Barclays Finally Supports Apple Pay in United Kingdom

[Zedcars]

That is a misuse of the word 'hacking'. It's 'spoofing' by using a copy of a fingerprint. Hacking would suggest manually overriding/extracting fingerprints from the secure enclave, which has not been reported and is likely impossible as the iPhone doesn't have access to it. So to answer your point, Touch I.D has not been hacked.

Thank you for the clarification.

 

[Broken Hope]

Not doubting you, but my SWMBO works in Tesco, Barclays did some back-end work on the CC machines a few weeks ago and turned on the contactless payments, (either by accident or design) Tesco were quick to issue staff instructions to turn it off again immediately.

Contactless has been working in Tesco in Nottingham for the past couple of months, at least in Metro and Express, not tried an Extra store yet.

 

[makr]

I refuse to use the fingerprint reader to unlock my phone. I believe Apple Pay needs this to work quickly? If it's going to ask me for my passcode instead then that's going to be too inconvenient.

It's your problem then, not Apple Pay's

 

[LV426]

Fingerprint readers are vulnerable and have been hacked. It also inconveniences me when I want to look at my notifications, and does not work flawlessly for me.

No security system is perfect. Absolutely none. But faking fingerprints is a major technical challenge that will play very little part in Apple Pay. To date, I'm not aware of any Apple Pay purchases made with a fake fingerprint. And if there are, the numbers are so low that they are insignificant in comparison to banking fraud in general.

For the end consumer, you're covered against this kind of fraud, should it happen. The convenience (and security in terms of the transaction) far outweigh the risk of fraudulent fingerprints working.

 

[Zedcars]

It's your problem then, not Apple Pay's

It's not really a problem for me. I'm happy using it without the fingerprint reader.

 

[LV426]

Kind of weird they have been so slow with Apple Pay.

Not really. They put a ton of money and effort into their propietary bPay system. That will ultimately be money that they poured down the drain.

 

[iGeek2014]

Contactless has been working in Tesco in Nottingham for the past couple of months, at least in Metro and Express, not tried an Extra store yet.

The Toton Extra store which I use frequently still has the old style terminals as opposed to the Ingenico kind you'll find at Express/Metro
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Not true. My debt card is not contactless and it added and works fine!

Sorry I wasn't clear in my original post; the cards I referred to would be linked to the Barclays Basic Account (no credit facilities such as Overdrafts).

 

[Dave245]

Much more secure! As your physical card details eg CV number are not stored anywhere on the phone it can't be compromised per se by the retailer (as an example) to then clone your card and use it fraudulently elsewhere.

As with ANY contactless transactions here in the UK periodically you will be asked to complete a Chip & PIN transaction to verify you are the card holder.

In terms of Tesco it seems they are rolling out NFC payments are smaller stores first. Might be different within the M25 but here in Derbyshire it's Metro/Express stores first.

I'm probably alone in this statement but I enjoy using Apple Pay. Did use contactless before it was announced but not as much as I have done with AP.

Sounds good, i might sign up and give it a try now that Barclays have joined. The only problem is with big purchases, for example I've read that it's limited to £30, when i go shopping on a day off from work with friends, i usually go to shops like HMV, Game, Apple Store and so on, being limited to £30 is annoying but i might give it a try for smaller purchases at Starbucks or Nandos for lunch.

 

[LV426]

The Toton Extra store which I use frequently still has the old style terminals as opposed to the Ingenico kind you'll find at Express/Metro

Wow. What a small world. I used to live 200 metres from the site of that store a few decades ago, opposite the shop on the corner of Hill View Road

 

[displaced]

Agreed.
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No, as I said before, it's mainly due to medical reasons. I have mentioned security fears too, but accept this might be misplaced.

If it helps, it does seem Apple Pay can be used without Touch ID. I just double-clicked the home button (from sleep) to bring up the Wallet, using a finger I hadn't registered. It gave me the option towards the lower part of the screen to 'Pay with Passcode'.

However, it's possible that TouchID may still need to be enabled elsewhere on the device for this to work -- I've not tested extensively. Still, thought it worth mentioning.

Personally, I like the idea of the vendor never receiving my card details. The only two cases of fraud I've experienced have been from maliciously-modified chip & pin terminals, or the merchant surreptitiously swiping my card with it briefly out of sight.

 

[peterh988]

Sounds good, i might sign up and give it a try now that Barclays have joined. The only problem is with big purchases, for example I've read that it's limited to £30, when i go shopping on a day off from work with friends, i usually go to shops like HMV, Game, Apple Store and so on, being limited to £30 is annoying but i might give it a try for smaller purchases at Starbucks or Nandos for lunch.

Some stores, and some you mentioned, are limitless, the Apple Store for one, that's a decision to be made via the retailer.

There's a list here, how accurate it is today, I don't know, but it'll give you a guide to work from.

http://contactless.life/retailers/

 

[Manatlt]

No security system is perfect. Absolutely none. But faking fingerprints is a major technical challenge that will play very little part in Apple Pay. To date, I'm not aware of any Apple Pay purchases made with a fake fingerprint. And if there are, the numbers are so low that they are insignificant in comparison to banking fraud in general.

For the end consumer, you're covered against this kind of fraud, should it happen. The convenience (and security in terms of the transaction) far outweigh the risk of fraudulent fingerprints working.

You forgotten the most important details in to why this should never be successful (and if it did, probably like 5 victims in the world):

1 - Suppose a thief stole your phone. He'll have to first successfully return to his house without any people/police following him.

2 - Had already spent $500 on a printer, making the previous owner's fake fingerprint (which WILL fail if any of the owner's fingerprints on the device are smudged)

3 - IF successfully made a fake copy of the victim's fingerprint, would have to go to a store that accepts contactless (can't use Apple Pay via apps because the victim's phone is locked)

4 - Thief attempts to try an transaction and hoping THAT:

• The victim didn't already go to icloud.com and deactivate Apple Pay from his/her stolen device.
• Or call his/her bank to tell them to deactivate Apple Pay from his/her stolen device.

It's a much much harder process then...stealing a contactless card. I can't imagine a thief going through all this effort.

 

[hppy29]

Apple Pay is great... However the £30 limit in MOST (before the fanboys attack) places makes it annoying I would use it everywhere if I could.

However I have been impressed with staff members knowing what it is in the UK recently. When it first was rolled out you were met with blank stares when you said you wanted to use Apple Pay they thought you were straight from Hogwarts with your magical phone.

I have to agree, for me its the key feature of my Apple Watch its the most used feature on my watch, Visa and MasterCard need to push those new terminals out and push retailers into accepting HVP (Purchases over £30)

Also wouldn't mind being able to send other users payment too ;-)

 

[Dave245]

Some stores, and some you mentioned, are limitless, the Apple Store for one, that's a decision to be made via the retailer.

There's a list here, how accurate it is today, I don't know, but it'll give you a guide to work from.

http://contactless.life/retailers/

That's a helpful link thank you to start with i will just test it for a small purchase. Does Apple Pay work with Apple's own App? for example when the iPhone 7 releases will i be able to pre-order/buy one using the Apple Pay in app that they advertise?

 

[1Zach1]

It's way easier for me to just use contactless pay than Apple Pay on my phone. All I need to do is hold the card over the reader and boom! Done

So dumb American question as I've never used a contactless card, wouldn't it be simple for someone to just walk around with an NFC reader and pick up card numbers randomly to be used later? Maybe card security is a bigger deal here since you pretty much can't buy anything these days without a credit check and it's pretty simple to have someone destroy your credit score by just stealing a card number, don't know if that's how it works in the UK?

 

[RichTF]

I hope the banks can also take notice of the improved security and get rid of the £30 limit for payments made using ApplePay.

They already do! Unfortunately most of the UK NFC terminals are hard-wired with the £30 limit, but once they're updated with real ApplePay support they should allow any value transaction.

Having said that, the other day I tried spending over £30 at Boots, which does have the ApplePay logo on their NFC readers. Unfortunately their POC system has software that disables the "contactless" button when the total is over £30, so the cashier couldn't actually enable it.

 

[iGeek2014]

That's a helpful link thank you to start with i will just test it for a small purchase. Does Apple Pay work with Apple's own App? for example when the iPhone 7 releases will i be able to pre-order/buy one using the Apple Pay in app that they advertise?

It certainly does, yes!

I pre-ordered my iPad Pro 9.7" last Monday using Apple Pay via the Apple app.

Have also used Apple Pay in Regents Street to purchase my Apple Watch and at the Arndale Centre to purchase my Product (Red) Watch strap.

 

[Manatlt]

Apple Pay UK page updated with Barclays.

http://www.apple.com/uk/apple-pay/

 

[iGeek2014]

They already do! Unfortunately most of the UK NFC terminals are hard-wired with the £30 limit, but once they're updated with real ApplePay support they should allow any value transaction.

Having said that, the other day I tried spending over £30 at Boots, which does have the ApplePay logo on their NFC readers. Unfortunately their POC system has software that disables the "contactless" button when the total is over £30, so the cashier couldn't actually enable it.

Boots were rumoured to remove the £30 limit last November but it appears that never happened then.
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So dumb American question as I've never used a contactless card, wouldn't it be simple for someone to just walk around with an NFC reader and pick up card numbers randomly to be used later? Maybe card security is a bigger deal here since you pretty much can't buy anything these days without a credit check and it's pretty simple to have someone destroy your credit score by just stealing a card number, don't know if that's how it works in the UK?

I've heard various people talking about contactless card details being stolen with one of these NFC readers.

Don't know how true it is; I'm pretty sure Which? ran an article on it sometime in 2015.

However you can do simple things such as wrapping the card(s) in tin foil or buying a shielded wallet.

In terms of having your credit report being trashed by fraudulent applications it is possible here in the UK.

 

[RichTF]

So dumb American question as I've never used a contactless card, wouldn't it be simple for someone to just walk around with an NFC reader and pick up card numbers randomly to be used later? Maybe card security is a bigger deal here since you pretty much can't buy anything these days without a credit check and it's pretty simple to have someone destroy your credit score by just stealing a card number, don't know if that's how it works in the UK?

It's certainly technically possible, but the NFC range of those cards is very short, so it would be hard to do efficiently in practice.

The banks assume liability for fraud on NFC transactions though (with certain common-sense caveats), and it wouldn't affect your credit score.

 

[SMIDG3T]

Wow, about time. I was never going to leave them but for a "major" bank, they've taken their time. Their "bPay" system was never going to take off. All setup now.

 

[peterh988]

So dumb American question as I've never used a contactless card, wouldn't it be simple for someone to just walk around with an NFC reader and pick up card numbers randomly to be used later?

In theory. In practice, it seems you need to hold the card within half an inch of the reader for a second or two for it to work. How much a wallet and a pocket would affect the range I don't know.

 

[digger10]

Haven't been following Apple Pay these last few months because I bank with Barclays.
Am I correct in thinking I can use it anywhere where I could use contactless under £30 and everywhere with an Apple Pay sign over £30?

 

[Piggie]

I have four questions:

1: What is the maximum amount you can pay using Apple pay? A £150 (200 dollar grocery bill perhaps?)

2: Can Apple pay be used in a person to person context, I buy a table from you and use Apple pay to pay you $50 for it.

3: What is the smallest amount that can be paid for via Apple pay? (a 5 cent stick of gum)

4: Are there any charges on a person to person transfer? (if it is possible in the 1st place)

 

[nicho]

Haven't been following Apple Pay these last few months because I bank with Barclays.
Am I correct in thinking I can use it anywhere where I could use contactless under £30 and everywhere with an Apple Pay sign over £30?

No. Not everywhere with an Apple Pay logo allows transactions over £30.
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I have four questions:

1: What is the maximum amount you can pay using Apple pay? A £150 (200 dollar grocery bill perhaps?)

2: Can Apple pay be used in a person to person context, I buy a table from you and use Apple pay to pay you $50 for it.

3: What is the smallest amount that can be paid for via Apple pay? (a 5 cent stick of gum)

4: Are there any charges on a person to person transfer? (if it is possible in the 1st place)

1. Unlimited in places with proper "Apple Pay", £30 anywhere else contactless is accepted. In the UK that is.

2. No.

3. No minimum limit I'm aware of, but things aren't really that cheap in the first place

4. Not applicable because the answer to 2 is no.