Sidebar Sidebar
Become a MacRumors Supporter for $50/year with no ads, ability to filter front page stories, and private forums.

Barclays Now Showing Apple Pay Terms and Conditions [Updated]

W
SMIDG3T said:
That might be about right. Another date that was rumoured was the 10th of April. That's only 11 days away. I'm really hoping that Macworld article that was published today is bull**** because they say end of May!!!
Click to expand...
Wired had an update to say by mid April - http://www.wired.co.uk/news/archive/2016-01/26/barclays-apple-pay-support

jacktorrance said:
You would see the benefit if the contactless facility on your Barclaycard stopped working and you couldn't get on the tube without paying over the odds. Yes, happened to me last week - Apple Pay would've solved the problem.
Click to expand...
Except the Apple Pay has to be used for the whole journey, otherwise it's an unfinished journey and they charge you for that - like if your iPhone went dead battery after getting on to tube with it. Good to have as a backup mind! Easy enough to keep an emergency battery charge in a small battery with you
 
  • Like
Reactions: Benjamin Frost
geoff.barnett said:
As a Barclaycard customer, I didn't even know that my card wasn't supported with Apple Pay, but to be honest, I didn't even try and register my card. Why? Because my contactless visa on it's own already has the same payment threshold of $30 and it's quicker to use the card on it's own, than to fumble with the bionic thumb print on my iPhone.

I cant see any benefit to using Apple Pay until it has a larger transaction limit than my contactless Visa.
Click to expand...

Totally agree. I think in the US, Apple Pay can be used for much larger transactions. Here in the UK it's using the same infrastructure as contactless, so it has the same limitations.

As for bPay - it's just a contactless chip, the same as is in a contactless credit card and you can link it to your card, I haven't bothered, because again it has the same threshold of £30 and it doesn't irritate me having to remove my visa card from my wallet. Although I would say bPay is more convenient than using Apple Pay, given you can get a bPay wrist band for £6... that would be handy for using public transport in London.
Click to expand...

Actually, I think the use case for bpay is slightly different (in addition to the different form factor). Since it's a stored value concept, they're not lending money and therefore it can be given to kids. Sure, it can be used in a similar way if you link it to a card, but this is a differentiator.

Now... what happens if on day 1, you use Apple pay, but on day 2 you use your bPay wrist band, then on day 3 you use the contactless visa card... does it all tie up to the same card? Or does TfL think they are different devices from different passengers? If that is the case, I might end up paying more for my weekly journeys, even though all those devices are linked to the same bank account, I would sure complain about that if I noticed.
Click to expand...

I'm sure they'll all be different. Bpay isn't the same as your credit card. Apple Pay has a different security concept, and hides the underlying card details from the shop/service you're paying. So yep, you couldn't swap between these and still expect TFL to credit you with a weekly ticket.
 
  • Like
Reactions: jimthing and Benjamin Frost
geoff.barnett said:
Now... what happens if on day 1, you use Apple pay, but on day 2 you use your bPay wrist band, then on day 3 you use the contactless visa card... does it all tie up to the same card? Or does TfL think they are different devices from different passengers? If that is the case, I might end up paying more for my weekly journeys, even though all those devices are linked to the same bank account, I would sure complain about that if I noticed.
Click to expand...

There shouldn't be any issues between bPay and ApplePay seeing as you have to load money onto your bPay account. Another reason to not use it right? Plus the overpriced gear to even use bPay...! The sticker used to be given away FREE with Barclaycard long before contactless became so popular.
 
geoff.barnett said:
I cant see any benefit to using Apple Pay until it has a larger transaction limit than my contactless Visa.
Click to expand...

I forget the iPhone can do Apple Pay , but i use it lots via the Apple Watch, that is where Apple Pay stands out. Paying using the Apple Watch with Apple Pay is quicker than getting your wallet out and less hassle. Much more convenient on London Underground 2 quick presses on the side and put by the barrier card reader an you are in, no getting your wallet out in a congested busy area.

I used Apple Pay for £60+ last time i went Nando's , so they don't have the usual £30 contactless limit if its using real Apple Pay.
 
  • Like
Reactions: jimthing, BulkSlash, daveak and 1 other person
Don't know if it's related, but Barclays have been doing some backend work recently, terminals that had contactless turned off suddenly started working for a short time where my friend works.
 
firestarter said:
Totally agree. I think in the US, Apple Pay can be used for much larger transactions. Here in the UK it's using the same infrastructure as contactless, so it has the same limitations.
Click to expand...

Wrong, we have limitless as well. It depends on if the till has been updated to recognised consumer verified contactless or not. Some have been, some haven't.
 
  • Like
Reactions: jimthing
geoff.barnett said:
As a Barclaycard customer, I didn't even know that my card wasn't supported with Apple Pay, but to be honest, I didn't even try and register my card. Why? Because my contactless visa on it's own already has the same payment threshold of $30 and it's quicker to use the card on it's own, than to fumble with the bionic thumb print on my iPhone.

I cant see any benefit to using Apple Pay until it has a larger transaction limit than my contactless Visa.

As for bPay - it's just a contactless chip, the same as is in a contactless credit card and you can link it to your card, I haven't bothered, because again it has the same threshold of £30 and it doesn't irritate me having to remove my visa card from my wallet. Although I would say bPay is more convenient than using Apple Pay, given you can get a bPay wrist band for £6... that would be handy for using public transport in London.

I suspect that the reason it's taking Barclays longer is because of bPay. If you have a bPay wrist band and an apple pay device, you would want the payments to tie up to the same source... Transport for London is one reason I can think of that would be an issue, because TfL takes an imprint of your contactless card each time you use it to take a Tube or a Bus in London... at the end of the day it matches up all the transactions from that contactless device and then if you have exceeded the Travel Card fare cap for the day, it will only charge you the travel card price instead of the price of each journey separately (which would be more expensive), TfL further keeps track over the course of a week and if you exceed the weekly fare cap, it will not charge you for additional journeys.

Now... what happens if on day 1, you use Apple pay, but on day 2 you use your bPay wrist band, then on day 3 you use the contactless visa card... does it all tie up to the same card? Or does TfL think they are different devices from different passengers? If that is the case, I might end up paying more for my weekly journeys, even though all those devices are linked to the same bank account, I would sure complain about that if I noticed.
Click to expand...

BII: Apple Pay (where supported) can be used up to your card's available funds or the funds available in your current account.

As posted above me the likes of Nando's support Apple Pay over £30 and there are plenty of other merchants too.

I've used Apple Pay to purchase my Watch (last September) and even used it yesterday to pre-order my iPad Pro.
 
Powermax said:
Come on Apple, bring it to Germany!
Click to expand...
I wonder if Germany has two (or more) different contactless systems. As there are only few contactless terminals there, I only tested it in 2 places. Aldi Nord worked instantly, Lidl seemed to work, but then it showed as declined on my phone, had to use cash there in the end. So perhaps it isn't only down to the old fashioned banks in Germany, but also to technical problems.
 
Michael Harte is the Chief Technology Office of Barclays UK but it does seem he lacks the technology skills to deliver Apple Pay. Is it really that hard considering all other major UK banks have been up and running.

The most annoying part is the lack of solid / clear communication from Barclays
 
  • Like
Reactions: jimthing
Does anyone really care? I've used a tap to pay credit cards for years. I understand Apple Pay to offer similar convenience. And I realize there's the interest in the technological tie in.

But never once was I concerned about whether an individual retailer offered the most convenient method of using a card/account.
 
For me its the added security using apple pay as if your card gets stolen there is nothing stopping any thief from using contactless payments until the bank stops it.
[doublepost=1459279822][/doublepost]
Broken Hope said:
Barclay's have taken down the T&C.
Click to expand...

I am sure that means nothing they probably took it down because it's not ready to be launched yet.
 
Jimmy James said:
Does anyone really care? I've used a tap to pay credit cards for years. I understand Apple Pay to offer similar convenience. And I realize there's the interest in the technological tie in.

But never once was I concerned about whether an individual retailer offered the most convenient method of using a card/account.
Click to expand...

Unfortuantley i'm a Barclays customer and so I can't have the convienence of leaving my wallet at home or simply putting my Apple Watch / iPhone near a NFC terminal. I'm still stuck with old technology while all other UK banks provide 21st century technology

Barclays are an embarressment to themselves - missed promises on their delivery of Apple Pay again and again
 
geoff.barnett said:
As a Barclaycard customer, I didn't even know that my card wasn't supported with Apple Pay, but to be honest, I didn't even try and register my card. Why? Because my contactless visa on it's own already has the same payment threshold of $30 and it's quicker to use the card on it's own, than to fumble with the bionic thumb print on my iPhone.

I cant see any benefit to using Apple Pay until it has a larger transaction limit than my contactless Visa.

As for bPay - it's just a contactless chip, the same as is in a contactless credit card and you can link it to your card, I haven't bothered, because again it has the same threshold of £30 and it doesn't irritate me having to remove my visa card from my wallet. Although I would say bPay is more convenient than using Apple Pay, given you can get a bPay wrist band for £6... that would be handy for using public transport in London.

I suspect that the reason it's taking Barclays longer is because of bPay. If you have a bPay wrist band and an apple pay device, you would want the payments to tie up to the same source... Transport for London is one reason I can think of that would be an issue, because TfL takes an imprint of your contactless card each time you use it to take a Tube or a Bus in London... at the end of the day it matches up all the transactions from that contactless device and then if you have exceeded the Travel Card fare cap for the day, it will only charge you the travel card price instead of the price of each journey separately (which would be more expensive), TfL further keeps track over the course of a week and if you exceed the weekly fare cap, it will not charge you for additional journeys.

Now... what happens if on day 1, you use Apple pay, but on day 2 you use your bPay wrist band, then on day 3 you use the contactless visa card... does it all tie up to the same card? Or does TfL think they are different devices from different passengers? If that is the case, I might end up paying more for my weekly journeys, even though all those devices are linked to the same bank account, I would sure complain about that if I noticed.
Click to expand...

This is why I'm looking forward to finally being able to use Apple Pay on my Apple Watch; really convenient. My hope is that eventually they will get rid of this limit, especially as contactless is more widely used. I think the reason it exists is because some versions of contactless don't require you to enter a pin so it's to stop criminals getting at your money. Apple Pay obviously has this security (pin on watch, fingerprint on phone) so hopefully this will happen for at least services such as Apple Pay.
 
Gav2k said:
You'd understand why this is news if you were in the uk
Click to expand...

I've been a Barclays customer for long enough to know they will delay it .....thier blunder to launch thier T&Cs early does not warrant front news exposure .
 
t0mat0 said:
Any idea if other UK banks went through this - Terms and Conditions going up then being able to use it?
Wondering how long till it might go live.

Lloyds - Lloyds Bank, Halifax and Bank of Scotland
http://9to5mac.com/2015/09/03/lloyds-apple-pay-launch/
Sept 11th went live 8 days later.

Hmm - a week's wait to come for Barclays customers for it to go live?
Click to expand...

I think there was lots of issues surrounding people who had tried to add their cards earlier and got the terms and conditions. When it finally went live they couldn't get them to work.
 
iGeek2014 said:
Interesting to see they don't charge personal customers at the moment for using Apple Pay... Hmmm you shouldn't be charging anyone Barclays!!
Click to expand...

Interesting they mention personal customers not getting charged, does this mean that business account holders could use Apple Pay but may be charged?...
Not many Banks offer Apple Pay on business accounts.
 
FatherOfTwo said:
Unfortuantley i'm a Barclays customer and so I can't have the convienence of leaving my wallet at home or simply putting my Apple Watch / iPhone near a NFC terminal. I'm still stuck with old technology while all other UK banks provide 21st century technology

Barclays are an embarressment to themselves - missed promises on their delivery of Apple Pay again and again
Click to expand...

The Cooperative Bank have done nothing about ApplePay ever since last summer. They give the same statement to customers tima and time again. And it is identical to the statement they give to the press. Looks like the Cooperative Bank will be the last to join...if it ever does.
Test them on twitter and I bet the response will be:
"We are making significant investment to improve our mobile and online banking services and as part of this, we are actively considering a range of electronic payment solutions that are available in market. We are not in a position to announce these plans at this moment in time, but we will let our customers know once new services are available."
It will be a long wait...
 
  • Like
Reactions: jimthing
You must log in or register to reply here.
Register on MacRumors! This sidebar will go away, and you'll see fewer ads.
Top Bottom
Back