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I guess a UK user in the USA wouldn't be limited to £20?

The terminals wouldn't block it but if this is a bank rule, I think you'd still be limited. Also, I didn't have any problems using Apple Pay at contactless terminals in Paris & Amsterdam. Didn't try it Brussels. I assume as long as the terminal is able to take contactless payments, it will accept ApplePay regardless of country.
 
My UK card has worked perfectly in the UK. I'm in the USA on holiday and Nationwide and Amex have failed every single time.
 
Keep in mind some banks require you to advise them when you'll be abroad so they allow your card to be used. I have to log into my HSBC online banking and choose the exact dates I'll be abroad otherwise they block my card.

I went on a cruise last year and had to put the exact dates I'd be in every country we would be docking at before we left the UK. I can only assume the same would apply for Apple Pay transactions.
 
My UK card has worked perfectly in the UK. I'm in the USA on holiday and Nationwide and Amex have failed every single time.

what nationwide card do you have? I used my select credit card in Hong Kong earlier in the week with apple pay.
 
What about in other countries that have contactless but not Apple Pay. Say, Italy?
Right at the beginning of the roll-out in the US, some US users were able to pay with ApplePay in Europe. I think the primary requirements are that (1) your credit card is issued in a country that supports ApplePay, (2) your credit card issuer supports ApplePay, (3) the retailer supports NFC payments. The retailer still can probably either white- or blacklist which NFC-payment provider it accepts or doesn't accept but that is not really a technical issue but up to the discretion of the retailer.
 
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