Apple watch and apple pay in the UK

Due to the lack of security with contactless cards their are transactions limits of £20-£50. Because of the way Apple Pay works there is no transaction limit as (other than your credit limit or bank balance).
 
F-Train said:
and, I hope, make carrying a credit card unnecessary, at least most of the time. I'd like to get rid of a wallet completely, and I think it's coming.
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That is what would completely sell it to me - but I think we are far from it. It will be a while before you can be sure that every business (not to mention that banks would have to implement it on their ATMs in case you need cash).

It would be even better if the phone could also replace you other NFC cards (in my case I have one for public transport and one for the city bicycle sharing system), and all your loyalty cards (but for now must of them are magnetic stripes). That would be when you can seriously think of not having a wallet (though you might also be carrying things like national ID cards or medical insurance cards which are not electronic ones and would need upgrading as well).

I can see Apple's goal here and I agree with you it is coming. But in my opinion it will take a while.

PS: and as someone who likes streamlining I like tidy wallets :) - I genuinely can get any of my 3 VISA cards in 2 seconds.
 
bob24 said:
But what if you have 3 cards and need to chose which one to use?
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You set a default card that shows up first, you can then swipe left to switch to your other cards. Unless you use all of your credit cards an equal amount of the time, the default card will be the one you use most.
 
bob24 said:
But yes, I have also been using chip and PIN cards for almost 30 years (since I got my first cash withdrawal card as a child) so I think the security argument is a stronger selling point in the US and other countries where chip and PIN adoption has been very slow - which is probably why US banks have been much more enthusiastic about ApplePay than European ones.
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You've had a cash card which uses a pin number for 30 years but not a chip and pin card for payments as they've only been around for 9 years.
 
Trhodezy said:
Yeah it is, however when Apple bring Apple Pay to the UK there won't be a limit as it's 100% secure; that's the end game for us in the UK, that's why Apple Pay will rock.
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From my experience, a lot of the terminals won't activate contactless if the cost is more than £20 and the cashier can't seem to override it, even if you tell them your contactless card (from the U.S.) has a higher limit. Hopefully they can update that easily.
 
The £20 limit is part of our NFC solution here in the UK. It's increasing to £30 in the next few months. Once ApplePay is supported by any card issuer in the UK you should be able to use it with any Contactless terminal (and there are lots, now).

Some vendors might sign up to ApplePay specifically (e.g Waitrose and M&S were mentioned in the Keynote) and presumably with them you will be able to spend more than £20/30 on a transaction.

As to why use it? Because it's cool! :D
 
danmart said:
The £20 limit is part of our NFC solution here in the UK. It's increasing to £30 in the next few months. Once ApplePay is supported by any card issuer in the UK you should be able to use it with any Contactless terminal (and there are lots, now).

Some vendors might sign up to ApplePay specifically (e.g Waitrose and M&S were mentioned in the Keynote) and presumably with them you will be able to spend more than £20/30 on a transaction.

As to why use it? Because it's cool! :D
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Just further info...

Visa & Mastercard have confirmed that some retailers in the UK will ditch the £20 (Later in the year to be £30) limit. Boots confirm they will be limitless in November...

http://www.pocket-lint.com/news/134205-apple-pay-uk-some-retailers-to-ditch-20-contactless-limit
 
I wonder - would one of the incentives for the "UK love" be that Jony's going to be spending a lot more time there, now that they've freed him of a lot of his management duties? Maybe they put an extension of the design team in the UK and expand Apple's presence there?

Can't have your Chief Design Officer having to break out his wallet as he's moving about town. :)
 
fischersd said:
I wonder - would one of the incentives for the "UK love" be that Jony's going to be spending a lot more time there, now that they've freed him of a lot of his management duties? Maybe they put an extension of the design team in the UK and expand Apple's presence there?

Can't have your Chief Design Officer having to break out his wallet as he's moving about town. :)
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LOL. :)
 
I am glad it's finally been announced for the UK and is apparently being introduced next month. I'm also happy the bank I use is included in the initial agreement. Hopefully there will be a decent number of the 250,000 locations that are included that I actually frequent. Hopefully Costa, Starbucks and the major supermarkets will be part of that initial roll out.
 
Mr.C said:
I am glad it's finally been announced for the UK and is apparently being introduced next month. I'm also happy the bank I use is included in the initial agreement. Hopefully there will be a decent number of the 250,000 locations that are included that I actually frequent. Hopefully Costa, Starbucks and the major supermarkets will be part of that initial roll out.
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From what Ive read, anywhere that currently accepts contactless payments will accept Apple Pay!
 
I've enjoyed making contactless payments since my cards were updated but here's an example where i couldn't use it. I went to pay for fuel using contactless but it wouldn't work only for the cashier to realise the pumps showing £20.01 because of the extra 1p it wouldn't work as £20 is the maximum transaction. Apple Pay will be a welcome addition for me
 
Apple Pay uses the same payment framework as Contactless by default, so you still face the same payment limit unless the vendor has specifically signed up to ApplePay and chosen to waive the limit.
 
For me, Apple Pay in the UK is a big deal. I can't wait to use it on the TfL network, its gonna be a time saver and one less card to carry around. I will primarily be using it on Apple Watch, since I don't have iPhone 6.

I've never used a contactless card, but the fact thats usually in your wallet and in your pocket, means that Apple Pay on Apple Watch is still quicker, since you're basically wearing it.
 
Question, what about us from the States traveling in Europe with apple pay right now. Will it work on contactless terminals? I will be traveling that way next week and was wondering if its even worth it to try?
 
How does it work where you have a membership card, e.g. Costa? Do you need to fumble through passbook to find that then do the double tap to get your card? Still plenty of places where contactless needs to appear for me - tesco being one.
 
jonfarr said:
Question, what about us from the States traveling in Europe with apple pay right now. Will it work on contactless terminals? I will be traveling that way next week and was wondering if its even worth it to try?
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In the UK understand that it works already with any NFC terminal, as long as the transaction is under £20. Not sure about other countries.
 
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