Early Apple Pay Reception Tepid Outside of United States

[Robert.Walter]

Exactly. Uptake in the US is artificially high because Apple Pay actually offers a significant benefit over there. Contactless payments have been the norm (certainly here in Australia, but in plenty of other countries too) for the last 5 years, so why would people be drawn to this "new" service?

Most of the comments on here about Apple pay being useful convenient are actually referring to the contactless nature (no signing, pin etc) rather than using applepay in particular.

More importantly.... if the consumers don't really care, why would banks want to adopt it and pay Apple a % ? Somebody above observed that people should switch banks just to get applepay.... lol.

Personally, I might use it at the point it becomes more ubiquitous - then I could downsize my wallet - but it's kind of an all-or-nothing deal.

Also, I don't want to look like a t*t waving my phone in front of the card sensor, asking the shop assistant if they take applepay...."apple what?", "oh, nevermind *pulls-out card*"

Then move off the **** method of checking. Don't bother asking cashiers as they usually say no out of ignorance. Check yourself, just hold your phone to the terminal. If it speaks ApplePay, then the phone will wake and light up automatically. If not pull your card.

If you are like most people, you are a creature of habit and generally shop the same stores, so periodically check with the phone, in the meantime carry on as you always have.
[doublepost=1464870544][/doublepost]

I constantly tell customers we accept Apple Pay. Most just shrug it off and pay with their cards.

Tell them it is a totally secure payment method. (May raise hackle of your employers.)

 

[andyyardley]

Does Apple/my bank charge me to use it? I can't get a straight answer and that is a little off putting.

Apple actually charge the merchant, when your bank issues the token card number (the one in your phone) against your real card number they flag it as Apple Pay. When you use that card the bank have to pay Apple a cut, the size of the cut was the reason why it took a while to get out of the US as there are EU laws around how much a bank can charge a merchant, in the EU this % is way way way smaller than in the US and Apple wanted a really big piece of that effectively wiping out the banks profit.

There is also an EU law due which stops merchants from passing the card charges to the consumer. Travel booking services are currently the only merchants to really do this anymore.

There may be a problem what is counted as "using Apple Pay". Most of the time you use a payment terminal that doesn't know about Apple Pay, but accepts your phone just as it accepts a contactless debit or credit card. It might be that this isn't counted as "Apple Pay".

An Apple Pay and contactless transaction are indistinguishable from each other as they both use the same EMVCo standard communication protocol. The incompatibilities come as each scheme (VISA/AMEX/etc) have implemented the standard differently and then they have different versions of their own implementation. The terminal and card both have to talk the same version (or at least the card can't be a newer version) for the transaction to work correctly.

 

[Robert.Walter]

This "report" is a load of rubbish containing no actual information and is just really an opinion piece as someone thinks Apple Pay is not as good as a card.

The only problem with Apple Pay is when I go to open it from the lock screen and the phone unlocks so I have to lock the phone to go back to it. I would almost like a dedicated wallet button but that is more an issue with Touch ID.

When I get Wallet open Apple Pay is really quick and gives fast feedback from my bank on what I just spent. The registration process was a 2 min phone call which I had to do once ... Not an issue, this article just wants it to be not reminding everyone when you get a new chip and pin card you need to contact the bank and register the card anyway.

The only real limitation is the spending limit of contactless payments. Other than that most places in the UK if they support contactless which is the majority of outlets now will accept Apple Pay.

End of the day I am always going to need to carry a card as long places exist that require me to pay in cash meaning I need to withdraw some. If I could do that via my phone when I get to a cash machine that would be great but still that is only as good as when the phone is working. But equally the chip and pin card is only as good asking as the card is recognised and not worn.

No solution is perfect currently but Apple Pay is popular in the UK and I use it whenever I can.

I just wish wallet would let me add all these club cards etc I have so I no longer need a physical wallet. That is the real failing here.

You are making ApplePay more cumbersome than necessary.

For straight payments, you don't need to do anything but hold the phone near the terminal with your finger in place in the sensor. No click, just passively place your finger in the button. When the phone wakes in the presence of an NFC field, it will immediately authorize payment to your default card. If you have multiple cards, then you don't place your finger until the phone wakes and you chose the desired card.

You can empty your loyalty cards out of your wallet. Use the merchants app to store their loyalty card. If no app, then use a virtual wallet app. I use Card Star and am satisfied and my wallet is way thinner.

 

[maxsix]

Neither were light bulbs, telephones, motor cars or even credit cards.

I'm sorry you had such trouble adapting to such relatively simple tasks or the panoply of watch face options, but I realize that life's events are typified by a bell curve and not everybody adapts or is served well by new objects.

My grandmother 1897-1997+ had fear of touch tone vs rotary, and never adapted to digital microwave controls.

My mom 1933-?, could never program a VCR, but uses her Apple Watch constantly, ApplePay, navigation, setting timer w/ when cooking, taking calls when in room away from phone and adjusting her new gen hearing aids (this last one has been a bit of a disappointment because of the unreliability of Bluetooth but is better than her old gen aids were.)

You're personal devotion to Apple is impressive.

 

[thermodynamic]

The problem is Apple isn't signing up enough retailers. For every 10 banks they sign up they seem to only be adding 1 retailer. Retailers that have the capable technology are hesitant because they cant get any analytics from the data. This is where Apple needs to step in a forge some behind the scenes deals, otherwise Apple Pay is doomed.

Retailers also get to pay a nice per-transaction fee, which adds up and eats away at the profits. But in a supply-side country, only the supply is given a free pass. In this scenario, the retailers are the customers. Funny how patterns repeat...

And aren't Americans are tired of forgery or something?

 

[Tech198]

smart rider here in Australia...

unless u have American Xpress that is, u can use Apple Pay.... (American multinational financial services) so it's no wonder why they got it first.

Slow roll outs..... I can run faster than that

 

[RoboCop001]

Ever since yesterday I've been using Apple Pay wherever there's a contactless payment thing. Which is basically everywhere in Canada lol.

Both times I've used it, the person at the cash was surprised and said "Oh wow I didn't know you could do that!"

I think because they pretty much just launched in Canada, there won't be immediate rapid adoption. You'd only notice the feature if you were at your bank's website and saw the "Apple Pay is now here" ad on their website. I know the TD mobile app has the Apple Pay ad front and centre, but it's not something you'd immediately notice anyway. I haven't been to a branch in a long time, so maybe they have signs in there.

That's just for the every day people though. For those of us on here, and for those who follow Apple stuff closely (even if they don't come on here) that's where the initial adoption will come from.

I think it'll spread more by word of mouth. And because we just got it for every major bank only yesterday, I think adoption will rise significantly over the course of the year.

 

[northy124]

The problem is Apple isn't signing up enough retailers. For every 10 banks they sign up they seem to only be adding 1 retailer. Retailers that have the capable technology are hesitant because they cant get any analytics from the data. This is where Apple needs to step in a forge some behind the scenes deals, otherwise Apple Pay is doomed.

It doesn't matter regarding retailers as anywhere contactless is accepted you can use Apple Pay which in London is virtually everywhere but in France for example, virtually nowhere in my experience so when Apple Pay does launch there, it'll be a pretty niche payment system.

 

[Robert.Walter]

I'm just too used to using my contactless bank card - so I guess force of habit is stopping me using Apple Pay as much as I expected I would.

A few other things have dampened the excitement for me though too.

It took my bank (TSB) about a year to adopt Apple Pay. Registering cards with them was also a nightmare... had to register for telephone banking first, wait for a letter with a confirmation code, then scan my card and call them again to verify. This lengthy process really put me off registering more than one card and I've not bothered with any on my iPad as a result.

Also, transactions through Apple Pay take a few extra days to show on statements compared to direct contactless or normal chip and pin. This can be frustrating and again off-putting.

The barriers you cite are not really that time consuming. Try pushing thru them, you might be glad you did.

I never see a delay in confirmation when I pay by Apple Pay.

I live in Switzerland, so my charges here go to my bank in the USA for approval, then to my USA email provider then back to me here.

Charges to my Amex and usbank visa appear within about 5 sec on my watch and iPhone. Only delay is if I don't have a decent signal.
[doublepost=1464874438][/doublepost]

Biggest advance of paying per phone compared to bank card is that with the latter a third person can easily do transactions if I should lose my bank card. In the case of iPhone he has to gain acces to the phone first. That would make it for me more than worth to go through the "trouble" of registering my card with Apple Pay.

Some folks don't see risk of breach or cleanup from same as more trouble than just setting up something that takes 15 minutes max (including waiting on the phone to do the confirmation.)
[doublepost=1464874693][/doublepost]

[doublepost=1464847959][/doublepost]
[doublepost=1464848068][/doublepost]The main reason that I'm not using ApplePay here in the UK is the low limit of cards allowed in Wallet.

If I could put all my cards in ApplePay, then I'd be much more likely to use it.

If you just start using it, you will like it. The more use, the banks will be forced to reconsider raising the limit above normal contactless. Banks are risk averse and need time and pushy customers to change.
[doublepost=1464874827][/doublepost]

You're personal devotion to Apple is impressive.

No, I just like Apple Pay and abhor ignorant snark. Your devotion to something doesn't really elevate discourse or add much to the conversation.
[doublepost=1464875159][/doublepost]

Does Apple Pay use the Touch ID in the same way as unlocking the device, or is it more picky? The reason I ask is that I've never heard much complaint about people unlocking their devices with it. Everyone I've talked to about it always says how well it works and how life-changing it is.

Works only one way regardless of what you are using it for.
[doublepost=1464875311][/doublepost]

So you do have to carry all those cards. And you do have to sometimes show ID. And you do have to sign sometimes.

My credit card is accepted everywhere, has contactless payment and the battery never runs out.

On this basis, I think it's Apple pay that sucks.
[doublepost=1464851823][/doublepost]

You must know some people who lead incredibly dull lives if they think fingerprint recognition on a mobile telephone is life changing.

Or perhaps you're exaggerating.

Dear OP, please stop being such a Mildred.

 

[Ronlap]

Sounds like you may have a broken TouchID sensor? Or maybe when you set up your finger/thumb print, you did it at a weird angel? I've been using TouchID and Apple Pay on an iPhone 6 (not S) since day 1 at a variety of stores/locations all across the U.S. and can only think of 1 time I had an issue. Unless you're just complaining to complain, which is staggering on this forum nowadays. What the heck happened? I know it's only gotten worse over the years, but good lord.

Some folks have better fingerprints than others. I have "unreadable" prints which makes background checks really fun for me - and which also means that TouchID and I don't get along very well. I have to retrain TouchID every few weeks and I know it's time when I need to use my passcode consistently. Like others say, I can whip out my CC while I am waiting in line and hold it in my hand ready to insert or swipe, instead of having to futz with ApplePay while I'm in front of the terminal with people fidgeting in line behind me.

 

[AsherN]

I am in Canada, and I don't see any incentive to use my iPhone to pay for something, versus my tap bank card. The bank card works, is smaller and lighter and has unlimited battery life.

The incentive will be when merchants and banks accept the "secure transaction" flag of Apple Pay and bypass the tap $$$ limit for Apple Pay transaction, acting like a Chip-and-PIN transaction. Then we'll be able to leave our CC at home.

 

[Robert.Walter]

So funny, all of you who think they don't get your card number when you use contacltess.

Ha ha ha, check your reciept. The last 4 digits of your card are still printed on it as they are with normall chip and pin.

The £30 limit is placed to stop large scale fruad. How dare the banks do such a thing.

As for large companies? Do you have any idea how much it costs for the large supermarkets to replace there card readers. They'll only do it when they need replacing. Not because some jumped up little hipster wants to look like knob waving a mobile phone around. You want them all to support Apple Pay straight away. go give them a few£m to pay for it.

The number of people - all 5 of you - would never justify a totally unplanned upgrade. You'll all just have to wait till they need replacing.

Apple Pay or Google Pay is far more fff than contactless. It isn't any safer, unless you are a complete idiot - oh wait never mind.

I can't fix your silly arrogance but as to the ignorance, I can address but one fact. The "card" number printed on an Apple Pay receipt is a virtual number, not the card or account number. If it was ever breached, and this is exceedingly unlikely, it will just be replaced remotely by Apple with a new one. If your physical card is breached, or lost, which is much more likely, you will have to replace the number every where it is used (autobill).

Hahaha. He who laughs last, laughs best.
[doublepost=1464876376][/doublepost]

i would be surprised if apple would get 10% on chinese market, alipay and especially wechat pay are extremely dominant!
if i was apple, i wouldnt even dare to try to compete

In China, 10% can be significant, if not huge compared to ROW.

Don't dare to compete? That's a loser's strategy.
[doublepost=1464876453][/doublepost]

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.

Tbh, the payment processing network industry is ripe for consolidation.
[doublepost=1464876673][/doublepost]

No issues here, I find that I can seamlessly switch between Apple Pay, debit card or cash depending on the situation.

I don't get rattled much either by the challenge. But I can also walk and chew gum! ;0)

 

[pjarvi]

Meanwhile, in stores across America: "Chip Reader Out Of Order, Please Swipe". I swear, I see more "out of order" signs on chip reader terminals than people actually using them.

 

[Robert.Walter]

The battle of these systems vs traditional physical cards boil down to SPEED. If it takes far much time to use Apple Pay, it will be an epic flop. I'm yet to see any value proposition in Apple Pay over traditional cards other than it is 'new'

You suffer from a deficit of info. Look more. Look into fraud aspects.
[doublepost=1464876920][/doublepost]

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

I can't understand your thinking. You get the benefits of touch pay but more.
[doublepost=1464877082][/doublepost]

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.

Have you even tried it?
[doublepost=1464877409][/doublepost]

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.

I live in Europe. Not having to open my wallet, dip my chip, type my pin (or sign the receipt, this being for USA credit cards), having to deal with a physical receipt, reconciling the receipt against my statement (the statement indicates where I used Apple Pay so I don't have to worry about fraud on those transactions, so there is less admin burden), all together save a lot of time and increase confidence over all other methods.
[doublepost=1464877638][/doublepost]

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.

I'm not convinced the 10G$ is income to Apple. I'm rather thinking it is the aggregate value of transactions processed on Apple Pay. If so, Apple still netted 16M$, enough to subsidize the cost of Apple's Apple Pay teams.
[doublepost=1464878074][/doublepost]

Does Apple/my bank charge me to use it? I can't get a straight answer and that is a little off putting.

No charge to the merchant or you for using Apple Pay. If the bank has signed up to Apple Pay, they have agreed to pay Apple 0.0015% of their income on the transaction as a fee (really it is cheap insurance to eliminate fraud risk) but the charge is not passed on to you.
[doublepost=1464878440][/doublepost]

If it accepts contactless cards, it accepts paying with your iPhone.

Unless the merchant deliberately blocks this. The members of the stillborn CurrentC had to do this (in 2012 it made sense to sign an exclusivity contract because that was before Apple Pay and knowing CurrentC would become an abject failure and be aborted.) Some have already begun to reverse this obstacle.
[doublepost=1464878665][/doublepost]

Yes that's sort of true, there is no explicit additional charge but the retailers include their business overheads like card charegs. when they set prices

Yes the do. Even if you pay cash. Even if you pay with any less convenient or secure method than ApplePay. Don't expect this to change, that ship sailed like 30 years ago.
[doublepost=1464878986][/doublepost]

And many say the same about iPhones and Apple Watches - just look at the number of fashion show events that Cook, Ive et al attend.

Sure, this was to offset the inhibition of geek-toy factor with a design and fashion factor.
[doublepost=1464879481][/doublepost]

Apple actually charge the merchant, when your bank issues the token card number (the one in your phone) against your real card number they flag it as Apple Pay. When you use that card the bank have to pay Apple a cut, the size of the cut was the reason why it took a while to get out of the US as there are EU laws around how much a bank can charge a merchant, in the EU this % is way way way smaller than in the US and Apple wanted a really big piece of that effectively wiping out the banks profit.

There is also an EU law due which stops merchants from passing the card charges to the consumer. Travel booking services are currently the only merchants to really do this anymore.



An Apple Pay and contactless transaction are indistinguishable from each other as they both use the same EMVCo standard communication protocol. The incompatibilities come as each scheme (VISA/AMEX/etc) have implemented the standard differently and then they have different versions of their own implementation. The terminal and card both have to talk the same version (or at least the card can't be a newer version) for the transaction to work correctly.

Your first point is filled with inaccurate fail. Apple doesn't charge merchants or customers for its fee. The fee is a whopping 0.0015% of the transaction value, it is paid by the issuing bank and not charged to the customer. The delay accrues to many things, banks having to pay the fee, banks having to get certified by Apple to meeting their contract obligations, some banks not seeing the point (this changes as customers leave or charges on previously used cards begin dropping a sign customers have moved off the bank credit card) and big banks like Barclays (or retailers like Walmart) pursuing the chimeric wet dream of displacing credit cards with a proprietary payment system.

 

[timber]

You don't have to have a physical receipt (I don't since I don't like wasting paper).

What to you need to reconcile? I can open my bank app just after doing the payment and it will show up. Still, I never do that, nobody has problems with stolen card numbers. Both credit and debit cards need the PIN. I'm almost 40 and I never had to sign anything except outside some EU countries. We just don't use that.

Still I'm not saying that Apple Pay is not an improvement. It isn't just a dramatic improvement as perhaps somewhere else.

 

[Robert.Walter]

Meanwhile, in stores across America: "Chip Reader Out Of Order, Please Swipe". I swear, I see more "out of order" signs on chip reader terminals than people actually using them.

Likely due to merchant having the h/w but waiting on s/w integration or most likely certification from the slow as molasses card networks and processors.
[doublepost=1464880309][/doublepost]

You don't have to have a physical receipt (I don't since I don't like wasting paper).

What to you need to reconcile? I can open my bank app just after doing the payment and it will show up. Still, I never do that, nobody has problems with stolen card numbers. Both credit and debit cards need the PIN. I'm almost 40 and I never had to sign anything except outside some EU countries. We just don't use that.

Still I'm not saying that Apple Pay is not an improvement. It isn't just a dramatic improvement as perhaps somewhere else.

Because the USA credit card industry was so greedy as to want to earn .05$ vs .03$ in a chip+sign transaction vs a chip+pin transaction, they have pushed c+s cards in the big transition off mag strips. So If you use a USA based credit card then over a given limit you have to sign regardless of where you use it.

Nobody has problems with stolen card numbers? The skimming "industry" is in the 10's of billions annually. Losses from skimming European card data happen by crooks transmitting it to the USA for coding onto mag stripe cards and then making big ticket purchases and then selling for pennies in the dollar (used to involve attempted returns for cash but this avenue has been reduced by credit on store cards, which in turn are sold for pennies on the dollar.)

 

[timber]

Nobody has problems with stolen cards as a result of the paying mechanism at retail. Nobody takes the card away from you and copying both the card and the PIN requires some work. The only problems I am aware off are adulterated ATM machines that clone your card and at the same time film or record in some way the pin insertion process.

Of course databases may be hacked and cracked and stolen and everything else as anywhere around the world.

Still the best way for Apple to speed Apple Pay around Europe would be to... start by really launching it.

 

[dontwalkhand]

Has nothing to do with bait articles. The USA is 5 - 10 years behind the rest of the world. We've had Chip and Pin machines for almost 15 years, Contacltess started 10 years ago. Apple Pay just doesn't matter in the rest of the world.

Do not know about the rest of the world, but in the UK almost all new cards issued for anything are contactless now. From Library Cards to Bus Passes.

The funny thing is that our bus passes were contactless way before credit cards.

 

[tmiw]

I specifically asked for a non RFC variant (I'm concerned about RF skimming when in my pocket); the Amex person told me they don't issue RF cards any more. IDK if this is true, but if it is and is trend, then conventional tap to pay may fade away.

Most banks don't issue RFID/contactless cards anymore but AmEx still does. You have to explicitly request a "chip plus contactless" card though to get the tap feature from them since the cards come without it by default.

Because the USA credit card industry was so greedy as to want to earn .05$ vs .03$ in a chip+sign transaction vs a chip+pin transaction, they have pushed c+s cards in the big transition off mag strips. So If you use a USA based credit card then over a given limit you have to sign regardless of where you use it.

The fee difference is for debit cards. Credit cards cost the merchant the same regardless of whether PIN or signature is used.

 

[dontwalkhand]

Good points, thanks. I guess a few seconds just doesn't seem all that slow, so I'm fine either way. The privacy thing is good though.



Maybe I'm just not paying close enough attention, but it never seemed that slow to me (most places... some of the little shops with the handheld wireless units can be quite slow).



Yes, that's a benefit.



Ahh, maybe more a credit-card thing. I hardly ever use a credit card, and I only have one debit card I usually have to deal with, so that part is pretty simple... and there's no signing. Worst case, I put the chip in the slot and enter a pin. But, it's pretty easy and fast. But, yes, the tokenized/anonymous aspect is a benefit.

That's because chip readers in the US are notoriously slow. Canada and other countries have fast chips. I read that it could be due to our debit card system requiring multiple applications on the chip. That being said Walgreens and Walmart have fast chip readers. CVS is ungodly slow.

 

[rols]

Just got it in Singapore. Striving to use it at least once a day. Hope to see it supported in more places.

Where are you supposed to use it in NTUC, or Cold Storage? There's one vaguely possible looking point which has a 'counter code' on it for use with iPhone. I tried yesterday and just ended up holding up the line as the cashier tried to work out who was supposed to put what counter code in where. We used the card in the end and everyone behind me breathed a sigh of relief.

Problem here is that there are far too many contactless payment methods have come and gone in the last 10 years, there's Visa PayWave, CEPAS, various iterations of FlashPay, about 5 different things NETS has done, some supported by your bank card, some supported by 3 stores in Singapore, some not really supported at all. The net effect is that they are rarely used as nobody wants to be the idiot flashing their wallet at the three different terminals attached to the till.

 

[Alith]

Everywhere in London (and most of the UK) uses contactless. Even the black cabs are being forced to use it from September.

The problem isn't with its implementation, which is flawless and game changing on my Apple Watch. The problem is that nobody knows what it is or why they should use it. People still regard me using my watch to quickly use the tube, pay for coffee, etc, as witchcraft.

Santander have an advert on telly with Jessica Ennis using her phone to pay for coffee. It's not very clear what she's doing. They need her using a watch and they need close-ups showing how double-click easy it is to pay. They need her doing the witchcraft thing on primetime telly.

Apple Pay is the biggest selling point of the watch in this country imo and neither Apple nor the banks are advertising it hard enough.

 

[macsmurf]

Anybody paying today with a debit card is doing it wrong (due to security issues). POS terminals have been proven insecure (by a mountain of breaches). Even though you will likely get back all or most of whatever money is pulled from your bank account by a skimmer/ scanner/ scammer, why subject yourself to potential risk, loss or hassle?

Even if you don't go for ApplePay, do yourself and get a credit card. If you pay the balance each month you are much safer and get loyalty kickbacks rewards as well.

The actual risk is negligible.
Source: http://www.techradar.com/news/phone...-contactless-card-through-your-pocket-1315231

 

[big-ted]

Rushed out this morning and managed to forget my wallet due to being late, only to start the car to find the fuel gauge needle wrapped around empty. Used my watch to pay for the petrol, then later to pay for lunch and no doubt after work to buy something to snack on later. Never use my contactless cards now if the amount is under £30 and the terminal accepts my watch

 

[ayresm]

I use Apple Pay in London about 80% of the time now - most places here accept accept it. But I have four frustrations:

1.) The £30 EU limit.
2.) The fact that Amex cards (while accepted as chip+pin) don't work if using contactless / apple pay at the majority of tills. It's a hassle to have it fail, then need to retry with the actual card.
3.) I've been double charged a few times - normally when buying petrol and the payment going hrough but the conputer saying it failed.
4. Double tapping the home button is actuallt quite frustrating as i probbly unlock my phone 50% of the time unintentionally.