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

big-ted said:
My credit cards and debit card are both from Barclays, I want everything moved from them if they are not supporting Apple Pay
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I assume from your answer that this is a decision based on a dissatisfaction with Barclays for their decision whether to support Apple Pay. Obviously, that is an individual decision for people to make. It is interesting, as I'm interested in people's motives for thinking about moving. Is it for practical or theoretical reasons.

i.e.

If you want to be able to access Apple Pay then you can just get a credit card that uses it.

If the fact that your bank doesn't support Apple Pay is a problem to you then you had probably better move.

I take it that you fit into the second category. I've asked the question about four times now, and you are the first to reply. I am legitimately interested in the answer. Personally, if I was that bothered I would just get a credit card that supported Apple Pay.
 
Azzin said:
...snip...
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Hi. What Swiss-G said is correct. The merchant's bank is irrelevant. All that is needed is that YOUR Credit Card's issuing bank has made a deal with Apple and has the ability to detokenize the DAN (Device Account Number) into your PAN (Primary Account Number) which is the one on your real card.

Here, I've made a crude drawing. The red parts must match. You register your card number (PAN) into Apple Pay, and Apple contacts your card's Issuer Processor service to provision a matching token (DAN) into your device to use for payments. (left side of chart)

token-flow.png


Thereafter, when you tap to pay, your device sends the DAN token and the OD-CVM (On Device Cardholder Verification Method) flag via NFC comms to the Merchant's Terminal.

If the terminal is updated, it can recognize the OD-CVM flag and bypass the usual contactless PIN / signature limits. Note that this standardized flag can be used by any payment method, not just Apple Pay. If the terminal is not updated, then the limits still apply.

If under (or no) PIN limit, the Merchant Terminal dumbly sends the DAN (it doesn't know it's a token because it looks just like a real account number) upstream via the Merchant's Acquirer service, through the Credit Card Brand (Master /Visa /Amex) to the Issuer Bank's Processor, where it is translated into the real number (PAN) for card Issuer Bank approval. (Alternatively, this translation can be done at the branding level.)

The approval then runs the reverse course back down to the merchant terminal and your device.

At the end of each day, the Merchant Acquirer service totals up sales - refunds, and requests each card Issuer Bank to deposit that much money (minus the Acquirer's and Brand's fees) into the Merchant's Bank, which can be any bank. The Credit Card Brand (Master /Visa /Amex) is responsible for sending a cut of the fees that normally go to the bank, to Apple.
 
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KeithJenner said:
I assume from your answer that this is a decision based on a dissatisfaction with Barclays for their decision whether to support Apple Pay. Obviously, that is an individual decision for people to make. It is interesting, as I'm interested in people's motives for thinking about moving. Is it for practical or theoretical reasons.

i.e.

If you want to be able to access Apple Pay then you can just get a credit card that uses it.

If the fact that your bank doesn't support Apple Pay is a problem to you then you had probably better move.

I take it that you fit into the second category. I've asked the question about four times now, and you are the first to reply. I am legitimately interested in the answer. Personally, if I was that bothered I would just get a credit card that supported Apple Pay.
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Some of us don't want to own a credit card. It's not really a fix. Consumers should be able to expect their bank to offer a range of options in terms of payments. I don't want any option blocked to me just because my specific bank has some sort of issue with another company's service. As a consumer, I should have the choice of that service regardless of my bank. My issue is with Barclays blocking Apple Pay and ultimately denying their customers that consumer choice. Although it does sound like they've gone back on that decision and will be supporting Apple Pay. When? Well that's something only Barclays know right now but it would be nice to get some sort of official word tomorrow.
 
JarScott said:
I don't want any option blocked to me just because my specific bank has some sort of issue with another company's service...... My issue is with Barclays blocking Apple Pay
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You make it sound like implementing Apple Pay is free and easy for Barclays and they simply chose not to do it just to spite Apple.

To implement Apple Pay including the technology, support, paying Apple their cut of the transaction in an already tight margin business etc etc costs money - it is not simply a case of some bank executive choosing whether to flick a switch or not because they "have an issue with Apple" or want to "block consumer choice"

- they along with all the other banks that Apple will have approached made a business decision - cost vs benefit. I won't dwell on whether they have made the right decision or not as that's not the point I'm making in this post.
 
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damn didn't realise it was so late, may aswell stay up another 26 minutes and then goto macdonalds... kidding... I think haha
 
Really hoping it works by lunchtime tomorrow so I can use it at work and confuse the staff in the restaurant.

Otherwise I'll have to wait until another day to confuse them.
 
RBS Group cards working with region trick. Just added my Royal Bank of Scotland debit. Really simple process!
 
scottish said:
RBS Group cards working with region trick. Just added my Royal Bank of Scotland debit. Really simple process!
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The settings for U.K. Have appeared but my RBS visa debit still won't add. Not supported apparently.
 
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Rlong405 said:
You make it sound like implementing Apple Pay is free and easy for Barclays and they simply chose not to do it just to spite Apple.

To implement Apple Pay including the technology, support, paying Apple their cut of the transaction in an already tight margin business etc etc costs money - it is not simply a case of some bank executive choosing whether to flick a switch or not because they "have an issue with Apple" or want to "block consumer choice"

- they along with all the other banks that Apple will have approached made a business decision - cost vs benefit. I won't dwell on whether they have made the right decision or not as that's not the point I'm making in this post.
Click to expand...

Barlcay's already support Apple Pay in the US you can be sure supporting it in the UK will be a lot cheaper than their stupid bPay system they are trying to get people to adopt.
 
Rlong405 said:
You make it sound like implementing Apple Pay is free and easy for Barclays and they simply chose not to do it just to spite Apple.

To implement Apple Pay including the technology, support, paying Apple their cut of the transaction in an already tight margin business etc etc costs money - it is not simply a case of some bank executive choosing whether to flick a switch or not because they "have an issue with Apple" or want to "block consumer choice"

- they along with all the other banks that Apple will have approached made a business decision - cost vs benefit. I won't dwell on whether they have made the right decision or not as that's not the point I'm making in this post.
Click to expand...

In the case of Barclays, they may just be pushing their own system and hoping to sway their own Apple using customers their own way. They SELL plastic bands (£20 or £25 not sure), keyfobs and stickers. The fob is a plastic bracelet just for spending through Barclays. The idea people would use this tat instead of the watch is complete fantasy, there is nothing to commend their system over the watch. Further, the band won't support anything beyond £20 (soon to be £30) limit like the iPhone will by confirming the users ID. This requires newer POS terminals, but they are here or coming.

They can try their system and hope there's enough non-Apple users to make it useful. I expect there are. They can hope Apple will fail and then they can compete against other similar systems from other banks. But to deny Apple users the use of Apple Pay is utter stupidity and arrogance.
 
zooby said:
Apple Pay isn't the end all be all or a must-have feature.
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Maybe not but why shouldn't someone change banks in order to pay a way that is more convienant to them? Banks are there to manage our money and payments, we all pay for this service one way or another.
If Apple pay is a convienant way for someone to pay them why not?
It was only 6 years or so ago that I left my previous bank because they couldn't offer me a chip and pin card. If I can't pay a way that is convienant to me then a bank isn't fit for my purposes. I don't think those who are willing to change banks for these reasons are foolish. In fact we should all be encouraged to change banks if another with better services and facilities come along. It's because people haven't been doing this which has lead to blinded loyalty to banks which has made them pretty much untouchable.
 
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