Apple Pay Apple Pay in the UK

[Crazy Badger]

I used my First Direct VISA Credit Card for the first time last week at McDonalds - very straight forward.

Just added my Halifax MasterCard Credit Card and hope to use on a trip to the US next month

Well, after a few months I've only used Apple Pay twice, both times at McDonalds

What it has changed is the amount of times I've tapped another payment card rather than entering my PIN, which is well into double figures. Before Apple Pay, I hadn't done this once!

 

[Richy23]

When setting up Apple Pay with Lloyds, it says I need to phone them to verify. Is this an automated service or will I have to wait and speak to an advisor? Thank you!

 

[markhort]

When setting up Apple Pay with Lloyds, it says I need to phone them to verify. Is this an automated service or will I have to wait and speak to an advisor? Thank you!

I didn't have to do that. They send me a code to my mobile. Do you not have a text message option?

 

[skwood]

When setting up Apple Pay with Lloyds, it says I need to phone them to verify. Is this an automated service or will I have to wait and speak to an advisor? Thank you!

It isn't automated but it's very quick. Be prepared to answer some questions about your credit history as well as the standard ones.

 

[Furzul]

I didn't have to do that. They send me a code to my mobile. Do you not have a text message option?

When I set mine up, for some reason with the debit cards, I got the choice of doing it by phone or text. However, with the credit cards, I could only do it by phone.

 

[markhort]

When I set mine up, for some reason with the debit cards, I got the choice of doing it by phone or text. However, with the credit cards, I could only do it by phone.

Oh right I see, must be a different process on credit cards. I haven't bothered adding my Lloyds credit card.

 

[Mr.C]

Oh right I see, must be a different process on credit cards. I haven't bothered adding my Lloyds credit card.

I think Lloyds is the only bank in the UK that requires a phone call to provision credit cards for ApplePay

 

[Browno01]

I think Lloyds is the only bank in the UK that requires a phone call to provision credit cards for ApplePay

Erm, mine didn't...

 

[cjmillsnun]

I think Lloyds is the only bank in the UK that requires a phone call to provision credit cards for ApplePay

Nope, had to do it for First Direct. At the time my account was less than a month old.

 

[Mr.C]

Erm, mine didn't...

I'm referring to credit cards not debit cards. Also there have been several posts by Lloyds credit card owners saying they had to call. The same thing wasn't necessary when they tried to provision their debit card.

 

[Mr.C]

Nope, had to do it for First Direct. At the time my account was less than a month old.

If I'm not mistaken First Direct is the same as HSBC in which case you shouldn't have had to call to provision the card.

 

[Browno01]

I'm referring to credit cards not debit cards. Also there have been several posts by Lloyds credit card owners saying they had to call. The same thing wasn't necessary when they tried to provision their debit card.

Yeah, i'm referring to Credit too. My credit card AND debit card activated via a text.

 

[Furzul]

Yeah, i'm referring to Credit too. My credit card AND debit card activated via a text.

On Lloyds? I am surprised, I have put mine on my phone and iPad twice, and both times with the Credit card I had to phone up, no text option.

 

[iGeek2014]

When I added my Lloyds Visa Debit and American Express/MasterCard Duo cards I had the option to dial a number or receive a verification text (iPhone, iPad and Watch).

Wonder if it's some kind of security feature?

 

[markhort]

When I added my Lloyds Visa Debit and American Express/MasterCard Duo cards I had the option to dial a number or receive a verification text (iPhone, iPad and Watch).

Wonder if it's some kind of security feature?

Seems like for newish accounts you have to call them, rather than just giving you both options. A couple of friends who have recently joined Lloyds needed to call (no text option) Where I've been a customer for a while gave me both options.

 

[Aniseedvan]

Confusion reigns in the post office.. Well actually our village post office has recently closed and it's moved into the village shop. Had £21 worth of postage to pay for some parcels. Asked whether their contactless limit had gone up to £30, met with blank looks. Said let's give it a go to try. Presented watch, young lad said we don't take apple pay here, had to explain that any regular contactless works. Ingenico pad wasn't flashing and only prompted for insert card, so I guess the answer is they haven't updated to £30 yet. It's hard to say as the other tills are ingenico's but a different model and they don't take contactless at all. Old post office did Not my finest apple pay hour...

 

[KrisLord]

Confusion reigns in the post office.. Well actually our village post office has recently closed and it's moved into the village shop. Had £21 worth of postage to pay for some parcels. Asked whether their contactless limit had gone up to £30, met with blank looks. Said let's give it a go to try. Presented watch, young lad said we don't take apple pay here, had to explain that any regular contactless works. Ingenico pad wasn't flashing and only prompted for insert card, so I guess the answer is they haven't updated to £30 yet. It's hard to say as the other tills are ingenico's but a different model and they don't take contactless at all. Old post office did Not my finest apple pay hour...

Similar issue at our local H&M store. They take contactless but terminal didn't offer it for a £28 transaction. You'd think national retailers could sort the new limit now it's been 2 months!

 

[shandyman]

Similar issue at our local H&M store. They take contactless but terminal didn't offer it for a £28 transaction. You'd think national retailers could sort the new limit now it's been 2 months!

My local post office in Newbury has 6 or so ingenico ones, all are not activated for contactless of any kind. What's the point of them having them?!

Also, my local Starbucks have swapped their contactless machines for non contactless ones, much to the ire of the entire morning commuters

 

[Aniseedvan]

We ate in Jamie's Italian on Saturday. Asked if they accepted Apple Pay (bill was £60), "yes only under £20". I did think but didn't say "well that's just normal contactless then" - figured they wouldn't understand if I'd said it!

 

[MLJH]

My local post office in Newbury has 6 or so ingenico ones, all are not activated for contactless of any kind. What's the point of them having them?!

Also, my local Starbucks have swapped their contactless machines for non contactless ones, much to the ire of the entire morning commuters

That annoyed me too, I would like to know the thought prcoess that went it to removing the contactless machines from Starbucks, yet another reason to go to Costa across the road.

 

[Furzul]

Seems like for newish accounts you have to call them, rather than just giving you both options. A couple of friends who have recently joined Lloyds needed to call (no text option) Where I've been a customer for a while gave me both options.

I have been with Lloyds for more years than I care to remember. My debit cards can be verified by text, but the credit cards can only be verified by phone. Very strange

 

[shandyman]

That annoyed me too, I would like to know the thought prcoess that went it to removing the contactless machines from Starbucks, yet another reason to go to Costa across the road.

The staff hinted that it was to encourage people to use a Starbucks card.

 

[MLJH]

The staff hinted that it was to encourage people to use a Starbucks card.

Ah right, I can see that working for some people. If you enjoy a Starbucks before work and the only way to pay "contactless" is thorugh their own app then people will probably use the Starbucks card more. I used to use one, as soon as Apple Pay came I stopped.

 

[shandyman]

Ah right, I can see that working for some people. If you enjoy a Starbucks before work and the only way to pay "contactless" is thorugh their own app then people will probably use the Starbucks card more. I used to use one, as soon as Apple Pay came I stopped.

I use it, and use Apple Pay to top it up, as I get free syrup and a free drink every couple weeks. It's just crap for those that want to use proper contactless tho.

 

[iGeek2014]

Heads up for anyone with the Santander 123 card. Between now and the end of February 2016 you can earn 3% cash back on Apple Pay transactions (capped at £100 per month).