionizing radiation they'd be emitting.

[island4]

http://www.instructables.com/id/S3KSGULFE1M4V4P/

[Bleys007]

Actually, there is a good reason to want to deactivate it. When I go to petro canada, I use the 2 cent off mastercard w/paypass to save a small amount of money. If I ever get a 2nd card that has the paypass in it, when I hold my wallet up to the reader, it could read the wrong one, costing me $.02 a litre and all of the petro points.

In this case, there is a valid reason to only want one paypass card in a wallet.

And yes, I know that I could avoid this by taking the card out of the wallet and using it that way, but there's something nice about just putting your wallet next to the machine and having it take your money just like that, lol.

I know it's lazy, but so is paypass.

[tkyoshi]

Actually, there is a good reason to want to deactivate it. When I go to petro canada, I use the 2 cent off mastercard w/paypass to save a small amount of money. If I ever get a 2nd card that has the paypass in it, when I hold my wallet up to the reader, it could read the wrong one, costing me $.02 a litre and all of the petro points.

In this case, there is a valid reason to only want one paypass card in a wallet.

And yes, I know that I could avoid this by taking the card out of the wallet and using it that way, but there's something nice about just putting your wallet next to the machine and having it take your money just like that, lol.

I know it's lazy, but so is paypass.

Separate the cards, I have both my paypass cards on opposite sides of my wallet. That way I just tap the side of the card I want to use.
The range of the PayPass RFID chip is *very* limited, it has to be very close to read the card. Many people don't know there's many different types of RFID chips. The RFID on my Enhanced Drivers Licence on the other hand is long range RFID, it can be read up to a few metres away. To see how limited the range is, if you hold it off to the side the reader won't actually read the card.

Besides if someone stole your card do you think they will:
a) Go to Timmies and load up on $25 of Timbits
b) Max it out by doing things like shopping online.

I think b is much more likely, plus that happens all the time without paypass anyway. Probably most fraud happens when you hand cards to waiters in restauraunts, they can do whatever they want with your card and you won't have any idea.

[hohead]

I found out where the RFID chip was in the card, and then smashed my card with a hammer a couple of times in that area.

Next time I went to Tim Horton's, I tried to use Paypass (just to check), and sure enough it didn't work!

[gman]

EDIT: And note #2, you can't read the chip anyway unless you are within a few CM of the reader, due to how RFID works. You have to exponentially increase the power required as the distance increases lineally. So it's not like someone could steal your paypass info from across the parking lot, they'd have to have their own mini personal power plant to do it, and it would give them and everyone in between the van and you instant cancer from the ionizing radiation they'd be emitting.

That would not work either. A passive RFID is powered by harmless external radio frequency and then emit its own radio frequency to transmit (after it verifies the incoming radio signal signature). You can boost the external radio signal as high as you want but it won't boost signal emit by the RFID.

There are many kind of RFID. Active/passive. Long range, short range, super long range, etc.

[tkyoshi]

I found out where the RFID chip was in the card, and then smashed my card with a hammer a couple of times in that area.

Next time I went to Tim Horton's, I tried to use Paypass (just to check), and sure enough it didn't work!

I'm sure you killed it but did the green lights not move too? If the cashier has the machine on TimCard mode PayPass won't work.

It's silly they have to switch between TimCard and Credit/Debit modes manually.