Apple Pay Apple Pay in the UK

[iGeek2014]

Well I tried my Lyk pre-paid travel card at a Caxia ATM using Apple Pay.

Let me scan my phone, enter an amount to withdraw, scanned my phone again & then entered my PIN but it was declined by ‘my entity’.

Next year when I’m out there hopefully a. it’ll be working or b. will try another card and see what happens.

 

[AaronG123]

Well I tried my Lyk pre-paid travel card at a Caxia ATM using Apple Pay.

Let me scan my phone, enter an amount to withdraw, scanned my phone again & then entered my PIN but it was declined by ‘my entity’.

Next year when I’m out there hopefully a. it’ll be working or b. will try another card and see what happens.

Ah right, that’s the same issue I’ve had. Recently noticed Santandar are rolling out contactless readers at ATM’s. Similar message, to contact Authoriser after entering Pin.

I’ve been having a similar discussion with someone from US in another thread. They have Chase & BoA over there contactless. If you use a Apple Pay card not from that bank, at ATM it doesn’t allow the transaction.

But if for example you use a Chase Apple Pay card at a Chase ATM, authorises. We’ve came to the conclusion, it must be checking against the bank’s own database of device account numbers. I’m not sure how this could work otherwise... unless Apple is planning on creating a shared Device Account database for all Bank’s/ATM operators...... (No chance aha).

It does leave me wondering though, why the standalone ATM’s in San Antonio Bay are advertising Apple Pay...

 

[iGeek2014]

Ah right, that’s the same issue I’ve had. Recently noticed Santandar are rolling out contactless readers at ATM’s. Similar message, to contact Authoriser after entering Pin.

I’ve been having a similar discussion with someone from US in another thread. They have Chase & BoA over there contactless. If you use a Apple Pay card not from that bank, at ATM it doesn’t allow the transaction.

But if for example you use a Chase Apple Pay card at a Chase ATM, authorises. We’ve came to the conclusion, it must be checking against the bank’s own database of device account numbers. I’m not sure how this could work otherwise... unless Apple is planning on creating a shared Device Account database for all Bank’s/ATM operators...... (No chance aha).

It does leave me wondering though, why the standalone ATM’s in San Antonio Bay are advertising Apple Pay...

It does indeed.

I know contactless is capped at something like 20/25€ but I was surprised about it being a feature on ATMs abroad because we haven’t got it (as such) over here in the UK.

 

[Broken Hope]

Maybe the Disney Store will finally get contactless at some point.

 

[AaronG123]

It does indeed.

I know contactless is capped at something like 20/25€ but I was surprised about it being a feature on ATMs abroad because we haven’t got it (as such) over here in the UK.

It’s not capped at 20/25 euro’s; I paid a couple of large bar bills & restaurant tabs well over this figure aha. Their terminals seem limitless for Apple/Google Pay as default.

 

[iGeek2014]

It’s not capped at 20/25 euro’s; I paid a couple of large bar bills & restaurant tabs well over this figure aha. Their terminals seem limitless for Apple/Google Pay as default.

Sorry, I was always under the impression contactless abroad with a physical card is capped at 20/25€-should've made that clearer in my post.

 

[akash.nu]

It’s not capped at 20/25 euro’s; I paid a couple of large bar bills & restaurant tabs well over this figure aha. Their terminals seem limitless for Apple/Google Pay as default.

Sorry, I was always under the impression contactless abroad with a physical card is capped at 20/25€-should've made that clearer in my post.

It depends on the merchant. Some have unlimited and some are set to the maximum limit that is set by the bank by default.

 

[AaronG123]

It depends on the merchant. Some have unlimited and some are set to the maximum limit that is set by the bank by default.

This... however my experience has generally been, if the merchant accept contactless it is limitless abroad. Where as UK is a minefield... lol

 

[magicMac]

Contactless is two things

* the same functionality as the chip but wireless operation
* a “no cardholder authentication” transaction limit, which in theory could be at 0.

Even with a plastic card you can use contactless in many places above £30/€30. You just have to enter the PIN after tapping the card. It works like this in Morrisons for a £100 grocery shop. Contactless Tap of plastic card followed by a PIN entry.

Terminals that support this option often support Apple Pay transactions of any amount since the terminal is looking for some additional authentication, in the case of Apple Pay, this is the finger print or device passcode.

 

[AaronG123]

Contactless is two things

* the same functionality as the chip but wireless operation
* a “no cardholder authentication” transaction limit, which in theory could be at 0.

Even with a plastic card you can use contactless in many places above £30/€30. You just have to enter the PIN after tapping the card. It works like this in Morrisons for a £100 grocery shop. Contactless Tap of plastic card followed by a PIN entry.

Terminals that support this option often support Apple Pay transactions of any amount since the terminal is looking for some additional authentication, in the case of Apple Pay, this is the finger print or device passcode.

Interesting.... whilst I was aware contactless & Pin is common practise in Europe and occasionally USA. I've never seen it implemented in the UK. Great that Morrisons have implemented this way.

Do you know whether this is true for all readers where the contactless symbol is present over £30?

As I've always wondered how confusing this must be to the 'average Joe public'... Ie... contactless symbol showing, but unable to use card.

We have a local Chinese, with a contactless reader that accepts over £30 contactless transactions (I know... a Chinese that accepts card!)...but they've recently put a sticker on it saying 'Up to £30 contactless' lol. I'm assuming that's due to the confusion we have in the UK.

Another example in a local Indian, asking does your reader accept contactless payments above £30. The answer 'No'. Pushing further, 'Does it accept Apple Pay?', the answer 'Yes'... lol.

 

[magicMac]

Interesting.... whilst I was aware contactless & Pin is common practise in Europe and occasionally USA. I've never seen it implemented in the UK. Great that Morrisons have implemented this way.

Do you know whether this is true for all readers where the contactless symbol is present over £30?

As I've always wondered how confusing this must be to the 'average Joe public'... Ie... contactless symbol showing, but unable to use card.

We have a local Chinese, with a contactless reader that accepts over £30 contactless transactions (I know... a Chinese that accepts card!)...but they've recently put a sticker on it saying 'Up to £30 contactless' lol. I'm assuming that's due to the confusion we have in the UK.

Another example in a local Indian, asking does your reader accept contactless payments above £30. The answer 'No'. Pushing further, 'Does it accept Apple Pay?', the answer 'Yes'... lol.

That’s a good point I don’t know if it’s different outside Europe. This seems to be common in UK and Spain so I guess the whole of Europe except Germany. If a card reader isn’t looking for extra auth (PIN from plastic card or fingerprint from device) then it’s basicslly running older software and will only allow contactless transactions up to £30 (no cardholder verification required), whether that’s with a plastic card or Apple Pay.

You can always tell if a machine is running newer firmware that supports Apple Pay at any amount by looking for the contactless logo on the display during a transaction above £30. At this point you can also tap your card and enter the PIN. It’s basically just a wireless version of the chip. After January 2020, all payment terminals must support this specification, which means Apple Pay everywhere.

 

[Paul_W]

You can always tell if a machine is running newer firmware that supports Apple Pay at any amount by looking for the contactless logo on the display during a transaction above £30.

When I tried to use Apple Pay in Wilkos for £30.50 the reader was still showing Apple Pay on the screen but when I tried to use it, it just beeped an error. I had to then pay by card. I’ve had the same at a beefeater restaurant too

 

[iGeek2014]

Tesco still show the contactless logo on their PIN terminals even when it’s over £30.

Personally I feel don’t display any mobile payment logos unless you accept >£30.

 

[nicho]

Tesco still show the contactless logo on their PIN terminals even when it’s over £30.

If you read the wording displayed on the reader, that's for their contactless club card. It could be confusing, but it's technically not wrong.

 

[magicMac]

If you read the wording displayed on the reader, that's for their contactless club card. It could be confusing, but it's technically not wrong.

No this is actually in many places. If the terminal is running the latest specification, you can tap your card over £30 and then enter you PIN to authenticate.

 

[scottish]

I was at Costco today and just as I inserted my card I saw the contactless symbol flash up. I paid by chip and pin but will be looking forward to using contactless next time. The cashier confirmed there isn't a limit which isn't surprising considering it's Costco!

 

[nicho]

No this is actually in many places. If the terminal is running the latest specification, you can tap your card over £30 and then enter you PIN to authenticate.

No I’m specifically talking about Tesco where it displays the words “tap your contactless club card or insert your payment card” alongside a contactless logo for transactions upwards of £30.

 

[iGeek2014]

No I’m specifically talking about Tesco where it displays the words “tap your contactless club card or insert your payment card” alongside a contactless logo for transactions upwards of £30.

Yes. Once you’ve scanned your contactless Clubcard and spent over £30 you’d think the logo would disappear.

 

[nicho]

Yes. Once you’ve scanned your contactless Clubcard and spent over £30 you’d think the logo would disappear.

I don't have a clubcard, but yes ideally it should refresh to simply saying "Insert your payment card" sans contactless logo. However, making it work that way would probably be harder than just enabling proper authentication and limitless apple pay... so here's hoping!

 

[iGeek2014]

As I work for Tesco all I can suggest is either contacting them via the website or using the URL at the bottom of your receipt to keep feeding it back....

 

[Furzul]

I have just been over charged at M@S by £5.00. it went back on my card via Apple Pay, no problem. very impressed.

 

[4254126]

Been in London this last week and wanted to use my AP enabled cards for TfL. HSBC worked, so did Monzo. Nationwide didn't. Is that a known problem or is it just me?

 

[iGeek2014]

Been in London this last week and wanted to use my AP enabled cards for TfL. HSBC worked, so did Monzo. Nationwide didn't. Is that a known problem or is it just me?

I’ve not seen anything posted online anywhere but could have been a problem with Nationwide’s systems?

Did your Nationwide card work anywhere else you used AP?

 

[Shanghaichica]

I’ve not seen anything posted online anywhere but could have been a problem with Nationwide’s systems?

Did your Nationwide card work anywhere else you used AP?

I’ve never used my nationwide card on TFL but I use it exclusively with Apple Pay and since 2016 it’s never failed.

 

[4254126]

I've never had a problem with it. Never failed for me. Tried again today: TfL won't work. Will need to get in touch with Nationwide, was "hoping" that it might be a temporary problem affecting others...