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Apple Pay
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Mystic Eddy
07-12-2015
Originally Posted by anyonefortennis:
“I don't think Asda does either as it's part of the Walmart group. Sainsburys didn't accept it either. Not sure if they are onboard now or not.”

Asda supports Apple Pay up to £30.

If anyone has trouble with a retailer's card terminal not accepting Apple Pay, please submit feedback to Apple: http://www.apple.com/feedback/apple-pay.html
anyonefortennis
07-12-2015
Originally Posted by Mystic Eddy:
“Asda supports Apple Pay up to £30.

If anyone has trouble with a retailer's card terminal not accepting Apple Pay, please submit feedback to Apple: http://www.apple.com/feedback/apple-pay.html”

Are you sure as I've read many articles like this one which says Asda will not be offering it as it's part of the Walmart group who have not signed up to Apple Pay and people on here have posted that they can't use it in Asda or Sainsburys ?. Even PhilipS posted earlier today that Sainsburys don't support it :

http://www.bbc.co.uk/news/business-33063748
jchamier
07-12-2015
That article is old - but the £20 limit it mentions is £30 now - is the contactless limit.

Morrisons says it does Apple Pay but actually only does contactless as they have the £30 limit. Sainsburys don't have contactless readers (yet?) and staff when asked don't know if they will get contactless.

ASDA UK is quite different to Walmart, whom in the US are fighting the card companies over the fees they charge, and seem to be funding the MCX / CurrentC app concept that is a payment system from your bank to the store via a mobile phone - bypassing the credit card companies. (and it sounds awful).

Not asked in ASDA if they are doing contactless or not.
JasonWatkins
07-12-2015
Originally Posted by anyonefortennis:
“They have to choose that payment option on their tills don't they before it activates? That's what the guy in Superdrug told me anyway.”

Whenever i'm somewhere that I know Apply Pay works, all I say to the person on the checkout is "card please" and they activate the terminal.

But then I do tend to avoid checkouts more often than not and do the self service option.
Mystic Eddy
07-12-2015
Originally Posted by anyonefortennis:
“Are you sure as I've read many articles like this one which says Asda will not be offering it as it's part of the Walmart group who have not signed up to Apple Pay and people on here have posted that they can't use it in Asda or Sainsburys ?. Even PhilipS posted earlier today that Sainsburys don't support it :

http://www.bbc.co.uk/news/business-33063748”

I'm sure...I used it when I was at their self checkouts the other day so what you've read is incorrect. Support for Apple Pay most likely refers to unlimited spend when using it, normal contactless will work in most cases where the retailer has systems that support tokenisation. My local Sainsbury's has had contactless capable terminals installed and are just waiting for them to be updated.
tdenson
08-12-2015
I tried to use Apple Pay this morning at the post office which advertises Apple Pay for a transaction of £85. The machine said insert card, with no indication of contactless payment. Has anyone else used the post office ?
packages
08-12-2015
Originally Posted by tdenson:
“I tried to use Apple Pay this morning at the post office which advertises Apple Pay for a transaction of £85. The machine said insert card, with no indication of contactless payment. Has anyone else used the post office ?”

That means Post Office don't support transactions over £30 yet then.
jchamier
08-12-2015
Originally Posted by tdenson:
“I tried to use Apple Pay this morning at the post office which advertises Apple Pay for a transaction of £85. The machine said insert card, with no indication of contactless payment. Has anyone else used the post office ?”

Businesses are showing Apple Pay logos when their systems are still only Contactless so have the £30 limit. :-/
tdenson
09-12-2015
Originally Posted by packages:
“That means Post Office don't support transactions over £30 yet then.”

I guessed as much, but was just checking. So what does it actually mean to say you support Apple Pay if the limit is still £30. Surely there is zero benefit. As it happens my family own a small shop that supports contactless - can we put up a sign saying supporting Apple Pay ?
tdenson
09-12-2015
Another interesting issue with Apple Pay - I'm with Lloyds and the small print says that if I share my security credentials with anyone else then I am liable for any fraud. However, my wife is a joint account holder of the bank account that Apple Pay is registered to. This means if I register her fingerprint to my iPhone I lose all protection. This doesn't seem fair given that there is no security breach involved given she has full access to the account anyway.
enapace
09-12-2015
Originally Posted by tdenson:
“Another interesting issue with Apple Pay - I'm with Lloyds and the small print says that if I share my security credentials with anyone else then I am liable for any fraud. However, my wife is a joint account holder of the bank account that Apple Pay is registered to. This means if I register her fingerprint to my iPhone I lose all protection. This doesn't seem fair given that there is no security breach involved given she has full access to the account anyway.”

I would assume that she would be covered and cleared like you are as she has joint access to the account. I would clarify that by ringing the bank but pretty sure that would be the case.
Roush
09-12-2015
Originally Posted by tdenson:
“Another interesting issue with Apple Pay - I'm with Lloyds and the small print says that if I share my security credentials with anyone else then I am liable for any fraud. However, my wife is a joint account holder of the bank account that Apple Pay is registered to. This means if I register her fingerprint to my iPhone I lose all protection. This doesn't seem fair given that there is no security breach involved given she has full access to the account anyway.”

Surely this is no different to it already being contrary to the terms and conditions to tell other joint account holders your PIN?

Seems to simply be an extension of their existing account security policies.
WelshBluebird
10-12-2015
Originally Posted by tdenson:
“So what does it actually mean to say you support Apple Pay if the limit is still £30. Surely there is zero benefit.”

Because without the sign the general public wouldn't realise you could use Apple Pay.
People are in general stupid. If you don't tell them Apple Pay works on the terminal, most people would not know.
tdenson
11-12-2015
Originally Posted by Roush:
“Surely this is no different to it already being contrary to the terms and conditions to tell other joint account holders your PIN?

Seems to simply be an extension of their existing account security policies.”

I take your point, however there is quite a fundamental difference. By this policy Lloyds are dictating whether my wife can use my phone for anything, not just Apple Pay.
tdenson
11-12-2015
Originally Posted by enapace:
“I would assume that she would be covered and cleared like you are as she has joint access to the account. I would clarify that by ringing the bank but pretty sure that would be the case.”

No, I did actually call them and they confirmed it's not allowed.
Supercell
20-12-2015
Just a quick question - I want to use this on London buses. I was reading the instructions on their website but I just want to check.

Do you just double click and then once it says hold near reader to pay that's it...

or do you double click and then hold it near the reader with your finger still on the home button?

My usual shop method is wave it over the reader with my finger on the button.
ba_baracus
20-12-2015
Originally Posted by Supercell:
“Just a quick question - I want to use this on London buses. I was reading the instructions on their website but I just want to check.

Do you just double click and then once it says hold near reader to pay that's it...

or do you double click and then hold it near the reader with your finger still on the home button?

My usual shop method is wave it over the reader with my finger on the button.”

I have never used it on a London bus, but I would imagine you just need to use your normal shop method. You only need to double click if you need to select a card other than the default one.
mupet0000
20-12-2015
I have encountered a few places that have contactless terminals where the staff don't even attempt to use it. So far, my local dentist, vet and a few corner shops have had contactless readers but they hide them behind a desk and when asked if they accept Apple Pay or Contactless, I get a blank stare or a no. So I hand them my card and they pull out the terminal which is clearly contactless (I can see the contactless logo on the screen from where I'm standing) and stick the contactless card into the reader.

I feel like the only way to actually use Apple Pay sometimes is to trick people into letting you use it. Sometimes it's not even worth the hassle. I work in retail and when I'm out shopping and want to use Apple Pay, I feel like I'm training members of staff when I have to teach someone else how to use contactless on a terminal. It's not even difficult but some people have no idea.

I get through my transactions much quicker simply by handing people like this my card and letting them insert it into the reader, rather than asking them to hand me the the terminal so I can tap to pay and then get 21 questions of confusion and disbelief.

Contactless and Apple Pay is supposed to be quicker than your traditional chip&pin, but if staff don't know about it, it turns into a painful and slow process. I once went to buy some things from a branch of where I work, not the store I work in, and at the checkout I had to explain to the lady how to take Apple Pay (simple as hitting the card payment button). She kept telling me that because my total was over £30, contactless would not work, I told her that we accept Apple Pay so it doesn't matter. It took a lot of back and forth, eventually I got her to hit the card payment button and she couldn't believe it when the payment went through. She apologised and told me she had no idea phones could do that. I imagine if I wasn't an employee she wouldn't have hit the card payment button.

It's absolutely up to employers to train their staff on Contactless/Apple Pay. Especially Apple Pay as it's newer and a form of payment in and of itself. For smaller businesses, my guess is that some just happen to have a contactless terminal and don't even know or care enough to bother using it.

I've got a couple of Contactless promo t-shirts from a previous retail job a few years back when that company first got contactless terminals, maybe I should start wearing them when I go shopping. You'll see me on the streets with my contactless shirt spotting phone masts waving my phone at terminals
coopermanyorks
20-12-2015
I tried to set up My Iphone 6 for apple using my wifes Paypal mastercard debit card,but it says the card is not supported at this time


Is there a reason ?
d123
20-12-2015
Originally Posted by coopermanyorks:
“I tried to set up My Iphone 6 for apple using my wifes Paypal mastercard debit card,but it says the card is not supported at this time


Is there a reason ?”

The reason is the Paypal card isn't yet supported, simple as that.

If or when Paypal decide to support ApplePay (if it's even technically possible) then it will work, as it's actually a prepaid card I doubt that will be happening anytime soon.


Quote:
“2.1 Your Card is an e-money product; it is not a credit, charge or debit card.”

https://www.paypal.com/uk/webapps/mpp/accesscard-terms
Supercell
21-12-2015
Originally Posted by ba_baracus:
“I have never used it on a London bus, but I would imagine you just need to use your normal shop method. You only need to double click if you need to select a card other than the default one.”

I was just watching the video on this tweet from Mastercard which explains what to do and he doesn't have his finger on the button at the barrier https://twitter.com/MasterCardUK/sta...01469541625856

I think the double click and fingerprint bit pre authorises it so you don't have to have your finger on the sensor at the barrier/bus thing?

https://tfl.gov.uk/fares-and-payment...ment/apple-pay
No-One
22-12-2015
Unusual readers in my local M&S food/BP station. Holding your card/phone near the display doesn't work. You have to hold it at the side instead. Not sure how you'd do that if you were using an Apple Watch
Stig
22-12-2015
I finally got to use Apple Pay for first time using my Apple Watch. Both myself and the lady at the checkout at Co-op we're delighted how quick and easy it was.
packages
22-12-2015
Originally Posted by No-One:
“Unusual readers in my local M&S food/BP station. Holding your card/phone near the display doesn't work. You have to hold it at the side instead. Not sure how you'd do that if you were using an Apple Watch”

Nothing weird about it. The reader is at the side. There's a logo there in mine.
No-One
22-12-2015
Originally Posted by packages:
“Nothing weird about it. The reader is at the side. There's a logo there in mine.”

I've just never seen one like that anywhere else
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