Adding Mastercard Debit card to Lidl Plus App - risks?

Supercell

I noticed in the leaflet that you can add your Visa or Mastercard to a wallet on your Lidl Plus app and then can use to app to pay for your shopping using the QR code you use for their offers (all in one).

I've added my Revolut and Credit Union cards to Google Wallet and use it a lot but I am hesitant to add to somewhere else. Am I being paranoid? To my mind the size of Google equals more security compared to a German supermarket chain but maybe that's completely wrong?

Is anyone using their Lidl plus app to pay in store, and does anyone have any reasons not to do this?

Jim2007

IT security is not magic and at the end of the day it comes down to the human factor. People make mistakes all the time, all it takes is a couple of tired people on a Sunday evening in a hurry to get systems back up for Monday and something gets over looked (everyone assumes someone else executed a step in the "Run Book" for example). I've seen major FUs in some of the biggest banks in Europe and some of the smallest and it always comes down to the human factor.

I'd look more at how you can protect yourself rather than rely on any of those organisations to do it for you. Can you limit the size of transactions on the card? Do you get prompt notice of card usage? When something does go wrong how easy is it to address the issue with the parties involved and so on.

For example, there are two large supermarket chains here in Switzerland where I live now. I'm happy to have my card on the app of one, but not the other. The one I'm happy with process a transaction very quickly and I get a notification of the transaction almost before I walk away from the self-check out. The other takes 24 to 48 hours to process and send notification, so I'm not going to put my card on their app no matter how good their reputation is, because anything could happen in that period of time.

Supercell

Thanks Jim, I suppose you are right, I've been overcharged on my Mortgage by BOI, when with Ulster Bank I've had days without outages and service disruptions and neither of them are small companies so I suppose its really down to personal choice. I'll probably give it a go and see how it works in reality.

AndrewJRenko

There are very strict requirements on organisations that do hold credit card data, including encryption to ensure that card numbers are not visible to IT staff. I'd be reasonably confident that an organisation like Lidl would be broadly compliant with these requirements.
Having said that, I'd wonder about the benefit. Do I really want to pay with that particular card every time? Will the cashier put through the charge without checking with me, if I've put something of stupidly high price in the trolley? Is it worth even the slight additional risk, just to save me tapping with my phone using the card on my phone wallet once I've checked the total.

coylemj

https://www.boards.ie/discussion/comment/122892692#Comment_122892692

Agree. But I note that you're only prepared to go as far as to say that you'd be 'reasonably confident' that they would be 'broadly compliant' with the requirements around the storage of sensitive data. I find it significant that no other Irish store has asked me if they can store my card details in their app. So, as far as this facility is concerned, I'm not prepared to be an early adopter.

A small irritation I have with Lidl is that, even though my profile in the Lidl Plus app says 'digital receipt only', the checkout operator still asks me every time if I want a paper receipt.

It may sound very trivial but, if they can't sort that, do I want to trust them to store my card details?

Yeah Right

Why would you even consider it in the first place? What's the benefit of doing this, if you already use Google wallet/Apple pay?

At the moment, you walk in, do your shopping, queue at till, scan your Lidl+ app, pack your shopping and then pay by touching your phone to the terminal.

If you add your card to the app, what changes? You use the app to pay via QR code at the last step instead of using your phone's NFC function instead?

What does that save you, about 3 seconds, if even?