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Apple Pay Coming to the United Kingdom Next Month, Discover Card Support Arriving This Fall

dwjpaypal said:
OK, so here's my issue with apply pay for Oyster.

For those of you that wear the watch on your left wrist (most people) its going to be very awquard movement to use oyster, as the readers are always on the right. So you'll have to reach over, press the friends button and wait for it to authorise and then walk through. Its not going to be as convenient as we all think it's going to be.

I've already had an issue with using my watch in Starbucks with the passbook app whereby I had to rotate my wrist at such an awquard angle for them to be able to read it with the barcode scanner and the watch kept turning its face off as it thought my wrist was going down, I'm just not 100% sold on Oyster, especially travelling to Oxford Circus daily in rush hour I don't want to be the guy holding everyone in the Q up!
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Yeah I agree, gonna pee people off behind us
 
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The obvious solution to the TfL barrier problem is to walk backwards.

Question: Does a retailer taking Apple Pay mean that you can use any card with it. ie say a retailer doesn't normally take Amex, can I use Apple Pay using an Amex linked card?
 
redrog said:
The obvious solution to the TfL barrier problem is to walk backwards.

Question: Does a retailer taking Apple Pay mean that you can use any card with it. ie say a retailer doesn't normally take Amex, can I use Apple Pay using an Amex linked card?
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Not quite because Amex is a "bank" so they authorised it - Tfl is not a bank
 
starnox said:
Can anyone confirm but I assume the bank providing Apple Pay is more important than the card type.

E.g. I have a lloyds amex. So even though Amex is supported next month, Lloyds won't be for a few months so I will have to wait?

Might get that BA Amex instead
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Yes think you are correct. With BA Amex your account is with American Express, Amex are the lender. When you have a Lloyds Amex credit card your account its with TSB and they are the lender, Amex just provide the service.
 
bigchrisfgb said:
Your not sad. If your account isn't working for you then you have the right to move. If ease of payment is important to you then go for it.
I once moved to a different bank because my old bank wouldn't offer me a chip and pin card.
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Play the system I have a few accounts a 123 account and credit card at Santander, two TSB for the 4% interest, one Halifax for the £125 switching, Three NatWest as they are still used for stuff, a first direct opened to get the switching bonus, will close in a few months to get the leaving unhappy payment (don't like their app of online banking but £200 is £200) and accounts at lloyds and Barclays because I don't like to close them. Oh and metro bank just for free European transactions - so I'm really for whomever does  pay #boom
 
starnox said:
Can anyone confirm but I assume the bank providing Apple Pay is more important than the card type.

E.g. I have a lloyds amex. So even though Amex is supported next month, Lloyds won't be for a few months so I will have to wait?

Might get that BA Amex instead
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I'm hoping all cards can be added with the £20 limit and be spent anywhere, the limit is lifted for authorised banks and probably in shops that have agreed to Apple Pay, when in said places you get the receipt and stuff on the phone
 
I don't get the excitement over this, you can currently use contactless on the tube and have been able to for a while, why am I going to get my phone out of my pocket to pay.
I have my card in my wallet at all times as not all the UK is contactless and I am not one of the sad people who walk around all day with heads down praying to the God of iPhone.
 
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eish2306 said:
I'm hoping all cards can be added with the £20 limit and be spent anywhere, the limit is lifted for authorised banks and probably in shops that have agreed to Apple Pay, when in said places you get the receipt and stuff on the phone
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I do believe the £20 limit (or whatever it currently is) is just for the plastic card and the reason for this is due to the lack of authentication. Since apple pay uses TouchID on the iPhone and only works on a watch with a pin code, the £20 limit should not apply and a transaction of unlimited amount should be possible. Probably, you will be asked to sign for higher amounts.

I was initially apprehensive about leaving my debit card at home for this reason and also about the ability to get cash from ATMs or cash-back at the till. I suspect both points will be come more clear in the near future. At least now Apple Maps in iOS 9 will say if a shop/restaurant/etc supports Apple Pay so you don't look silly in a corner shop handing over your phone to pay.
 
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magicMac said:
I do believe the £20 limit (or whatever it currently is) is just for the plastic card and the reason for this is due to the lack of authentication. Since apple pay uses TouchID on the iPhone and only works on a watch with a pin code, the £20 limit should not apply and a transaction of unlimited amount should be possible. Probably, you will be asked to sign for higher amounts.

I was initially apprehensive about leaving my debit card at home for this reason and also about the ability to get cash from ATMs or cash-back at the till. I suspect both points will be come more clear in the near future. At least now Apple Maps in iOS 9 will say if a shop/restaurant/etc supports Apple Pay so you don't look silly in a corner shop handing over your phone to pay.
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I saw somewhere that santander were getting contactless ATM's so maybe thats a thing
 
ct2k7 said:
Just a question, surely it is quicker to tap the card on the TfL reader than to attack your phone with your finger and hope it registers it correctly? That is, before a queue grows behind you and people start tutting...
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scottish said:
I don't think the token changes. So it's anonymous but doesn't change between taps.
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There is a sperate thread now to do the oyster discussion as it only really effects london people :)
https://forums.macrumors.com/thread...e-via-cc-or-will-we-load-oyster-card.1890620/
 
displaced said:
Stupid Barclays...

Their iOS app is superb, as is their online-banking website -- not that I use the site much as the app is so good. Makes our Co-operative Bank app look like something a work-experience kid threw together over a weekend.

My wife's with TSB, so she'll be happy, and we'll be moving our joint account from Co-op to Santander in a month or so. So I'll just have to rinse the joint account once we've moved it :)
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its quite easy to open a single account when your logged in - and you get interested on the money in both accounts - you can have 1 single and 1 joint account
 
eish2306 said:
I thought you were on about an amex ba card or something where amex will act like the bank does with a debit card
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What I'm asking is if, say, I have an Amex card setup in Apple Pay, can I walk into, a restaurant who only accept Mastercard/Visa on their chip and pin machine and use Apple Pay via contactless?

ie does this open up Amex to lots of retailers who don't normally accept it?
 
scottish said:
Not sad at all. Good to have a secondary current account too - Barclays for you now I guess unless you close it.

I've accounts with RBS, TSB, Bank of Scotland, Halifax and Nationwide (to maximise interest). Didn't expect them all to be announced as supporting Apple Pay!

RBS/NatWest certainly don't have the most competitive accounts but their mobile banking and its related features are good.
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Whoop a fellow person who gets the most of of their banks :p I'm so glad I'm ready for whatever card comes first - does anyone know how to add them to (passbook) wallet yet?

ps how do you do strikethrough text on mac rumors?
 
redrog said:
What I'm asking is if, say, I have an Amex card setup in Apple Pay, can I walk into, a restaurant who only accept Mastercard/Visa on their chip and pin machine and use Apple Pay via contactless?

ie does this open up Amex to lots of retailers who don't normally accept it?
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oh maybe, I might try and get an amex card if thats true . . . I know terminals aren't that fussy - i.e. you can buy on master card credit card and get a refund on master card debit card so maybe - could someone from the us chip in here? or was amex accepted everywhere in the us before apple pay?
 
2headedgeek said:
I don't get the excitement over this, you can currently use contactless on the tube and have been able to for a while, why am I going to get my phone out of my pocket to pay.
I have my card in my wallet at all times as not all the UK is contactless and I am not one of the sad people who walk around all day with heads down praying to the God of iPhone.
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Because my cards are the only reason I carry my wallet around. Once I can use Apple Pay I can stop taking my wallet around with me.
 
eish2306 said:
Whoop a fellow person who gets the most of of their banks :p I'm so glad I'm ready for whatever card comes first - does anyone know how to add them to (passbook) wallet yet?
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You can't add them yet. If I set my region to USA on my iPhone , Passbook gives me the option to scan cards into the app but then says they cannot be verified. It accepts my US credit card but I had to phone the bank for authorisation before I could use it.
 
mopatops said:
Anyone able to help me understand how this will work on the London Underground? The TfL readers require you to tap in and out of the network when you enter or exit a station, calculating the fare based on your route. I thought tokenization equaled anonymity, yet TfL must have the capability to track the same card across multiple taps.
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My understanding is that each card you add to Passbook has a unique Device Account Number (DAN) that doesn't change - the one time payment token is sent along with this, so TFL can use the DAN to tie up your touch in and out. However, this is still effectively anonymous as it has no recognisable link to you or your card details.

The downside is that this means its very unlikely you'll be able to register your device with TFL to get journey history logs - to do this you would need access to your full DAN which I don't think is possible.
 
kdarling said:
Moreover, Apple wants the banks to give back a good amount of purchasing information that is normally considered bank proprietary information.
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Actually I suspect it's more to do with the transactions being anonymised with Apple Pay, so the banks / retailers can't share information on your purchasing habits for marketing purposes.
 
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jannette said:
You can't add them yet. If I set my region to USA on my iPhone , Passbook gives me the option to scan cards into the app but then says they cannot be verified. It accepts my US credit card but I had to phone the bank for authorisation before I could use it.
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Set region where?
 
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