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I've used Apple Pay ever since First Direct supported it last Autumn. Absolutely love it.

I've found more and more retailers want to take your card in their possession and it was starting to irritate me - especially for contactless payments. Apple Pay forces the retailer to pass me the machine, not my card to them.

A few weeks ago I was in a pub and my Apple Pay was rejected. Anyway, long story short, they managed to get hold of my card after more 'rejections' and sent me away to my GF to get her card (stupidly leaving my card on the bar) which the barmaid picked up and tried to do another contactless payment without my authorisation and clearly took my cvv number. My card was cloned and they unsuccessfully (fortunately, as FD spotted it) attempted to pay for some random £1 purchases and then tried to book a holiday on my card.

Basically, if somewhere doesn't support Apple Pay, I'm extremely wary now.

I accept you were unfortunate the bar girl was dishonest but the above situation simply shows negligence and nativity on your side. You should NEVER have to allow a merchant to handle your card and you should never have left your card on the bar.

It's also the merchants discretion to accept or decline whatever payment methods they wish.
 
Hassle free if you have no long term commitments such as mortgages or you can find an account which matches what you have at Barclays. I have a "legacy" account which no longer exists with a very large interest free overdraft, breakdown cover, mobile phone cover, and numerous other advantages. No other bank offers anything like it right now so there isn't a chance I would switch and lose all that for Apple Pay.

We're not all students!

Additionally, I doubt Barclays would have lost many customers as a result of this. Only a very small number of people (such as a small minority on here), would actually about this and Barclays couldn't care less about you if you tried.

That and probably 90% of Barclays revenue arrives through commercial banking so the fact that they probably lost 0.005% of their customers as a result of not having Apple Pay is....well meaningless.

It's very amusing how some people feel that without Apple, the world would almost fall apart! I've had Apple Pay for three months now (since I got my 6S), and I've only ever used it once....most of my friends with iPhones say exactly the same!

I'm in a bit of agreement here I wouldn't change my bank for Apple Pay, the chances are the bank will have contactless cards so I could just use that instead (iPhone to me is just the fun side of it, as my wallet is always with me). I'd just be patient and wait for them to release it with my bank.

Although I've had it since day one and I would use it whenever I could, but most of the UK PDA/PDQ hardware is so outdated its rare to come by. There are only a lot of stores I know that would use them, but I don't use them unfortunately
 
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Hassle free if you have no long term commitments such as mortgages or you can find an account which matches what you have at Barclays. I have a "legacy" account which no longer exists with a very large interest free overdraft, breakdown cover, mobile phone cover, and numerous other advantages. No other bank offers anything like it right now so there isn't a chance I would switch and lose all that for Apple Pay.

We're not all students!

Additionally, I doubt Barclays would have lost many customers as a result of this. Only a very small number of people (such as a small minority on here), would actually about this and Barclays couldn't care less about you if you tried.

That and probably 90% of Barclays revenue arrives through commercial banking so the fact that they probably lost 0.005% of their customers as a result of not having Apple Pay is....well meaningless.

It's very amusing how some people feel that without Apple, the world would almost fall apart! I've had Apple Pay for three months now (since I got my 6S), and I've only ever used it once....most of my friends with iPhones say exactly the same!
Believe me I’m not a student. I moved to Santander because they pay 3% on balances up to £20k. That alone beats mobile phone cover etc which I get from other financial institutes for free anyway.
 
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Believe me I’m not a student. I moved to Santander because they pay 3% on balances up to £20k. That alone beats mobile phone cover etc which I get from other financial institutes for free anyway.

You get similar rates with Barclays e-savings accounts....the point I was trying to make was if you have no long term commitments switch away. But those with mortgages, long term loans, and legacy account, (not to mention business accounts, investment funds, etc), couldn't give one iota when it comes to Apple Pay.

Yes, it's a "nice to have", but lets face it. It's a bit of a gimmick and nothing more. There's no real advantage over using a plastic card.
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I wonder if this will include Barlcaycard. I also wish they'd add Touch ID support to their app. Natwest's has had it for ages.

Now THIS is useful! Touch ID is a fantastic product from Apple.

I love it! Works all the time and (sometime a bit jittery with damp hands after exercising), but it saves having to type in long passwords and pass codes all the time.
 
Hassle free if you have no long term commitments such as mortgages or you can find an account which matches what you have at Barclays. I have a "legacy" account which no longer exists with a very large interest free overdraft, breakdown cover, mobile phone cover, and numerous other advantages. No other bank offers anything like it right now so there isn't a chance I would switch and lose all that for Apple Pay.

We're not all students!

Additionally, I doubt Barclays would have lost many customers as a result of this. Only a very small number of people (such as a small minority on here), would actually care about this and Barclays couldn't care less about you if you tried.

That and probably 90% of Barclays revenue arrives through commercial banking so the fact that they probably lost 0.005% of their customers as a result of not having Apple Pay is....well meaningless.

It's very amusing how some people feel that without Apple, the world would almost fall apart! I've had Apple Pay for three months now (since I got my 6S), and I've only ever used it once....most of my friends with iPhones say exactly the same!

I dont know what legacy account you're talking about. All of the things you listed above i got with halifax when i signed up about 3 years ago
 
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I assume you mean “arsed” not asked.

I guess you’ve not heard of the new 7 day switch system?

I’ve just switched to Santander from Nationwide (not for Apple Pay reasons). 5 minutes to fill in an online form and that’s it. 7 days later your account, all direct debits, standing orders, contacts, cards….every swaps to your new bank. In fact took me 5 days.

Pretty hassle free if you ask me.

Was it really that easy? I almost switched from Yorkshire Bank to Santander but I have all my house related DD to change over..
 
You get similar rates with Barclays e-savings accounts....the point I was trying to make was if you have no long term commitments switch away. But those with mortgages, long term loans, and legacy account, (not to mention business accounts, investment funds, etc), couldn't give one iota when it comes to Apple Pay.

Yes, it's a "nice to have", but lets face it. It's a bit of a gimmick and nothing more. There's no real advantage over using a plastic card.
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Now THIS is useful! Touch ID is a fantastic product from Apple.

I love it! Works all the time and (sometime a bit jittery with damp hands after exercising), but it saves having to type in long passwords and pass codes all the time.

BIB: you say that but I don't feel it's a gimmick whatsoever. It's a great feature to have; the store (and ultimately fraudsters) don't get to see my physical card details if the data ended up being compromised.

With a bit of plastic it can happen (as posted above) and whilst you aren't liable for fraudulent transactions Apple Pay helps to reduce card theft (IMHO).

However Touch ID is part of Santander's Spendlytics app now and it's great... Just a shame they don't use it for their mobile banking app just yet.
 
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Many European banks are already introducing HCE payments, which work exactly like Apple Pay (at least from the end user's PoV), so it seems that ship has sailed for Apple. Now they have to compete with banks directly. Ironically, HCE payments can't be used on iPhones because of inaccessible NFC chip.

So, we can't use local mobile payment systems because of competing Apple Pay... that we can't use either :rolleyes:

HCE is nothing like being the same as Apple Pay. It a much less sophisticated and cheaper method of taking payments which does not use a local secure element and does not use tokenisation. It is essentially a cloud based secure element and is potentially open to a whole range of attacks which Apple Pay is not vulnerable to.

Have a read here: https://www.docdroid.net/wdrb/hce-vs-applepay-security-analysis.pdf.html
 
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Yay! Another bank supports Apple Pay.

That is like another US Mint producing $1 coins that no one will actually use.



Mike
 
When will banks support Apple Pay on my business account?

It's really handy for travelling and expenses...

Not sure why they treat it differently?! Anyone know?

It must be a decision by the individual bank.

In the US, my bank supports Apple Pay on both personal and business accounts. I don't use my business credit card very often, but the places where I use it support NFC payments. So, I don't have to carry the card with me.

Also in the US, American Express didn't support Apple Pay on "corporate" cards when it was first announced -- but finally added them sometime last year.
 
There's no real advantage over using a plastic card.

I'd say there are many advantages of not using your plastic card for contactless payment, as quoted below

BIB: you say that but I don't feel it's a gimmick whatsoever. It's a great feature to have; the store (and ultimately fraudsters) don't get to see my physical card details if the data ended up being compromised.

Was it really that easy? I almost switched from Yorkshire Bank to Santander but I have all my house related DD to change over..

Agreed it really is quite easy! I've done it twice now and it's so simple.

I'd suggest if they ask if you want to move other your payment contacts I/e if you have paid a friend and there details are on your online account, I'd say no the first time I did this it combined mine and my partners and added it all onto our joint account, was annoying.
 
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Finally, I have been trying to use contactless with Barclays for ages, they refuse to give me a contactless card until mine expires (in 3 years!) and constantly push the pointless bPay key rings and bracelet as a solution. No thanks.

Resorted to opening a Halifax account to take advantages of Apple Pay.

That's strange. My previous Barclaycard which became valid in 2012 already had contactless payment. So you really have a card released in 2016 or late 2015 without contactless payment? I'd complain. And then I would unfortunately lose or break my existing card and ask them to replace it.

Additionally, I doubt Barclays would have lost many customers as a result of this. Only a very small number of people (such as a small minority on here), would actually care about this and Barclays couldn't care less about you if you tried.

The truth is that in and around London terminals showing "Apple Pay" are popping up everywhere, but I just use that as an indication that my Barclays contactless card will be working fine.
 
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HCE is nothing like being the same as Apple Pay. It a much less sophisticated and cheaper method of taking payments which does not use a local secure element and does not use tokenisation. It is essentially a cloud based secure element and is potentially open to a whole range of attacks which Apple Pay is not vulnerable to.

Have a read here: https://www.docdroid.net/wdrb/hce-vs-applepay-security-analysis.pdf.html
The end result is still that Android users and others will happily use HCE payments, while iPhone users can do nothing but wait for the illustrious Apple Pay that may never arrive in their country.
 
Yay! Another bank supports Apple Pay.

That is like another US Mint producing $1 coins that no one will actually use.



Mike
Maybe it's not a big deal to you but Barclays is the biggest bank here in the UK, it has over 40m accounts and the population of the UK is only about 65m.
To put that into perspective, it has more accounts in the UK then the population of Canada.
 
The end result is still that Android users and others will happily use HCE payments, while iPhone users can do nothing but wait for the illustrious Apple Pay that may never arrive in their country.
I guess that's why Google Wallet has been such a resounding success - lol

Between myself, my wife and my kids I would say we conduct well over 50% of our electronic transactions via Apple Pay now. Mostly using the Apple Watch because it is so convenient and so far very reliable. It uses tokenisation so it's private and secure and I can use it pretty much anywhere that contactless is used. Android users typically don't care so much about privacy or security so I guess they'll use whatever is available, or not use it as was the case with Wallet.
 
I dont know what legacy account you're talking about. All of the things you listed above i got with halifax when i signed up about 3 years ago

I'm not going to go about throwing my financial status or the details of my bank account on a public forum but suffice to say I have a very generous package from Barclays and believe me, no bank can beat it right now.

That and I don't care to waste my time shopping around for something that will if anything, be equalled giving me no advantage whatsoever.
 
BIB: you say that but I don't feel it's a gimmick whatsoever. It's a great feature to have; the store (and ultimately fraudsters) don't get to see my physical card details if the data ended up being compromised.

With a bit of plastic it can happen (as posted above) and whilst you aren't liable for fraudulent transactions Apple Pay helps to reduce card theft (IMHO).

I definitely see your point however all contactless transactions are protected against fraud and for anything else you need a PIN.

If I need to use my card, I insist on a merchant handing me the terminal or having it in such a way that I insert and remove the card myself.

I too have been a victim of card fraud (more than £2,500 taken from my account), which luckily was reimbursed the the thieves prosecuted - but only because I pushed for it).

However back to Apple Pay, I think the system is still gimmicky. Simply tapping a card that I securely keep to myself at all times I find is much more convenient than pulling out my £700 phone all over the place.
 
Hassle free if you have no long term commitments such as mortgages or you can find an account which matches what you have at Barclays. I have a "legacy" account which no longer exists with a very large interest free overdraft, breakdown cover, mobile phone cover, and numerous other advantages. No other bank offers anything like it right now so there isn't a chance I would switch and lose all that for Apple Pay.

We're not all students!

Additionally, I doubt Barclays would have lost many customers as a result of this. Only a very small number of people (such as a small minority on here), would actually care about this and Barclays couldn't care less about you if you tried.

That and probably 90% of Barclays revenue arrives through commercial banking so the fact that they probably lost 0.005% of their customers as a result of not having Apple Pay is....well meaningless.

It's very amusing how some people feel that without Apple, the world would almost fall apart! I've had Apple Pay for three months now (since I got my 6S), and I've only ever used it once....most of my friends with iPhones say exactly the same!

I use it everyday to pay for my lunch, normally my fuel, if I go to the shops I will use it too, just a shame most places won't let you use it for over £30. It's the same amongst my friends, do you live actually live in Spain? I'm of the understanding contactless isn't exactly popular there like it is in the UK.

I was lucky enough to get a contactless card shoved down my throat without asking by natwest years ago though so I suppose I was used to using it long before Apple Pay came about. Barclays are a shambles when it has come to rolling this out and I'd image they've lost custom, I'd have left them by now.
 
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Notify Barclays that you're going abroad. Use card abroad. Card blocked. Call Barclays at large expense. Use card abroad. Card blocked. Call Barclays at large expense. Rinse et repeat.

Yours,

A former Barclays card holder
 
How many £millions have they wasted on these?
bpay1.png
 
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I use it everyday to pay for my lunch, normally my fuel, if I go to the shops I will use it too, just a shame most places won't let you use it for over £30. It's the same amongst my friends, do you live actually live in Spain? I'm of the understanding contactless isn't exactly popular there like it is in the UK.

I was lucky enough to get a contactless card shoved down my throat without asking by natwest years ago though so I suppose I was used to using it long before Apple Pay came about. Barclays are a shambles when it has come to rolling this out and I'd image they've lost custom, I'd have left them by now.

I do indeed live in Spain and I agree with you regarding contactless but it is becoming more accepted in the past year. The supermarkets have now removed the PIN requirement up to €30 so that helps.

However on your last point, I don't think anyone really cares enough about Apple Pay to switch bank accounts. I highly doubt they've lost much if anything as a result of the delay in rolling it out.
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How many £millions have they wasted on these?
View attachment 612610

Seeing as it was a trial, not very much I would presume.

Either way, it's all about competition. If we blindly accept anything Apple gives us, it's not exactly healthy for consumers!

At the end of the day, many companies trial products and many fail. This was one of them and hardly a drop in the ocean for a bank like Barclays.
 
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