Lidl who have supported contactless for ages now have a sign on their cash card machines at checkout saying surprise we now support contactless payment. With a list of a few cards/merchants. Gonna be interesting how this takes off in the uk. ie will people get angry at the tills if pay is rejected.
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Apple Pay UK launch February 2015
- Thread starter JaJaWa
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I bank with RBS and shop at Tesco almost daily as it's our local supermarket.
All I need is my iPhone 6s next September and I'm set.
All I need is my iPhone 6s next September and I'm set.
After doing some reading I realized the name is wrong. It should have been Pay Apple instead of Apple Pay.
I work for one of the big retailers who are supporting ZAPP, and this makes me very sad
Change your job....
That can be an issue with Passbook - but with Apple Pay your fingerprint is required, meaning the merchant will have to bring you the terminal rather than you being able to give them your phone.
Although ZAPP have said that being part of them does not prevent the bank/retailer operating Apple Pay, a large portion of the promotion of ZAPP appears to be based around avoiding paying fees to MasterCard/Visa - something that Apple Pay will not let them avoid. Nearly all of the ZAPP merchants have made almost no effort to roll out contactless and this could be part of the reason why.
Well we all know how the uk works. They'll avoid the fees but not pass them onto customers. Sure they may pretend to in the beginning but once they win they'll jack prices back up and screw customers who three away credit and bank protection. A direct link into bank accounts followed by a chip in your arm at birth. Merchant drains your account. Compaint falls on death ears. Sounds a nightmare waiting to happen.
The issue I have with Zapp and MCX is that retailers prices are including card processing fees. They are moving towards Zapp to not only avoid the fees but also keep the extra they are charging you for the fees.
If they said "Hey, were avoiding fees so were lowering our prices" people will be a little happier.
Also with Zapp each retailer will ahve their own app, with their own payment workflow. Sainsburys have just announced theirs which seems to be OK as its based on the self checkout model. But if you've ever done that you know its never easy and has so many problems.
If they said "Hey, were avoiding fees so were lowering our prices" people will be a little happier.
Also with Zapp each retailer will ahve their own app, with their own payment workflow. Sainsburys have just announced theirs which seems to be OK as its based on the self checkout model. But if you've ever done that you know its never easy and has so many problems.
ZAPP are launching an app which will give a QR code to pay at all their partner stores.
Just checked the Zapp website, looks like HSBC are going with them rather than Apple pay. Looks like I am gonna have to switch banks.
Might wanna read this. Zapp is allegedly welcoming Apple Pay and isn't restricting businesses to one or the other.
http://www.trustedreviews.com/news/apple-pay-given-thumbs-up-by-zapp-the-uk-s-own-currentc
If it works in the same way as CurrentC does (or will do when it's launched) in the US then it'll not be as streamlined as Apple Pay.
The US CurrentC system requires you to open the app and scan in a QR code from the retailer. The app then generates another QR code that the retailer scans in to complete the transaction. Apple Pay is a lot more streamlined.
One of the other problems with CurrentC (and so maybe ZAPP) is that you need a data connection for the payment to be made (my understanding is that Apple Pay does not require this based on testing people have done in the US in Airplane mode). Now in many large stores the construction of the buildings does not make for a reliable mobile data connection so you could end up with your mobile data dropping out and instead you have to jump through whatever hoops there are to join the stores free wifi (if indeed any is provided).
ZAPP and CurrentC make things cheaper and easier for the retailer (cuts out credit card transaction fees for the retailer, has direct access to your bank account, makes profiling you easier) but isn't really any easier for the consumer than chip and pin is.
Apple Pay seems to be about making it easier for the consumer. Yes, Apple get a cut of the payment processing fees (they are after all a business that is out to make a profit) but that comes from the card issuers profits and it doesn't cost us as a consumer any extra. I saw people using Apple Pay when I was in the US last week and it really was simple and straight forward to use.
I'm looking forward to Apple Pay coming to the UK. It's not going to stop me going to retailers that do not support it but I'll use it where it is available and if it was a 50/50 choice between two retailers, one who supports it and one that doesn't then I'd probably go with the one that does support it.
My local small Asda has crap coverage.
They do provide free wifi - probably done that in prep for ZAPP, thinking about it, because coverage tends to be poor in most supermarkets as you say, and who needs wifi in a small supermarket that has no cafe or anything?
My issue with their free wifi is that you need to enter mobile number to confirm. Then reading the terms and conditions, they say they can do whatever they want with your number - spam the hell out of you themselves, use it for research, or pass it on to third parties so they can spam you crazy. And there's no "opt-out" other than, "don't use our service".
So I don't plan on using Asda's free wifi. I've also emailed O2 to opt-out of their "marketing" terms. McDs too.
True, the claimed cut is 0.15% of the transaction amount. While it's arguable that this cost would in time filter down to the consumers, the expectation is that it will be more than offset by the cost savings from reducing fraud. Essentially the banks feel this investment will result in a net reduction of cost.
Yes, it is definitely easy when the processes and training are ready for it. There are growing pains of course, especially with merchants who had prepared/trained such as those who just happened to have NFC enabled.
Quick question -- with chipped cards, how long of a time must you leave the card in the terminal? Instructions I received with a new chipped credit card claimed the card would need to remain in the terminal until the transaction was complete. This may be a bit of a change for US consumers used to the ability to swipe their card and immediately put it away before then completing the transaction.
Chip and pin is fairly quick, I'd say. It connects to authorise every time, but doesn't usually take long.
Card in, wait for pin prompt (a few seconds), enter pin, pin ok, few seconds for "authorised", and out you go.
Max of 10 seconds for a typical transaction I think.
Although that may sound like a lot of time and effort, I think (for me), it's no worse than swiping, waiting for a receipt to print, then signing (though that's something I haven't had to do for about 10 years).
The terminal tells you when to remove card. First says amount to pay, then to input pin and press enter, then when is finished to remove card.
Thanks for the details. I'm sure consumers will adapt but not without complaint.
I think the biggest challenge will be inconsistency between retailers. My understanding is that we'll face a mixture of chip+sign and chip+pin for a while here, plus the transition at fuel retailers will likely stretch out longer due to the additional two years they have before liability shifts.
As you've already gotten past that hurdle, it should be interesting to see any differences in perception and adoption of ApplePay. Here in the US we'll already face a card payment transition forcing consumers to change their habits. Sometimes it's easier to roll out a new option when the existing option is deprecated and consumers have to change anyway. Yet (if I'm not mistaken) there's no underlying sea change in the UK card payments space, so ApplePay would be entering a more "stable" payments landscape.
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To be honest I think people will just use it without too much of a fuss, we've been able to use contactless cards with NFC terminals for a while now but until now they have had a low transaction limit due to the fact that no interaction (other than the wave at the terminal) is generally required.
What Apple Pay does is effectively gets rid of that transaction limit as there is user approval in terms of the fingerprint.
At the end of the day, people don't want to spend time standing in queues so if it makes life easier and faster for them then they will probably adopt it, if it doesn't then they will stick with chip and pin.
If people are unhappy with certain retailers and banks not supporting Apple pay then why don't you just send an email to their CEO. Ok one email won't do much good, but if plenty of people suggest supporting it then they have something to think about.
I work for one of the retailers who will be using Zapp, but thats ok, I don't shop there exclusively.
I work for one of the retailers who will be using Zapp, but thats ok, I don't shop there exclusively.
Currently with Lloyds so I'm happy!!...
...But soon to be switching to Metro...
Now I'm sad...
But will ZAPP cards work on Apple Pay?
...But soon to be switching to Metro...
Now I'm sad...
But will ZAPP cards work on Apple Pay?
Is that true that the £15 ceiling on contactless is going to be removed with Apple Pay?