Apple Pay Apple Pay in the UK

[JaJaWa]

Yes someone did say iOS 9 will sort it, but I'd like a link to how if someone has it, given say I'm sure waitrose's scanners aren't up to muster in scanning a phone/watch screen. Linking my loyalty cards somehow in with my payment cards and just having to perform the contactless 'tap' action sounds perfect, but I'm unsure how an iOS upgrade will sort out what feels to also be an issue with old scanners in retail?

iOS 9 brings transmitting the loyalty card with the payment card over NFC in the US. Hopefully we'll see that here in the UK one day!

At the moment I keep all these cards in an app called Stocard. If they won't scan and you ask nicely, the cashier will normally type in the number for you.

iOS 9 also brings 2D barcodes to Passbook/Wallet so I'll be able to store them all in there then!

 

[shandyman]

Yes someone did say iOS 9 will sort it, but I'd like a link to how if someone has it, given say I'm sure waitrose's scanners aren't up to muster in scanning a phone/watch screen. Linking my loyalty cards somehow in with my payment cards and just having to perform the contactless 'tap' action sounds perfect, but I'm unsure how an iOS upgrade will sort out what feels to also be an issue with old scanners in retail?

Apparently it's in the keynote.

 

[reclusive46]

Yes someone did say iOS 9 will sort it, but I'd like a link to how if someone has it, given say I'm sure waitrose's scanners aren't up to muster in scanning a phone/watch screen. Linking my loyalty cards somehow in with my payment cards and just having to perform the contactless 'tap' action sounds perfect, but I'm unsure how an iOS upgrade will sort out what feels to also be an issue with old scanners in retail?

It works by effectively making the loyalty card an NFC card on your phone as well. No barcode is scanned. Whenever your phone is presented for payment, it'll recognise that the terminal supports the particular loyalty card (It'll ask the terminal for the Application IDs it supports, you'll notice when you pay by card (Via Insert or Tap (Not swiping though)) it'll say AID, Visa, MasterCard and Amex all have their own as well). If your phone has one of the matching Loyalty cards, it'll then present that first and then you can pay with a card afterwards.

 

[work3d]

I imagine if the loyalty cards are contactless, it will offer the loyalty card first, then payment. Usually the cards can be added at pretty much any point of the transaction.

Hopefully this is how TFL will add the oyster card to wallet.

 

[frostmd]

Hopefully this is how TFL will add the oyster card to wallet.

I don't believe the Oyster Card will ever be added to Wallet as it's the card itself that stores your money.

TfL REALLY REALLY want you to use Contactless as it's cheaper for them compared to Oyster but they will have to offer Oysterlike products (such as travel cards) on the Contactless system (which they intend to do in future...)

 

[shandyman]

I don't believe the Oyster Card will ever be added to Wallet as it's the card itself that stores your money.

TfL REALLY REALLY want you to use Contactless as it's cheaper for them compared to Oyster but they will have to offer Oysterlike products (such as travel cards) on the Contactless system (which they intend to do in future...)

Starbucks card in Passbook/Wallet has the money on it too.

Oyster needs to expand, both to mobile devices and outside London.

 

[frostmd]

Starbucks card in Passbook/Wallet has the money on it too.

Oyster needs to expand, both to mobile devices and outside London.

The Starbucks card is a totally different thing to Oyster. Like I said, the Oystercard physically stores your "money", the Starbucks card is just a number linked to your balance.

It's more likely you'll see the same Contactless system that TfL developed elsewhere (or standard ITSO cards) rather than the more proprietary Oyster outside of London.

There's a long way to go on that transport front though...

 

[work3d]

The Starbucks card is a totally different thing to Oyster. Like I said, the Oystercard physically stores your "money", the Starbucks card is just a number linked to your balance.

It's more likely you'll see the same Contactless system that TfL developed elsewhere (or standard ITSO cards) rather than the more proprietary Oyster outside of London.

There's a long way to go on that transport front though...

Couldn't TFL create the Oyster card as a payment card and any money you have or travel cards linked to you device number or oyster card number?

 

[Blujelly]

I asked this on a previous thread, and I hope this hasn't been mentioned on here, but will iOS 9 beta affect Apple Pay? Or do we think it will be ok but maybe glitchy?

 

[frostmd]

Couldn't TFL create the Oyster card as a payment card and any money you have or travel cards linked to you device number or oyster card number?

Why would they bother when folk have perfectly good payment cards out there issued by the banks?

Once TfL roll out travel cards and the equivalent Oyster products to Contactless Payment Cards in the future, there will be less and less need for an Oyster card. They're not going away altogether, but TfL want you to pay using CPCs as they pay much less to the banks for the privilege compared to the percentage of every pound that is put through they Oyster system.

 

[jakeround98]

I asked this on a previous thread, and I hope this hasn't been mentioned on here, but will iOS 9 beta affect Apple Pay? Or do we think it will be ok but maybe glitchy?

I doubt it iOS 9 will affect the use of Apple Pay here in the UK mainly because Passbooks/Wallet are both connected to the same Json URL, meaning once the Json file has been updated on apples servers it will automatically push Apple Pay to supported devices without any updates. A developer confirmed this via Twitter. Hope it helps and roll on Tuesday 14th hehe

 

[TwiceNightly]

I doubt it iOS 9 will affect the use of Apple Pay here in the UK mainly because Passbooks/Wallet are both connected to the same Json URL, meaning once the Json file has been updated on apples servers it will automatically push Apple Pay to supported devices without any updates. A developer confirmed this via Twitter. Hope it helps and roll on Tuesday 14th hehe

Does that mean that I could install the iOS 9 public beta and still get Apple Pay on Tuesday? I've been holding off as I wasn't sure and Apple Pay is more important than the beta

 

[work3d]

Does that mean that I could install the iOS 9 public beta and still get Apple Pay on Tuesday? I've been holding off as I wasn't sure and Apple Pay is more important than the beta

I downloaded the beta myself, but not before making up an encrypted backup via iTunes. If it doesn't work I can just go back to 8.4 anyway.

 

[spottypaws]

Looks like iZettle think it's coming very soon!

Really impressive little device actually, an independent cafe near by use it with an iPad as their till, always works seamlessly.

 

[iGeek2014]

iOS 9 brings transmitting the loyalty card with the payment card over NFC in the US. Hopefully we'll see that here in the UK one day!

At the moment I keep all these cards in an app called Stocard. If they won't scan and you ask nicely, the cashier will normally type in the number for you.

iOS 9 also brings 2D barcodes to Passbook/Wallet so I'll be able to store them all in there then!

I know I won't be the first to have suggested it but I raised the idea of Clubcard for Passbook with their Twitter team; they said they had no plans to launch such a service but given the

Does that mean that I could install the iOS 9 public beta and still get Apple Pay on Tuesday? I've been holding off as I wasn't sure and Apple Pay is more important than the beta

I've installed the public Beta of iOS 9 on my Air 2 and Wallet is listed under Location Services section of the Settings Menu so once Apple update the file mentioned above I think we'll be able to use it just fine.

 

[Michael Clarke]

Man I am so pumped for this now... these four days are gonna be long!

 

[shandyman]

Does that mean that I could install the iOS 9 public beta and still get Apple Pay on Tuesday? I've been holding off as I wasn't sure and Apple Pay is more important than the beta

Ive got the beta installed and the location change workaround gave me the same results as 8.4 did, giving me HSBC's T&C's before saying to contact the issuer, so I think it's safe to say we're gonna be ok.

 

[FatherOfTwo]

So when we say 14th are people expecting to wake up on the 14th and Apple Pay is working or is this gong to be a wait and wait and wait scenario until California comes online and flicks the switch?

 

[shandyman]

So when we say 14th are people expecting to wake up on the 14th and Apple Pay is working or is this gong to be a wait and wait and wait scenario until California comes online and flicks the switch?

Could easily be either. If it's Cupertino time, then it's 5pm our time. Unless they make an official announcement of a launch day, then it's probably that. If they say it's officially 14th, then I expect it to be by the time I wake up on 14th.

 

[Totalkharnage]

Could easily be either. If it's Cupertino time, then it's 5pm our time. Unless they make an official announcement of a launch day, then it's probably that. If they say it's officially 14th, then I expect it to be by the time I wake up on 14th.

This isn't reliant on Apple to implement anything other than a simple code change so Passbook shows you the option to add a card (as switching regions to US does now). No software update required.

What is required is for each bank to switch on the tokenisation process and allow you too add your card. That's why the process isn't completing now. I'm predicting very early hours of Tuesday so when you wake up, it'll be live.

Edit: realised you said the same thing. Doh!

Is it Tuesday yet....

 

[amirite]

I'm in the U.S., will I have a £20 limit using my UK debit card? I assume I won't but you never know...

 

[Monty Pavement]

apple store staff training on Apple Pay is happening today (Saturday) which bodes well for Tuesday launch.

 

[pjh]

I'm in the U.S., will I have a £20 limit using my UK debit card? I assume I won't but you never know...

That's a good question and something I never thought off. I guess it'll all be to do with how the back end of the transaction is processed? As this all involves tokenisation, I assume if you're abroad there will be no change and you'll still be limited to whatever amount your bank imposes?

On the plus side, as the terminal software is updated in the UK, we can expect UK banks to relax the limit.

 

[stridemat]

I'm in the U.S., will I have a £20 limit using my UK debit card? I assume I won't but you never know...

That's a good question and something I never thought off. I guess it'll al be to do with how the back end of the transaction is processed? As this all involves tokenisation, I assume if you're abroad there will be no change?

Correct me if I'm wrong but I think it's currently a limitation on the software on the terminals. So you would think American people would have the limitation when visiting the UK.

 

[magicMac]

Since BP are on the list of Apple pay launch partners in the UK, I wonder if that means you can use Apple Pay at the pay at pump?