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Android Pay to Rival Apple Pay in the UK Next Month |
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#26 |
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Join Date: Mar 2000
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Posts: 3,389
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With EE Cash On Tap you just tap the phone and that's it. You don't have to touch the button or you could be wearing gloves. Contactless cards don't need a PIN so why should a phone doing the same thing?
The point about Apple Pay (and Android Pay) is you can spend MORE than the £30 UK limit. You can buy a Mac worth £1500 in an Apple Store using Apple Pay for example. The only way the banks would allow this was if there was a way to check the human was the right human - so fingerprint, or PIN or signature. To me using PIN on an Android Pay phone is pointless, might as well just use traditional Chip&PIN card. |
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#27 |
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Join Date: Mar 2005
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I think I'd prefer to either have to unlock the phone or swipe my finger as I'll only be using it in emergencies if I have forgotten my card (don't usually carry my wallet round with me all the time (keep it in my car in the daytime) and only take my card out with me if I think I may be going somewhere to buy something, but sometimes something crops up where I need to buy something (like when I pop to the gym and my wife asks me to buy a couple of things from the shop on the way back once I've already left home)).
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#28 |
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Join Date: May 2006
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I do not see an attraction in this. Yet. I have a contactless card for small amounts, for higher I have to enter a pin. I feel safer not having the card info cloned somewhere, too. I wonder what shops think about it. Credit card companies get their cut from the paid amount and now it's also Apple and Google waiting in the line, too. Without raising the price the shops can only hope using the smartphones will bring more business for them.
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#29 |
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Join Date: May 2008
Posts: 139
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Ok, so get phone out of pocket, unlock it and hold against terminal ( after setting it all up before hand) vs get card out of pocket, hold against terminal, done.
Other than the sheer novelty factor I really cant see the advantages of paying using a phone |
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#30 |
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Join Date: Mar 2009
Posts: 14,546
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I do not see an attraction in this. Yet. I have a contactless card for small amounts, for higher I have to enter a pin. I feel safer not having the card info cloned somewhere, too. I wonder what shops think about it. Credit card companies get their cut from the paid amount and now it's also Apple and Google waiting in the line, too. Without raising the price the shops can only hope using the smartphones will bring more business for them.
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#31 |
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Join Date: Mar 2006
Location: Newcastle-upon-Tyne
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Great. That's just what we need: multiple competing contactless payment standards.
We've already got an easily recognised and widely used one here in the UK which is included on all major bank cards for transactions up to £30. That covers everything you're likely to want to use it for in a hurry, such as local public-transport, a convenience store grocery purchase, or another drink in a Wetherspoons if you're too drunk to work out which coins or notes the person behind the bar might need. Add Apple Pay and Google Pay to that and the readers will now need three separate symbols to show what they accept. Four if Barclays bPay is also accepted. Let's hope Samsung's own payment system isn't launched here or that would be five. That way madness lies. Is it really too time consuming to type in a PIN when spending over £30? |
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#32 |
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Join Date: Nov 2008
Posts: 720
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Quote:
Great. That's just what we need: multiple competing contactless payment standards.
We've already got an easily recognised and widely used one here in the UK which is included on all major bank cards for transactions up to £30. That covers everything you're likely to want to use it for in a hurry, such as local public-transport, a convenience store grocery purchase, or another drink in a Wetherspoons if you're too drunk to work out which coins or notes the person behind the bar might need. Add Apple Pay and Google Pay to that and the readers will now need three separate symbols to show what they accept. Four if Barclays bPay is also accepted. Let's hope Samsung's own payment system isn't launched here or that would be five. That way madness lies. Is it really too time consuming to type in a PIN when spending over £30? What they are in reality are competing implementations of the same underlying standard. So yes, while it is confusing to the customer at the end of the day anywhere that accepts contactless cards will also accept Apple Pay, Android Pay, Samsung Pay (and indeed barclays bPay - which is just the contactless chip from a card in a different form factor). And anywhere that has updates their terminals to accept authenticated payments of more than £30 should also work with Apple Pay, Android Pay and Samsung Pay for that. |
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#33 |
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Join Date: Jan 2003
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I've been using contactless payments via NFC (not a bpay sticker) thanks to Barclaycard for a while and because it is linked direct to my card and not a pay system it works anywhere contactless is available. I find it really handy, £30 tap and pay or £100 pin and tap.
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#34 |
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Join Date: May 2011
Posts: 471
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I think that there is also a convenience in access to your phone. Like most people I know, I keep my phone in a pocket that allows me to use one hand to pick up my phone and answer calls. If I pay by card I have to use 2 hands (remove wallet, then remove desired card).
In London it's rare to not accept contactless payments. Everywhere will be similar soon. Nobody really wants to needlessly transport more cash than they have to due to security issues. |
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#35 |
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Join Date: Dec 2004
Location: London
Posts: 10,446
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Quote:
I do not see an attraction in this. Yet. I have a contactless card for small amounts, for higher I have to enter a pin. I feel safer not having the card info cloned somewhere, too. I wonder what shops think about it. Credit card companies get their cut from the paid amount and now it's also Apple and Google waiting in the line, too. Without raising the price the shops can only hope using the smartphones will bring more business for them.
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#36 |
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Join Date: Dec 2004
Location: London
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I think that there is also a convenience in access to your phone. Like most people I know, I keep my phone in a pocket that allows me to use one hand to pick up my phone and answer calls. If I pay by card I have to use 2 hands (remove wallet, then remove desired card).
In London it's rare to not accept contactless payments. Everywhere will be similar soon. Nobody really wants to needlessly transport more cash than they have to due to security issues. Another advantage of using a phone is you get a record of all your transactions. With a card you often don't even get a receipt. I can look at all my transactions and if I see a charge on my statement I don't recognise I can double check it on my phone. It also displays the charge at the time of purchase so you can see you have been charged the right amount. |
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#37 |
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Join Date: Nov 2009
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I think that there is also a convenience in access to your phone. Like most people I know, I keep my phone in a pocket that allows me to use one hand to pick up my phone and answer calls. If I pay by card I have to use 2 hands (remove wallet, then remove desired card).
In London it's rare to not accept contactless payments. Everywhere will be similar soon. Nobody really wants to needlessly transport more cash than they have to due to security issues. Here in Cumbria we not only haven't even adopted LSD – the sheep is still official currency. |
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#38 |
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Join Date: Jan 2011
Location: Dundee, Scotland
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I managed to download the app the other day somehow! Wont register any of my cards yet though.
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#39 |
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Join Date: Jul 2005
Posts: 3,474
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Isn't one of the big differences (and I may be out of date here) that apple charge an additional fee for use of their payment method (to the vendor) whereas android pay costs nothing extra.
Is guess if that's still true then android pay will be more popular with sellers. |
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#40 |
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Join Date: Jul 2009
Location: Eton Wick
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Isn't one of the big differences (and I may be out of date here) that apple charge an additional fee for use of their payment method (to the vendor) whereas android pay costs nothing extra.
Is guess if that's still true then android pay will be more popular with sellers. |
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#41 |
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Join Date: May 2002
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Isn't one of the big differences (and I may be out of date here) that apple charge an additional fee for use of their payment method (to the vendor) whereas android pay costs nothing extra.
Is guess if that's still true then android pay will be more popular with sellers. |
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#42 |
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Join Date: Mar 2001
Location: North West
Posts: 4,884
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Can Apple Pay be used with any contactless terminal or does hthe vendor have to support Apple Pay specifically?
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#43 |
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Join Date: Dec 2014
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Any contactless terminal as far as I am aware- and have used it at lots also even without specific Apple Pay branding. Let's hope more places adopt NFC, keep going!! Also a nice rise to £50 limit would be great, especially for Apple Pay customers who can authenticate with a fingerprint (Android Pay also if needs be)
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#44 |
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Join Date: Mar 2001
Location: North West
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Any contactless terminal as far as I am aware- and have used it at lots also even without specific Apple Pay branding. Let's hope more places adopt NFC, keep going!! Also a nice rise to £50 limit would be great, especially for Apple Pay customers who can authenticate with a fingerprint (Android Pay also if needs be)
Would it not be easier if they just said it was accepted everywhere the contactless symbol is shown? http://www.apple.com/uk/apple-pay/wh...use-apple-pay/ |
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#45 |
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Join Date: Jul 2007
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I think you're right, though Apple don't half bloody confuse things when hey talk about vendors accepting Apple Pay and then everywhere else contactless is available.
Would it not be easier if they just said it was accepted everywhere the contactless symbol is shown? http://www.apple.com/uk/apple-pay/wh...use-apple-pay/ Quote:
Can I accept transactions over £30 in my shop? https://support.apple.com/en-gb/HT204906
Apple Pay allows your customers to make easy and secure contactless payments at any amount. If your payment terminal or payment provider doesn’t support the latest network specifications, as with contactless debit and credit cards today, your customers might need to insert their card if the transaction amount is over £30. To accept Apple Pay for transactions over £30, your payment terminal must be capable and configured properly, and your payment provider needs to support the latest network contactless specifications. Share the consumer device cardmember verification white paper with your payment provider and ask them how you can allow your customers to use Apple Pay for any amount. |
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#46 |
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Join Date: Nov 2008
Posts: 720
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The way I understand it is that:
1 - Any Contactless terminal will support Apple, Android and Samsung Pay with a limit of £30. 2 - If the terminal supports it, has the correct software and configuration and if the retailer allows it, then it can also support Apple, Android or Samsung Pay without a limit (as the payment will be used with either a pin on the phone or a fingerprint scan). This is part of the contactless spec so isn't specific to any one method of those 3 (or if anyone else does a similar thing). 3 - This has nothing to do with what stickers the terminal has on it (so you can have an Apple Pay sticker but still be limited to £30). 4 - Samsung pay is also supported for some types of card swipe terminal assuming the swipe part of the terminal is enabled with no limits although I am not sure if this will be supported in the UK (where swiping a card is much less common than the US). |
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#47 |
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Join Date: Jul 2007
Posts: 6,288
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.....if the retailer allows it, then it can also support Apple, Android or Samsung Pay without a limit (
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#48 |
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Join Date: Jul 2000
Location: Oxford, UK
Posts: 3,332
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So to use Android Pay, you need a NFC phone?
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#49 |
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Join Date: Mar 2011
Location: Hertfordshire
Posts: 2,937
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So to use Android Pay, you need a NFC phone?
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#50 |
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Join Date: Mar 2011
Location: Hertfordshire
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Are you sure it is the retailer and not the issuing bank? I would imagine that, as long as the retailer knows they are guaranteed to be paid, they don't care about contactless limits that much!
The terminal has to be running software that supports cardholder verification on contactless transactions and the feature has to be enabled in the terminal's configuration. The issuer will know it's an Apple Pay transaction due to the way the card provisioning and tokenisation works, but they aren't allowed to decline cardholder-verified contactless transactions purely because they are over the contactless limit. They will have agreed to this as part of offering Apple Pay. I don't see Android Pay operating any differently to this. |
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