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Apple Pay Coming to the United Kingdom Next Month, Discover Card Support Arriving This Fall
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LOL, the £20 limit is going to kill this. We've already been able to do contactless payments with cards, paytags, wristbands or whatever device you like. The big draw of Apple Pay was to be able to make larger purchases with security, rather than being limited to £20.
You won't even be able to use Apple Pay in an Apple Store if this is true - do they sell any item which is less than £20?
You won't even be able to use Apple Pay in an Apple Store if this is true - do they sell any item which is less than £20?
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Given the BBC's poor history of inaccurate tech reporting and general pessimism about news in general, I think I will wait until the facts emerge in July.
It maybe limited at first. In future though Apple pay retailers and banks may come to an agreement for no limit, but ordinary NFC readers maybe limited.
The limit will just rise and rise until it gets removed by banks in anyway.
The limit will just rise and rise until it gets removed by banks in anyway.
Nationwide though have said that there will be no limit.
Here is a screen shot from my iPhone of my Bank of America card
Note the Pay at the top and then my AMEX card is still classed as a Pass as I cannot yet use it with Pay.
Note the Pay at the top and then my AMEX card is still classed as a Pass as I cannot yet use it with Pay.
I emailed the CEO of RBS and asked about a limit. His office replied:
Thank for your email.
The contactless and Apple pay limit is presently £20, rising to £30 in September.
Thank for your email.
The contactless and Apple pay limit is presently £20, rising to £30 in September.
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Matthew @eish2306 9m9 minutes ago
@RBS_Help @BarclaysUK @NatWest_Help @santanderuk @HSBC_UK @firstdirect @TSB will Apple Pay be limited to £20 (£30 in September)?
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TSB @TSB 2m2 minutes ago- @eish2306 Hi Matthew, I’m James. We don’t currently have any information about a limit on Apple Pay. However, we’ll be ....
- releasing more information on this later in the year. Hope this helps. 2/2 ^James
Matthew @eish2306 
TSB @TSB 
Chances are contactless payments will be limited to £20-30, however authorisation via the fingerprint is much the same as a pin so should have no limit (subject to what you card limit it of course) - though I have no idea so just guessing (like everyone else!)
I'm trying to not sound too jaded by this announcement, but Australia is one of the world leaders in NFC payments . . . It's disappointing that nearly 9 months into the release of the ApplePay iPhones that the millions of Australians with them can't use it.
I think that the £20 limit will only apply in chains that accept contactless but have not yet partnered with Apple for Apple Pay. So in those shops that Apple have advertised on their website (M&S, Costa, Boots etc) there will not be a limit on how much can be spent. In normal stores (such as Morrisons) that have contactless readers but have not yet partnered with Apple, we will be able to pay using Apple Pay but the usual contactless limit will be in place.
An interesting reply from a member of moneysavingexpert.com forum to my question asking about the limit:
'It is correct that there's no limit on Apple Pay. The fingerprint gives a similar, if not greater, level of security as a PIN. However, point of sale terminals are currently restricted to £20, which will be increased to £30 in September. This is a restriction in the terminals, most of which are currently unable to apply different transaction limits for Apple Pay vs contactless payment cards. Over time, we can expect newer terminals to apply the £30 limit only for contactless payment cards.'
'It is correct that there's no limit on Apple Pay. The fingerprint gives a similar, if not greater, level of security as a PIN. However, point of sale terminals are currently restricted to £20, which will be increased to £30 in September. This is a restriction in the terminals, most of which are currently unable to apply different transaction limits for Apple Pay vs contactless payment cards. Over time, we can expect newer terminals to apply the £30 limit only for contactless payment cards.'
I'm happy enough with temporary £30 limit, I'm sure it will in due course rise. It migh need the terminals updating.
I'm less happy about the Barclays situation (having said that with no outstanding debt on it, its no trouble to get a different card, just a bit of an inconvenience, so I'm not really that fussed). It mentions in the article they are in talks with Apple. I bet they are now, I bet my Barclaycard isn't the only one thats going to get chopped up next month.
I'm less happy about the Barclays situation (having said that with no outstanding debt on it, its no trouble to get a different card, just a bit of an inconvenience, so I'm not really that fussed). It mentions in the article they are in talks with Apple. I bet they are now, I bet my Barclaycard isn't the only one thats going to get chopped up next month.
I've just received a reply from Apple's UK support Twitter team.
They have confirmed that Apple pay will have the £20 in store spending limit.
They have confirmed that Apple pay will have the £20 in store spending limit.
With Apple Pay, the banks get exactly the same information as they always have.
The difference is, Apple wants a piece of the purchase AND constant reports with details that only the banks used to have.
Most U.S. banks rolled over to these unprecedented demands because they were all afraid of being the only ones not supporting Apple Pay. Banks outside the US are not being as easy.
For one thing, they can't afford to pay as much because their fees are capped lower. For another, they already have secure chip & PIN. They also have contactless card support. And most of all, they don't wish to give Apple their private information on consumer spending stats.
Well, they get the date, time and amount of the transaction and the ID of the merchant you made the transaction with: be pretty hard for them to transfer the money otherwise. However, according to Apple's site:
and to many other sources on the web, like ZDnet:
the banks and merchants won't be able to share information on your spending habits any more, because while the bank knows what you spent and who with and the retailer knows what was bought, there's no way of tying those bits of information together if you use Apple Pay. That means the loss of a major way in which retailers and banks target ads to their customers (at least in the UK), which they don't like.
£20 is the start. This technology looks promising. It is much more secure than giving out credit / bank details.
Apparently the head of Visa Europe has said that there will be no limit to some retailers (I'm assuming retailers who sign up with Apple pay), but the majority will be subject to the £20-£30 limit.
I guess we won't know for sure until it comes out or Apple officially says.
I guess we won't know for sure until it comes out or Apple officially says.
I know it's all speculation and guess work at the moment but wanted to see what people thought of this....
So along with debit cards we can also have store reward/points cards in wallet (as we do with passbook now)
So if I go to subway and pay using Apple pay, will my phone know I'm at subway and bring us my subcard as well as my payment card or will I have to do that manually?
So along with debit cards we can also have store reward/points cards in wallet (as we do with passbook now)
So if I go to subway and pay using Apple pay, will my phone know I'm at subway and bring us my subcard as well as my payment card or will I have to do that manually?
That's what I have been thinking.
Say I shopped at Boots, would it automatically add Boots points to my Boots card when I payed with one of my debit/credit cards on Apple pay. I'm guessing that's something that we will have to wait and see.
Also if Apple are offering store cards then these store cards are going to collect your spending habits data, it's what they are there for.