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Apple Pay Expands Beyond American Express in Australia with ANZ Support
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I think once people try it they'll realise how convenient it is, particularly via the watch. In many retail situations it's much more convenient to pay using your watch than having to get a card or phone out. For example where you have a small number of items, at a market or at somewhere like Bunnings (which actively discourages carry bags) it is so much easier to pay with a watch than a card or phone. I've been using AMEX via the watch in Australia for a few months for most of my in person transactions. Coles, Bunnings, Officeworks, most petrol stations, most retailers at the (admittedly high end) South Melbourne markets all accept AMEX. I'm already an ANZ VISA customer so this will take my Apple Watch payments to almost 100%.
Marj Demmer, who is the local head of ApplePay was perviously the ANZ Bank cards executive. there is obviously a working relationship there
ANZ... Seems that the only bank which supports UnionPay in Australia. Heck there is no branch at school.
Commonwealth bank, come on. I don't really want to issue an ANZ card just for playing with contactless payment. Or, maybe I can try? Who knows.
Commonwealth bank, come on. I don't really want to issue an ANZ card just for playing with contactless payment. Or, maybe I can try? Who knows.
Ok, I tried to add my TD bank Visa Platinum card (canada) and I get the notice that my card is not eligible for apple pay. Never had that before when I tried.
This. Before that, they'll say that Verifone is swamped with orders and unable to fulfill orders quickly. Then the retailers blame it on the lengthy process in certifying the system works with their PoS. There's always someone to blame in the US.
A more likely explanation. They want to get banks signed up. Once one is on board it puts pressure on the others. Service and Other revenue is now bigger than iPad or Mac.
Australian banks have cards with paypass (tap card on terminal) on it already. Whole payment takes seconds - great. Available almost everywhere. if it's more than A$100 I have to enter my pin as well. Best system I've seen around the world.
I've just activated Apple Pay with my 2 ANZ cards. Now I can tap my iPhone on the terminal, limit is A$100 as well (pin required for higher amounts).
There seems no advantage to using Apple Pay (get iphone out, tap on termnial, use fingerprint) compared to taking my card out of my wallet and tapping the terminal. Or am I missing something?
I'll give it a try today
I've just activated Apple Pay with my 2 ANZ cards. Now I can tap my iPhone on the terminal, limit is A$100 as well (pin required for higher amounts).
There seems no advantage to using Apple Pay (get iphone out, tap on termnial, use fingerprint) compared to taking my card out of my wallet and tapping the terminal. Or am I missing something?
I'll give it a try today
its the watch where it shines. i am a runner. all i need to carry now is my watch, paired with my bluetooth headphones.
In terms of e-banking - ANZ is behind the other 3 of the big 4. Them introducing Apple Pay lets them leapfrog the others in the market, as the only bank offering both major payments platforms (Android Pay and Apple Pay).
CBA is deeply emotionally invested in its in-house developed "Albert" platform , that has some of the worst UI I've ever seen, and is unlikely to accept Apple Pay until it's forced to.
Westpac are simply a basket case from a systems perspective compared to the other 3. They bizarrely decided to lock their customers in to Samsung Pay. Given Samsung Pay's appalling uptake in the market, you'd have to say this was most likely back door deal aka "bribed the heck out of"
NAB are deeply invested in Android Pay.
http://www.afr.com/technology/apple-pay-and-amex-battle-cba-and-westpacs-apps-20151127-gl9j8c
None of the big 4 banks in Australia have a good track record on customer experience, they are often more customer-hostile, rather then customer friendly. All of them data mine & monetise customer data in a way that Apple Pay doesn't let them do.
They are insular, collude, suffer badly from NIH syndrome, yet copy all the other 3 as soon as one of them breaks ranks and does something new.
Best guess, NAB moves next. Then it's stupidity versus arrogance at 10 paces between Westpac and CBA as to who is last to move.
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1. There's no need to limit Apple Pay to $100. A bank might choose to, but its authentication is rated by EMV as equivalent to chip and pin, not contactless, (ie it's a card present transaction) so it can max out at the card transaction limit. I haven't tried a > $100 transaction since it came out with ANZ, but works fine in AMEX previously.
2. Watch using Apple Pay, and iPhone using Apple Pay are both way faster than card out of wallet for me.
Just used it on my apple watch at my local café...the waitress said "awesome"...I agreed
I can see Apple Pay working well with the Apple Watch... but that's still a pretty small install-base when compared to contactless card payment (which is available to virtually everyone).
However, once the watch has some compelling features to justify a purchase for non-runners, it will be a different matter.
1. Apple Watch my friend. No need to take phone or wallet out of pocket.
2. Phone is far easier than wallet. 90% of people in Sydney living in FOMO walk around with their phone glued to their hand checking facebook/snapchat/whatever while in the queue to pay for their goods. For them it's now tap the phone which is already in their hand instead of taking their wallet/purse out and pull the correct card out, then tap, then replace card, then replace wallet/purse.
I've got UK bank cards and I live in Cambridge, NZ. I've not had any success in using them here in NZ with Apple Pay on my iPhone. Sure the tills have wireless pay which the iPhone picks up on but the payment is refused after I ok it on the phone. After a bit of discussion with others over on the GeekZone it would seem to be a vendor issue more than a bank issue that's preventing NZ roll out.
Or Apple can let developers use the NFC inside the iPhone. All the big banks have their own android app that uses nfc that lets you do tap and pay. http://www.theglobeandmail.com/repo...s-are-available-to-canadians/article27022924/
Just tried it at a local sushi place. They seemed a bit confused but just ended up handing it to me (they normally like to paypass themselves). I TouchID'd first, which I've now read is wrong lol. It asked me to re-do the NFC bit. So I had to do it twice, but it all worked fine otherwise.
Apple Pay - compelling enough? / killer app!
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The toxic Hellstew is terrific.. Here in Aus I think many people got owned by very slick copies of the bank apps, I wouldn't put any precious data on such an operating system.
https://duckduckgo.com/?q=australia+android+bank+malware&t=ipad
Believe me they will. When one of the Big 4 Does something. The other Three will follow suit.
I've always wondered this. Here in the UK contactless is quite prevalent. However, a fair number of banks were launch partners and other banks quickly followed suit.
The latter.
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I think CBA's technology is more advanced and diverse than AP. That's why they don't give a crap about AP.
In addition the post above me whenever I've used contactless here in the UK for MasterCard my receipt says PayPass and for Visa PayWave.
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It's much more secure for starters. Apple Pay uses Tokenisation so your physical card details are never shared with the retailer.
If, for whatever reason, they had their system compromises your card couldn't be hijacked and used fraudulently.
I'll be honest... Much more convenient if you have the Apple Watch but if you arm your iPhone in advance (times out after a minute) it's just as quick as holding your card near the reader.
If you have an ANZ Everyday Visa Debit Card this new service will not work as these accounts and cards are too old to take advantage of Apple Pay and you get a lovely message saying your bank does not support this card. My existing account is from 2010. The only debit accounts that work are the ANZ Access Accounts.
With good reason though, the exchange rate is ridiculous. We would probably be charged a fee if the banks said yes on a whim.