I can't say i wouldn't be happy to see it, but Apple Pay have zero tolerance for me
Give me the plastic any-day.
I won't be upgrading. just to use this in stores.. i like my iPhone 5s.....
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Job Listing Confirms Apple Pay Expansion is Underway, Led by London Team
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I can't say i wouldn't be happy to see it, but Apple Pay have zero tolerance for me
Give me the plastic any-day.
I won't be upgrading. just to use this in stores.. i like my iPhone 5s.....
There's still a few large retailers who don't accept it yet. I'm sure ASDA don't. The company I work for were one of the first to install them, alongside McDonalds and Pret A Manger.
This is completely untrue.
There is Visa PayWave, MasterCard PayPass and Interac Flash
All NFC hardware will support any of these.
Source: I work with Chase Paymentech and am very familiar with the hardware and its capabilities.
Personally I much prefer contactless and use it at every opportunity. Here in The City (London) a lot of places do take it.
One of the problems is that it's not always obvious if it's available (some readers only hint at it - others don't mention it at all) - and too frequently the readers are not working. So I imagine many people just ignore it because it seems like more hassle working out if it can be used than just sticking the card in a reader and typing in a pin.
But contactless is not just about saving a bit of time. I find my cards wear down quite quickly when I'm pushing them into readers frequently - they last a lot longer these days.
And sometimes I can use my card without even taking it out of my iPhone wallet case (the 12 South SurfacePad) - it feels like Apple Pay already
(I only have one card in that wallet - so no ambiguity... yet).
Contactless is used a lot by people I know / work with but mainly in places like Starbucks... I think a lot of the problem is that because it is essentially an unverified transaction - no pin or signature required - there is currently a £20 transaction limit on contactless payments which renders it effectively useless for a lot of purchases.
I use my contactless barclaycard quite often in the campus cafe as there is a minimum spend of £5 for chip and pin but no minimum for contactless and I'm often just getting a £2.50 sandwich.
I'm hoping that with Apple pay the touch id security element of it will remove this maximum transaction value limit or at least increase it significantly.
Actually I was told otherwise. Visa uses one type of terminal company and MC uses another and at the Staples I wasn't able to use the tap feature with my Visa as it would only accept tap payment from MC. I was able to use my Visa at Indigo.
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I'm talking about those tap terminals where you simply tap your card and the payment goes through. I was not able to do so at the Staples as they told me their system only accepted tap payments from MC.
I reckon its a bit like the self checkout tills. Nervous at first but once tried hard to go back.
I use contact less to buy a pint in the pub. This is its best use to reduce bar waiting times. Can't wait for Apple Pay in the UK for that reason alone
That's because the amount for contactless payments is limited to just £20. Hence useless in at least half people's transactions being over that amount – meaning people just forget they don't need to chip+pin, instead just automatically shoving their card in the machine and pin-ing, without a second thought they didn't have to.
I'll be using it as soon as it's released that's for sure! NO MORE WALLET PLEASE APPLE! (well, maybe when those pesky small membership/library cards can get into Passbook, instead of just the large brands like airlines.
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Another reason I'm glad I can't upgrade until next September. Hopefully by then Apple Pay will have launched in the UK.
That + apps will be optimised for the bigger screen by then, and there will be a new, faster iPhone as well.
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People don't know their cards have contactless payment, though. Not all shops support it.
Also, there's a limit - not sure what it is, but I personally just assume I can't use contactless for payments over £10.
Trying to pay for the bus is a pain using contactless - I tried it, and an inspector tried to read my card but said it looked like I hadn't paid.
If Apple Pay can solve 2/3 of these ill be a very happy customer
That + apps will be optimised for the bigger screen by then, and there will be a new, faster iPhone as well.
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People don't know their cards have contactless payment, though. Not all shops support it.
Also, there's a limit - not sure what it is, but I personally just assume I can't use contactless for payments over £10.
Trying to pay for the bus is a pain using contactless - I tried it, and an inspector tried to read my card but said it looked like I hadn't paid.
If Apple Pay can solve 2/3 of these ill be a very happy customer
I use contactless all the time when the payment is less than £20 - so long as the retailers support Apple Pay for greater amounts I see no problem.
I'm convinced that's the reason, the only place I've seen actively promoting that they take contactless payments is the local McDonalds Drive-in, and that's a sign tacked on to the menu/price list board, literally at the bottom, 3 or 4 inches off the ground.
Since the launch of Apple Pay, I've been looking at the scanners at the tills, and most of them seem to have the contactless symbol, but you'd never know you can use it, there's no promotional stuff for it.
MY local Tesco issue contactless cards via their own brand bank, but don't accept them at the tills. I suppose that is more to do with the limit of £20, as virtually everyone spends more that £20, making the installation pointless. If fingerprint verification removes the limit, combined with a decent promotional push, it could take off in a big way here.
Most people are already set up with contactless, they just don't know how to use it.
I doubt it.
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Currently the terminals themselves are limited usually to £20. Which is quite reasonable because you can use them with a stolen card and nothing else. They'll have to change that in their terminals, so that Apple Pay has a more appropriate limit. After all, you can't steal my iPhone and use it to pay so with Apple Pay, it is much much more safe to say that it is the actual holder of the credit or debit card account who is paying, or someone with their permission.
Job Listing Confirms Apple Pay Expansion is Underway, Led by London Team
The weird thing is, is that here in the U.S. Currently the "tap" type terminals are rarely found. I think mcdonalds is the most consistent. Chip and pin has NEVER been a thing here ever. Also I know of no banks around here that offer credit or debit cards with NFC chips in them. And despite all these technologies available I have NEVER EVER EVER seen or heard of anyone actually using any of the said methods other than the typical swipe your card and either sign or put a PIN number in. I tried to setup Apple pay on my phone with my debit card issued from a major US bank and it told me Apple pay is not available for my bank. This all sounds cool and hearing people from other countries talk about it sounds futuristic but the fact here in the US is that none of this is being supported or used by the common mainstream consumer.... And yet this is where Apple is testing this all out? In a country that has yet to adopt these things? Heck I've never seen or heard of anyone actually using NFC for anything other than wireless charging. I just asked my good friend and he too couldn't use his bank debit card with Apple Pay. Like I said it sounds great and all but the US is ready for this as a common mainstream thing yet.
The weird thing is, is that here in the U.S. Currently the "tap" type terminals are rarely found. I think mcdonalds is the most consistent. Chip and pin has NEVER been a thing here ever. Also I know of no banks around here that offer credit or debit cards with NFC chips in them. And despite all these technologies available I have NEVER EVER EVER seen or heard of anyone actually using any of the said methods other than the typical swipe your card and either sign or put a PIN number in. I tried to setup Apple pay on my phone with my debit card issued from a major US bank and it told me Apple pay is not available for my bank. This all sounds cool and hearing people from other countries talk about it sounds futuristic but the fact here in the US is that none of this is being supported or used by the common mainstream consumer.... And yet this is where Apple is testing this all out? In a country that has yet to adopt these things? Heck I've never seen or heard of anyone actually using NFC for anything other than wireless charging. I just asked my good friend and he too couldn't use his bank debit card with Apple Pay. Like I said it sounds great and all but the US is ready for this as a common mainstream thing yet.
Surely the presence of the contactless symbol is indication that you can use it? What other information is needed? Of course this only applies if the customer knows what contactless is in the first place.
My local Tesco Superstore is the same in that they don't accept contactless. This is despite the infrastructure being present - they have updated the chip and pin terminals to contactless capable ones: http://www.ingenico.co.uk/en/products/payment-terminals/retail-pin-pads/ipp300-series/.
The Tesco Metro a little further away does accept contactless so not sure what the delay is. Nothing to do with the installation but maybe you're rigt about the £20 limit.
Sainsbury's and Asda use the same terminals so again, are ready for contactless but just not turned it on yet.
Wait...what? I've been using this since arriving in Australia last weekend. No problems at all. US (Verizon) iPhone 6, but with Vodafone sim in while here.
You guys seriously aren't able to use Apple Pay here? Am I missing something?
All the Apple Pay setup screens for adding cards etc are restricted and hidden unless you have your Region set to United States.
I think there is also some verification process done when you add a card that phones home to make sure it is supported, so even if you fiddle with the region settings to see the screens you still can't add a card from a non supported bank.
Perhaps a sticker on the door, saying "Contactless Payments Accepted Here" (They don't have a problem plastering the door with 'PayPoint' and UKash stickers promoting the availability of the service) or some kind of promotional notice actually by the reader.
My local Co-op has had contactless available for sometime, I had no idea, as the only indication is the symbol on the CC reader screen. Virtually all my dealings with them are sub- £20, yet it's always been cash, and I've often had to withdraw £20 from their ATM to spend in the shop, simply because I didn't know I could use contactless with them. Now I know about it, it's a much easier job spending my money with them.
I'm interested in this sort of stuff and it took me ages to find out they accepted it, the average shopper has no chance unless its advertised properly. Letting people know its available is the key to the success of such a facility.
I actively look for the contactless symbol when I go into a shop so I suppose that's why I feel even a small symbol is adequate.
However I do agree completely with what you are saying here. My parents, for example, know what contactless is and know that they have capable cards but wouldn't know what to look for when they got to the shop.
I tried using Pay at Office Max last night and the transaction was denied. After I paid another way the guy behind the register asked if I was trying to pay by phone. I said yes. He laughed a bit and said 'maybe we'll update our software some day to support this'. Stupid Office Max.
People having trouble telling if a shop can take contactless, what I do is say "Can I pay with contactless?" once I'm told the price of my purchase. The cashier is then able to tell me.
Self service machines have a button for it, I've never had an issue.
Self service machines have a button for it, I've never had an issue.
I don't know about pointless, cos there's still the added security element, but yeah, they need to make it easier.
I think Apple's strategy is actually the opposite of what everyone thinks it is - expand to the places where they're currently using insecure payment methods, because that's where they have the potential to be the only secure player and thus could become dominant.
They're not interested in places where NFC is already normal - they'll be just another NFC player in those places. But in the US and countries where NFC isn't already normal, they could become first, and so become dominant in the market.
From there, they then expand into the countries where NFC is already common and hope that their clout from other countries where they're dominant lets them dominate the markets where they weren't the first NFC player.
But not Canada. Once again Apple ignores their closest neighbours.
They have to weigh the possible revenue based on the potential subscriber base against the effort.
35 million people live in Canada. The population of every larger european country is bigger than that. There's 60 million people in Italy, 80 million in Germany, 66 million in France. 64 million in the UK. So why should Apple prefer Canada just because it's closer? Trust me, even if Canada were on the other side of the planet, Apple execs could hear the whining coming from all the Canadians in this thread who think they deserve preferred treatment. Proximity is not a requirement for that.