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Quick question about Apple Pay |
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#1 |
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Forum Member
Join Date: Apr 2005
Posts: 13,091
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Quick question about Apple Pay
Sorry for the new thread but it's a pretty specific question.
I have been using Apple Pay without issue for several months. I'm over in America at the moment and just tried to use it at a retailer that accepts it, only to get a 'payment not completed' message on my screen. Am I supposed to be able to use it in the USA, or can UK cards only be used in the UK? If it's the latter, it seems annoyingly limited as a payment system. |
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#2 |
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Forum Member
Join Date: Jul 2007
Posts: 3,993
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Does your card work as standard contactless in the States?
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#3 |
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Forum Member
Join Date: Apr 2011
Location: Totnes, Devon
Posts: 6,694
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Mine refused to work in Morrisons yesterday.
That's not helping is it.. I'll go! |
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#4 |
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Forum Member
Join Date: Apr 2005
Posts: 13,091
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Quote:
Does your card work as standard contactless in the States?
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#5 |
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Forum Member
Join Date: Dec 2005
Location: Kent
Posts: 8,954
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Quote:
I'm not sure - I haven't tried to use it. It's a Visa Debit card so will work, but maybe the contactless function is restricted to the UK. I just thought Apple Pay would be universal so I'm a bit disappointed.
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#6 |
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Forum Member
Join Date: Jul 2007
Posts: 3,993
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Quote:
I'm not sure - I haven't tried to use it. It's a Visa Debit card so will work, but maybe the contactless function is restricted to the UK. I just thought Apple Pay would be universal so I'm a bit disappointed.
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#7 |
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Forum Member
Join Date: Jul 2007
Posts: 6,288
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Quote:
I'm not sure - I haven't tried to use it. It's a Visa Debit card so will work, but maybe the contactless function is restricted to the UK. I just thought Apple Pay would be universal so I'm a bit disappointed.
So the question does seem to involve the answer to "can UK contactless be used internationally?" |
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#8 |
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Forum Member
Join Date: Sep 2003
Location: Bristol (BBC1 West)
Posts: 15,143
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Quote:
So the question does seem to involve the answer to "can UK contactless be used internationally?"
The US was quick to adopt the older "MSD" (Magnetic Stripe Data) contactless system which is pretty low tech (it basically just transmits the same data that's on the Magnetic Stripe of the card to the card reader). The UK (and most of Europe) uses a newer standard which is an extension of the EMV technology used by Chip and PIN, where the chip plays a more active role in the processing of the transaction. Generally cards issued in the UK support both EMV and MSD, while cards issued in the US only support MSD. But I suppose that if you went to a store in the US that only supported MSD and your card doesn't support MSD, you might have a problem with Apple Pay... |
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#9 |
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Forum Member
Join Date: Sep 2013
Location: United Kingdom
Posts: 509
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It was probably just the bank rejecting the card because you were trying to use it abroad.
I had my card rejected by Barclays, got a text two minutes later, replied and tried again and it worked okay. Unless you told the bank you were going that's probably what it was and would have occurred regardless of Apple Pay/Contactless/Chip and Pin |
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#10 |
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Forum Member
Join Date: Apr 2005
Posts: 13,091
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Quote:
It was probably just the bank rejecting the card because you were trying to use it abroad.
I had my card rejected by Barclays, got a text two minutes later, replied and tried again and it worked okay. Unless you told the bank you were going that's probably what it was and would have occurred regardless of Apple Pay/Contactless/Chip and Pin |
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#11 |
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Forum Member
Join Date: Apr 2008
Posts: 3,636
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I used my UK iPhone with a UK debit card at a Panera in the US with Apple Pay and it worked fine, so yes, international transactions should work.
As someone else said, it's possible your card provider declined the transaction because you're abroad. Give them a call. |
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#12 |
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Forum Member
Join Date: Apr 2005
Posts: 13,091
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^^
Thanks. I'll try to use the card itself for a payment today and see what happens. If it doesn't go through, I'll call the bank. |
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#13 |
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Forum Member
Join Date: Apr 2011
Location: Totnes, Devon
Posts: 6,694
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Yeah I had that in France.
Capital One card was blocked automatically when I got there. I called them up and they unblocked it for me. Apparently you should as a matter of course ring your card providers (of the cards you are going to use abroad) and tell them where you are going and for how long before you go. The automatic security software at their end then expects you to be there and doesn't block you. |
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#14 |
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Forum Member
Join Date: May 2005
Posts: 879
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Quote:
Yeah I had that in France.
Capital One card was blocked automatically when I got there. I called them up and they unblocked it for me. Apparently you should as a matter of course ring your card providers (of the cards you are going to use abroad) and tell them where you are going and for how long before you go. The automatic security software at their end then expects you to be there and doesn't block you. |
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#15 |
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Forum Member
Join Date: Apr 2005
Posts: 13,091
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Quote:
I thought everyone knew that? I always ring my bank beforehand to say where I am going and how long for. Basic fraud protection.
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