Thanks. That’s interesting and I guess makes sense. I do have a monthly pass so I use an Oyster card. And I know some people claiming unemployment benefit can get 50% off travel and need an Oyster card. Still it would be nice if I could have a virtual electronic Oyster card in my Apple wallet.
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Apple Pay Apple Pay in the UK
- Thread starter RDowson
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Thanks. That’s interesting and I guess makes sense. I do have a monthly pass so I use an Oyster card. And I know some people claiming unemployment benefit can get 50% off travel and need an Oyster card. Still it would be nice if I could have a virtual electronic Oyster card in my Apple wallet.
Aside from the child ones, you'd think the others would be achievable through smarter capping. Monthly and annual capping. Same for other discounts.
I guess it's ahead of the MasterCard Mandate coming in 2020 whereby payment terminals have to be contactless enabled.
But do they accept Apple Pay and contactless in general in their stores as last time I checked they didn’t. 🤔
They do, in fact Waitrose is one of the relatively few places where there's no obvious cap on Apple Pay payments.
Ann summers and Victoria’s Secret didn’t take contactless when I was there last time. ¯\_(ツ)_/¯
It was embarrassing because I didn’t have my card on me.
It was embarrassing because I didn’t have my card on me.
Just tried to pay for a Apple Watch 4 (on the online Apple store) for the wife using Apple Pay (£319). It said the transaction was declined, then I paid with the same CC without Apple Pay and it sailed through. This was on my Lloyd’s CC, does anybody know what limit Lloyd’s puts on Apple Pay?
I had the same issue when I ordered my AirPod Pros and had to go down the Visa card route. That was Lloyds as well. I need to pop in to Lloyds tomorrow so I will ask them if there is a limit
Just been on the phone to them. They think there is a limit on Apple pay, but not sure how much. I tried to explain that Apple Pay is more secure than putting my CC details in on the internet, but to be honest I can get more sense talking to my spaniel.
Went to Rymans yesterday and they did not even allow contactless. What! Had to remember my PIN.
Apple it self has no limit on it’s online store or retail stores so it’s strange a bank would put a limit on transactions with Apple. 🤔
As far as I know there is no word from Apple on that yet. I would guess sometime next year. They’re probably working on all the details for the U.K. launch. I would definitely like to get one.
On Lloyds' website for Apple Pay it says the following:
To protect you from fraud, we may restrict the value or number of payments you can make using Apple Pay, so please make sure you carry your debit and credit cards with you just in case. Some retailers will also limit individual payments to £30.
As posted before from next year I *think* retailers have to offer contactless payments as part of some form of mandate from MasterCard?
To protect you from fraud, we may restrict the value or number of payments you can make using Apple Pay, so please make sure you carry your debit and credit cards with you just in case. Some retailers will also limit individual payments to £30.
As posted before from next year I *think* retailers have to offer contactless payments as part of some form of mandate from MasterCard?
When I phoned Lloyd’s last night to inquire about this, the chap I talked to did say that a debit card was limitless, but a CC had a limit on it, although he did not sound to sure. Could it be something to do with what Lloyd’s would have to pay out on a debit vs a CC in the case of fraud?
Apple Pay linked to a lloyds debit card is not limitless for me as I couldn't pay for Airpods Pro through the Apple store. I hope to sort that out with lloyds on saturday
I can't find that but on Lloyds site, they say
"To protect you from fraud, we may restrict the value or number of payments you can make using Apple Pay, so please make sure you carry your debit and credit cards with you just in case. Some retailers will also limit individual payments to £30."
It may be possible to change the spending limit through a personal request. I will speak to them on Saturday and see what they say
I have definitely used Apple pay to pay for a pair of glasses from Specsave, they were £118.
I find it silly that Lloyds would restrict it, Apple Pay is the most secure payment method there is if I am not mistaken. It can't be skimmed like using a physical card, you need your fingerprint or face to be able to use it, opposed to someone to guessing a PIN or just having the physical card in their possession - makes no sense why they'd do that, to me at least.
Because it’s a black box and not a proprietary technology. This means to test and confirm it’s fit for purpose. Until then I guess they have to restrict to mitigate the risk.