When will NFC Contactless Payment be available?

Mark in Essex · 01-09-2015, 14:00

Quote:

It would be great to tap n pay with my mobile phone. Ive been waiting since April 2013 for this to be enabled on my Samsung Galaxy S4. Pretty sure there was some Samsung marketing that alluded to this feature being enabled soon.

As far as l am aware it is only possible to do this with Orange.

I know - been waiting since 2012 (2nd post in this thread) to be able to pay with my S3 (now got a S5).

alanwarwic · 01-09-2015, 14:09

I got a new bank card a or so week ago, meaning I'm in the 4th year of using NFC.

I suppose it would be useful, but when not carrying cash, at the moment contactless acceptance is simply too low to be left to chance.

kidspud · 01-09-2015, 14:10

Quote:

Originally Posted by alanwarwic

I showed my age when once referring to that guy as the 'man from Del Monte' (likes to say Yes) but that is exactly how it is, he always 'corrects my inaccuracies' by illuding.

And BTW I used the term Apple Pay NFC to differentiate from the less common full Apple Pay supported systems. I see Apple Pay as an entity itself.

The limit is set by the banks, the terminals are updated to enforce the banks limits. The banks do not enforce a limit with Apple Pay due to its security.

As for you using the made up term 'Apple Pay NFC', it's just another example of your silly obsessive anti-Apple nonsense you post, but don't let stiggles put you off, it's comedy gold for the rest of us

kidspud · 01-09-2015, 14:11

Quote:

Originally Posted by alanwarwic

I got a new bank card a or so week ago, meaning I'm in the 4th year of using NFC.

I suppose it would be useful, but when not carrying cash, at the moment contactless acceptance is simply too low to be left to chance.

Except you could just use chip and pin

alanwarwic · 01-09-2015, 14:13

Meaning Im not really bothered having it on my phone.

That only gives half a solution.

kidspud · 01-09-2015, 14:45

Quote:

Originally Posted by alanwarwic

Meaning Im not really bothered having it on my phone.

That only gives half a solution.

See, sometimes we can actually agree.

As far as I'm concerned all the while payment limits exist, I don't really see the point of it as I will always need a card.

However, Apple (and soon Samsung) have solved that issue, the terminals will not take long to catch up as shops like making it easy to spend money.

IslandNiles · 01-09-2015, 15:22

Quote:

Originally Posted by Stiggles

Asda, sainsburys and tesco here do. In fact i cant recall in the last year being somewhere that doesn't accept it now.

You're doing well there! I wish the supermarkets round here had contactless, but none of them have implemented it yet. Tesco's self service checkouts have had a 'contactless card' option on the screen for two years now, yet I've never been in a branch outside London that's had contactless terminals.

There was just a report on the news that said the average transaction value in supermarkets is £25, and that the increase in the limit might prompt them to upgrade their terminals.

alanwarwic · 01-09-2015, 16:01

Alludimating stuff

In the still rare case that Apple Pay is fully facilitated, will it allow a transaction above £30 without a fully working data connection?

Helix · 01-09-2015, 16:57

Quote:

Originally Posted by alanwarwic

Alludimating stuff

In the still rare case that Apple Pay is fully facilitated, will it allow a transaction above £30 without a fully working data connection?

Yes, there is no need for a data connection for Apple Pay. All the authentication is done on the device itself after initial setup, the card reader instore will authorise the payment with the bank the same as if a chip and pin transaction had taken place.

kidspud · 01-09-2015, 17:07

Quote:

Originally Posted by alanwarwic

Alludimating stuff

In the still rare case that Apple Pay is fully facilitated, will it allow a transaction above £30 without a fully working data connection?

Are you making up words now?

Although it is not widespread, the capability is there. I would have thought with your 'interest' in technology you would appreciate the step forward.

You've had it answered. No data connection is required.

noise747 · 01-09-2015, 17:39

Quote:

Originally Posted by kidspud

The raised limit might encourage the likes of Tesco to start accepting it, as it moves it above their average customer spend.

May do,

Quote:

Originally Posted by Stiggles

Asda, sainsburys and tesco here do. In fact i cant recall in the last year being somewhere that doesn't accept it now.

Tesco here seems to have got the software as it is on their system by greyed out, but they still got old readers, Sainsburys got nice new shiny readers, but not the software.
Asda did not have any, but saying that I have only been in our Asda 3 times since it opened, so it may have changed. I know that they did not accept them a few weeks back as a mate of mine was moaning about it.

noise747 · 01-09-2015, 17:41

Quote:

Originally Posted by Stig

Why did you bump a 2012 thread when there are much newer ones?

Not that you will see this as I am on your ignore list, but i did not, alanwarwic did.

I have never ever put anyone on the ignore list even if I feel like doing it to some people.

noise747 · 01-09-2015, 17:51

Quote:

Originally Posted by alanwarwic

I got a new bank card a or so week ago, meaning I'm in the 4th year of using NFC.

I suppose it would be useful, but when not carrying cash, at the moment contactless acceptance is simply too low to be left to chance.

Going out without cash here is almost impossible, unless you are just going to go to a local supermarket and go back home.
Went into town on Saturday, needed cash for a smoothie and needed cash to get back home on the bus, I walked into town.

Friday I did a bigish shop at work, i needed cash for the taxi.
I think some people forget that some of us live outside the big cities.

alanwarwic · 15-10-2015, 15:33

A couple of weeks ago, en-route home I popped into a local shop for a paper. With no cash, spotting the contactless sign I asked if it was OK and they said '50p charge for cards'.
I suggested contactless is meant to be free and they relented on that. Im not sure if thhey were trying it on or simply preferring cash.
http://www.pymnts.com/news/2015/the-...payments-myth/

A very interesting read, and showing why supermarkets were not too bothered about NFC.
It is fascinating how mobile payments have actually helped developing countries like Kenya.

-GONZO- · 15-10-2015, 16:02

Quote:

Originally Posted by alanwarwic

A couple of weeks ago, en-route home I popped into a local shop for a paper. With no cash, spotting the contactless sign I asked if it was OK and they said '50p charge for cards'.
I suggested contactless is meant to be free and they relented on that. Im not sure if thhey were trying it on or simply preferring cash.

Contactless is still treated as a card payment, in smaller shops they usually have a minimum spend on free card payments otherwise there's a charge if under.

de525ma · 15-10-2015, 16:18

Though disproportionate charges for debit/credit card use are supposed to be banned.

Debit card cost is usually 8-20p per transaction. Credit cards around 0.8%.

So charging you 50p for NFC debit is actually profiteering...

My name's Scott · 16-10-2015, 02:19

How dare a business profit *snigger*

tdenson · 16-10-2015, 18:43

Quote:

Originally Posted by My name's Scott

How dare a business profit *snigger*

But profiteering implies unseemly profit - what many on here accuse Apple of

BKM · 16-10-2015, 21:50

Quote:

Originally Posted by -GONZO-

Contactless is still treated as a card payment, in smaller shops they usually have a minimum spend on free card payments otherwise there's a charge if under.

Are you sure? Greggs, for example, push contactless very hard for typically low cost bread, cakes etc.

moox · 16-10-2015, 21:51

Quote:

Originally Posted by BKM

Are you sure? Greggs, for example, push contactless very hard for typically low cost bread, cakes etc.

Greggs probably has enough volume to get a good deal out of their card processor. Small shops with one or two terminals get ripped off

tdenson · 17-10-2015, 13:25

My family has a small shop and we use WorldPay as our credit card processor. I have just installed contactless and we get charged the same for card or contactless. Seems a bit unfair, but I guess the cost to them of both types of transactions is much the same - and I suspect a large part of the reason for the charge is underwriting potential losses (fraud etc.) which are common to both types of payment.

kidspud · 18-10-2015, 07:01

Quote:

Originally Posted by tdenson

My family has a small shop and we use WorldPay as our credit card processor. I have just installed contactless and we get charged the same for card or contactless. Seems a bit unfair, but I guess the cost to them of both types of transactions is much the same - and I suspect a large part of the reason for the charge is underwriting potential losses (fraud etc.) which are common to both types of payment.

I think that is slightly unusual. I know a couple of people who have contactless installed and for lower value transactions (below £15 i think), they pay a slightly lower rate than chip and pin.

01-09-2015, 14:00	#126
Mark in Essex Forum Member Join Date: Mar 2005 Posts: 3,644	Quote: Originally Posted by red_g00ner It would be great to tap n pay with my mobile phone. Ive been waiting since April 2013 for this to be enabled on my Samsung Galaxy S4. Pretty sure there was some Samsung marketing that alluded to this feature being enabled soon. As far as l am aware it is only possible to do this with Orange. I know - been waiting since 2012 (2nd post in this thread) to be able to pay with my S3 (now got a S5).

01-09-2015, 14:09	#127
alanwarwic Forum Member Join Date: Oct 2003 Location: the wild world web Posts: 28,132	I got a new bank card a or so week ago, meaning I'm in the 4th year of using NFC. I suppose it would be useful, but when not carrying cash, at the moment contactless acceptance is simply too low to be left to chance.

01-09-2015, 14:10	#128
kidspud Forum Member Join Date: May 2010 Posts: 11,501	Quote: Originally Posted by alanwarwic I showed my age when once referring to that guy as the 'man from Del Monte' (likes to say Yes) but that is exactly how it is, he always 'corrects my inaccuracies' by illuding. And BTW I used the term Apple Pay NFC to differentiate from the less common full Apple Pay supported systems. I see Apple Pay as an entity itself. The limit is set by the banks, the terminals are updated to enforce the banks limits. The banks do not enforce a limit with Apple Pay due to its security. As for you using the made up term 'Apple Pay NFC', it's just another example of your silly obsessive anti-Apple nonsense you post, but don't let stiggles put you off, it's comedy gold for the rest of us

01-09-2015, 14:11	#129
kidspud Forum Member Join Date: May 2010 Posts: 11,501	Quote: Originally Posted by alanwarwic I got a new bank card a or so week ago, meaning I'm in the 4th year of using NFC. I suppose it would be useful, but when not carrying cash, at the moment contactless acceptance is simply too low to be left to chance. Except you could just use chip and pin

01-09-2015, 14:13	#130
alanwarwic Forum Member Join Date: Oct 2003 Location: the wild world web Posts: 28,132	Meaning Im not really bothered having it on my phone. That only gives half a solution.

01-09-2015, 14:45	#131
kidspud Forum Member Join Date: May 2010 Posts: 11,501	Quote: Originally Posted by alanwarwic Meaning Im not really bothered having it on my phone. That only gives half a solution. See, sometimes we can actually agree. As far as I'm concerned all the while payment limits exist, I don't really see the point of it as I will always need a card. However, Apple (and soon Samsung) have solved that issue, the terminals will not take long to catch up as shops like making it easy to spend money.

01-09-2015, 15:22	#132
IslandNiles Forum Member Join Date: Apr 2005 Posts: 13,091	Quote: Originally Posted by Stiggles Asda, sainsburys and tesco here do. In fact i cant recall in the last year being somewhere that doesn't accept it now. You're doing well there! I wish the supermarkets round here had contactless, but none of them have implemented it yet. Tesco's self service checkouts have had a 'contactless card' option on the screen for two years now, yet I've never been in a branch outside London that's had contactless terminals. There was just a report on the news that said the average transaction value in supermarkets is £25, and that the increase in the limit might prompt them to upgrade their terminals.

01-09-2015, 16:01	#133
alanwarwic Forum Member Join Date: Oct 2003 Location: the wild world web Posts: 28,132	Alludimating stuff In the still rare case that Apple Pay is fully facilitated, will it allow a transaction above £30 without a fully working data connection?

01-09-2015, 16:57	#134
Helix Forum Member Join Date: Nov 2004 Location: Hertfordshire Posts: 1,474	Quote: Originally Posted by alanwarwic Alludimating stuff In the still rare case that Apple Pay is fully facilitated, will it allow a transaction above £30 without a fully working data connection? Yes, there is no need for a data connection for Apple Pay. All the authentication is done on the device itself after initial setup, the card reader instore will authorise the payment with the bank the same as if a chip and pin transaction had taken place.

01-09-2015, 17:07	#135
kidspud Forum Member Join Date: May 2010 Posts: 11,501	Quote: Originally Posted by alanwarwic Alludimating stuff In the still rare case that Apple Pay is fully facilitated, will it allow a transaction above £30 without a fully working data connection? Are you making up words now? Although it is not widespread, the capability is there. I would have thought with your 'interest' in technology you would appreciate the step forward. You've had it answered. No data connection is required.

01-09-2015, 17:39	#136
noise747 Forum Member Join Date: Dec 2007 Location: Herefordshire Posts: 22,810	Quote: Originally Posted by kidspud The raised limit might encourage the likes of Tesco to start accepting it, as it moves it above their average customer spend. May do, Quote: Originally Posted by Stiggles Asda, sainsburys and tesco here do. In fact i cant recall in the last year being somewhere that doesn't accept it now. Tesco here seems to have got the software as it is on their system by greyed out, but they still got old readers, Sainsburys got nice new shiny readers, but not the software. Asda did not have any, but saying that I have only been in our Asda 3 times since it opened, so it may have changed. I know that they did not accept them a few weeks back as a mate of mine was moaning about it.

01-09-2015, 17:41	#137
noise747 Forum Member Join Date: Dec 2007 Location: Herefordshire Posts: 22,810	Quote: Originally Posted by Stig Why did you bump a 2012 thread when there are much newer ones? Not that you will see this as I am on your ignore list, but i did not, alanwarwic did. I have never ever put anyone on the ignore list even if I feel like doing it to some people.

01-09-2015, 17:51	#138
noise747 Forum Member Join Date: Dec 2007 Location: Herefordshire Posts: 22,810	Quote: Originally Posted by alanwarwic I got a new bank card a or so week ago, meaning I'm in the 4th year of using NFC. I suppose it would be useful, but when not carrying cash, at the moment contactless acceptance is simply too low to be left to chance. Going out without cash here is almost impossible, unless you are just going to go to a local supermarket and go back home. Went into town on Saturday, needed cash for a smoothie and needed cash to get back home on the bus, I walked into town. Friday I did a bigish shop at work, i needed cash for the taxi. I think some people forget that some of us live outside the big cities.

15-10-2015, 15:33	#139
alanwarwic Forum Member Join Date: Oct 2003 Location: the wild world web Posts: 28,132	A couple of weeks ago, en-route home I popped into a local shop for a paper. With no cash, spotting the contactless sign I asked if it was OK and they said '50p charge for cards'. I suggested contactless is meant to be free and they relented on that. Im not sure if thhey were trying it on or simply preferring cash. http://www.pymnts.com/news/2015/the-...payments-myth/ A very interesting read, and showing why supermarkets were not too bothered about NFC. It is fascinating how mobile payments have actually helped developing countries like Kenya.

15-10-2015, 16:02	#140
-GONZO- Forum Member Join Date: Dec 2005 Location: Kent Posts: 8,954	Quote: Originally Posted by alanwarwic A couple of weeks ago, en-route home I popped into a local shop for a paper. With no cash, spotting the contactless sign I asked if it was OK and they said '50p charge for cards'. I suggested contactless is meant to be free and they relented on that. Im not sure if thhey were trying it on or simply preferring cash. Contactless is still treated as a card payment, in smaller shops they usually have a minimum spend on free card payments otherwise there's a charge if under.

15-10-2015, 16:18	#141
de525ma Forum Member Join Date: Jan 2014 Location: Portsmouth Posts: 787	Though disproportionate charges for debit/credit card use are supposed to be banned. Debit card cost is usually 8-20p per transaction. Credit cards around 0.8%. So charging you 50p for NFC debit is actually profiteering...

16-10-2015, 02:19	#142
My name's Scott Forum Member Join Date: Feb 2010 Location: Homerton, London, E9 Posts: 1,742	How dare a business profit snigger

16-10-2015, 18:43	#143
tdenson Forum Member Join Date: Aug 2005 Posts: 4,214	Quote: Originally Posted by My name's Scott How dare a business profit snigger But profiteering implies unseemly profit - what many on here accuse Apple of

16-10-2015, 21:50	#144
BKM Forum Member Join Date: Jul 2007 Posts: 6,288	Quote: Originally Posted by -GONZO- Contactless is still treated as a card payment, in smaller shops they usually have a minimum spend on free card payments otherwise there's a charge if under. Are you sure? Greggs, for example, push contactless very hard for typically low cost bread, cakes etc.

16-10-2015, 21:51	#145
moox Forum Member Join Date: Oct 2004 Posts: 14,645	Quote: Originally Posted by BKM Are you sure? Greggs, for example, push contactless very hard for typically low cost bread, cakes etc. Greggs probably has enough volume to get a good deal out of their card processor. Small shops with one or two terminals get ripped off

17-10-2015, 13:25	#146
tdenson Forum Member Join Date: Aug 2005 Posts: 4,214	My family has a small shop and we use WorldPay as our credit card processor. I have just installed contactless and we get charged the same for card or contactless. Seems a bit unfair, but I guess the cost to them of both types of transactions is much the same - and I suspect a large part of the reason for the charge is underwriting potential losses (fraud etc.) which are common to both types of payment.

DS Forums

When will NFC Contactless Payment be available?

18-10-2015, 07:01	#147
kidspud Forum Member Join Date: May 2010 Posts: 11,501	Quote: Originally Posted by tdenson My family has a small shop and we use WorldPay as our credit card processor. I have just installed contactless and we get charged the same for card or contactless. Seems a bit unfair, but I guess the cost to them of both types of transactions is much the same - and I suspect a large part of the reason for the charge is underwriting potential losses (fraud etc.) which are common to both types of payment. I think that is slightly unusual. I know a couple of people who have contactless installed and for lower value transactions (below £15 i think), they pay a slightly lower rate than chip and pin.