Richard wrote:

It would be impractical to ask for the PIN on a bus, at least in
London... I wonder whether there is a way for the retailer to accept
higher risk in return for never (or much more rarely) requiring a PIN,
especially as no real goods are involved?

That might make sense for things like buses, because the alternative,
having to find cash if it declines, negates the entire concept.

Neil
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Neil Williams in Milton Keynes, UK. Put first name before the at to reply.