It's retailers still using the older terminals who seem to have the cap. I've been able pay over £30 in a few smaller retailers who have the latest gear.
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Early Apple Pay Reception Tepid Outside of United States
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Not Exactly.
In the UK we are quick to adopt new technology and it is just a reflection of stores buying into the infrastructure of Apple Pay. So yes, I see a lot of retailers offering Apple Pay on the same terminal that I can just wave my debit / credit card at. This does not mean that we are using it. Also, Apple Pay uses the same terminal as Chip and PIN and Contactless, so the stores do not have any tangible extra outlay to provide the 'option'.
I do not use Apple Pay for some of the reasons in this article and I know many others who own an iPhone who do not either.
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That's a great explanation of the process, I was aware much of it was software configurable but not the precise details.
Tesco seem to have a really haphazard rollout of contactless in general. None of their larger stores in my area have it, their smaller ones do though. Unlike your experience however, apple pay does work for me with my banks debit card. I don't have AMEX so I can't try that.
That's a great explanation of the process, I was aware much of it was software configurable but not the precise details.
Tesco seem to have a really haphazard rollout of contactless in general. None of their larger stores in my area have it, their smaller ones do though. Unlike your experience however, apple pay does work for me with my banks debit card. I don't have AMEX so I can't try that.
AMEX is a nightmare in the UK. Countless times in Waitrose, Morrisons and McDonald's where the transaction comes up on the phone with the amount paid but it has failed on the terminal. Never sure if I've been charged and the staff have generally been willing to waive the charge just in case.
AMEX themselves are blaming the retailers for not having up to date technology somewhere along the chain.
AMEX themselves are blaming the retailers for not having up to date technology somewhere along the chain.
That sounds really frustrating.
There are so many parties in the payment chain, it's a wonder any of this works at all though. I'd have thought the merchant bank that provides payment services to the retailer would be responsible, or at least be involved, for ensuring the terminals are up to date. Although that's just a deduction on my part, I have no inside knowledge.
Apple Pay works perfectly for me with my Natwest credit and debit cards in Tesco. The Tesco rollout is slow partly because they've been trying to upgrade their scanners to the new hybrid ones (CCD + Laser) so they can support their DOA PayQwiq wallet which involves scanning a QR code on the phones screen and can only work with a CCD scanner (Laser gets refracted through the glass of the phone screen and the scan fails). They've been upgrading their Pin Entry Devices (PED) at the same time to newer models with contactless enabled. These guys have massive estates though so it's costly and time consuming.
I think AMEX are kidding themselves there. The speed of ExpressPay (or lack thereof) is actually down to the way they've implemented the EMV calls (over NFC) in their own Kernel. They make a lot of EMV calls to generate the necessary cryptogram to complete the transaction. In comparison VISA designed their contactless Kernel to make the bare minimum number of EMV calls and as such is vastly quicker, this means the card needs to be in the field for less time and also results in a lower risk of failure.
As I say.
I do not know 100% sure sure exactly which retailer I may decide to visit when out shopping so I need to take my wallet with me, and my credit/debit card.
I may only have a rough idea of how much my shopping will come to, if I've got many items in my basket/trolly, so do I have my phone out ready just in case it's under the £30 limit, or, if they as a store support NFC, or do I think, you know what, I'll just get my plastic card out my wallet I have to have with me anyway whilst I'm waiting at the checkout then I know for sure I will have no issues what it comes to paying.
I'm sure in a few years this will be fine, but at the moment it's just painful for normal everyday random shopping and totally worthless for your weekly food shop. £30 (Which is $43 US dollars) Maximum payment
I do not know 100% sure sure exactly which retailer I may decide to visit when out shopping so I need to take my wallet with me, and my credit/debit card.
I may only have a rough idea of how much my shopping will come to, if I've got many items in my basket/trolly, so do I have my phone out ready just in case it's under the £30 limit, or, if they as a store support NFC, or do I think, you know what, I'll just get my plastic card out my wallet I have to have with me anyway whilst I'm waiting at the checkout then I know for sure I will have no issues what it comes to paying.
I'm sure in a few years this will be fine, but at the moment it's just painful for normal everyday random shopping and totally worthless for your weekly food shop. £30 (Which is $43 US dollars) Maximum payment
I personally use Apple Pay virtually everywhere I can here in the UK. People behind the cash register don't seem to double take on the fact that I'm using Apple Pay now either. I also work in a bar and it's impressive just how many people use contactless cards too. A year ago it wasn't like that at all! Older people and younger people alike.
OK, that makes sense, thanks for the explanation. I've seen the greyed out option for contactless on their self checkout screens for sometime now, funnily my thought process was, these guys are huge (the biggest super market chain), how come it's taking them so long. I guess that works both ways though.
No issues here, I find that I can seamlessly switch between Apple Pay, debit card or cash depending on the situation.
Agreed, plenty of Londoners use it on the tube and to pay for lunch/Boots shopping etc. I use it daily at least 3-4 times.
I think the £30 limit was brought about by the banks and the U.K. Card Association group.
Fair enough for a physical card but for Apple Pay I feel more retailers should support higher value transactions as it's being verified by the card holder.
Although I've used my Apple Watch on places like the London Underground I prefer to present my iPhone to keep an eye on what I've spent without having to refer to Internet Banking.
I'm not sure about all shops, but you can definitely spend more than 30 in Marks and Sparks and Boots with Apple Pay
Translation: socialist bankers don't like a transaction system they can't control
I'm in the UK and loaded up Apple Pay immediately. However I have nevr used it as touch-pay with my debit card is so easy. Had Apple come out with this sooner maybe it would have caught on but touch-pay has the first mover advantage and all the momentum
Well, I use a banking app for the Dutch ING bank on my iPhone, I can login into the app via touch ID but when transferring money it still requires me to use a pin code.....
In Canada, all credit cards have a chip and it's easy to pay quickly by just entering your pin or using the wifi direct payment capabilities built into all Canadian credit cards. ApplePay brings nothing better (it's actually more complicated using ApplePay than using credit cards with a chip). That's why there is little interest here. ApplePay will be used, but it's not really a big deal. The US is really behind regarding credit cards technology. That explains why ApplePay seems such a step forward. But it isn't really.
When heard that ANZ in Australia announced they had supported Apple Pay I immediately signed my card onto it. Since then I have been using Apple Pay everywhere without any issues what-so-ever.
The difference between old school across the Atlantic is something worth mentioning in my opinion.
Going old school in Europe means that you use chip and pin, that is, you insert your card into a portable reader (usually GSM/3G/LTE/whatever), follow it up with the pin and complete payment in a few seconds. And you still get a printed receipt if you want. It is not a particularly inconvenient or unsafe method.
That's been my experience as well. I love using Apple Pay. It works great -- when I can find a retailer who accepts it.
How is $11 billion in one year a failure? And if that amount (at just 15 cents per $100) is mostly coming from just the U.S., that seems pretty successful to me.
It is tepid in the united states. I cant find but 1 store in my area that takes apple pay. I live just outside of a small town called Philadelphia PA.
WOW! I can: erroneously thinking that Apple Pay is the only good use case for an Apple Watch.