What exactly is the rush here? I can understand it's going to be useful (especially on the tube), but you'll still have to carry your card around for purchases over £20 (£30 in September).
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Barclays Confirms Apple Pay Support in Future, First Direct and HSBC Delayed Until Later This Month
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What exactly is the rush here? I can understand it's going to be useful (especially on the tube), but you'll still have to carry your card around for purchases over £20 (£30 in September).
As someone else has mentioned,
Pay has had some issues in the US, because some banks are not properly verifying the addition of a card to Passbook. For them, the fraud rates have reportedly been HIGHER than a traditional card.http://www.nytimes.com/2015/03/17/business/banks-find-fraud-abounds-in-apple-pay.html
But, the NFC readers are only a part of the infrastructure requirement. We had them in the US, as well -- they just weren't widely deployed. The real issue is the bank's back-end changes required to support the EMV tokenization standard used by
Pay.
I bet Barclay's can't wait to start sending emails to their card holders threatening to cancel their account (and then actually doing so) because they aren't using Apple Pay often enough.
There's no rush in getting access to ApplePay, I'm more looking at changing banks now as I don't like being let down by a company who's looking after my money.
I can understand why Barclays are holding back - they have their own competing technology that they wanted to get behind. They are now realising that there is the real prospect that customers would leave the bank if they don't support it. As a result there is extra work for them to do to support it.
As for HSBC / First Direct - They have obviously screwed up something in their backend preventing them from supporting it when they were hoping to. Its obvious by the fact that they them selves tweeted about the launch coming soon and only last night getting the launch material changed to "coming soon". I am sure they are busy working to try and get it working.
I'm not that bothered in the short term as I won't be using it much until they remove the £20/£30 limit from it. For now I will just continue to use my bank card with contactless.
As for HSBC / First Direct - They have obviously screwed up something in their backend preventing them from supporting it when they were hoping to. Its obvious by the fact that they them selves tweeted about the launch coming soon and only last night getting the launch material changed to "coming soon". I am sure they are busy working to try and get it working.
I'm not that bothered in the short term as I won't be using it much until they remove the £20/£30 limit from it. For now I will just continue to use my bank card with contactless.
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You would change banks because they don't support apple pay for a couple of weeks?
I dont know who to recommend for that sort of reason...
As someone else has mentioned,
http://www.nytimes.com/2015/03/17/business/banks-find-fraud-abounds-in-apple-pay.html
From the reports I've heard or, and being not being in the States this may be incomplete, the fraud has mainly been down to people social enginerring the call centres to manually activate cards on ApplePay, rather than at the transaction or iPhone activation level.
But, the NFC readers are only a part of the infrastructure requirement. We had them in the US, as well -- they just weren't widely deployed. The real issue is the bank's back-end changes required to support the EMV tokenization standard used by
The UK (European) Chip-and-Pin system has supported the EMV standard before the roll out of NFC cards. https://en.wikipedia.org/wiki/EMV
This is what I’m wondering. Maybe they want to ensure it works well and they can get it right before doing it? People congratulate Apple for doing this but vilify everybody else?
On the plus side, those of us with MBNA credit cards can use Apple Pay from today whereas at WWDC they were in the coming soon section. Now, how are we going to know when other's in the coming soon go live? Will Macrumors tell us about every single bank that goes live on a one by one basis or should be do random checks on a regular basis - daily, then weekly, then annually?!
Charges can be reversed from all NFC services. I'd be more worried about losing my house keys!
This. I'm with HSBC and while it's slightly annoying that they've dropped off the list - it's not that big of a deal. Certainly not a change my accounts deal (plus the fact it'll probably be active by the time you get cards from any new bank...).
Granted I've also got Nationwide cards that will work on ApplePay in the meantime, but the sad fact is that it's only really Co-op that I visit regularly who have contactless. The likes of Tesco seem to be dragging their feet around here, and the £20 limit is likely to get in the way for a while yet.
No, "Chip and PIN" is not tokenization. The EMV tokenization spec was first published in March, 2014:
https://www.emvco.com/specifications.aspx?id=263
Pay is the first implementation of this specification.
No, "Chip and PIN" is not tokenization. The EMV tokenization spec was first published in March, 2014:
https://www.emvco.com/specifications.aspx?id=263
Oh OK, I stand corrected.
Why not? It's quick and easy to switch nowadays (all done inside 7 days). Until recently the HSBC app was useless as it required a hardware dongle to authenticate while NatWest have had TouchID support for their mobile app since the beginning of the year. Some banks even pay you money to switch, so again why not?
The fact of the lack of communication from the Bank is one of the reasons I want to change. They were listed as a Launch Partner and clearly aren't even though they are trying to claim they are still in the first wave of banks supporting Apple Pay which I don't get how they can even think that.
Also their Banking App is terrible.
No big deal.
The truth is, there have been a lot of posters from Europe, Canada, Australia, etc. that didn't realize that
Pay is more than just NFC on top of Chip-and-PIN.Frankly, I hope that your rollout is less painful. I still have trouble using both
Pay OR an NFC-enabled card at places in the US where they should just work. I think that the terminals are either misconfigured, or the authorization network is mangling the transaction somehow.
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You could argue they want to look after your money by ensuring it works properly and is secure on their systems. It is launching on 28 July at HSBC.
It's much more likely they are just a bunch of incompetent muppets though. They are most likely trying to find out who has the Microsoft Access password for their banking backend.
Not the case at all Apple Pay has been out for 8 months now. Up until the last minute they were listed as a launch partner and then overnight they changed that. The 28th is just a rumor nothing official confirmed from HSBC