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UK Apple Pay Possibly Being announced Monday
- Thread starter ZeChild
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Apple Pay will work with all existing contactless terminals in the UK. It's the same standard.
The States skipped chip and pin. They have recently started moving to the latest gen terminals which includes both C&P and NFC.
I understand there are some back-end changes are needed to support Apple Pay in bulk, but the retailer network shouldn't need any special changes where Contactless is already accepted.
I'm interested to hear that people are already using Apple Pay on the underground, as temporary card credentials seem to be generated every time for Apple Pay transactions? I would have thought this more challenging in terms of matching up entry and exit swipes on the Tube.
I understand there are some back-end changes are needed to support Apple Pay in bulk, but the retailer network shouldn't need any special changes where Contactless is already accepted.
I'm interested to hear that people are already using Apple Pay on the underground, as temporary card credentials seem to be generated every time for Apple Pay transactions? I would have thought this more challenging in terms of matching up entry and exit swipes on the Tube.
The main issue the UK banks have is the amount of information that is harvested by Apple when using Apple pay.
The main issue is the UK data protection laws. My wife is working on it for a large Uk bank and says they are still a bit away yet from launch. It was supposed to launch in March in the Uk but all the issues have put it back.
The main issue is the UK data protection laws. My wife is working on it for a large Uk bank and says they are still a bit away yet from launch. It was supposed to launch in March in the Uk but all the issues have put it back.
Apple pay would be cool but here in Canada we have contactless payments using debit card anyways. I just keep my card in my iPhone sleeve and basically pay using my iPhone lol. It's probably even quicker than having to select your debit card from your watch app and pay via apple pay.
I actually think 2% is pretty high for a new payment method that requires one of two specific models of phone that aren't yet 12 months old.
Not sure there will be a limit. Currently the limit's there due to the fact you don't have any form of 2 factor ID, right now contactless doesn't require you to enter your PIN on most purchases but with apple pay it will require you to use the fingerprint sensor on the iPhone and for the apple watch to be physically attached to your arm.
Can see your point to an extent, however apple pay is far more secure than Chip & Pin for transactions as no one can see you enter a PIN and the fact it doesn't provide the terminal with your Debit/Credit card number instead it uses a randomly generated key for the payment.
I think adoption may be slow to start but it will pick up over time. also the banks will promote it as any higher level of security in card transactions is a win from their point of view as card fraud is one of their biggest headaches.
Isn't that just the percentage of Whole Foods payments done by Apple Pay? Percentage of all payments is much smaller. Bigger numbers quoted are usually only about mobile payment methods.
I'm gonna bold this response, only since we see this myth repeated so much:
The token account number used in Apple Pay does NOT change every transaction. It stays the same for any device until/unless you remove it for some reason. The numbers that change are the authorization cryptograms that are sent with it... same as with chip & PIN.
Therefore, yes, Apple Pay works just fine for TfL swipes, because the "account number" stays the same.
(This is also why store returns work. Because the token number will still match the purchase token number. That is, as long as you bring back the same Apple Pay device that has not had its cards reset. )
Yes, that and the extortion fee Apple wants. Most phone makers provide NFC hardware for free, and the tokenization is done by the code created by the credit card brands. So while Apple might deserve a small fee for their part in each card registration, purchases have nothing to do with Apple servers.
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This can't be true. After waiting for years for iTunes Radio in UK, sorry, but I can't belive this is posible so soon. Probably in 2025. I am a pesimist, as Apple always charges more in UK, but delivers less.
I really hope this rumour is true. Looking forward to paying for things with my watch. I despise carrying cash with me and always use my card to pay for things. I rarely have cash in my purse. So for me this would be even better for me.
I thought part of the Apple Pay process, was that Apple specifically said they don't harvest any info about what you buy?
I'm sure it was one of the points Tim Cook made at the keynote.
[Edit] - Found it:
Apple said:
https://support.apple.com/en-gb/HT203027
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