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Apple Pay Limit Rises to £30 in UK

There should be no limit with Apple Pay.

If I lose my card, it's nice to know that someone who finds it can't run up a huge bill. But if I lost my
iPhone, they wouldn't be able to make payments with it because of Touch ID.
 
thekeyring said:
There should be no limit with Apple Pay.

If I lose my card, it's nice to know that someone who finds it can't run up a huge bill. But if I lost my
iPhone, they wouldn't be able to make payments with it because of Touch ID.
Click to expand...
I think the plan is to eventually remove the limit.
 
Can't wait to laugh myself into a coma once Walmart caves and announces they'll start accepting Apple Pay at their stores.
 
bbfc said:
I use it at M&S and Starbucks quite frequently, and it works every time. Haven't tried it in Boots yet.

I haven't tried to use it at the new Central Station store, though I only get on a train maybe a few times a month.

What I still don't understand is that some of the UK's largest retailers don't even support contactless yet. I'm looking at you Tesco, ASDA, Sainsbury's.
Click to expand...

Boots works wonder - never had problem in any store that accepts contactless yet - tesco is trialling their own system and asda and sainsburys have joined to use a system called current c
 
mxmgodin said:
If I am not mistaken, here in Canada, tap-to-pay is available on transactions up to $100, and it's already available in most major merchants (I use it many times a week myself).

Just gotta wait for Apple Pay now... This fall, if the latest rumours are to be believed.
Click to expand...

In Canada my personal experience with Apple Pay varies by merchant. In Montréal IGA allows tap transactions up to CDN $100. However, I've gone to other merchants and charged well over $300.00. So the limit appears to be set by the merchant and not the bank. I've never needed to charge larger amounts in Canada, so I don't know what the upper limit is.

On the US side of the border, I've used my Apple Pay up to USD $5,500.00. The shocker was that the merchant (a car dealer) didn't even know they supported tap or Apple Pay.

Bottom line, any limits in the US or Canada are set by the merchant.
 
Oh how exciting! Except I still can't use Apple Pay. DAMN YOU BARCLAYS!!

Seriously though, it's great that contactless payments are now higher. I imagine they'll rise it year on year until about £100. That seems like a good cut off. Then obviously it can be down to retailer discretion to go further.
 
bbfc said:
I use it at M&S and Starbucks quite frequently, and it works every time. Haven't tried it in Boots yet.

I haven't tried to use it at the new Central Station store, though I only get on a train maybe a few times a month.

What I still don't understand is that some of the UK's largest retailers don't even support contactless yet. I'm looking at you Tesco, ASDA, Sainsbury's.
Click to expand...

Boots has been mixed in my experience. I read that Sainsbury's are introducing contactless over the next few months. Their excuse seemed to be that the £20 limit was too low to make it worthwhile but that as average spend is approx £25, then it's more worthwhile with the limit at £30. That sounds like complete bollocks to me as if the average spend is £25, with people regularly spending £100+ on household shopping, there must be a lot of transactions around £10-£15 to bring the average so low!
 
Moccasin said:
I've had mixed results with Apple Pay in the UK. M&S seems quite reliable in their big stores, although it recently failed at the new Simply Food at Newcastle Central Station...
Click to expand...

Its quite likely that its not M&S; lots of the "Simply Food"s are a franchise - for example SSP has >50 of these at stations and the like; those at BP forecourts are a different franchise and so on.
 
Moccasin said:
I've had mixed results with Apple Pay in the UK. M&S seems quite reliable in their big stores, although it recently failed at the new Simply Food at Newcastle Central Station. Costa also seems variable and the extra annoyance is that their loyalty phone app is quite slow - it often takes two attempts, by which time I could have given the barista my card for swiping.

I'm not sure how much of a benefit it is, though I tend to have my phone in my hand more often than my wallet.

If Apple et al can somehow combine apps that keep loyalty cards in the Wallet app with Apple Pay so that its a simple, single use of the phone (or watch) on a card reader, then it will immediately become more useful. Not sure if companies could associate bank cards with a loyalty account (would that bypass the security controls?) but that would actually make the whole process much simpler at many stores and at the same time encourage use of both systems to mutual benefit.
Click to expand...

I'm hoping Boots will allow for the addition of Advantage Card to Wallet in iOS 9; would be much easier to tap I Have An Advantage Card on the Self Service; then pay using iPhone/Apple Watch with it scanning the loyalty card at the same time.
 
Moccasin said:
Boots has been mixed in my experience. I read that Sainsbury's are introducing contactless over the next few months. Their excuse seemed to be that the £20 limit was too low to make it worthwhile but that as average spend is approx £25, then it's more worthwhile with the limit at £30. That sounds like complete bollocks to me as if the average spend is £25, with people regularly spending £100+ on household shopping, there must be a lot of transactions around £10-£15 to bring the average so low!
Click to expand...

I'd agree that it sounds like bollocks. Apparently their point of sale software is very old and updating will take a long time. They are doing so now but will be waiting until is complete before they enable Contactless.
 
scottish said:
I'd agree that it sounds like bollocks. Apparently their point of sale software is very old and updating will take a long time. They are doing so now but will be waiting until is complete before they enable Contactless.
Click to expand...

I believe the process is starting in select, larger stores this month with roll out taking place over the next few months.

Both Sainsbury's I use seemingly have contactless ready terminals (they look very similar to the ones in Boots).
 
MacRumors said:



applepayuklive-250x339.jpg
The UK Cards Association announced on Tuesday that the upper limit for Apple Pay and other contactless payments is now £30 per transaction in the United Kingdom (via AppleInsider).

Apple Pay transactions were previously limited to £20 since the service launched in the U.K. around six weeks ago. British retailers will be updating their payment terminals starting today and over the coming weeks to accept the new limit.

Apple Pay in the United Kingdom is supported by major credit cards Visa, MasterCard and American Express, with participating banks including First Direct, HSBC, MBNA, Nationwide, NatWest, Royal Bank of Scotland, Santander and Ulster Bank. Bank of Scotland, Halifax, Lloyds Bank, M&S Bank and TSB will eventually support the service.

Apple Pay is compatible with the iPhone 6, iPhone 6 Plus and Apple Watch when paired with an iPhone 5 or later.

Article Link: Apple Pay Limit Rises to £30 in UK
Click to expand...
MacRumors said:



applepayuklive-250x339.jpg
The UK Cards Association announced on Tuesday that the upper limit for Apple Pay and other contactless payments is now £30 per transaction in the United Kingdom (via AppleInsider).

Apple Pay transactions were previously limited to £20 since the service launched in the U.K. around six weeks ago. British retailers will be updating their payment terminals starting today and over the coming weeks to accept the new limit.

Apple Pay in the United Kingdom is supported by major credit cards Visa, MasterCard and American Express, with participating banks including First Direct, HSBC, MBNA, Nationwide, NatWest, Royal Bank of Scotland, Santander and Ulster Bank. Bank of Scotland, Halifax, Lloyds Bank, M&S Bank and TSB will eventually support the service.

Apple Pay is compatible with the iPhone 6, iPhone 6 Plus and Apple Watch when paired with an iPhone 5 or later.

Article Link: Apple Pay Limit Rises to £30 in UK
Click to expand...
Great, now can pick up the tab for a couple of coffees, cakes at Starbucks.
 
ItWasNotMe said:
Its quite likely that its not M&S; lots of the "Simply Food"s are a franchise - for example SSP has >50 of these at stations and the like; those at BP forecourts are a different franchise and so on.
Click to expand...

Yes that's a good point. Rail station ones are run by SSP who operate Pumpkin, Upper Crust etc.
 
iGeek2014 said:
I'm hoping Boots will allow for the addition of Advantage Card to Wallet in iOS 9; would be much easier to tap I Have An Advantage Card on the Self Service; then pay using iPhone/Apple Watch with it scanning the loyalty card at the same time.
Click to expand...

Annoyingly at Costa, it's two different systems. The loyalty app is in the wallet but scanned as a QR code, you then move to the card reader to pay. Rather clunky.
 
yep no supermarkets yet almost disappointed and the local bp garage doesn't accept contactless

maybe i'm being a wee bit selfish though you'd think with millions of iPhones etc a new modern method of payment would be available.
 
ItWasNotMe said:
Its quite likely that its not M&S; lots of the "Simply Food"s are a franchise - for example SSP has >50 of these at stations and the like; those at BP forecourts are a different franchise and so on.
Click to expand...
I believe they use the same tills and hardware as M&S stores. The PIN Pads are identical to the ones used in M&S-owned stores.
 
AppleFanBoy82 said:
Boots works wonder - never had problem in any store that accepts contactless yet - tesco is trialling their own system and asda and sainsburys have joined to use a system called current c
Click to expand...

Sainsburys and ASDA haven't joined Current C as thats only in the US. They have joined a similar service called Zapp but its not the same company. I don't think Zapp will really take off, theres no video that shows how it works in a shop - I assume its going to be by entering codes or scanning barcodes.

Sainsburys have recently announced they are going to start rolling out contactless this year with all stores having it by mid 2016.
 
Donfor39 said:
yep no supermarkets yet almost disappointed and the local bp garage doesn't accept contactless

maybe i'm being a wee bit selfish though you'd think with millions of iPhones etc a new modern method of payment would be available.
Click to expand...
BP finished their roll out of contactless terminals (Although some of the night time terminals are still old). Not sure where you are 🙂
 
flipshot said:
Sainsburys and ASDA haven't joined Current C as thats only in the US. They have joined a similar service called Zapp but its not the same company. I don't think Zapp will really take off, theres no video that shows how it works in a shop - I assume its going to be by entering codes or scanning barcodes.

Sainsburys have recently announced they are going to start rolling out contactless this year with all stores having it by mid 2016.
Click to expand...
The main difference as well is that Zapp isn't an exclusive contract, so they can still support other mobile payments.
 
iGeek2014 said:
I believe the process is starting in select, larger stores this month with roll out taking place over the next few months.

Both Sainsbury's I use seemingly have contactless ready terminals (they look very similar to the ones in Boots).
Click to expand...

I think they've rolled out contactless ready terminals to all stores. They are Ingenico iPP300 series terminals.

The Asda stores I use have the same terminals but the same cannot be said for Tesco which still has old terminals.
 
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