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Barclays Now Showing Apple Pay Terms and Conditions [Updated]
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Yeah, this is why IMO it's better to stick to mainstream banks (the so-called 'big four') rather than mucking around with VBO's (Virtual Banking Operators) like Tesco's or Sainsbury's banking efforts. As, like virtual mobile operators, their services are usually lacking in several areas.
Same with credit cards: stick to big four or big cc operators like MBNA or Barclaycard (not the same company as Barclays Bank anymore, BTW!) wherever possible. Most of the best 'deal' cards (cashback, transfers, etc.) found on comparison websites are 'brands' of the big companies anyway, generally.
They are generally incompetent. looks like the T&Cs went live by mistake, and given how badly Barclays are at rolling stuff out, maybe in 2017 we *might* get apple pay.
I think Im suffering from stockholm syndrome being a customer.
I'd say, by the looks of it, someone had edited the T&Cs in MS Word (thanks to the incorrectly formatted apostrophes and MS Word's "Smartquotes" or whatever it's called option).
They 'bank' on their customer's loyalty, but really it doesn't pay to be loyal to a bank.
People should damn their impudence and vote with their feet! Leave them and go and bank elsewhere.
I know, right? The actual app is brilliant. They just don't seem to trust Apple for some reason. No Touch ID and a long wait for Apple Play.
So what's the limit with Apple pay?
Does it vary by bank and/or merchant?
I don't see why there should be a limit. Apple pay is more secure than chip and pin.
Going to be nice if Apple Pay can do device to device money passing. Ah and Apple Pay for online ordering. Hopefully Barclays won't be dragging their feet - don't they see they look petulant by delaying bringing this kind of thing?
Ah well. By mid April and see what WWDC brings
£30 though some may be able to do more currently afaik. They could raise it - I guess they'll have risk data by now. Hopefully Apple has some more improvements to it.
If you have £1,000 on your credit card there's nothing to stop you spending all of that £1k on Apple Pay in one transaction.
Basically it's only limited up to your available funds.
That's not necessarily true. You will be limited to £30 at the majority of retailers in the UK. Some, including Apple Stores, will allow you to have an unlimited spend in one transaction. But only a handful of retailers support this.
Barclays and Barclaycard are seperate entities, bPay has nothing to do with Barclays debit cards.
Barclays where one of the first to really embrace contactless payments and payments between mobile devices so that has been an area of concentration. They do want Pingit to be a mobile payment method for shops but I don't believe that they have purposefully delayed ApplePay to encourage Pingit. Pingit is more of an alternative to PayPal and a way to encourage people to give up cheques and use a branch less often.
Barclays also have been introducing new back end systems so updating them to include ApplePay has taken some time. I don't know how other banks have done it but Barclays have definitely taken way too long. Training has been delivered so I'm assuming ApplePay will go live soon.
I believe that if a shop accepts general contactless payments the limit will be £30 transaction, if they have installed ApplePay on the terminals then the limit will be just like using your debit card.
Barclays where one of the first to really embrace contactless payments and payments between mobile devices so that has been an area of concentration. They do want Pingit to be a mobile payment method for shops but I don't believe that they have purposefully delayed ApplePay to encourage Pingit. Pingit is more of an alternative to PayPal and a way to encourage people to give up cheques and use a branch less often.
Barclays also have been introducing new back end systems so updating them to include ApplePay has taken some time. I don't know how other banks have done it but Barclays have definitely taken way too long. Training has been delivered so I'm assuming ApplePay will go live soon.
I believe that if a shop accepts general contactless payments the limit will be £30 transaction, if they have installed ApplePay on the terminals then the limit will be just like using your debit card.
Sorry I thought the OP was referring to contactless transactions where the £30 limit wouldn't matter with Apple Pay 'uncapped'.
The £30 cap is built into the terminal not the cards. Pret in the UK for example has lifted that cap in some of their stores.
johnnyturbouk
macrumors 68000
This variable cap is so annoying, how is anyone to know what any given merchants cap is?
It completely defeats the purpose if you have to ask each time. With the time it takes to figure it out, especially if the person operating the machine isn't sure, you may as well have just used a regular credit card with chip and pin and be done with it.
What a faff....I just signed up to get an NFC terminal for a small business this afternoon and I'd like to raise the cap. Will have to look into it further once I get all the kit.
It completely defeats the purpose if you have to ask each time. With the time it takes to figure it out, especially if the person operating the machine isn't sure, you may as well have just used a regular credit card with chip and pin and be done with it.
What a faff....I just signed up to get an NFC terminal for a small business this afternoon and I'd like to raise the cap. Will have to look into it further once I get all the kit.
If think if you speak to the card merchant (who processes the transactions) they'll be able to lift the £30 cap for Apple Pay.
See: https://support.apple.com/en-gb/HT204906
£30 is the standard cap set by the payments council (I think) for all contactless payments as they don't require a PIN and banks foot the bill for any fraud.
If a retailer uses ApplePay then the terminal should accept any amount as it is authenticated by touchID token.
I'm still trying to find out if a cashier needs to specifically select ApplePay on their terminal or if they just select contactless as payment.
When I eventually get to use ApplePay I'll specifically ask to pay that way to avoid any confusion at the till.
If a retailer uses ApplePay then the terminal should accept any amount as it is authenticated by touchID token.
I'm still trying to find out if a cashier needs to specifically select ApplePay on their terminal or if they just select contactless as payment.
When I eventually get to use ApplePay I'll specifically ask to pay that way to avoid any confusion at the till.
By rights it should be contactless. At Morrison's (where I've shopped just) at the self checkout I merely selected card and then held my iPhone near the reader.
At Boots I select contactless payments on their self checkouts (or tell them I using contactless if a cashier serves me).
The same goes for Tesco (Metro); I select contactless payments on the self service.
Is a Virtual Banking Operator one without branches? Or something else?
Tesco Bank was initially a 50:50 joint venture with RBS (who handled their transactions) but since 2008 it has been wholly owned by Tesco and has its own banking licence. They have barely any branches but that aside they are not any different to the big four in terms of product offering. Now that Tesco offer current accounts I can't think what areas they lack in. They will support Apple Pay on their current account at some point this year apparently.
And what about TSB, Santander and Nationwide? Not part of the big four but have great product offerings.
The problem is that the retailer doesn't need to do anything to accept Apple Pay but does need to do something to support CDCVM needed for limitless transactions. If not many customers pay by Apple Pay there won't be much incentive for the merchant to update their terminals.
You are safe to simply ask to pay by contactless. There is no distinction between contactless and Apple Pay as Apple Pay uses the existing contactless system. Additionally, if limitless transactions can be accepted, this will show on the terminal automatically, without further prompt from the cashier. I used to ask to pay by Apple Pay but it usually just confused the cashier!
As iGeek mentions, you do sometimes need to specify between card and contactless, though this is rare in my experience and shouldn't be a big problem. The problems will come about if cashiers don't realise they support limitless contactless transactions and you don't know either. For this reason if a purchase is over £30 I assume they won't accept contactless but look out for the symbol on the screen.
After eight months of doing this I finally made a higher value Apple Pay purchase in EuroCarParts a few days ago. I had asked to pay by card but noticed the contactless symbol came on screen.
Although it's been sometime since I spent over £30 at Morrison's whenever I've used the self service tills the terminal says Insert/Swipe Card and the contactless symbol disappears.
In terms of Barclays Bank it says "could not add card at this time" now.