iPhone 6 / 6 Plus NFC will only work on Apple Pay

It would be interesting what bit of info Apple left out.
The phone number, the address or just the 'home phone number' ?

The bank will obviously have to write to the customer to verify they asked for it, and may need that mobile phone number verified by snail mail too..

I'm really confused now.

The banks need to physically write to customers when they try to add card details to Apple Pay?

calico_pie · 04-03-2015, 13:30

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I've been using EE's "Cash on Tap" for about 4 months now with an HTC One Mini 2. works perfectly, with any retailer having contactless. It's also replaced my Oyster card, easier to transfer cash from my bank than finding a topup retailer. The service has been available for over a year.

Apart from myself, though, I've seen NOBODY-literally-else using it.

Apple's persuasion power and massive fan-base though will undoubtedly make it ubiquitous.

What are they persuading people to do?

I suppose it could be the power of persuasion, or it could just be a really convenient way of paying for things.

alanwarwic · 10-03-2015, 19:27

http://www.bbc.co.uk/news/world-europe-31812810

If you thought those Apple fees were low then think again.
The EU just voted to cap retailer card fees at 0.2% for debit cards.

There would be very little at all left for the banks if it ends up with Apple getting that 0.15% here.

calico_pie · 10-03-2015, 20:03

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http://www.bbc.co.uk/news/world-europe-31812810

If you thought those Apple fees were low then think again.
The EU just voted to cap retailer card fees at 0.2% for debit cards.

There would be very little at all left for the banks if it ends up with Apple getting that 0.15% here.

So Apple are somehow in the wrong here because of a figure of 0.15% based on a literally just imposed cap in Europe of 0.2%?

Scoundrels!

alanwarwic · 10-03-2015, 21:02

I am saying that the supposedly low 0.15% in in fact not low.

I'm not the one doing the scoundrelling.

kidspud · 10-03-2015, 22:10

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http://www.bbc.co.uk/news/world-europe-31812810

If you thought those Apple fees were low then think again.
The EU just voted to cap retailer card fees at 0.2% for debit cards.

There would be very little at all left for the banks if it ends up with Apple getting that 0.15% here.

I'm not sure you really understand the concept of transaction fees.

alanwarwic · 10-03-2015, 23:03

And you stay silent to prove you are not clueless ?

calico_pie · 10-03-2015, 23:07

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I am saying that the supposedly low 0.15% in in fact not low.

I'm not the one doing the scoundrelling.

Do you think it's reasonable to talk about the figure of 0.15% agreed over a year ago with banks in the US, with a new cap imposed in Europe (where Apple Pay isn't even launched yet) this week?

What is the current US equivalent of the new 0.2% cap in the Europe?

alanwarwic · 10-03-2015, 23:25

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Originally Posted by calico_pie

I am saying that the supposedly low 0.15% in in fact not low

Subject is now a likely cure for insomnia.

Bagov · 10-03-2015, 23:57

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What are they persuading people to do?

I suppose it could be the power of persuasion, or it could just be a really convenient way of paying for things.

I suppose "persuasion" is the wrong word: "glamour" would be better. Plus, EE have done very little to promote the service.

kidspud · 11-03-2015, 06:11

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I am saying that the supposedly low 0.15% in in fact not low.

I'm not the one doing the scoundrelling.

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And you stay silent to prove you are not clueless ?

There was no need for me to respond, someone else had already pointed out the bleeding obvious.

What has a rate agreed in the U.S. got to do with an EU ruling?

What do you mean by '0.15% is in fact not low'?, what rate are you comparing it to (if it is the newly announced EU rate then the comparison is not relevant)?

calico_pie · 11-03-2015, 08:04

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Originally Posted by calico_pie

I suppose "persuasion" is the wrong word: "glamour" would be better. Plus, EE have done very little to promote the service.

Apple's glamour power?

Or, it could just be a really convenient way to pay for things.

I will never understand this almost irrational notion that the reason people use Apple products or services has to be for reasons other than the quality or usability of those products and services.

With Apple Pay, I think its got off to a good start because of its incredible simplicity and convenience, not because people have somehow been persuaded by Apple, or seduced by their glamour.

jonmorris · 11-03-2015, 08:48

It probably does especially well because of how far behind the US has been until now, in terms of things like chip and pin and contactless.

I've been using contactless for goodness knows how many years here.

Tapping my wrist using NFC sounds great, although it could prove somewhat tricky for a lot of places I go and pay for things, where I'd have to be quite the contortionist to access the fixed terminals!

The Apple way might work well here, but I'm not sure that given our more advanced setup that many people will be in much of a rush. C&P is easy, contactless will soon be up to £30.

My wallet never needs charging!

Bagov · 11-03-2015, 16:06

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Apple's glamour power?

Or, it could just be a really convenient way to pay for things.

I will never understand this almost irrational notion that the reason people use Apple products or services has to be for reasons other than the quality or usability of those products and services.

With Apple Pay, I think its got off to a good start because of its incredible simplicity and convenience, not because people have somehow been persuaded by Apple, or seduced by their glamour.

I'm not anti-Apple-I'm typing this on a Macbook Pro. I was merely highlighting that NFC payments are not new, but it's only taking-off now Apple have got behind it.
But yes, Apple do have glamour appeal. The number of my customers who insist they must have an iPhone, who think them the best thing available, without being able to say why, brings me to that conclusion.

enapace · 11-03-2015, 16:29

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Originally Posted by jonmorris

It probably does especially well because of how far behind the US has been until now, in terms of things like chip and pin and contactless.

I've been using contactless for goodness knows how many years here.

Tapping my wrist using NFC sounds great, although it could prove somewhat tricky for a lot of places I go and pay for things, where I'd have to be quite the contortionist to access the fixed terminals!

The Apple way might work well here, but I'm not sure that given our more advanced setup that many people will be in much of a rush. C&P is easy, contactless will soon be up to £30.

My wallet never needs charging!

Haha I think on an iPhone I would use Apple Pay if it came to the UK I use contact less at moment maybe it would encourage retailers to actually put contact less payments points in. A lot of places still don't have contactless payment points. Will be interesting to see if Apple Pay is limited to 20 pounds as surely a finger print is far more secure then even a PIN number.

DevonBloke · 11-03-2015, 16:40

All the thieves have to remember is when they grab your iPhone is to also cut off your finger as well. Of course they would have to politely ask which finger it was.
Course they could just cut off your hand but then they'd probably find out it was a finger on the other hand.
Yep.. pretty secure!!

DevonBloke · 11-03-2015, 16:41

Seriously though, I love using the fingerprint reader for buying apps and in the Amazon app etc.. It's brilliant... and works every time.

DevonBloke · 11-03-2015, 16:49

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I'm not anti-Apple-I'm typing this on a Macbook Pro. I was merely highlighting that NFC payments are not new, but it's only taking-off now Apple have got behind it.
But yes, Apple do have glamour appeal. The number of my customers who insist they must have an iPhone, who think them the best thing available, without being able to say why, brings me to that conclusion.

Apple do have the knack of taking something that already exists but is not very good and then making it work properly. They always get berated for not innovating but that's not what they are about.
Loads of my customers have Windows laptops with readers they never use. In fact I don't have one that uses them. Why because you sit these frantically swiping your finger across it and it doesn't work. If it was the same scanner as the iPhone's, everyone would use them.
What amazes me is the way it scans so fast and at any angle. There is some serious CPU horsepower and very clever software at work there.

enapace · 11-03-2015, 17:02

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All the thieves have to remember is when they grab your iPhone is to also cut off your finger as well. Of course they would have to politely ask which finger it was.
Course they could just cut off your hand but then they'd probably find out it was a finger on the other hand.
Yep.. pretty secure!!

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Seriously though, I love using the fingerprint reader for buying apps and in the Amazon app etc.. It's brilliant... and works every time.

Agreed it is very secure far more as let's be honest contactless payment has the £20 limit due to the fact it has no security at all. I haven't used it in App Store lol didn't realise you could lol I've just been using to unlock phone lol.

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Originally Posted by enapace

Apple do have the knack of taking something that already exists but is not very good and then making it work properly. They always get berated for not innovating but that's not what they are about.
Loads of my customers have Windows laptops with readers they never use. In fact I don't have one that uses them. Why because you sit these frantically swiping your finger across it and it doesn't work. If it was the same scanner as the iPhone's, everyone would use them.
What amazes me is the way it scans so fast and at any angle. There is some serious CPU horsepower and very clever software at work there.

Yeah those old shitty finger print scanners were awful. I had one on a old Microsoft keyboard you would have more chance of going round a bend in a reliant robin and keeping on 3 wheels then that thing working lol.

But I agree with you Apple always seem to never truly invent well apart from that new battery tech which is very interesting. Like with the iPod the MP3 player market was a mix of cheap crap AAA battery players. But iPods really brought that market together same with the iPhone.

DevonBloke · 11-03-2015, 17:33

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I haven't used it in App Store lol didn't realise you could lol I've just been using to unlock phone lol.

In the app store mine asked me the first or second time I used it but you can turn it on in Settings / Touch ID & Passcode.

Same for the Amazon app and again in the app settings (in the main Settings not the app itself) you can also turn it on and off.
Brilliant for third party apps since they always log themselves out after a while for security reasons.

alanwarwic · 11-03-2015, 18:09

"Shoppers throughout the EU are increasingly choosing cards over cash"
http://www.bbc.co.uk/news/world-europe-31812810
That means NFC will take off big, the fees hindering retailer acceptance.

"The European Commission says it will mean big savings throughout the EU - €6bn a year for retailers and €730m a year for consumers."

I quite remember when shops either refused credit cards or charged an extra 5%.
Small margins often meant banks earned the most money from any sale.

calico_pie · 11-03-2015, 21:24

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All the thieves have to remember is when they grab your iPhone is to also cut off your finger as well. Of course they would have to politely ask which finger it was.
Course they could just cut off your hand but then they'd probably find out it was a finger on the other hand.
Yep.. pretty secure!!

Oh yeah. What happened to all those stories about muggers cutting off the fingers of 5S owners?

Maybe they were just a completely OTT hysteria.

calico_pie · 11-03-2015, 21:32

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