NFC mobile contactless payment - is it here yet?

Mark in Essex · 15-05-2015, 19:05

Besides mucking about frigging Google Wallet to work in the UK is there anyway to allow me to use my S5 to make contactless payments yet?

I'm trying to work out if PayPal allow it on their app but not sure?

Cheers Mark.

ConnorL9382 · 15-05-2015, 20:01

Interestingly, HSBC comes up as an option in 'Tap and Pay' on my Sony Z3. Haven't had the guts to try it yet though, doubt it'll work. Assuming it's for the up and coming 'Zapp' payment platform.

http://i.imgur.com/itbc0Jm.png

Mark in Essex · 15-05-2015, 22:53

Quote:

Originally Posted by ConnorL9382

Interestingly, HSBC comes up as an option in 'Tap and Pay' on my Sony Z3. Haven't had the guts to try it yet though, doubt it'll work. Assuming it's for the up and coming 'Zapp' payment platform.

http://i.imgur.com/itbc0Jm.png

Might have to look to see if First Direct do it as they are part of HSBC.

Cheers Mark.

kidspud · 16-05-2015, 05:33

Quote:

Originally Posted by ConnorL9382

Interestingly, HSBC comes up as an option in 'Tap and Pay' on my Sony Z3. Haven't had the guts to try it yet though, doubt it'll work. Assuming it's for the up and coming 'Zapp' payment platform.

http://i.imgur.com/itbc0Jm.png

Unfirtunately it isn't supported in the UK at the moment.

The banks/providers have really dragged this one out.

rjb101 · 16-05-2015, 06:47

Maybe because in this country there is no real need? The Americans, from where this technology is driven to all intents and purposes didn't go for chip and pin. I'm going to assume - im guessing the next bit now - that they also don't have wave and pay cards either. It might be nice to do but you have a bit of plastic that does the same thing.

Thine Wonk · 16-05-2015, 07:27

Quote:

Originally Posted by rjb101

Maybe because in this country there is no real need? The Americans, from where this technology is driven to all intents and purposes didn't go for chip and pin. I'm going to assume - im guessing the next bit now - that they also don't have wave and pay cards either. It might be nice to do but you have a bit of plastic that does the same thing.

Exactly, it isn't a hardship to carry a 1mm card around, for contactless payment.

Here's an idea, if you have an LG G3 or a Samsung and the back pops off and you're so desperate for it then pop the pack off, insert your bank card in the space between the phone and the battery cover (would work with a case on any phone too) then really confuse your local retailers as you pay with your "phone".

rjb101 · 16-05-2015, 07:59

Quote:

Originally Posted by Thine Wonk

Exactly, it isn't a hardship to carry a 1mm card around, for contactless payment.

Here's an idea, if you have an LG G3 or a Samsung and the back pops off and you're so desperate for it then pop the pack off, insert your bank card in the space between the phone and the battery cover (would work with a case on any phone too) then really confuse your local retailers as you pay with your "phone".

That's ok till you get to the time when you have the "insert your card" message because there's a limit on how many times you can use the card without putting a pin in

moox · 16-05-2015, 09:03

There is this "Zapp" thing from a few UK banks incl HSBC/First Direct, Santander and Nationwide but it has yet to launch.

http://www.zapp.co.uk/

I'm going to guess that it will never be available on the iPhone due to Apple's typical controlling ways

IMO it doesn't bother me - I have a contactless card that I can use if I really need to, and at least I don't have to worry about my battery dying before I can pay for things

Mark in Essex · 16-05-2015, 09:57

Cheers for all the replies.

I don't always like to carry my bank card with me and sometimes I might have just popped out to the gym and my wife will ask me if I can pick something up on the way home, or even take some cash into the supermarket to find I've forgotten about something.

Sometimes I might go for a long walk and then fancy a drink.

I have my phone with me the majority of the time, but I don't want to carry my card with me all the time in case I loose it.

Why not have the option on your phone as I can't see any negative (unlike the people wearing tin foil hats

).

Mark in Essex · 16-05-2015, 09:57

Quote:

Originally Posted by moox

There is this "Zapp" thing from a few UK banks incl HSBC/First Direct, Santander and Nationwide but it has yet to launch.

http://www.zapp.co.uk/

I'm going to guess that it will never be available on the iPhone due to Apple's typical controlling ways

IMO it doesn't bother me - I have a contactless card that I can use if I really need to, and at least I don't have to worry about my battery dying before I can pay for things

Cheers for that.

I will have to keep checking it.

kidspud · 16-05-2015, 10:04

I totally agree that contactless payment as we know it brings very little if added to a phone. For me it is because of the payment limit set. I'm not interested whether I plan to spend a high or low amount when I'm out, having card on me means I get to decide.

Apple pay has shown that with the correct security in place those limits can be removed. I'm sure the announced Samsung pay will do the same. The problem is lots of phones will not support it, and in the case of android, phone design will have to reintroduce home buttons (fingerprint sensors) or have a separate sensor.

Gigabit · 16-05-2015, 10:06

I have never in my life seen somebody pay with a contactless card, let alone their phone.

Mark in Essex · 16-05-2015, 10:12

Quote:

Originally Posted by Gigabit

I have never in my life seen somebody pay with a contactless card, let alone their phone.

That's because it's so quick to pay and you don't notice it (unlike PIN number or cash).

I use mine at least 5 times a week and would do even more if more shops accepted it and have also seen a lot of people using it (even a few people over 50).

moox · 16-05-2015, 10:12

Quote:

Originally Posted by Gigabit

I have never in my life seen somebody pay with a contactless card, let alone their phone.

That's saying a lot considering that I live in what is probably one of the most technologically backward counties in the country and yet I've seen people use contactless a lot, and use it myself

noise747 · 16-05-2015, 10:14

Vodafone is starting one up, in fact it have started, but on a slow roll out, but according to their website only works on certain phones. It is the type you have to top up now and again, but they do say that eventually you can add other cards.

TBH, I think it is more mucking around that it is worth, for a start you got to get your nice expensive phone out in a crowded shop, easy for someone to snatch it. While I do tend to use cash more than my card, I rather use my card than my phone.

It is called Vodafone wallet, but trying to find it on their site is almost impossible.

Mark in Essex · 16-05-2015, 10:15

I really can't see the problem with it as cannot see any negative sides (especially that the bank should refund you if it's used fraudulently as they do with cards).

kidspud · 16-05-2015, 10:16

Quote:

Originally Posted by noise747

Vodafone is starting one up, in fact it have started, but on a slow roll out, but according to their website only works on certain phones. It is the type you have to top up now and again, but they do say that eventually you can add other cards.

TBH, I think it is more mucking around that it is worth, for a start you got to get your nice expensive phone out in a crowded shop, easy for someone to snatch it. While I do tend to use cash more than my card, I rather use my card than my phone.

It is called Vodafone wallet, but trying to find it on their site is almost impossible.

Wallet systems are not the same. I use a wallet system all the time, my Starbucks app

Mark in Essex · 16-05-2015, 10:17

Quote:

Originally Posted by noise747

TBH, I think it is more mucking around that it is worth, for a start you got to get your nice expensive phone out in a crowded shop, easy for someone to snatch it. While I do tend to use cash more than my card, I rather use my card than my phone.

I would not use it all the time to pay for things, but only for when I've been caught short and don't have my card on me (say maybe once a month).

kidspud · 16-05-2015, 10:27

Quote:

Originally Posted by Mark in Essex

I really can't see the problem with it as cannot see any negative sides (especially that the bank should refund you if it's used fraudulently as they do with cards).

Banks worry about the security side of things, but I understand more of a problem is the 'middleman' transaction companies. If you pay at a chip and pin machine the company processing the transaction gets a cut. I believe Zapp bypasses that process which some are not happy with.

It does seem to be taking an awful amount of time to get s function that seems so obvious.

Thine Wonk · 16-05-2015, 10:47

Quote:

Originally Posted by kidspud

Banks worry about the security side of things, but I understand more of a problem is the 'middleman' transaction companies. If you pay at a chip and pin machine the company processing the transaction gets a cut. I believe Zapp bypasses that process which some are not happy with.

It does seem to be taking an awful amount of time to get s function that seems so obvious.

I really don't see the point, we all have tiny little cards just 1 or 2mm thin that you can wave over the terminal. To Europe where we've had chip and pin it really isn't something people seem too bothered about.

With payment systems being compromised at even the biggest retailers like Home Depot (40M credit card details stolen in US) it is little surprise that the banks are cautious about adding the capability to handheld internet connected consumer devices.

tealady · 16-05-2015, 10:48

Quote:

Originally Posted by Gigabit

I have never in my life seen somebody pay with a contactless card, let alone their phone.

You must live in the back of beyond! M&S, bars, newsagents all have it.

Mark in Essex · 16-05-2015, 10:57

Quote:

Originally Posted by tealady

You must live in the back of beyond! M&S, bars, newsagents all have it.

Not to mention Boots, Pret A Manger, Aldi, McDonalds, Whetherspoons, Greggs, Tesco petrol stations (and soon to be stores by the looks of things), Morrisons being upgraded and quite a few others that I have forgotten.

biggyt · 16-05-2015, 11:35

Quote:

Originally Posted by Mark in Essex

Not to mention Boots, Pret A Manger, Aldi, McDonalds, Whetherspoons, Greggs, Tesco petrol stations (and soon to be stores by the looks of things), Morrisons being upgraded and quite a few others that I have forgotten.

Waitrose, Wilkinson, Pumpkin...

wb9999 · 16-05-2015, 11:48

Quote:

Originally Posted by Thine Wonk

I really don't see the point, we all have tiny little cards just 1 or 2mm thin that you can wave over the terminal. To Europe where we've had chip and pin it really isn't something people seem too bothered about.

With payment systems being compromised at even the biggest retailers like Home Depot (40M credit card details stolen in US) it is little surprise that the banks are cautious about adding the capability to handheld internet connected consumer devices.

When walking my dog I don't carry my wallet or coins, but I always have my phone. Sometimes I pass a shop or cafe and think it would be nice to get or coffee or a snack, but I don't have the means to pay. Paying by phone would be great for the odd time when you don't have any other way to pay.

With Home Depot it wasn't the payment system that was compromised. They stupidly stored the card details unencrypted in their POS database. Anybody with half a brain should have known that was a foolish thing to do.

noise747 · 16-05-2015, 12:07

Quote:

Originally Posted by kidspud

Wallet systems are not the same. I use a wallet system all the time, my Starbucks app

It is contactless and is done via Visa. So it is poayment by mobile phone via contactless technology.

The wallet is just a way of adding cards,k the only they are allowing at the moment is called smartpass.

Anyway, I think paying by mobile phone have failed before it started, too many different systems and none of them have become mainstream. Look at your starbucks app, only for starbucks, what is the point? You may as well just pay with a NFC debit card if you want to use that sort of technology, I presume Starbucks accept them, since other coffee chains do. i do not go into starbucks, so I have no idea what they accept.

15-05-2015, 19:05	#1
Mark in Essex Forum Member Join Date: Mar 2005 Posts: 3,644	NFC mobile contactless payment - is it here yet? Besides mucking about frigging Google Wallet to work in the UK is there anyway to allow me to use my S5 to make contactless payments yet? I'm trying to work out if PayPal allow it on their app but not sure? Cheers Mark.

15-05-2015, 20:01	#2
ConnorL9382 Forum Member Join Date: Dec 2013 Posts: 106	Interestingly, HSBC comes up as an option in 'Tap and Pay' on my Sony Z3. Haven't had the guts to try it yet though, doubt it'll work. Assuming it's for the up and coming 'Zapp' payment platform. http://i.imgur.com/itbc0Jm.png

15-05-2015, 22:53	#3
Mark in Essex Forum Member Join Date: Mar 2005 Posts: 3,644	Quote: Originally Posted by ConnorL9382 Interestingly, HSBC comes up as an option in 'Tap and Pay' on my Sony Z3. Haven't had the guts to try it yet though, doubt it'll work. Assuming it's for the up and coming 'Zapp' payment platform. http://i.imgur.com/itbc0Jm.png Might have to look to see if First Direct do it as they are part of HSBC. Cheers Mark.

16-05-2015, 05:33	#4
kidspud Forum Member Join Date: May 2010 Posts: 11,501	Quote: Originally Posted by ConnorL9382 Interestingly, HSBC comes up as an option in 'Tap and Pay' on my Sony Z3. Haven't had the guts to try it yet though, doubt it'll work. Assuming it's for the up and coming 'Zapp' payment platform. http://i.imgur.com/itbc0Jm.png Unfirtunately it isn't supported in the UK at the moment. The banks/providers have really dragged this one out.

16-05-2015, 06:47	#5
rjb101 Forum Member Join Date: Apr 2005 Posts: 2,609	Maybe because in this country there is no real need? The Americans, from where this technology is driven to all intents and purposes didn't go for chip and pin. I'm going to assume - im guessing the next bit now - that they also don't have wave and pay cards either. It might be nice to do but you have a bit of plastic that does the same thing.

16-05-2015, 07:27	#6
Thine Wonk Forum Member Join Date: Mar 2009 Posts: 14,577	Quote: Originally Posted by rjb101 Maybe because in this country there is no real need? The Americans, from where this technology is driven to all intents and purposes didn't go for chip and pin. I'm going to assume - im guessing the next bit now - that they also don't have wave and pay cards either. It might be nice to do but you have a bit of plastic that does the same thing. Exactly, it isn't a hardship to carry a 1mm card around, for contactless payment. Here's an idea, if you have an LG G3 or a Samsung and the back pops off and you're so desperate for it then pop the pack off, insert your bank card in the space between the phone and the battery cover (would work with a case on any phone too) then really confuse your local retailers as you pay with your "phone".

16-05-2015, 07:59	#7
rjb101 Forum Member Join Date: Apr 2005 Posts: 2,609	Quote: Originally Posted by Thine Wonk Exactly, it isn't a hardship to carry a 1mm card around, for contactless payment. Here's an idea, if you have an LG G3 or a Samsung and the back pops off and you're so desperate for it then pop the pack off, insert your bank card in the space between the phone and the battery cover (would work with a case on any phone too) then really confuse your local retailers as you pay with your "phone". That's ok till you get to the time when you have the "insert your card" message because there's a limit on how many times you can use the card without putting a pin in

16-05-2015, 09:03	#8
moox Forum Member Join Date: Oct 2004 Posts: 14,645	There is this "Zapp" thing from a few UK banks incl HSBC/First Direct, Santander and Nationwide but it has yet to launch. http://www.zapp.co.uk/ I'm going to guess that it will never be available on the iPhone due to Apple's typical controlling ways IMO it doesn't bother me - I have a contactless card that I can use if I really need to, and at least I don't have to worry about my battery dying before I can pay for things

16-05-2015, 09:57	#9
Mark in Essex Forum Member Join Date: Mar 2005 Posts: 3,644	Cheers for all the replies. I don't always like to carry my bank card with me and sometimes I might have just popped out to the gym and my wife will ask me if I can pick something up on the way home, or even take some cash into the supermarket to find I've forgotten about something. Sometimes I might go for a long walk and then fancy a drink. I have my phone with me the majority of the time, but I don't want to carry my card with me all the time in case I loose it. Why not have the option on your phone as I can't see any negative (unlike the people wearing tin foil hats ).

16-05-2015, 09:57	#10
Mark in Essex Forum Member Join Date: Mar 2005 Posts: 3,644	Quote: Originally Posted by moox There is this "Zapp" thing from a few UK banks incl HSBC/First Direct, Santander and Nationwide but it has yet to launch. http://www.zapp.co.uk/ I'm going to guess that it will never be available on the iPhone due to Apple's typical controlling ways IMO it doesn't bother me - I have a contactless card that I can use if I really need to, and at least I don't have to worry about my battery dying before I can pay for things Cheers for that. I will have to keep checking it.

16-05-2015, 10:04	#11
kidspud Forum Member Join Date: May 2010 Posts: 11,501	I totally agree that contactless payment as we know it brings very little if added to a phone. For me it is because of the payment limit set. I'm not interested whether I plan to spend a high or low amount when I'm out, having card on me means I get to decide. Apple pay has shown that with the correct security in place those limits can be removed. I'm sure the announced Samsung pay will do the same. The problem is lots of phones will not support it, and in the case of android, phone design will have to reintroduce home buttons (fingerprint sensors) or have a separate sensor.

16-05-2015, 10:06	#12
Gigabit Forum Member Join Date: Aug 2014 Location: United Kingdom Posts: 2,887	I have never in my life seen somebody pay with a contactless card, let alone their phone.

16-05-2015, 10:12	#13
Mark in Essex Forum Member Join Date: Mar 2005 Posts: 3,644	Quote: Originally Posted by Gigabit I have never in my life seen somebody pay with a contactless card, let alone their phone. That's because it's so quick to pay and you don't notice it (unlike PIN number or cash). I use mine at least 5 times a week and would do even more if more shops accepted it and have also seen a lot of people using it (even a few people over 50).

16-05-2015, 10:14	#15
noise747 Forum Member Join Date: Dec 2007 Location: Herefordshire Posts: 22,810	Vodafone is starting one up, in fact it have started, but on a slow roll out, but according to their website only works on certain phones. It is the type you have to top up now and again, but they do say that eventually you can add other cards. TBH, I think it is more mucking around that it is worth, for a start you got to get your nice expensive phone out in a crowded shop, easy for someone to snatch it. While I do tend to use cash more than my card, I rather use my card than my phone. It is called Vodafone wallet, but trying to find it on their site is almost impossible.

16-05-2015, 10:15	#16
Mark in Essex Forum Member Join Date: Mar 2005 Posts: 3,644	I really can't see the problem with it as cannot see any negative sides (especially that the bank should refund you if it's used fraudulently as they do with cards).

16-05-2015, 10:16	#17
kidspud Forum Member Join Date: May 2010 Posts: 11,501	Quote: Originally Posted by noise747 Vodafone is starting one up, in fact it have started, but on a slow roll out, but according to their website only works on certain phones. It is the type you have to top up now and again, but they do say that eventually you can add other cards. TBH, I think it is more mucking around that it is worth, for a start you got to get your nice expensive phone out in a crowded shop, easy for someone to snatch it. While I do tend to use cash more than my card, I rather use my card than my phone. It is called Vodafone wallet, but trying to find it on their site is almost impossible. Wallet systems are not the same. I use a wallet system all the time, my Starbucks app

16-05-2015, 10:17	#18
Mark in Essex Forum Member Join Date: Mar 2005 Posts: 3,644	Quote: Originally Posted by noise747 TBH, I think it is more mucking around that it is worth, for a start you got to get your nice expensive phone out in a crowded shop, easy for someone to snatch it. While I do tend to use cash more than my card, I rather use my card than my phone. I would not use it all the time to pay for things, but only for when I've been caught short and don't have my card on me (say maybe once a month).

16-05-2015, 10:27	#19
kidspud Forum Member Join Date: May 2010 Posts: 11,501	Quote: Originally Posted by Mark in Essex I really can't see the problem with it as cannot see any negative sides (especially that the bank should refund you if it's used fraudulently as they do with cards). Banks worry about the security side of things, but I understand more of a problem is the 'middleman' transaction companies. If you pay at a chip and pin machine the company processing the transaction gets a cut. I believe Zapp bypasses that process which some are not happy with. It does seem to be taking an awful amount of time to get s function that seems so obvious.

16-05-2015, 10:47	#20
Thine Wonk Forum Member Join Date: Mar 2009 Posts: 14,577	Quote: Originally Posted by kidspud Banks worry about the security side of things, but I understand more of a problem is the 'middleman' transaction companies. If you pay at a chip and pin machine the company processing the transaction gets a cut. I believe Zapp bypasses that process which some are not happy with. It does seem to be taking an awful amount of time to get s function that seems so obvious. I really don't see the point, we all have tiny little cards just 1 or 2mm thin that you can wave over the terminal. To Europe where we've had chip and pin it really isn't something people seem too bothered about. With payment systems being compromised at even the biggest retailers like Home Depot (40M credit card details stolen in US) it is little surprise that the banks are cautious about adding the capability to handheld internet connected consumer devices.

16-05-2015, 10:48	#21
tealady Forum Member Join Date: Apr 2005 Location: colchester Posts: 15,352	Quote: Originally Posted by Gigabit I have never in my life seen somebody pay with a contactless card, let alone their phone. You must live in the back of beyond! M&S, bars, newsagents all have it.

16-05-2015, 10:57	#22
Mark in Essex Forum Member Join Date: Mar 2005 Posts: 3,644	Quote: Originally Posted by tealady You must live in the back of beyond! M&S, bars, newsagents all have it. Not to mention Boots, Pret A Manger, Aldi, McDonalds, Whetherspoons, Greggs, Tesco petrol stations (and soon to be stores by the looks of things), Morrisons being upgraded and quite a few others that I have forgotten.

DS Forums

NFC mobile contactless payment - is it here yet?

16-05-2015, 11:35	#23
biggyt Forum Member Join Date: Sep 2008 Posts: 345	Quote: Originally Posted by Mark in Essex Not to mention Boots, Pret A Manger, Aldi, McDonalds, Whetherspoons, Greggs, Tesco petrol stations (and soon to be stores by the looks of things), Morrisons being upgraded and quite a few others that I have forgotten. Waitrose, Wilkinson, Pumpkin...

16-05-2015, 11:48	#24
wb9999 Forum Member Join Date: May 2008 Posts: 139	Quote: Originally Posted by Thine Wonk I really don't see the point, we all have tiny little cards just 1 or 2mm thin that you can wave over the terminal. To Europe where we've had chip and pin it really isn't something people seem too bothered about. With payment systems being compromised at even the biggest retailers like Home Depot (40M credit card details stolen in US) it is little surprise that the banks are cautious about adding the capability to handheld internet connected consumer devices. When walking my dog I don't carry my wallet or coins, but I always have my phone. Sometimes I pass a shop or cafe and think it would be nice to get or coffee or a snack, but I don't have the means to pay. Paying by phone would be great for the odd time when you don't have any other way to pay. With Home Depot it wasn't the payment system that was compromised. They stupidly stored the card details unencrypted in their POS database. Anybody with half a brain should have known that was a foolish thing to do.

16-05-2015, 12:07	#25
noise747 Forum Member Join Date: Dec 2007 Location: Herefordshire Posts: 22,810	Quote: Originally Posted by kidspud Wallet systems are not the same. I use a wallet system all the time, my Starbucks app It is contactless and is done via Visa. So it is poayment by mobile phone via contactless technology. The wallet is just a way of adding cards,k the only they are allowing at the moment is called smartpass. Anyway, I think paying by mobile phone have failed before it started, too many different systems and none of them have become mainstream. Look at your starbucks app, only for starbucks, what is the point? You may as well just pay with a NFC debit card if you want to use that sort of technology, I presume Starbucks accept them, since other coffee chains do. i do not go into starbucks, so I have no idea what they accept.