Tesco is cheap? I'm not quite sure where you get that from - it's just a normal supermarket.
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Apple Pay Apple Pay in the UK
- Thread starter RDowson
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Tesco is cheap? I'm not quite sure where you get that from - it's just a normal supermarket.
Good question.
I guess a long history of trading and card payment transactions would be amongst the list?
I don't think that comes into the equation, as very small businesses who use terminals like he Square one
can usually accept payments over £30. I think it is usually down to the terminal supplier and the merchant.
Not UK related exactly but City Hotel Amsterdam accept Apple Pay greater than €25. €190 is the most I’ve ever paid with Apple Pay.
I used my Visa Debit twice earlier in the day , no problems. What time did this start?
Wasn’t it around lunchtime?
Used my Lloyds Bank issued Visa Debit card late last night and the transaction was authorised.
Used my Lloyds Bank issued Visa Debit card late last night and the transaction was authorised.
Was around “the city” in the evening and many people’s VISA cards were still not working around 20:00 and possibly later. But my debit Card on Apple Pay worked fine and it said authorised really quickly. It made me wonder if only plastic cards doing “offline contactless” were effected but the decline message coming back were blocking people’s cards thereafter on the chip. Or I was just one of the lucky ones ! In any case never seen a Friday night so sparse, some bars almost empty 
Cash is king, for everything else there is MasterCard.
Cash is king, for everything else there is MasterCard.
I tried Apple Pay at Asda around 6pm yesterday and it failed with 2 different cards, both of which were Mastercard.
I think the issues with Visa were killing Asda’s payment infrastructure even though MasterCard itself was meant to be unaffected.
I had to resort to a MasterCard chip and pin transaction to buy my tea.
I think the issues with Visa were killing Asda’s payment infrastructure even though MasterCard itself was meant to be unaffected.
I had to resort to a MasterCard chip and pin transaction to buy my tea.
More than likely. People trying their Visa credit/debit cards over & over probably swamped the systems; didn’t some shops resort to cash only even though the problems lay with Visa?
I think there were wider problems if shops used Visa’s card payment system for all cards.
I think high street stores with 1-2 checkouts will have stopped accepting all cards for a bit as it’s easier to just refuse cards than let some customers try and then annoy all the rest paying cash.
Supermarkets probably didn’t need to do this given the number of checkouts open, but my local store could have done with some better processes.
There was a generic tannoy mentioning difficulties paying but no mention that chip and pin was working better than contactless, or that getting cash out in the foyer would have been a good idea.
Just as an FYI, I've been using ApplePay (and use it frequently, at least daily) since it launched and have never had to enter a PIN.
never had to do that either. No idea why someone would need it. 
A valid question indeed, I think in the USA you sometimes have to enter your pin. I am not sure if that would even work in Europe, with the way Apple Pay and our PIN system work . I was completely unaware that I could use Apple Pay over the limit in Germany, will try it when I next go there,Didn’t say one would. I was aware of the contactless limit but in Germany it works differently: you can go over 25€ with Apple Pay at any time or if you pay by card you need to enter your PIN. Hence my question
Normally you have to use Chip & PIN on a new credit/debit card (unless it’s a replacement) before you can use contactless-you only have to enter a PIN using a physical card if the transaction is greater than £30.
If supported by the retailer you can spend over >£30 with Apple Pay but some banks (Lloyds, Halifax) restrict the amount you can spend.
I have once in McDonalds, this wasn't too long after Apple Pay launched so hopefully it's smart enough to know and not to ask anymore.
Come to think of it I think I had sign for a transaction with my former Santander 123 MasterCard at the Co-Op not long after Apple Pay launched.
I used Apple Pay three times today Sainsbury’s, Sainsbury’s petrol station and M@S. A total of about £100, but I got no notification and no transactions showing in Settings>Wallet. I have looked in the Lloyds bank app and it showed as pending in my account though. Any body else had this happen? A transaction I did six days ago showed up fine.
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I popped into Tesco on my way home from work last night, and paid with Apple Pay. I didn't get the notification until about half an hour ago, but it had the correct transaction time on. Happens from time to time. I'm with Lloyds too.