Personally I've never opted for contactless cards, which can be scanned while still in your pocket !! Surely Apple Pay is more secure in that you need a fingerprint - at least at the moment. Hopefully they will lift the £20/£30 limit soon to.
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Apple Pay Now Supports HSBC and First Direct in the UK
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Here in Denmark we have basically just this everywhere.
http://ingenico.us/terminals/ipp350/
Which supports NFC, yet not even mention of Denmark. And Banks are douchebags they rather push this CurrentC type ******** than adopt the proper way.
Try using it with an Apple Watch and the point will become very clear! 2-3 seconds max.
Even with a phone, I can get my phone out of my pocket faster than getting my wallet out of my pocket and then getting my card out of my wallet. And the bonus is - I no longer need to carry a wallet!
Just multiply your degree of hassle by 10,000, and you'll get a rough idea of the complexity for a large-scale retail chain.
For those wondering - I have a non-contactless HSBC Advance Debit card (the red one) and could add it to Apple Pay without a hitch. So your card does NOT have to be contactless
Yep, I've used my Apple Watch to pay in Morrison's - worked flawlessly.
For those wondering - I have a non-contactless HSBC Advance Debit card (the red one) and could add it to Apple Pay without a hitch. So your card does NOT have to be contactless
I was just going to confirm this myself. My Nationwide debit card is not contactless. They added contactless after I received my card. I can request a new contactless one at any point, but not bothered to do this yet as I mainly use Barclaycard credit card for shopping (which is contactless).
I managed to add the non-contactless Nationwide debit card to Passbook no problem, though not had a chance to try out Apple Pay yet.
Now Barclays need to stop dragging their feet or I might change my credit card to Nationwide too.
Been using Apple Pay today with my first direct card and its been working great!
Paying with the iPhone works pretty well but the experience with the Apple Watch is far superior. I love not having to pull my wallet or phone out of my pocket. It just made the watch a whole lot more useful!
Paying with the iPhone works pretty well but the experience with the Apple Watch is far superior. I love not having to pull my wallet or phone out of my pocket. It just made the watch a whole lot more useful!
How do you get on when you have to spend more than £20 or the retailer doesn't have a contactless terminal?
I can't see myself leaving the wallet at home any time soon, I still use cash in a lot of places and often spend over £20 while out shopping.
Not the Morrisons I work in, wish they had it at least on the self serve checkouts. As for HSBC, same problem with Credit card just sitting there Activating while the Debit card went through straight away.
I had to phone First Direct to get my card activated.
The nice helpful man said people had been phoning them all day making similar requests.
If you look at the history of Apple version 1.0 product launches, they always start this way. It's always an exponential roll out, with the number of countries doubling roughly twice a year. (Source: http://www.macstories.net/stories/mapping-apples-international-iphone-ipad-rollouts/)
So they started in October of last year with 1 country. Then they added the UK in July. Sometime later this year they'll probably add two new countries (my bet would be Canada and Australia). Next year they'll add another 12 countries (4 + 8). In 2017 they'll add another 48 (16 + 32). By the end of 2018 it'll be more or less available worldwide.
Card terminal companies? What are those? Verifone and others have nothing to do with Apple Pay other than implementing NFC technology into their terminal.
Visa & MasterCard are responsible for paying a portion of their fees collected from merchants towards the use of Apple Pay. The investment into Apple Pay will be worth it when it becomes more widely used throughout the world. Spending .015 per transaction is much more cost-effective than paying out millions in a lawsuit from fraudulent charges.
Well, the £20 limit is short term only, rising to £30 very soon (covers a lot of my ad-hoc purchases) and retailers will get updates later this year to allow higher/unlimited purchases. I hardly ever have as much as £30 of cash in my wallet these days because I use cards for everything. Even now I can leave my wallet at home and just carry my debit card in my phone case as a backup but use my Watch where possible. If I need cash I can get it via my debit card almost anywhere.
It's still early days obviously but I am using Apple Pay where I can to encourage uptake. Tesco are losing a lot of my small purchases to Morrison's because they don't support any contactless technology at all in any of my local shops, big or small. The food is better too as a bonus...
Well I really LOVE it!
Especially since I don't have to touch a filthy germ infested pen!
Japan has an even higher NFC penetration and it's also the country with the highest market share for iOS.
Exactly. Not sure what the big deal is to have new microchip & NFC readers installed. These business act like they can't write it off on their taxes as a business expense. Mom and pop stores are still using dial up readers for God's sake.
If I were a business owner, my first priority would be my customers who give me their money. In return, I would market a safer, more private way to pay, by the means of Apple Pay.
erm not used a pen for card payments in about 10 years lol. contactless cards and before that chip and pin.
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say a country has 1 person, 1 shop with 1 terminal and that 1 terminal is contactless. 100% contactless country. everybody there uses contactless. but do you think the country is a priority for apple? that's what he means about the raw numbers being a priority, not the percentages. of course, australia is nothing like this fictional country and i'm sure it IS a priority for apple, but not as much as the percentage/density figures may suggest.
Places where you can buy things.
If you want a few examples, last night I rehearsed with my band and the studio we rent is cash only. I also bought a bag of sweets from the corner shop yesterday and I'm going to a football match tonight and will be paying for my chicken tikka wrap with cash from the van parked outside the ground which doesn't take cards.
I did use my debit card to book the tickets for the match and fill the car up with diesel but both of those transactions were over £20 so wouldn't have been possible with Apple Pay.
The raw numbers may be a priority, but he mis-applied them. With a population of 3 x Austraia, a NFC number of 2 x Australia, the raw numbers as stated can only favour the UK. The per capita density is irrelevant, it could just mean we have a lower number of shops per capita. Possibly all of them with NFC.