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Can you hep me? I am in UK with US Apple ID. I have iPhone 5 and Apple Watch. How to activate Apple Pay when it is officially ready. I don't have options in my iOS Watch app for this.

It doesn't matter whether you have a US ID or not, you need your regional settings switched to the US. Then add a supported US bank card inside of passbook. As long as your watch is setup with that phone then I'd imagine it'll transfer over when you go to pay.
 
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.

Barclays is not listed in ZAPP. Barclays is not supporting ZAPP nor Apple Pay at the moment as they have their own payment contactless system called bPay.

http://www.bpay.co.uk

And it's not the banks that restricted the cap. It's the terminals that can the stores use. All contactless payments are restricted to 20GBP. That includes the contactless cards, ZAPP and Apple Pay.
 
Barclays is not listed in ZAPP. Barclays is not supporting ZAPP nor Apple Pay at the moment as they have their own payment contactless system called bPay.

http://www.bpay.co.uk

And it's not the banks that restricted the cap. It's the terminals that can the stores use. All contactless payments are restricted to 20GBP. That includes the contactless cards, ZAPP and Apple Pay.


Zapp announced yesterday that Barclays have joined them and "pay by bank app" will be available through Pingit.
 

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It doesn't matter whether you have a US ID or not, you need your regional settings switched to the US. Then add a supported US bank card inside of passbook. As long as your watch is setup with that phone then I'd imagine it'll transfer over when you go to pay.

I am in UK and I don't have and can't have credit card to be associated with my Apple ID, I don't have US bank account. But I have Santander account.
 
Zapp announced yesterday that Barclays have joined them and "pay by bank app" will be available through Pingit.
I'm reading through ZAPP and I fail to see how this competes with Apple Pay bar paying things online.

ZAPP isn't a contactless payment system.
 
I'm reading through ZAPP and I fail to see how this competes with Apple Pay bar paying things online.

ZAPP isn't a contactless payment system.

Agreed, it's a mobile phone app based system rather than contactless.
 
I'm reading through ZAPP and I fail to see how this competes with Apple Pay bar paying things online.

ZAPP isn't a contactless payment system.

They seem to have scaled back the ambitions of ZAPP, they have changed the website from how it was a few weeks ago. However if you look at some older press releases they mention in store payments as well, although its not clear how they would work - probably using QR Codes like CurrentC in the US.
 
Pity you can’t pay friends by touching 2 iOS devices together.
Definitely something we can expect in the future. You can already send payments from banking apps to phone numbers...not really that big of a jump to do it via NFC.
 
[1] 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.

Seriously, I mean seriously! You would leave your bank simply because you cannot touch your phone to a card reader? I wasn't aware that children had iPhones and bank accounts.

Forget him leaving his bank over something so small.

The man has decided to start eating at McDonald's just to use Apple Pay.

The horror! :eek:

(Pretty much what millions of Americans did right away with Apple Pay: run out to buy junk at McD's and Whole Foods grocery. It'd made a good Monty Python skit.)

The other day I went to pick someone up, a quick five minute job, so just jumped in the car with nothing but my phone. Except things got delayed, and I ended up siting in a hot car for half an hour, enviously looking at the McD's across the road, where I could have bought a drink if only I had Apple Pay on my phone!

So you forgot your wallet? You had no driver's license with you? Seems like that's more important.
 
I am in UK and I don't have and can't have credit card to be associated with my Apple ID, I don't have US bank account. But I have Santander account.
so just wait until next week when apple pay is available for Santander.
 
Apple have applied for a patent that if watch user bump their wrists together they'll be able to send cash. Being able to transfer money at a bump of the phone would be good. Also this would annoy Barclays and their pingit service. Has any here used PAYM? It seems to be one of the most widely used forms of person to person payments (Among the banks) yet no one i know has every used it.

I've used it a few times, yes. Not much to say other than it's fine for transferring small amounts of funds easily.
 
I'm going to keep my Natwest card in a hidden pocket in my bag. The only things I'll have directly to hand are my oyster card, my phone and my watch. I really dislike cash, and probably would prefer to go US style have have bills of smaller amounts (£1, £2). At most I'll keep a £5 note wrapped around my osyter card.

But everywhere i now shop (mostly) now has contactless. Only downside is the little newspaper shops like to charge 40p every time i use it.
 
I chose not to take my wallet. No legal requirement to carry your driving licence over here (UK)

Nice.

Likewise, in many US states, if you forgot your license and you're stopped, the cops will let you simply later prove you have one, to avoid a charge.

Alas, I now live up in the Northeast US, where small town New Jersey cops/courts are quite happy to fine the heck out of you instead.
 
You can use Apple Pay anywhere you would use a regular contactless debit/credit card. So yes, it will work on the London Underground.
THanks. I did not know you could use contactless debit/credits cards too in stead of Oyster. Great system!
 
I'm going to keep my Natwest card in a hidden pocket in my bag. The only things I'll have directly to hand are my oyster card, my phone and my watch. I really dislike cash, and probably would prefer to go US style have have bills of smaller amounts (£1, £2). At most I'll keep a £5 note wrapped around my osyter card.

But everywhere i now shop (mostly) now has contactless. Only downside is the little newspaper shops like to charge 40p every time i use it.
You dislike carrying cash but happily walk around with a £600 phone in your pocket - love the logic. :-(
 
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You dislike carrying cash but happily walk around with a £600 phone in your pocket - love the logic. :-(
Judging from his argument I really doubt the value of what he carries around is his justification for not wanting to carry change, more likely some combination of the weight, bulk, noise and fiddliness that loose change can bring to the pocket-having experience.
 
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Judging from his argument I really doubt the value of what he carries around is his justification for not wanting to carry change, more likely some combination of the weight, bulk, noise and fiddliness that loose change can bring to the pocket-having experience.

If you spend the loose change life is easier. Many don't though. They take it home and stick it in a jar and count it out once a year and take it to their bank. That's silly because they end up spending more than usually due to consistently breaking into a note. Just take your time and count out your change and use it at the point of sale. You'll save loads. As the saying goes look after the pennies and the pounds will look after themselves. Oh and your trousers will remain lighter and change free.

Why it works is because instead of saving coins you save notes and that image is more powerful to you and spills over into other areas of life.

im an ex coin saver
 
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You dislike carrying cash but happily walk around with a £600 phone in your pocket - love the logic. :-(

There is no correlation between the two. (Unless you are talking about security) I'll be happy when the only thing that i have to carry is my phone. I don't even now need to carry my debit card to get money out of the bank. The Natwest withdrawal code will do that.

So carry a small amount of cash and annoying coins, when i'll be able to place my watch or phone on a terminal or get Natwest to message me a code if i can't pay for something via contactless.

Plan is; left pocket lighter, right pocket phone, back pocket tobacco filters and rizla.

Hell, I'm hoping that Apple open up the NFC so i can get into my apartment and my office. Then i don't need to worry about my keys or my work fob.

And it'll all be secured by TouchID.
 
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Judging from his argument I really doubt the value of what he carries around is his justification for not wanting to carry change, more likely some combination of the weight, bulk, noise and fiddliness that loose change can bring to the pocket-having experience.

Perfectly put sir. Upvote for you!
 
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Can someone shed some light on this "get money out of cashpoint without debit card" app that's been mentioned a few times please?

Is it bank specific for example?

Ta.

It's a natwest feature. You go into the app. Select get cash. Select amount. It generates a code. You can iMessage or text that to yourself or someone else or memorise it. Go to the cashpoint. Select emergency cash. Input the code twice. Input the amount you asked for. Cash comes out.

I memorise the code or iMessage it to myself as I don't like to be in my app at a cashpoint. Especially at night.
 
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Can someone shed some light on this "get money out of cashpoint without debit card" app that's been mentioned a few times please?

Is it bank specific for example?

Ta.

They say a picture is worth a thousand words so a video is worth a gajillion dollars

 
It's a natwest feature. You go into the app. Select get cash. Select amount. It generates a code. You can iMessage or text that to yourself or someone else or memorise it. Go to the cashpoint. Select emergency cash. Input the code twice. Input the amount you asked for. Cash comes out.

I memorise the code or iMessage it to myself as I don't like to be in my app at a cashpoint. Especially at night.

Ah ok, thanks.

No good to me as I bank with First Direct, but they're a day 1 Apple Pay partner, so here's looking forward to Tuesday.
 
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