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Apple Pay Officially Launches in the United Kingdom Today

Azzin said:
When I do that, it brings up my Notifications (but stays locked).
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Maybe it's an iOS 9 thing? When I double click it comes up with the card and asks for touch ID then says to hold the phone next to the reader.

I tend to actually double click with my thumb already on the touch ID so actually it goes almost immediately to hold against the reader.
 
Gibbage said:
I'm so sold on the concept of an offset mortgage that I don't think I'll change. I'm taking the fact that hardly any banks offer offset mortgages as evidence that they are great for customers, not so good for banks ;)
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There's no rule that says your current account has to be with the same bank as your mortgage.
 
flipshot said:
You can do the fingerprint activation in advance if you open passbook, select the card and hold your finger on touch id. It will then say Hold Near Reader To Pay and you don't need your fingerprint at that point until it times out.
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My goodness, what a faff.

Far easier to just use the Oyster card.
 
Kovich said:
Similarly with the watch. Double Clicking triggers some form of "listening" mode. Do not know how long before it times out, but from a tube perspective getting yourself sorted as you reach the top of the escalator is probably a good idea so you are not scrambling to do so at the barrier.
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Just did a quick test and the Watch times out after one minute and returns to the homescreen.
 
Benjamin Frost said:
My goodness, what a faff.

Far easier to just use the Oyster card.
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Like I've been saying (and it might be just iOS 9) you don't need to open passbook and select the card. Just double click the homebutton (use your touch ID finger/thumb) and the default card will appear and if you have used the right finger will almost instantly be usable for the reader.
 
Zxxv said:
It was a joke mate :)
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I got your joke.

I was taking about

Jennifer Bailey

"Vice president of Apple Pay Jennifer Bailey said the system will be able to used to not only buy coffee and other low-price transactions, but full shopping baskets’ worth of goods following merchants’ decisions to upgrade their contactless terminals’ software to accept transactions with a greater value than £20, rising to £30 in September."
 
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MH01 said:
I got your joke.

I was taking about

Jennifer Bailey

"Vice president of Apple Pay Jennifer Bailey said the system will be able to used to not only buy coffee and other low-price transactions, but full shopping baskets’ worth of goods following merchants’ decisions to upgrade their contactless terminals’ software to accept transactions with a greater value than £20, rising to £30 in September."
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K. Wasn't clear :) would have been if you did what you just did by quoting just that bit :)
 
Reason077 said:
Quicker than easier than Apple Pay on an iPhone, yes.

But with the Apple Watch you get to skip the cumbersome "dig around in pockets/purse/wallet to find card" routine. There's something to be said for the convenience of having your payment method strapped to your wrist at all times.
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But you need two hands, it's still five times slower than an Oyster card, and the terminal is on the wrong side if you're right-handed.
 
Just tried to pay for something in Waitrose with my watch. It failed. The watch didn't seem to be recognised. Used my HSBC contact less debit card in the end. I wonder if it was because the only card I can register at the moment is my Amex credit card?
 
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Weavus said:
Switching banks is very easy now and nothing like it used to be. You just sign up to a new bank, select transfer account and in seven days they will transfer all SO's, DDs balance etc and then proxy all payments to/from the old account for a further 3 years.

I switched from HSBC this morning (after being with them over 25 years) in about 10 minutes and will be up and running on the new account well before HSBC pull their thumbs out of their asses and support Apple Pay.
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I know it's quite easy to switch banks, but is it worth it just to use Apple Pay? I don't think so. (IMO).
 
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Set up my non-contactless credit card today and used it in M&S to buy my lunch.

Observations:

1 - Too slow. Ok in a shop, no good as an Oyster replacement.
2 - I just used my credit card to buy my lunch which is of course pointless. I could add my debit card as well but then I'd have to faff about selecting it, and frankly it's quicker to just pick the right card out of my wallet. Ok, I could set my debit card as the default but then I don't really gain anything over just using the contactless card.

I think where it will be good with my credit card is for in-app purchases.

HOWEVER - I don't know if this has been answered of not, but are you still covered by Section-75 card protection if you use this? Or is it like if you use PayPal linked to your credit card you aren't covered?
 
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NeilHD said:
Set up my non-contactless credit card today and used it in M&S to buy my lunch.

Observations:

1 - Too slow. Ok in a shop, no good as an Oyster replacement.
2 - I just used my credit card to buy my lunch which is of course pointless. I could add my debit card as well but then I'd have to faff about selecting it, and frankly it's quicker to just pick the right card out of my wallet. Ok, I could set my debit card as the default but then I don't really gain anything over just using the contactless card.

I think where it will be good with my credit card is for in-app purchases.

HOWEVER - I don't know if this has been answered of not, but are you still covered by Section-75 card protection if you use this? Or is it like if you use PayPal linked to your credit card you aren't covered?
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I believe it would be the same as using a contactless card.
 
joe-h2o said:
You misunderstand. The current NFC limit is £20. In September the limit will be £30.

With Apple Pay it will be unlimited (due to the higher security since it's not just contactless with no authentication, but the terminal in the store needs an update to be able to do this. Until the update is done, those terminals will only accept up to the base limit (£20 now, £30 in September) for any NFC transaction.

edit:typo
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Current NFC limit in Canada (Toronto) is $100. I would like to see this increased to $250.
 
Benjamin Frost said:
But you need two hands, it's still five times slower than an Oyster card
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I'm not sure about this part. Maybe it's my imagination, and I've yet to try it on the Tube. But using Apple Pay in stores, the transaction seems to go through noticeably faster than with a contactless card. Just a guess, but this is maybe because Apple Pay's card emulation performs better than the cheap/slow chips built in to contactless cards?
 
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