Thanks for the link
Thanks for the link
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 .
What do you propose for trying to stop this happening then?
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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.
In other news the American Express UKPay 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
if I end up in a store which is blocking Apple Pay
I wouldn't sign up if they gave me $1000 free spending money during the beta.Get a job at Target? AFAIK those are the only people testing it right now.
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?
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.
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.
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.
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.
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?
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.)
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?