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It actually looks like Sainsbury's implementation of ZAPP might be quite good - you'll be able to scan items with your iPhone as you walk around the store, pay on your phone, and just walk out! All without going near the checkout. :)

Of course, it would be nice if they support in-app Apple Pay for that...

how many stop and searches are there going to be from security looking to make themselves relevant?

Thing is the moment you pay for your goods, the moment money exchanges hands the goods are yours and you don't have to do anything the security asks. They have no power except to accuse you of theft and call the police. If you open your bags its voluntarily. I can see many people getting fed up with stop searches and saying bugger off.
 
The reason I am hoping apple pay becomes widespread in the UK is because, regularly go out without my wallet, either intentionally,as work prefer us not to carry our own cash, or just forget it for what ever reason, but I almost never go without my phone, and their are plenty of times I've wanted to buy something but had no payment method so have been unable to.
 
Is it not the acquiring banks that implement this as this is who authorises the payments not your highstreet bank. If the merchant you are buying from is accredited with that acquirer then in theory they can support apple pay if their acquiring bank supports apple pay.

You will notice that on some chip and pin terminal's the name of the acquirer that merchant uses, IE elavon, worldpay, Barclays merchant Services (BMS) and then the merchant needs to have the contactless terminals.

I don't think its bank you bank with that plays any part in it really, you can load any card in to your passbook on your iPhone and it will store it and it will work regardless of who you bank with if the merchant takes apple pay.

Of course you just made most of that up. You cannot load a card into ApplePay unless your bank participates in the system. At the point of loading the card there is interaction between the phone and your bank to validate the details. Try loading your cards today according to your theory you should be successful even before the system is implemented.
 
The reason I am hoping apple pay becomes widespread in the UK is because, regularly go out without my wallet, either intentionally,as work prefer us not to carry our own cash, or just forget it for what ever reason, but I almost never go without my phone, and their are plenty of times I've wanted to buy something but had no payment method so have been unable to.

I always carry my purse but rarely carry any cash. I just prefer to use my card to pay for things. Anything that allows me to go cashless is a win in my book. So I'm looking toward to it coming to the UK.
 
Maybe been answered but does apple pay work if the iPhone has no battery power left?
 
I see. So you can't rely on it and still need a wallet. Otherwise, when battery runs out, you'll end up with no internet and no money!

This is why I thought the way that one Australian bank does mobile payments, is actually kind of clever:

They issue an contactless card sticker that you place on the back of your phone case. The card is how tap-and-go payments are made. No NFC parts are required in the phone itself.

A related app on the phone is used to enable/disable acceptance of the card via communication with the bank, and to get alerts as to the card usage. In other words, if you were security conscious, you'd click to tell the bank to disable the card most of the time, and only enable it when you went into a shop and were about to pay.

The beauty is, if you knew your battery was about to die, you could use the bank app one last time to make sure that the card was enabled for multiple purchases, so you would not get stuck somewhere without being able to get a ticket or ride home. (And remember, such payments are limited in amount without the user entering the card PIN at the payment terminal.)
 
This is why I thought the way that one Australian bank does mobile payments, is actually kind of clever:

They issue an contactless card sticker that you place on the back of your phone case. The card is how tap-and-go payments are made. No NFC parts are required in the phone itself.

A related app on the phone is used to enable/disable acceptance of the card via communication with the bank, and to get alerts as to the card usage. In other words, if you were security conscious, you'd click to tell the bank to disable the card most of the time, and only enable it when you went into a shop and were about to pay.

The beauty is, if you knew your battery was about to die, you could use the bank app one last time to make sure that the card was enabled for multiple purchases, so you would not get stuck somewhere without being able to get a ticket or ride home. (And remember, such payments are limited in amount without the user entering the card PIN at the payment terminal.)


I like the idea and this could work for the NFC version of the card on the phone / watch. But this is like a second card linked to the same credit/debit account at the bank as your physical card and pictorially represents it. They are however different cards.

Think of it as like this: instead of the bank creating a second card for your account, your iPhone is carrying out the same process to create one.
 
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