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Apple Pay
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noise747
20-07-2015
Originally Posted by IslandNiles:
“I'm in London this weekend. I was a bit scared to use Apple Pay yesterday but tried it today. Basically, I would recommend opening Passbook and authenticating using the home button before you approach the gates. If you do this, the gates open pretty much instantly, the same as using an Oyster or contactless card. If you just hold the locked phone over the reader with your thumb on the home button, it takes maybe four seconds to complete the process. Obviously that's pretty quick, but it definitely doesn't feel it with a queue of people behind you expecting to get through without any delay at all!”

London for you, if people slowed down for more than a few seconds there, they are scared they will stick to the floor.
This city is starting to get like it to be honest, people in a rush, to get to nowhere. Up North they are so much more laid back.
noise747
20-07-2015
Originally Posted by paulbrock:
“One thing that might be surprising to non-Londoners is that since last April you can't pay for a bus fare with cash.

You have to use an Oyster card or a contactless card (or Apple pay/pay on tap/bpay etc)”

No surprise at all, just another way to try to track people, so they know where you are going, under the pretence that it is time saving.,
noise747
20-07-2015
Originally Posted by enapace:
“That is crazy must cause confusion to tourists I don't even think the buses round by me even accept contactless never mind only contactless.”

You have buses? From September we will have less unless our council get off their backside and sort things out, First bus is pulling out, not that it will be a great loss to be honest, talk is that stagecoach is going to take their place.
They are worse than first if that is possible.
interactiv-uk
20-07-2015
I had the same security PIN check message in a Co-op store yesterday - each time i've had this it's been with my Amex card - no issues with my Santander credit card in Apple Pay. Makes me wonder if its an issue with Apple Pay and American Express set up.
TTTV
20-07-2015
Originally Posted by noise747:
“No surprise at all, just another way to try to track people, so they know where you are going, under the pretence that it is time saving.,”

PMSL
tdenson
20-07-2015
Originally Posted by DavidGover:
“
Also, the card linked to Apple pay was the same American Express I then paid directly with.”

Curious as to why you use Amex when so many retailers don't accept it ?
IslandNiles
20-07-2015
Originally Posted by Mark C:
“Yes, using contactless, nothing is charged until the middle of the night, when they tot up what journeys you have made, and cap the charge (if applicable) at what a Travelcard etc would have cost for the day.”

Yes, I meant to mention this. Usually when using Apple Pay, you get a notification almost immediately telling you the retailer and the amount. So it might say: "Boots, Manchester: £3.50." You'd then be able to see that transaction in the Passbook app. Because of the way TfL charges fares, you don't get a notification when you tap in and out, and in the Passbook app it shows: "London" and then "--" for the amount. I got a notification overnight about the transaction, which now shows as "TfL Travel Charge: £6.40." So it worked as it should.
anyonefortennis
20-07-2015
Originally Posted by IslandNiles:
“Yes, I meant to mention this. Usually when using Apple Pay, you get a notification almost immediately telling you the retailer and the amount. So it might say: "Boots, Manchester: £3.50." You'd then be able to see that transaction in the Passbook app. Because of the way TfL charges fares, you don't get a notification when you tap in and out, and in the Passbook app it shows: "London" and then "--" for the amount. I got a notification overnight about the transaction, which now shows as "TfL Travel Charge: £6.40." So it worked as it should.”

I wonder if these notifications will work with purchases made on the watch when iOS9 is released? I would like to get these notifications with watch purchases just to make sure everything went through ok.
DavidGover
20-07-2015
Originally Posted by tdenson:
“Curious as to why you use Amex when so many retailers don't accept it ?”

Because lots of places DO accept it and they've added more recently, e.g the Post Office. Also for the rewards, discount offers, customer service, travel insurance, etc, etc.
Icaraa
20-07-2015
Originally Posted by IslandNiles:
“Yes, I meant to mention this. Usually when using Apple Pay, you get a notification almost immediately telling you the retailer and the amount. So it might say: "Boots, Manchester: £3.50." You'd then be able to see that transaction in the Passbook app. Because of the way TfL charges fares, you don't get a notification when you tap in and out, and in the Passbook app it shows: "London" and then "--" for the amount. I got a notification overnight about the transaction, which now shows as "TfL Travel Charge: £6.40." So it worked as it should.”

Have I understood this correctly? Do you use Apple Pay exactly as you would Oyster? You tap in and out at the barriers and presumably at the final tap the bill is calculated?
IslandNiles
20-07-2015
Originally Posted by Icaraa:
“Have I understood this correctly? Do you use Apple Pay exactly as you would Oyster? You tap in and out at the barriers and presumably at the final tap the bill is calculated?”

Yes, that's right.
anyonefortennis
20-07-2015
Originally Posted by IslandNiles:
“Yes, that's right.”

£6.40 seems quite high. How much is it per journey?
paulbrock
20-07-2015
Apparently tfl have no way of checking that you've paid for your journey if you use Apple pay etc

http://www.expertreviews.co.uk/techn...with-apple-pay

article is very vague, not sure if they are referring only to bus payments or the tube as well.

I know I've had revenue inspectors check my bpay band and let me on my way (tube only, never on the bus)
paulbrock
20-07-2015
Originally Posted by anyonefortennis:
“£6.40 seems quite high. How much is it per journey?”

that's the daily cap for zone 1-2 (central london).

single journey from £2.30
anyonefortennis
20-07-2015
Originally Posted by paulbrock:
“that's the daily cap for zone 1-2 (central london).

single journey from £2.30”

Wow that's gone up a lot. It used to be £1.20 or £1.50.
IslandNiles
20-07-2015
Originally Posted by paulbrock:
“Apparently tfl have no way of checking that you've paid for your journey if you use Apple pay etc

http://www.expertreviews.co.uk/techn...with-apple-pay

article is very vague, not sure if they are referring only to bus payments or the tube as well.

I know I've had revenue inspectors check my bpay band and let me on my way (tube only, never on the bus)”

Not sure if you linked before the article was updated, but it now says:

Quote:
“TfL has finally responded to our initial query and has said that Apple Pay and bPay fare dodgers can be handled by the system. According to TfL, if a ticket inspector asks for your payment information, you have to tap your Apple Pay device to the inspector's reader. Later on when all of the inspector's information is uploaded, TfL can check if you tapped in with your Apple Pay device; if you didn't, you'll receive a penalty fare charged via Apple Pay. This is the same mechanism used for contactless cards.”

clivers
20-07-2015
Originally Posted by DavidGover:
“Because lots of places DO accept it and they've added more recently, e.g the Post Office. Also for the rewards, discount offers, customer service, travel insurance, etc, etc.”

amex merchant fees are so much higher than mastercard/visa
DavidGover
21-07-2015
Originally Posted by clivers:
“amex merchant fees are so much higher than mastercard/visa”

Yes they apparently are but I have no reason to care about that!
interactiv-uk
21-07-2015
Originally Posted by DavidGover:
“Yes they apparently are but I have no reason to care about that!”

Same here! As long as they keep passing a chunk of it onto us every month! 😁
interactiv-uk
21-07-2015
Originally Posted by jchamier:
“Sounds like the till hasn't properly recognised it as Apple Pay rather than Contactless.

Apple Pay should not get the PIN check ever. The fingerprint authentication is equal (actually better).”

If you are using an Amex card I've just had it confirmed by Amex that McDonalds won't support Amex on Apple Pay until October 2015 - even though you can use your card contactless at the moment. Must be to do with the programming of the tills to stop the pin checks.
jchamier
21-07-2015
Originally Posted by interactiv-uk:
“If you are using an Amex card I've just had it confirmed by Amex that McDonalds won't support Amex on Apple Pay until October 2015 - even though you can use your card contactless at the moment. Must be to do with the programming of the tills to stop the pin checks.”

Thanks that makes sense the tills are using the old rules until then.
StuBFrost
22-07-2015
I don't have Apple Pay but a couple of days ago I used my Amex in Morrisons for a contactless payment. Although the card was read successfully I was forced to swipe the magnetic strip of the card and then sign. It was just like the good old days before chip and pin and caused much amusement to people behind me in the queue.
tdenson
22-07-2015
Originally Posted by DavidGover:
“Because lots of places DO accept it and they've added more recently, e.g the Post Office. Also for the rewards, discount offers, customer service, travel insurance, etc, etc.”

But there's still quite a difference between lots of places and all places. However, if the add on rewards are better than I take your point. I gave up Amex 20 years ago due to the two fold issue of firstly difficulty of using it, and secondly their high pressure marketing bombarding me with junk mail.
jonmorris
22-07-2015
I gave up my Amex not long after going to the US and finding that usage there wasn't even that easy, and almost being ridiculed by staff saying that even Americans hate Amex.

I too got all the junk, the offers of lovely and wonderful upgrades to my account (for huge annual fees) and so on.. Far easier to just switch to another card, and I've never had trouble with Visa or MasterCard since.
tdenson
22-07-2015
Originally Posted by jonmorris:
“I gave up my Amex not long after going to the US and finding that usage there wasn't even that easy, and almost being ridiculed by staff saying that even Americans hate Amex.

I too got all the junk, the offers of lovely and wonderful upgrades to my account (for huge annual fees) and so on.. Far easier to just switch to another card, and I've never had trouble with Visa or MasterCard since.”

Yes, I remember now. It was a period where I had to travel frequently to the States on business when I got totally disillusioned by Amex when I discovered it was not very easy to use actually in America itself !
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