Digital Spy

Search Digital Spy
 

DS Forums

 
 

EE Cash on tap - whens it out?


Reply
Thread Tools Search this Thread
Old 03-07-2013, 16:32
lamby
Forum Member
 
Join Date: Jul 2000
Location: Oxford, UK
Posts: 2,880

Hey

I see EE have launched a contactless payment feature.

Anyone know when the app will be out?
lamby is offline Follow this poster on Twitter   Reply With Quote
Please sign in or register to remove this advertisement.
Old 03-07-2013, 16:34
enapace
Forum Member
 
Join Date: Mar 2013
Posts: 3,064
Hey

I see EE have launched a contactless payment feature.

Anyone know when the app will be out?
July the 17th for selected models.
enapace is online now   Reply With Quote
Old 03-07-2013, 16:46
kidspud
Forum Member
 
Join Date: May 2010
Posts: 5,021
I really don't understand why this app needs to be done in partnership with MasterCard (or what that actually means).

All the app does is allow you to load the app with cash which you then spend via nfc. This is the same as (for example) a Starbucks card and then using the screen barcode scanner. Why not just register your debit card and let payment come straight from your account?
kidspud is offline   Reply With Quote
Old 03-07-2013, 17:09
moox
Forum Member
 
Join Date: Oct 2004
Posts: 6,996
I really don't understand why this app needs to be done in partnership with MasterCard (or what that actually means).

All the app does is allow you to load the app with cash which you then spend via nfc. This is the same as (for example) a Starbucks card and then using the screen barcode scanner. Why not just register your debit card and let payment come straight from your account?
How would retailers link their systems to EE's?

That's why they go with the established players like Visa or Mastercard, as it requires little or no work to implement other than accepting Mastercard in the first place. Plus it makes it more likely to be used if it is accepted in more places. I am assuming that it is just a prepaid debit card in virtual form, stored on the phone, so assuming that the till can already take contactless payment it would work immediately.

Starbucks is rather different, since they control the card and their tills so they can do whatever they want. I can't use a Starbucks card to pay in ASDA, can I?
moox is offline   Reply With Quote
Old 03-07-2013, 17:21
kidspud
Forum Member
 
Join Date: May 2010
Posts: 5,021
How would retailers link their systems to EE's?

That's why they go with the established players like Visa or Mastercard, as it requires little or no work to implement other than accepting Mastercard in the first place. Plus it makes it more likely to be used if it is accepted in more places. I am assuming that it is just a prepaid debit card in virtual form, stored on the phone, so assuming that the till can already take contactless payment it would work immediately.

Starbucks is rather different, since they control the card and their tills so they can do whatever they want. I can't use a Starbucks card to pay in ASDA, can I?
The point I'm making is that you should just be able to preload your card details onto the phone (whether it be a visa debit, MasterCard, etc) and just make a payment direct to your card account.

The problem with preloading (which is true of the Starbucks card) is that you have to make sure you have enough money preloaded.

Ironically, the Starbucks card system does not limit you to a 20 spend limit which this system does.
kidspud is offline   Reply With Quote
Old 03-07-2013, 17:24
IslandNiles
Forum Member
 
Join Date: Apr 2005
Posts: 12,713
Yeah, wallet systems aren't the best and they probably don't encourage much take-up of the service.
IslandNiles is online now   Reply With Quote
Old 03-07-2013, 17:26
moox
Forum Member
 
Join Date: Oct 2004
Posts: 6,996
The point I'm making is that you should just be able to preload your card details onto the phone (whether it be a visa debit, MasterCard, etc) and just make a payment direct to your card account.
Unless you simply clone the card (which would seem like a huge security risk) you'd still need some system for retailers to direct payments to your bank account. That system would still have to be farmed out to a bank or other financial services company to be able to make it happen.

The problem with preloading (which is true of the Starbucks card) is that you have to make sure you have enough money preloaded.

Ironically, the Starbucks card system does not limit you to a 20 spend limit which this system does.
I don't know if this is a problem. People do it all the time on public transport (Oyster) or with pay as you go mobile phones and stuff. I'd assume that the app will tell you your balance and provide some easy way to top up, so it's hardly a deal breaker.

The 20 quid limit is a contactless payment restriction, I'm fairly sure it is the same with physical contactless cards. Otherwise, given the hubbub over how much range a card can be picked up at, anyone could read your card and use it to pay for something expensive.
moox is offline   Reply With Quote
Old 03-07-2013, 18:57
reclusive46
Forum Member
 
Join Date: Nov 2011
Location: Norwich
Posts: 564
The 20 quid limit is a contactless payment restriction, I'm fairly sure it is the same with physical contactless cards. Otherwise, given the hubbub over how much range a card can be picked up at, anyone could read your card and use it to pay for something expensive.
Indeed, its currently the UK's contactless EMV limit. Not like Australia which is 100 AUD, which is a bit more useful. The PayPass Contactless 2 spec will allow over 20 transactions with a pin on the device in the very near future though.
reclusive46 is offline   Reply With Quote
Old 03-07-2013, 19:04
reclusive46
Forum Member
 
Join Date: Nov 2011
Location: Norwich
Posts: 564
I really don't understand why this app needs to be done in partnership with MasterCard (or what that actually means).
Who else would they use? It would be pretty stupid to start making their own network, they were pretty much limited to using a virtual Visa, MasterCard or American Express. Would be pretty pointless in partnering with China UnionPay :P

Three seems to be up to something with American Express though, on my last Amex statement I got a leaflet talking about contactless and all the different ways of using it and it talked about paying via Mobile and at the bottom it says "American Express Mobile ExpressPay available on select NFC enabled Three handsets, late 2013".

Wouldn't surprise me though as Vodafone Australia (Who are half owned by 3 and half owned by Vodafone) are also switching their virtual card from a virtual MasterCard to a virtual American Express.
reclusive46 is offline   Reply With Quote
Old 03-07-2013, 19:26
kidspud
Forum Member
 
Join Date: May 2010
Posts: 5,021
Who else would they use? It would be pretty stupid to start making their own network, they were pretty much limited to using a virtual Visa, MasterCard or American Express. Would be pretty pointless in partnering with China UnionPay :P

Three seems to be up to something with American Express though, on my last Amex statement I got a leaflet talking about contactless and all the different ways of using it and it talked about paying via Mobile and at the bottom it says "American Express Mobile ExpressPay available on select NFC enabled Three handsets, late 2013".

Wouldn't surprise me though as Vodafone Australia (Who are half owned by 3 and half owned by Vodafone) are also switching their virtual card from a virtual MasterCard to a virtual American Express.
What do you mean, network? The NFC terminals provide the fund clearance, just like they do on contactless cards
kidspud is offline   Reply With Quote
Old 03-07-2013, 21:01
reclusive46
Forum Member
 
Join Date: Nov 2011
Location: Norwich
Posts: 564
What do you mean, network? The NFC terminals provide the fund clearance, just like they do on contactless cards
There needs to be some kind of network in place for the clearance to work. For authorisation and settlement. EE would have to create its own one. Its no different than a normal contactless credit or debit card really, its just virtual and can only be used on contactless terminals.

Imagine if Lloyds went and said we're not going to issue Visa cards anymore, we're issuing Lloyds net cards, oh wait no merchants accept our card.
reclusive46 is offline   Reply With Quote
Old 03-07-2013, 21:06
kidspud
Forum Member
 
Join Date: May 2010
Posts: 5,021
There needs to be some kind of network in place for the clearance to work. For authorisation and settlement. EE would have to create its own one. Its no different than a normal contactless credit or debit card really, its just virtual and can only be used on contactless terminals.

Imagine if Lloyds went and said we're not going to issue Visa cards anymore, we're issuing Lloyds net cards, oh wait no merchants accept our card.
I think we are misunderstanding each other here.

Why not just have an app which allows you to load your card details, whether it is an Amex, visa or MasterCard.

The route taken at the moment is if you had all 3 of those cards (and it so happens I do) then you would need 3 different apps and 3 different wallets you would need to manage.

Just seems a strange way of doing it.
kidspud is offline   Reply With Quote
Old 03-07-2013, 21:18
IslandNiles
Forum Member
 
Join Date: Apr 2005
Posts: 12,713
I think we are misunderstanding each other here.

Why not just have an app which allows you to load your card details, whether it is an Amex, visa or MasterCard.

The route taken at the moment is if you had all 3 of those cards (and it so happens I do) then you would need 3 different apps and 3 different wallets you would need to manage.

Just seems a strange way of doing it.
Presumably all the card issuers would have to agree to such a thing, though. For security/fraud prevention purposes.
IslandNiles is online now   Reply With Quote
Old 03-07-2013, 21:40
reclusive46
Forum Member
 
Join Date: Nov 2011
Location: Norwich
Posts: 564
I think we are misunderstanding each other here.

Why not just have an app which allows you to load your card details, whether it is an Amex, visa or MasterCard.

The route taken at the moment is if you had all 3 of those cards (and it so happens I do) then you would need 3 different apps and 3 different wallets you would need to manage.

Just seems a strange way of doing it.
Oh I see. Sorry for misunderstanding you.

Oh I agree, would much prefer to have my Amex, MasterCard and Visa Debit card all in one app, not having to load up.

Obviously commercial decisions that have made it this way. If we ever do get google wallet, that works on all 3 cards in the US and charges direct to that, although I don't think Amex will be accepted on the app in the UK as Bizarrely Google Wallet UK doesn't accept Amex.
reclusive46 is offline   Reply With Quote
Old 03-07-2013, 21:52
kidspud
Forum Member
 
Join Date: May 2010
Posts: 5,021
Presumably all the card issuers would have to agree to such a thing, though. For security/fraud prevention purposes.
That is an interesting question. I don't believe there are any inherent security features within the app, so not sure if it would cause much of a problem.

Someone on here is using google wallet in the uk (I assume as a hacked app) without it being approved by the card issuers or google, and hasn't had any issues.
kidspud is offline   Reply With Quote
Old 03-07-2013, 23:07
IslandNiles
Forum Member
 
Join Date: Apr 2005
Posts: 12,713
That is an interesting question. I don't believe there are any inherent security features within the app, so not sure if it would cause much of a problem.

Someone on here is using google wallet in the uk (I assume as a hacked app) without it being approved by the card issuers or google, and hasn't had any issues.
I know. I'm not saying there would be any inherent security issues. I just wonder what the card issuers would make of it, though. Could a third-party company just produce an app that allowed you to load up your own card details and then use an NFC terminal? Is it technically possible? Would you still be covered in the event of fraud?
IslandNiles is online now   Reply With Quote
Old 06-07-2013, 16:34
DevoidDroid
Forum Member
 
Join Date: Jun 2001
Location: In The Garden
Posts: 335
Anyone confirm that this is only for 4GEE customers and not T-Mobile or Orange?
DevoidDroid is offline   Reply With Quote
Old 17-07-2013, 14:02
lamby
Forum Member
 
Join Date: Jul 2000
Location: Oxford, UK
Posts: 2,880
EE's Cash on tap it downloadable now, i get an error on setup.
lamby is offline Follow this poster on Twitter   Reply With Quote
Old 19-07-2013, 00:44
ewanmcnab
Forum Member
 
Join Date: Sep 2008
Posts: 10
Installed it last night and finished setup this morning all OK. Used it in Mcdonalds for breakfast and worked a treat.
ewanmcnab is offline   Reply With Quote
Old 20-07-2013, 17:10
madj40
Forum Member
 
Join Date: Feb 2006
Posts: 977
New Nfc sim arrived this morning,downloaded the app,set up an account and 'Ta da'..(as they say). All seems to have set up perfectly and they even give you a free fiver to get you started..Nice 1..)
madj40 is offline   Reply With Quote
Old 20-07-2013, 20:35
lamby
Forum Member
 
Join Date: Jul 2000
Location: Oxford, UK
Posts: 2,880
Stupid that they don't inform you that you need an nfc sim. I'm getting one sent to me
lamby is offline Follow this poster on Twitter   Reply With Quote
Old 23-07-2013, 08:34
lamby
Forum Member
 
Join Date: Jul 2000
Location: Oxford, UK
Posts: 2,880
So, via the Twitter team, EE order me a new NFC sim. Little do i know that they will cancel my current sim! So i am without a signal.
lamby is offline Follow this poster on Twitter   Reply With Quote
Old 23-07-2013, 08:57
tdenson
Forum Member
 
Join Date: Aug 2005
Posts: 2,928
Installed it last night and finished setup this morning all OK. Used it in Mcdonalds for breakfast and worked a treat.
Where does the payment get taken from?
tdenson is offline   Reply With Quote
 
Reply



Thread Tools Search this Thread
Search this Thread:

Advanced Search

 
Forum Jump


All times are GMT +1. The time now is 08:39.