Got a tip for us?
Let us know
Become a MacRumors Supporter for $50/year with no ads, ability to filter front page stories, and private forums.
Banks in the U.K. Gearing Up for Apple Pay Launch as Santander Allows Customers to Register Cards
- Thread starter MacRumors
- Start date
- Sort by reaction score
You can use Apple Pay anywhere you would use a regular contactless debit/credit card. So yes, it will work on the London Underground.
Spain may have the infrastructure for it but the reason it's not coming to Spain yet us because Apple and the banks have not agreed a deal.
Having more NFC infrastructure can actually make negotiations for Apple to be harder. It's been turned that Apple have had to accept a lower % from the banks for Apple pay in the UK because NFC is widespread and there is less need for banks to make it available to get people to use NFC.
You could take the fact that Santander in the UK are making Apple pay available, they are a bank based in Spain so maybe it is an good indication that they would be in favour of making it available in Spain and other countries where they operate.
Merchant fees are lower in general in the UK compared to the US. There's a range of reasons for this, such as more competition among payment processors, stricter regulation, and a higher ratio of debit cards to credit cards (debit cards attract lower merchant fees). So it makes sense that if the banks are getting less per transaction in the UK, Apple's cut will be smaller too.
johnnyturbouk
macrumors 68000
[1]
[2]
Never eat at Mac D's, might have to make an exception now.
Agreed, looks like i will need to close me Barclay account down, as a premier customer, i sure do not feel that they have the customer's best interest at heart.
[2]
Never eat at Mac D's, might have to make an exception now.
Why? There are a few hundred thousand other places that accept contactless and therefore will accept Apple Pay when it launches. Subway, Pret, Nandos, Costa, Wetherspoon's, Starbucks, Nero, M&S, etc etc
Can a ticket inspector extract your card details from the phone or watch the same as they can for a contact less card?
No, not at the moment. The inspectors use a handheld device to read Oyster cards. If you offer them your contactless card as the method you used, they just wave you past. No idea if they have plans to change this as the use of contactless/Apple pay grows.
There are ticket barriers at a large number of tube & train stations, but there are often inspectors on the busses.
Email them that you are considering leaving and taking your business accounts with you. Hopefully if you and others do this it'll move them in the right direction.
Apple Watch is the only device that I own which will support Apple Pay, so for me, its a huge benefit.
Those devices can read contactless cards, too. Admittedly it's been a few years since I last encountered ticket inspectors on the Underground, but they show up pretty regularly on Thameslink and the London Overground. And they do check contactless bank cards, or at least they appear to!
You would have a receipt in passbook (soon to be called wallet). You could show them that.
Well, speaking as someone who uses London Underground and buses every day and encounters an inspector every week, they have never attempted to use the device to read my contactless card (which I pay with every day).
Maybe you just have an honest face and aren't the sort of person they'd suspect of ticket fraud
Maybe you just have an honest face and aren't the sort of person they'd suspect of ticket fraud
Ha, could well be!
Maybe you just have an honest face and aren't the sort of person they'd suspect of ticket fraud
I see them on one of the busses I take at least weekly, and they are regularly at Brixton tube.
The Oyster website say they can read bank details from a contactless card and then do an overnight check on your account to see if you have paid. I can't imagine an on screen receipt would be accepted as proof. The only way I can see it working is if you paid by phone but always carried you bank card with you as proof of account details?
This is the service that Barclays and other banks are getting behind:
http://www.theregister.co.uk/2015/07/07/apple_pays_brit_biz_bashed_by_banks_planning_to_zapp_it_out/
http://www.zapp.co.uk
To me this service is incomparable to Apple Pay. For a start, this is the process to make a payment:
"Clicking the Pay by Bank app symbol online will automatically open a consumer’s bank app on their phone. Once securely logged in, they can quickly complete payments. Consumers will be able to see their account balances before they pay and choose different accounts to pay from, thereby staying more in control of their finances."
How long winded does that sound? Any service that requires me to log-in and use a password doesn't offer anything new.
I really hope that UK Banks will lift the cap on Apple Pay and get behind a service that everyone will use naturally.
http://www.theregister.co.uk/2015/07/07/apple_pays_brit_biz_bashed_by_banks_planning_to_zapp_it_out/
http://www.zapp.co.uk
To me this service is incomparable to Apple Pay. For a start, this is the process to make a payment:
"Clicking the Pay by Bank app symbol online will automatically open a consumer’s bank app on their phone. Once securely logged in, they can quickly complete payments. Consumers will be able to see their account balances before they pay and choose different accounts to pay from, thereby staying more in control of their finances."
How long winded does that sound? Any service that requires me to log-in and use a password doesn't offer anything new.
I really hope that UK Banks will lift the cap on Apple Pay and get behind a service that everyone will use naturally.
In this post: https://forums.macrumors.com/threads/ios-8-4-and-apple-pay-in-the-uk.1896173/page-9#post-21553184
An internal TfL doc said:
Apple Pay is recognised by inspectors’ card readers (RID); customers should activate the payment app before touching their device on the RID. Contactless payment card inspection rules apply
An internal TfL doc said:
Apple Pay is recognised by inspectors’ card readers (RID); customers should activate the payment app before touching their device on the RID. Contactless payment card inspection rules apply
Well .. NatWest was about to work, the app crashed after I accepted the terms and conditions and then when I relaunched to try again; I now get stuck here
This is going to be great! I hardly ever carry cash or change with me and paying for small items such as water, sandwiches or beer is going to be made much quicker.
We have had contactless in a while in the UK which has worked really well but I think Apple Pay (NFC) has that modern edge.
We have had contactless in a while in the UK which has worked really well but I think Apple Pay (NFC) has that modern edge.
A merchant can't match an Apple Pay payment to your bank card. They don't receive your bank card details when you pay by Apple Pay, but rather the Device Account Number which is generated when you set up the card in Apple Pay.
What they, apparantely, will be able to do is scan your phone with their handheld device in the same way that they scan a contactless bank card. This will be just as effective as a contactless card in verifying that you've paid.
This does mean that you need to be careful not to mix Apple Pay and contactless card payments, or you could end up paying more. The automatic daily and weekly fare capping, for example, relies on you using the same payment method for all your journeys.
And if you were to "touch in" with Apple Pay and then "touch out" with a bank card, you'd end up paying 2 fares (and they would both be expensive "incomplete journey" fares).