The only problem with apply pay (or card payments in general) is it's too easy to spend money ! Glad to see it's supported well enough now though, especially in the supermarket. Shame many cash machines still don't have (and will probably never get) contactless because cash isn't going anywhere. Apple Pay and android pay will likely replace the plastic card as we know it but cash is like what pen and paper is to the iPad and stylus.
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Most U.K. Apple Pay Terminals Now Support Transactions Above £30
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Unfortunately, this isn't 100% the case, at least here in America.
Places like my local Exxon stations, you'd never have known they accepted contactless unless you tried. They do, but the terminal only says to insert or swipe. No mention of tapping, and no contactless symbol shown. But if you tap, it works.
There are plenty of other places reported doing the same thing in the Apple Pay Wiki here on the forum.
I suspect that Apple Pay working is only coincidental and that the vast majority of stores don't actually support it officially. It wouldn't be a good idea to have anything on the terminal right now anyway since most foreign cards will not work on most US terminals when tapped.
Eh, not quite. A lot of cashiers will see that the transaction is above £30 and won't activate contactless payment, believing that Apple Pay is limited.
I did say it was an acutely British embarrassment when a payment fails.
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That app doesn't distinguish between places that have a £30 cap and places which are limitless for Apple Pay.
Remember, it's not just a case of whether a shop displays the contactless symbol: it does that for regular contactless cards that have a limit due to a lack of biometric authentication.
Yeah, I suppose. My experience is probably skewed by the fact that I live in London, where just about every conceivable point of sale has contactless and the majority of those are limitless with Apple Pay. My iPhone and Apple Watch have been my primary modes of payment for a good while now and it's got to the point where if I can't use them, it's actually a surprise.
The situation is different outside the M25 though.
Interesting as I've tried Ikea a couple of times and it was declined as over £30. Must try again next time I'm there.
I think they've only recently changed it. Last year I went and it wouldn't allow it over £30 but just a few weeks ago I went and spent £50+ with no issues.
Well, that's not what I would call contactless
It's not about Apple Pay, it's about the terminal. Contactless is inherently unsafe - I can pull the card out of your pocket and use it with no problems, that's why there is a low limit. Apple Pay is always safer (because I'd need your phone plus finger print or passcode). The question is if the terminal understands it or not. If the terminal understands it then your limit is higher. If the terminal doesn't understand it than it takes the contactless card limit.
That's true, but it's important to remember that using contactless for small transactions is actually safer than entering a PIN, which potentially discloses it to fraudsters. Once someone has your PIN, by shoulder surfing or whatever, they can then steal your card and drain your account at an ATM up to it's daily limit. This actually happened once to my girlfriend at a pub in London!
On the other hand, steal a contactless card and the most they can get away with is a few £30 transactions.
Well one retailer who doesn't offer Apple Pay >£30 is Pandora.
They have the decal on their terminal splash screen so asked if they were HVP.
Cashier wasn't sure so tried it and no, capped at £30.
They have the decal on their terminal splash screen so asked if they were HVP.
Cashier wasn't sure so tried it and no, capped at £30.
How often do you actually use cash though? When I lived in the UK, I very rarely used cash, probably about once a year, if that and I moved to Canada last year and literally haven't used cash once since I got here.
yeah very little when in the UK if i'm honest, but i always carry some. It can also be a good way of budgeting. In Spain contactless is just as prevalent as the UK but I find myself using cash more as I more than often go to smaller businesses, and they prefer it.
Tried this today in my local Aldi using my Watch and it took payment for £90 no problem. Cashier had no idea the limit had been raised but was happy to let me try.