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Barclays Confirms Apple Pay Support in Future, First Direct and HSBC Delayed Until Later This Month
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Well if I was producing content for real I would turn auto (spelling) correct off 😉 and proof read properly, then pass it to my editor to proof read.
0007776
Suspended
I'm guessing it's because the banks haven't had as much of a need to move to something more secure in those markets as they already use NFC and chip and pin, so Apple doesn't have as much leverage to get as much money as they'd like.
Lots of people crying, I mean really - just use your chip and pin card.
I tried to authorise a HSBC card to Apple pay outside Tesco's just now before lunch, it didn't work (I hadn't seen the news) so I used my chip and pin card as I do every other day. This had literally zero effect on my life. I'll get over waiting a couple of weeks before it's working...
I tried to authorise a HSBC card to Apple pay outside Tesco's just now before lunch, it didn't work (I hadn't seen the news) so I used my chip and pin card as I do every other day. This had literally zero effect on my life. I'll get over waiting a couple of weeks before it's working...
It's not really a full list. There's many more places that have contactless terminals that will also accept apple pay.
It's not even a list of launch partners, because launch partners should mean they don't have the contactless limit. Not that they've just agreed to display a sticker and tweet about it.
Nothing makes BP more of a launch partner (they're listed), than WH Smiths that seem to have contactless in every one I've been in (not listed as a launch partner).
The last BP I went in, I couldn't use contactless, because it was over £20.
I've always been able to use contactless in WH Smiths.
Yes, there are significant changes to the bank's back-end infrastructure:
- When you add the card to your Passbook, a random device account number (the "token") is generated and sent to the bank. The bank confirms the account is valid and saves the token for future authorizations.
- When you purchase something, the authorization sent to the bank's backend contains the token, not the original account number. They have to map the token to your account before authorizing the charge.
- There are other fields in the transmitted data that validate its integrity, and confirm it isn't a duplicate. The backend system has to evaluate this data before authorizing the charge.
- When the merchant actually submits the transaction for payment, the token again must be mapped to your actual account.
hybroid
macrumors regular
Not at all. Will work everywhere in UK with contactless straight away. We have a unified contactless system.
kdarling
Contributor
Yes, already having secure contactless payments with relatively little fraud, meant there was less incentive.
Plus, EU card fee limits meant that there was no way that Apple could ask for even close to the same amount they got in the US.
British banks also balked at the amount of information that Apple wanted about purchases. (Apple brags about not having access to purchase info at the time of purchase. They don't have to. They force the banks to send that data back in aggregate form. Banks were not happy about giving Apple so much info.)
Frankly, I think Brits should be proud that their banks at least tried to resist Apple's demands, unlike the US banks who were easily manipulated.
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its one small step so I doubt banks really cared, anything you see is just smoke and mirrors. Next step is finger print readers built into cash points and hand held terminals with NFC chip implanted under your skin in your hand. Its just a step towards what they will sell as greater convenience. Those that are "awake" will say one step closer to enslavement.
* some say awake, other say conspiracy theorist.
iPlodder
macrumors member
As a First Direct customer I was excited to see them listed at WWDC as a "Launch Partner" and disappointed today to find out they won't support ApplePay until 'later in the month' (or 'by the end of the month' depending on where you read it) whenever that means.
As First Direct are a subsidudary of HSBC I suspect they're piggy-backing their roll out on the HSBC implementation, so I'd blame HSBC rather then First Direct for the delay.
It's not a good sign when a company with the resources and finances of HSBC can't manage to implement a project on time like this, it doesn't really give you great deal of confidence in the company looking after my money.
I shall be looking at switching banks tonight.
As First Direct are a subsidudary of HSBC I suspect they're piggy-backing their roll out on the HSBC implementation, so I'd blame HSBC rather then First Direct for the delay.
It's not a good sign when a company with the resources and finances of HSBC can't manage to implement a project on time like this, it doesn't really give you great deal of confidence in the company looking after my money.
I shall be looking at switching banks tonight.
tirk
macrumors 6502
10-15 basis points is 0.10-0.15 per 100, compared to 1.00-1.50 per 100 collected by the bank from every transaction. The additional transaction security SHOULD reduce fraud by at least that much, but as you pointed out (and I didn't quote), some US banks hurried the implementation of "add my credit card to the Passbook", leaving it open to fraud.
My bank implemented a verification process that required download of an application, and logging in to my online banking. Another required a phone call to customer support. I remember a few people complaining about that extra step during the
Pay rollout in the US, but in retrospect it was obviously a good idea.It's more our loser banks thinking "Not invented here" and want to roll out their own stupid crap.
I think you are underestimating the scope of this project, and especially the amount of effort that goes into the auditing of the changes to be sure they don't introduce a new vector for fraud.
I've worked for financial companies (banks, brokerages, etc.). Changes like this are NEVER made quickly. If they are delaying something like this at the last minute, it's for a good reason.
SoyCapitanSoyCapitan
Suspended
HSBC just got slapped for hiding accounts so people could evade taxes and for laundering money from drug cartels. My HSBC credit card account was transferred to another credit card company a couple of years ago because of those problems. I am surprised that people still have accounts / credit cards with HSBC.
Got a source/link for that? I hadn't heard about that, so want to have a bit of a read up.
iPlodder
macrumors member
I've worked at large financial companies as well, so I'm well aware of the auditing requirements, and slow pace of change.
ApplePay has had a proven track record in the US so far, and the NFC readers have been in place at stores for a couple of years now, unlike the roll out in the states, something that would have been examined as part of the auditing process, so I don't see "red tape" holding up HSBC support.
Where-as I see the Barclays delay as a business descision, one they look to be back tracking on now that ApplePay is hitting the high-street and they are getting called out for not being part of it, the delay from HSBC smells of a botched implementation forcing a delay to me.