Apple Pay
ozz
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Apple Pay has now launched in the UK, the option having appeared in the Passbook app this morning. Successfully added my NatWest card so time to cause mayhem in M&S!!
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ozz
Posts: 825 ozz
Posts: 825
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What happens if you have no money in your account and use Apple Pay.
Treat Apple Pay same as your contactless debit/credit card. You enter you card details in the phone but when paying instead of getting your card out you get your phone out. I will presume if you have no money, your card will be declined then it will be the same on ApplePay as it is basically same as your card.
So it won't be as quick at authorisation as normal contactless then if it has to contact the bank?
I've used a Bpay wristband for the last six months and never been prompted for a PIN. guessing there's a switch somewhere that says some devices are PINless.
I see it being useful in conjunction with a watch, but don't see the advantage of getting your expensive phone out versus getting your wallet out.
(blah blah blah security. If someone was to steal my contactless card or bpay what are they going to do? Go on a mass spending spree of under £20 a transaction at Gregg's and Boots? Not a concern)
Anyway, used ApplePay and the phone said 'done' but the McDonalds till didn't register anything. Did it again and it says need to verify with pin. Ended up using chip and pin with the card.
Have to check whether I have been double charged.
Personally it's a gimmick to me. No different getting my phone out compare to card. Probably quicker with card as that doesn't need finger print.
There's a setup process you need to follow:
https://support.apple.com/en-gb/HT204506
Why do you have to select United States as your region when my card is showing up in my passbook on my phone?
Greggs:
"One sausage roll please, I'll pay by contactless"
"You need to spend at least £5 to pay by card"
"But... the idea is it's for small transactions instead of cash, I'm pretty sure the minimum payment is just normal card transactions"
".....?"
(queue behind grows and tutting can be heard)
"Never mind, I'll pay by cash."
99% of other places:
>see contactless symbol indicating it's available
>present card
>machine beeps and says something like "please only present one card at a time" or declines in some other way
>till staff looks at me like I'm one of those people who tries to move a mouse cursor by holding the mouse up to the screen and politely points at the slot where the card is "supposed" to go
>fine I'll do it the old fashioned way
>machine says "please use magnetic stripe" because I've already confused it and now it's basically in fallback mode
>till staff can't do it the swipe-and-sign way and has to completely abandon the transaction and restart from square 1, re-scanning my item(s)
>queue behind grows and tutting can be heard
>give up and pay with chip and PIN.
The only time it works smoothly is in M&S
I expect the same with Apple Pay...
You don't. It says US or UK.
Passbook and Apple Pay has suddenly appeared on my watch. They must have just updated it. Thanks.
One of the problems is many places explicitly need the cashier to press the 'pay by contactless' option on the till.
so instead of
Cashier - "That'll be £4.30 please"
Me - *press contactless option*
Me - "bye"
its
Cashier - "That'll be £4.30 please"
Me - *check contactless reader- its not active yet*
Me - "Can I pay by contactless please"
Cashier - "mmm...ok"
Cashier - *presses till button for card payment*
*till button also prompts for cashback option even though its not available on contactless*
Cashier - *presses "no cashback"*
Me - *check contactless reader again.... waits*
Me - "ah there we go"
*press contactless option*
"bye"
Used it again this morning at half 9, worked fine.
Fast and simple.
This is true. It is like at Wilko I will need to tell the cashier I'm paying contactless then he/she will press a button on the till to switch the card machine from chip & pin to accept contactless. Why??? I just use chip & pin instead.
Not doing it here. Maybe it's a jailbreak thing.
Slightly pointless for me until the transaction limit is lifted, because my card is already contactless. But good for those whose banks are part of the launch but don't necessarily have contactless cards yet (such as a lot of Nationwide customers).
I've never been asked for my PIN when using contactless.
Does it automatically appear from sleep mode when you hold your phone over the terminal?
That's introduced with iOS 9. It won't work on earlier iOS versions.