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Barclays Finally Supports Apple Pay in United Kingdom
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I've been out of the country since August and at that time I think only Apple had limitless payments enabled.
"Try it" is my only advice. Or there was a link posted a page back.
Much much more secure.
Apple Pay arranges with bank to issue a unique alias number, one each for iPhone and Watch, that are different from the account number on the card.
In addition, the devices pay using this alias combined with a self generated single use PIN. So if the merchant terminal is comprimised, and the alias number and PIN are captured, it is unusable because the thief doesn't know what the newly generated PIN for the next transaction will be.
Further, if in some odd (hard to imagine) case the alias account is comprimised, the offending (iPhone or Watch) can be terminated and replaced with a new alias number without interfering with the alias on the other device, or, most importantly, requiring the creation of a new account number and reissue of a new card.
Finally, when the card expires, the bank and Apple work behind the curtain to update the info on your phone and watch so you don't have to reenroll these devices. (I believe this works the same way when the physical card is comprimised, and a new card and acct number have to be issued. Apple and the bank work to link the new account number with the aliases on your devices, because these numbers were not comprimised in this example.)
ApplePay is also anonymous. The only f
Finally, unless you are in to keeping all the paper receipts, Apple Pay allows you to dispense with these. (In the case of items with warranty, you can request a receipt for your records.)
I can't think of any real downside to Pay.
That's a helpful link thank youto 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?
Yes you will works great as well
That's brilliant news, it will save time when pre-ordering new Apple products without having to checkout and enter in card details and shipping address
No. Not everywhere with an Apple Pay logo allows transactions over £30.
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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.
Thanks for the reply, even if it's rather disappointing, so, in reality you can't yet go shopping using Apple pay in reality, it's just for some lunch, or a few items generally.
We can't pay each other.
I was thinking of pay a $1 bottle of water, or a 50 cent bit of candy for a child.
Seems it has a LONG way to go, to actually being as useful as it needs to be to make any Real World Difference.
You need at least to be able to go for a weekly food shop, or fill the car with fuel and use Apple pay, which you can't.
Likewise, need the ability for person to person payments, again to avoid the need for cash all the time.
I hope this will change soon and it will become a realistically practical thing as opposed to, a bit of a gimmic in some places as it seems to be at the moment.
Yep, it seems the 'wrong' shops have adopted limitless Apple Pay. Whilst coffee is expensive, it's not often you need to spend more than £30 at a coffee shop, yet they have limitless, whereas places where it would be useful, such as supermarkets, are still limited to £30.
I've bought items for less than £1, so you can certainly use it for micro payments.
As above, early days, I'm sure limitless adoption will come along soon.
I'd guesstimate I go around 4 days out of 7 using nothing but contactless payment. I don't think it's that unusual. Apple Pay has a similar range of applications. It could be Real World useful for some people.
watch.This website has a fairly good guide as to which retailers accept contactless, Apple Pay and >£30 Apple Pay.
Basically the following major retailers should allow >£30 Apple Pay transactions:
Apple
Cafe Rouge
Co-op
Costa
Hotel Chocolat
M&S
Moto Services
Nando's
Pret a Manger
Waitrose
Wetherspoons
You may find that some stores don't due to older equipment. Unfortunately there isn't really a foolproof way of knowing if somewhere will accept payments over £30, so if you think you may spend over it is wise to have a backup in case you can't use Apple Pay.
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For me it's the opposite, in the real world I don't spend over £30 in ever transaction. I do my 'big shop' online and it gets delivered, I tend to keep my car topped up with fuel as it's more convenient rather than worrying I may run out and kind find a petrol station, so when I pass the one on my route at I usually use and I have time I stop and top up. They take Apple Pay and if I do go over I just get a card out of my wallet. Most of my shopping is smaller items, milk and groceries for a day or two, and my nearest store is Lidl, they are very fast through the checkouts so I can be in and out of the shop in no time, I can pay using my phone and I have my bags picked up and phone away before the receipt is printed, I usually don't wait for it.
I'm not keen on shopping on the high street really so it doesn't really apply to me. Mostly because I live miles from any real high street shops, nearest would be a 50 mile round trip so I buy clothes and bigger items online, I can save money and get the best deals and I'm not as likely to make random impulse buys. Certainly most people I know don't go spending over £30 in multiple shops several days a week, and I would guess that's the same for many, you are lucky to have so much surplus income that it's an issue for you I guess!
Let's be honest if you've just spent an hour on a large grocery shop and then 10 minutes at the checkout it really isn't inconvenient to get your card from your wallet and enter a PIN number. This system is perfect for quicker small purchases. If I was buying a car, holiday, new white goods etc I really wouldn't mind that I need to spend 30 extra seconds at the checkout. However when rushing to buy milk it's really convenient to just be able to take your phone out of your pocket, finger on the button and it's done.
I already had 2 bank account debit cards and a credit card set up on Apple Pay, and I would say well over 90% of the time I don't take a card out of my pocket I can just use Apple Pay. The times I did was half because the retailer doesn't offer Apple Pay or it's over the limit, and half because O wanted to use my Barclays accounts. From today I now have another 2 debit cards and a credit card on there.
So no, I don't think it has a long way to go at all. I don't borrow money from people personally so have no need to pay them back, if I buy something from someone I usually use PayPal and their app is just fine and easy enough to use. If Apple built in something like that I would definitely use it but until today I hadn't even thought about it, as I didn't ink that's what it was trying to do. As far as I'm concerned it's trying to save me taking a debit card from my wallet and entering a PIN and making the process of paying more secure. It isn't trying to make it easy to pay Dave back for buying me a coffee. It's far from a gimmick, if you use it daily you will realise it's very useful, although if you are spending over £30 in multiple retailers often maybe you won't?
My only gripe is that I can't change the image of the card. I have 4 Barclays Bank accounts and each card has a personalised picture so I know what they are for. I can't add them all to Apple Pay or I would struggle to tell the difference. Seems like an easy thing for Apple to change but maybe I'm unusual in having multiple cards from the same bank?
I'm not sure if others agree but I feel only retailers who accept Apple Pay OVER £30 should be allowed to display the decal.
We know there are plenty of places that are contactless (and have been for some time) but I would be more inclined to spend my money (either credit/debit) in stores I knew were only limited to my available funds.
We know there are plenty of places that are contactless (and have been for some time) but I would be more inclined to spend my money (either credit/debit) in stores I knew were only limited to my available funds.
Or a different version of it that shows limitless Apple Pay is available in this store.
I want to be able to use the fingerprint reader to authorise Apple Pay and App Store purchases without being forced to use it and/or a passcode to unlock my device at the same time. I.e. I don't want my phone locked at all, I just want my banking stuff locked.
Metro bank said on Twitter they're working on it, I hope they get it by this summer as then I'll be able to completely switch to them
Although seeing this in Apple Pay would be excellent, this is where far more versatile services such as Pingit (coincidentally made by Barclays) and PayPal.Me come in.
I was able to add my barclays debit card, but I couldn't add the barclaycard... I don't know why ;c anyone has the same issue?
It is possible to run around with a hidden portable credit card terminal and bump into people with it, but there's enough paperwork involved in getting such a device that you'll likely be caught quickly. Which is why I doubt that's all that common, if it even happens.
Barclaycard are in the process of migrating their MasterCard customers over to the Visa Credit branded credit cards.
It might be worth getting in touch and asking for a replacement card (if yours isn't on your way to you yet).
You may not know this (apologies if you do) but when the £30 limit was introduced last September Barclaycard kept their MasterCard customers at the old £20 limit for contactless payments.