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Establishing a successful recruitment process and clear written employment contracts for new employees can have a major impact on your business.

Every business needs to be aware of its obligations under minimum wage and equal pay laws, as well as recent pensions auto-enrolment changes.

You must comply with legal restrictions on employees' working hours and time off, or risk claims, enforcement action and even prosecution.

The right employment policies are an essential part of effective staff management. Make sure any policy is clear and well communicated to employees.

While sick employees need to be treated fairly, you need to ensure that 'sickness' is not being used as cover for unauthorised absence.

Most pregnant employees are entitled to maternity leave and maternity pay, while new fathers are entitled to paternity leave and paternity pay.

As well as undermining morale, illegal discrimination can lead to workplace grievances. Employee discrimination is covered by the Equality Act 2010.

Home, remote and lone workers are becoming increasingly commonplace. Key issues include communication and how to manage and motivate people remotely.

The right approach to consulting with and providing information to your employees can improve employee motivation and performance.

Disciplinary and grievance issues can be a major burden to employers. Putting in place and following the right procedures is essential.

Following the right dismissal and redundancy procedures helps protect your business and minimise the risk of a legal dispute at tribunal.

Employment tribunal claims are a worrying prospect for any employer. A tribunal case is a no-win situation – even if the claim is unjustified.

Spending limit rises as contactless takes off

4 September 2015

Spending limit rises as contactless takes offMore than £2.5 billion was spent using contactless cards in the first half of 2015 and this week the upper limit for contactless payments was increased to £30.

The new £30 payment limit is being introduced in recognition of the popularity of contactless spending, as the number of contactless cards in circulation rises.

Payment terminals are being updated to accept the new limit over the coming weeks. It means that the average spend in shops, including supermarkets, pubs, gift shops and dry cleaners, now falls within the limit.

Contactless spending has risen from £287 million per month in January 2015 to £567 million in June 2015, according to data from the UK Cards Association, the trade body for the cards payment industry.

In total, £2.5 billion was spent on contactless cards and devices in the first half of 2015, compared to £2.32 billion for the whole of 2014. There are now more than 69 million contactless cards in circulation.

Graham Peacop, ceo of The UK Cards Association, said: "The growth in contactless payments shows people want to use contactless cards and increasing the limit gives customers even more opportunities to pay in this way."

Contactless cards use the same industry-standard secure encryption technology as Chip and PIN and fraud on contactless cards currently stands at one penny for every pound spent. As an added safeguard, consumers are sometimes asked to enter their PIN.

"Contactless is becoming the new normal," said Kevin Jenkins, managing director UK & Ireland at Visa Europe. "Today's threshold increase to £30 gives consumers all the benefits of contactless across a broader range of their daily activities. We expect to see this momentum continue to build as more people adopt mobile and wearable payment technology."

SMEs have to keep pace with these changes, said Jason Richelson, ceo of ShopKeep. "This should be viewed as an opportunity for small businesses, not a hinderance. It's crucial that small business owners have a strategy in place that will allow them to effectively adapt to this change in spending habits. Contactless is here to stay."

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