Apple Pay Apple Pay in the UK

[Donfor39]

Second Subway I've been to where their readers didn't authorise my Apple Pay. No idea why. Had to use Chip & Pin, the horror!

I had a sub last week via iPhone.

Not sure why yours failed, please post if you find the reason.

 

[bigchrisfgb]

Sainsbury's has had contactless readers for ages and they keep saying they'll enable them "soon" - I'll believe it when I see it.

Well I work for the company so I have a little more insight than others. They have had contactless machines for a while but the till system that is used in most stores (all supermarkets) can't use it. Currently they are rolling out a new till system (a lot of local stores have this) which should be complete this year. This till system is capable of using contactless. The company do not want a situation where they have one store that has the new till system that accepts contactless and Apple Pay and a store down the road that doesn't. They believe that because a large pot option of customers use more than 1 store that it will lead to confusion when accepting payments and that it will be better to make the rollout national.

 

[AllieNeko]

Well I work for the company so I have a little more insight than others. They have had contactless machines for a while but the till system that is used in most stores (all supermarkets) can't use it. Currently they are rolling out a new till system (a lot of local stores have this) which should be complete this year. This till system is capable of using contactless. The company do not want a situation where they have one store that has the new till system that accepts contactless and Apple Pay and a store down the road that doesn't. They believe that because a large pot option of customers use more than 1 store that it will lead to confusion when accepting payments and that it will be better to make the rollout national.

Is the new system the one they have at Brunswick? The self checkout is really confusing on it.

 

[bigchrisfgb]

Is the new system the one they have at Brunswick? The self checkout is really confusing on it.

As far as I'm aware no store with selfscans have the new system. It's very unlikely customers will be able to notice the new system, I think the best way of noticing is seeing if your receipt has a barcode on. That barcode is aimed to make it easier for returns, and to prevent fraud on nectar cards.

 

[Donfor39]

As far as I'm aware no store with selfscans have the new system. It's very unlikely customers will be able to notice the new system, I think the best way of noticing is seeing if your receipt has a barcode on. That barcode is aimed to make it easier for returns, and to prevent fraud on nectar cards.

New credit card 5-10 days Tesco foundation, 1st Apple pay compatible credit card, might use this for fuel or groceries.

 

[AllieNeko]

As far as I'm aware no store with selfscans have the new system. It's very unlikely customers will be able to notice the new system, I think the best way of noticing is seeing if your receipt has a barcode on. That barcode is aimed to make it easier for returns, and to prevent fraud on nectar cards.

I've never seen a Sainsburys without self checkout... The one at the Brunswick has a completely different and more modern self checkout to anywhere else. Still no contactless tho. And confusing menus for item lookup.

 

[bigchrisfgb]

I've never seen a Sainsburys without self checkout... The one at the Brunswick has a completely different and more modern self checkout to anywhere else. Still no contactless tho. And confusing menus for item lookup.

I think all supermarkets have self scans, but not all local ones do. The last I heard the roll out hadn't happened with the stores that have self scans (even newly opened stores), and it hasn't happened at supermarkets yet.

 

[AllieNeko]

I think all supermarkets have self scans, but not all local ones do. The last I heard the roll out hadn't happened with the stores that have self scans (even newly opened stores), and it hasn't happened at supermarkets yet.

The one at the Brunswick is a tiny local one. The self checkout is unlike any other Sainsburys. It looks nicer but the buttons are in different places and it's more cluttered. I asked and they said they are a trial store for a new system. I asked how Sainsburys could create a new system that still doesn't support contactless and they claimed it's coming soon. But that is always their claim. I'll believe it the day I see it. Or don't. Now that I have an iPhone I'm avoiding places contactless doesn't work (or contactless does but not Apple Pay, e.g. McDonald's).

 

[iGeek2014]

The one at the Brunswick is a tiny local one. The self checkout is unlike any other Sainsburys. It looks nicer but the buttons are in different places and it's more cluttered. I asked and they said they are a trial store for a new system. I asked how Sainsburys could create a new system that still doesn't support contactless and they claimed it's coming soon. But that is always their claim. I'll believe it the day I see it. Or don't. Now that I have an iPhone I'm avoiding places contactless doesn't work (or contactless does but not Apple Pay, e.g. McDonald's).

Granted a lot of McDonald's are franchises but I used Apple Pay in one the other week with no problems.

 

[magicMac]

Granted a lot of McDonald's are franchises but I used Apple Pay in one the other week with no problems.

Strange how I've been using Apple Pay since launch in the UK and never had it fail on me and wondered what an earth people are doing to make it fail, then a few weeks ago it didn't work for me in McDonald's. I also noticed how mcdonalds has been removed from the UK Apple Pay page, sounds like they're specifically disabling it. No problem I will just get lunch at subway, pret and M&S instead.

 

[AllieNeko]

Strange how I've been using Apple Pay since launch in the UK and never had it fail on me and wondered what an earth people are doing to make it fail, then a few weeks ago it didn't work for me in McDonald's. I also noticed how mcdonalds has been removed from the UK Apple Pay page, sounds like they're specifically disabling it. No problem I will just get lunch at subway, pret and M&S instead.

It is an issue with the ability to go online for American Express cards. It works fine with Visa and MasterCard. Very disappointing they don't fix it, though...

 

[magicMac]

It is an issue with the ability to go online for American Express cards. It works fine with Visa and MasterCard. Very disappointing they don't fix it, though...

I was using a visa credit card. But yeah i suspected it was something to do with not being online. I think Apple Pay can work offline as well (on the aeroplane for example) but I've yet to see it.

 

[AllieNeko]

I was using a visa credit card. But yeah i suspected it was something to do with not being online. I think Apple Pay can work offline as well (on the aeroplane for example) but I've yet to see it.

Apple Pay cannot work offline. It can work with deferred authorisation (e.g. note that when you tap in on the tube you get a notification instantly, but it's delayed a few minutes on a bus) but that isn't the same as the card actually approving - and guaranteeing - the transaction. I'm 99% sure that is what's happening at McDonald's - it either isn't able to go online at all for Amex contactless cards or something is preventing it from doing so with Apple Pay.

P.S. this doesn't explain your issue with a Visa card. I find that bizarre. My Lloyd's Visa Debit doesn't work in Apple Pay at Greggs, but my US-issued Bank of America Visa credit works fine.

 

[dbrose]

That's really strange I have used loads of McDonalds around the country and I have never once had Apple Pay fail.

 

[AllieNeko]

That's really strange I have used loads of McDonalds around the country and I have never once had Apple Pay fail.

You don't get the message "Bank Security Check - Use Card As Prompted" when you use an Amex card with Apple Pay? Given the nature of the message, I think it means it can't go online, as normally a "bank security check" is from the UK's days of offline-only contactless and thus the need for periodic insertion.

 

[AlecEdworthy]

You don't get the message "Bank Security Check - Use Card As Prompted" when you use an Amex card with Apple Pay? Given the nature of the message, I think it means it can't go online, as normally a "bank security check" is from the UK's days of offline-only contactless and thus the need for periodic insertion.

I got that on Sunday. Inserted the card, proceeded as a normal Chip and PIN transaction and got the confirmation in seconds as usual. First time since adding my AmEx card to Apple Pay a month ago.

A

 

[iGeek2014]

I've had a couple of instances where the terminal has asked me to insert the card when using Apple Pay.

In The Co-Op & Tesco Metro it said something along the lines of "please insert your card".

 

[AllieNeko]

I've had a couple of instances where the terminal has asked me to insert the card when using Apple Pay.

In The Co-Op & Tesco Metro it said something along the lines of "please insert your card".

Sounds like the same issue as McDonald's. My understanding is that all three of these places don't allow Apple Pay with American Express. We need to all write to them and push them to fix it. Along with places like Superdrug and Starbucks that don't allow ANY Amex contactless.

 

[magicMac]

Apple Pay cannot work offline. It can work with deferred authorisation (e.g. note that when you tap in on the tube you get a notification instantly, but it's delayed a few minutes on a bus) but that isn't the same as the card actually approving - and guaranteeing - the transaction. I'm 99% sure that is what's happening at McDonald's - it either isn't able to go online at all for Amex contactless cards or something is preventing it from doing so with Apple Pay.

P.S. this doesn't explain your issue with a Visa card. I find that bizarre. My Lloyd's Visa Debit doesn't work in Apple Pay at Greggs, but my US-issued Bank of America Visa credit works fine.

An offline card transaction IS a deferred transaction. They are the same thing.

 

[dbrose]

You don't get the message "Bank Security Check - Use Card As Prompted" when you use an Amex card with Apple Pay? Given the nature of the message, I think it means it can't go online, as normally a "bank security check" is from the UK's days of offline-only contactless and thus the need for periodic insertion.

Ah with Amex yes but not with Visa or MC like others reported.

 

[AllieNeko]

An offline card transaction IS a deferred transaction. They are the same thing.

No it isn't. In an offline transaction the card is able to fully vouch for itself and that's that. Deferred authorisation is simpler and the merchant takes the risk the card will be declined later.

 

[Manatlt]

You don't get the message "Bank Security Check - Use Card As Prompted" when you use an Amex card with Apple Pay? Given the nature of the message, I think it means it can't go online, as normally a "bank security check" is from the UK's days of offline-only contactless and thus the need for periodic insertion.

I got this message on two (out of countless) McDonalds visits with my Apple Pay Barclays Debit.

However when I attempt to do the payment again through Apple Pay, it goes through fine.

 

[Manatlt]

Double post

 

[magicMac]

No it isn't. In an offline transaction the card is able to fully vouch for itself and that's that. Deferred authorisation is simpler and the merchant takes the risk the card will be declined later.

There are only two modes - an offline transaction or an online transaction. If the transaction is offline and you go over your overdraft or credit limit then your bank charge a fee and the interest rate sky rockets until you clear it. The bank still pay the merchant, it costs more for a merchant to process the transaction to avoid this kind of situation. Some cards like VISA electron are online only cards and can't be used on aeroplanes, some fuel pumps and by hotels without chip and pin (the ones that still stamp the embossed numbers!).

 

[Donfor39]

Thinking 5 days in advance, how is Apple pay with more than 1 card?

I suppose I get to choose which card to use per transaction.

Looking forward to Tesco strawberries logo via Apple pay