Barclays Anticipating 'Imminent' Support for Apple Pay in United Kingdom

[The Game 161]

Agreed!

Details at http://www.rbs.com/news/2015/june/NatWest-and-RBS-to-offer-Apple-Pay-to-customers.html

Thanks for the link

 

[quackers82]

I filled an official complaint form in about their lack of support for apple pay, I had a phone call within 2 hours from Barclays explaining the situation. I laughed at how much abuse they were getting on Twitter not supporting it. I'm guessing the amount of complaints / comments being made has made them change their mind. I'm giving them until Christmas to support it or I'm off to somebody else .

 

[PJWilkin]

I filled an official complaint form in about their lack of support for apple pay, I had a phone call within 2 hours from Barclays explaining the situation. I laughed at how much abuse they were getting on Twitter not supporting it. I'm guessing the amount of complaints / comments being made has made them change their mind. I'm giving them until Christmas to support it or I'm off to somebody else .

Christmas ? I'm giving them until the end of next week to make a statement

If they remain silent, I'll move all my accounts to another bank

 

[KeithJenner]

I'm still a little confused about why so many people are talking about changing banks because of Apple Pay.

Is it that everyone is planning on using debit cards with Apple Pay? If you use credit cards then you can just get a card from a company which does offer it. No need to bother with moving your account.

 

[Zxxv]

What do you propose for trying to stop this happening then?
.

Do not comply. Dont buy products from manufacturers who build in backdoors, unless said company leaves it open for you to install something that shuts it. Thats a good course of action.

Speaking up and telling your MP to go **** himself is another but most don't have what it takes so you'll get brought down with them.

So... my advice,

smile and take it, enjoy your life.

 

[Jimmy James]

In other news tap to pay has been accepted for my credit card for years nearly everywhere I shop.

 

[Swiss-G]

In other news the American Express UK Pay site is live

From the FAQ

Which American Express Cards are eligible for Apple Pay?

• An eligible Card is an active UK American Express issued Personal or Small Business Credit or Charge Card
• Your current Card does not need to be contactless in order to use Apple Pay
• American Express Corporate Cards and Pre-paid Cards are not eligible
• See how to add your Card now

 

[576316]

If they think im wearing a bracelet (really?!), sticking something on my phone or adding an unnecessary keyfob to my keyring, then they need to seriously rethink. First world problems? Yep, definitely! But hopefully Barclays wont bring another third world solution to a market thats already moved on from "bPay stickers". I mean, come on. Bracelets? This is your last paycheck Barclays... First Direct, 7 day switch and £100 after 3 months is calling.

I decided to check out their wristband thing just to see what the deal was with it. I was utterly shocked that the asking price was £25 but I went ahead anyway. My God is this thing over priced... It was one of the most plastic Fisher Price wristbands I have ever seen. It comes with a little NFC chip the size and shape of a sim card which you slot into a hatch on the band. The clasp is so difficult to attach. When I already have my Apple Watch on the other wrist, I really can't see a point in having a whole band just for payments.

Literally the only time I could see it being useful is if I end up in a store which is blocking Apple Pay. Even then I guess I could just get my contactless debit card out. I must have some sort of 14 day return on this so I might see if I can take that up. Although I do recall making a bit of a mess of the packaging whilst trying to get it out, does that normally nullify a returns policy?

Edit: Barclays are offering all bPay customers a 28 day returns policy, they send you a free post label. Gonna send it back tomorrow.

 

[Azzin]

In other news the American Express UK Pay site is live

From the FAQ

Which American Express Cards are eligible for Apple Pay?

• An eligible Card is an active UK American Express issued Personal or Small Business Credit or Charge Card
• Your current Card does not need to be contactless in order to use Apple Pay
• American Express Corporate Cards and Pre-paid Cards are not eligible
• See how to add your Card now

Or not...

 

[Billberryjuice]

if I end up in a store which is blocking Apple Pay

if you do then the band (and the contactless aspect of your contactless card) will also be useless - as far as we're aware the contactless terminals can't discern the difference between Apple pay and any other c'less chip, with the exception of the latest hardware+firmware but that only serves to negate the £20 limit.

example: in the US the few stores that preemptively "blocked" AP when it was announced could only do so by disabling their c'less terminals entirely, immediately inconveniencing their customers with c'less payment cards - before AP had even been switched on!

 

[Swiss-G]

Or not...

The Amex UK website for Pay is live, not Pay itself.

 

[mariusignorello]

Get a job at Target? AFAIK those are the only people testing it right now.

I wouldn't sign up if they gave me $1000 free spending money during the beta.

 

[576316]

if you do then the band (and the contactless aspect of your contactless card) will also be useless - as far as we're aware the contactless terminals can't discern the difference between Apple pay and any other c'less chip, with the exception of the latest hardware+firmware but that only serves to negate the £20 limit.

example: in the US the few stores that preemptively "blocked" AP when it was announced could only do so by disabling their c'less terminals entirely, immediately inconveniencing their customers with c'less payment cards - before AP had even been switched on!

So why are Apple having to get retailers to opt-in to Apple Pay, if that's the case? This was my original understanding of how Apple Pay would work (anywhere where contactless payments was accepted) but then I heard this was something that retailers specifically had to accept and that some would be blocking it?

 

[pjh]

So why are Apple having to get retailers to opt-in to Apple Pay, if that's the case? This was my original understanding of how Apple Pay would work (anywhere where contactless payments was accepted) but then I heard this was something that retailers specifically had to accept and that some would be blocking it?

They don't need to, it's all marketing. Any retailer that has rolled out contactless terminals can take apple pay, but to highlight the service Apple have selected so called partners to help advertise the service. If they didn't it would just be another payment service amongst the crowd for most people. Remember, most people are not clued up on the security benefits and are sceptical about new payment systems. By highlighting big companies that have rolled out contactless to all their terminals Apple is hijacking the contactless roll-out success and associating it with Apple Pay. This will hopefully create some adoption impetus outside of natural (us lot) early adopters.

 

[voodoofish]

They don't need to, it's all marketing. Any retailer that has rolled out contactless terminals can take apple pay, but to highlight the service Apple have selected so called partners to help advertise the service. If they didn't it would just be another payment service amongst the crowd for most people. Remember, most people are not clued up on the security benefits and are sceptical about new payment systems. By highlighting big companies that have rolled out contactless to all their terminals Apple is hijacking the contactless roll-out success and associating it with Apple Pay. This will hopefully create some adoption impetus outside of natural (us lot) early adopters.

Apple Pay will work with all (or nearly all) contactless terminals. Retailers who specifically support Apple Pay can opt for a higher limit than the standard contactless limit (I believe it can be a higher limit or 'no limit' like a normal chip and pin card transaction). This is because Apple Pay supports extra verification (Touch ID or a pin that's entered when the Apple Watch is first put on your wrist) compared to regular contactless cards (or bPay). The reason expectations have been set that even retailers that specifically support Apple Pay will not have a higher limit (or no limit) at launch is because they'll need to roll out an update to their tills to do this, and likely won't have done so across all their stores and all their tills in time for launch.

 

[pjh]

Apple Pay will work with all (or nearly all) contactless terminals. Retailers who specifically support Apple Pay can opt for a higher limit than the standard contactless limit (I believe it can be a higher limit or 'no limit' like a normal chip and pin card transaction). This is because Apple Pay supports extra verification (Touch ID or a pin that's entered when the Apple Watch is first put on your wrist) compared to regular contactless cards (or bPay). The reason expectations have been set that even retailers that specifically support Apple Pay will not have a higher limit (or no limit) at launch is because they'll need to roll out an update to their tills to do this, and likely won't have done so across all their stores and all their tills in time for launch.

But even this isn't Apple Pay specific. It's just that Apple pay is the first service to support additional authentication that raises the limit.

 

[lofunex]

The Apple Rewards Barclaycard is a US card and not available in the UK. Irrelevant when it comes to Apple Pay in the UK...

 

[kdarling]

But even this isn't Apple Pay specific. It's just that Apple pay is the first service to support additional authentication that raises the limit.

Yep.

(To be clear, it uses a new flag option, indicating that the cardholder verification was done on the device, instead of needing to use the merchant terminal to enter a PIN or signature.

Non-updated terminals don't know about the new on-device flag, and thus still require the old terminal based methods.

It's not extra authentication, it's just an alternative method. )

 

[576316]

They don't need to, it's all marketing. Any retailer that has rolled out contactless terminals can take apple pay, but to highlight the service Apple have selected so called partners to help advertise the service. If they didn't it would just be another payment service amongst the crowd for most people. Remember, most people are not clued up on the security benefits and are sceptical about new payment systems. By highlighting big companies that have rolled out contactless to all their terminals Apple is hijacking the contactless roll-out success and associating it with Apple Pay. This will hopefully create some adoption impetus outside of natural (us lot) early adopters.

Oh wow, I didn't realise that. I was worried I'd been moaning at Barclays about Apple Pay when ultimately I might not even be able to use it everywhere I go (that has contactless). I kinda wish Apple had been clearer about this. Now I won't have to go through the awkward pause of asking a cashier of they support Apple Pay. Well, unless they're specifically blocking it.

 

[scottish]

Oh wow, I didn't realise that. I was worried I'd been moaning at Barclays about Apple Pay when ultimately I might not even be able to use it everywhere I go (that has contactless). I kinda wish Apple had been clearer about this. Now I won't have to go through the awkward pause of asking a cashier of they support Apple Pay. Well, unless they're specifically blocking it.

They've made it pretty clear on the "where to use Apple Pay" page:

"Use Apple Pay in these locations and everywhere else contactless is accepted."

 

[big-ted]

I'm still a little confused about why so many people are talking about changing banks because of Apple Pay.

Is it that everyone is planning on using debit cards with Apple Pay? If you use credit cards then you can just get a card from a company which does offer it. No need to bother with moving your account.

My credit cards and debit card are both from Barclays, I want everything moved from them if they are not supporting Apple Pay

 

[Azzin]

Yep.

(To be clear, it uses a new flag option, indicating that the cardholder verification was done on the device, instead of needing to use the merchant terminal to enter a PIN or signature.

Non-updated terminals don't know about the new on-device flag, and thus still require the old terminal based methods.

It's not extra authentication, it's just an alternative method. )

Not disputing you per se, but I thought banks had to agree as Apple are taking a cut somewhere?

 

[kdarling]

Not disputing you per se, but I thought banks had to agree as Apple are taking a cut somewhere?

The per-purchase fee, plus sharing of aggregate purchase info, is required by Apple if a bank wants its customers to be able to register their cards with Apple Pay.

However, that has nothing to do with whether or not a merchant terminal recognizes on-device cardholder verification as defined by Mastercard, Visa or AMEX. Those standards are not specific to any particular mobile payment device, and in fact wouldn't even know which one was being used.

So it could be used by Google Wallet, Samsung Pay, Apple Pay, or any other contactless device app that follows the specifications. Apple Pay is simply the first to use it. (The actual payment applets in the NFC chip that know about it are written by the various credit card schemes. They talk to the iDevice CPU to verify that a matching passcode or TouchID has been used.)

 

[Azzin]

The per-purchase fee, plus sharing of aggregate purchase info, is required by Apple if a bank wants its customers to be able to register their cards with Apple Pay.

However, that has nothing to do with whether or not a merchant terminal recognizes on-device cardholder verification as defined by Mastercard, Visa or AMEX. It is not specific to any particular mobile payment device, and in fact wouldn't even know which one was being used.

So it could be used by Google Wallet, Samsung Pay, Apple Pay, or any other contactless device app that follows the specifications. Apple Pay is simply the first to use it. (The actual payment applets in the NFC chip that know about it are written by the various credit card schemes. They talk to the iDevice CPU to verify that a matching passcode or TouchID has been used.)

Ok, but if Acme Computers accepted Contactless, they would 100% be able to take Apple Pay?

That would then presume that Acme's bank (lets say HSCB for example) was an Apple Pay partner yes?

So come the go live date, customers that bank with let's say Barclays, will not be able to use Apple Pay in any store, but someone who goes into Acme Computers to buy a £10 cable will be able to use Apple Pay, as Acme bank with HSBC?

 

[Swiss-G]

1. Ok, but if Acme Computers accepted Contactless, they would 100% be able to take Apple Pay?

2. That would then presume that Acme's bank (lets say HSCB for example) was an Apple Pay partner yes?

3a. So come the go live date, customers that bank with let's say Barclays, will not be able to use Apple Pay in any store,
3b. but someone who goes into Acme Computers to buy a £10 cable will be able to use Apple Pay, as Acme bank with HSBC?

1. Yes
2. No, if the end users bank/credit card company are an Pay partner then Pay will work with Acme's contactless system. The transaction value will be limited to £20 or £30 in September.
3a. Correct as Barclays don't currently support Pay.
3b See response to 2 above.