I just say either by contactless or more often by card and then just use my watch to pay. I don’t usually try Apple Pay for over £30 unless I know that the store accepts it.
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Apple Pay UK Retailers that allow transactions over £30
- Thread starter James_C
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Not sure if anyone watches this thread anymore, but added Fenwick and Oak furnitureland to the list.
I tried to use Apple Pay in Argos last week on a self service koisk. Despite the screen boasting support for Apple Pay, the attached Verifone reader was not responding to my phone. Its screen just said "INSERT CARD".
I posted on the really big thread about this but I was just in London and used ApplePay over ￡30 in a bunch of places. I'm an American using an American credit card. Is that way it was never denied? I used it at Sainsbury, Hawksmoor, Berner's Tavern, Randall & Aubin, numerous black cabs, Lush, Selfridges all over ￡30
Sainsbury’s allow for payments over £30 with Apple Pay. I’ve done it lots of times. I don’t know about the other stores though.
Argos is on the list but it didn't accept Apple Pay when I spent £49 the other day, I had to use my card because it failed.
I would think an individual transaction issue as I frequently use ApplePay for >£30 transactions in Aldi (£57 earlier this week iirc).
Strange, it did say successful on my watch when I first did it but then the terminal said insert card and my wallet app says the transaction was declined. I used it 4 other places the same day but they were all under £30.
Ikea declined my £101 purchase recently, but I've used Apple Pay over £30 there before, so perhaps the limit is £100.
Jet Petrol Garages also support transactions over £30. I paid for fuel of £48 with Apple Pay today.
On a side note, I received a message from my bank today, saying due to changes in the law, contactless payments must require a PIN after 5 uses or after a certain amount (whichever comes first with an exemption for TfL and parking). How does this affect Apple Pay? These new regulations are to protect against fraud, which makes sense, I have always thought contactless cards as insecure, you can just take anyone’s card and start tapping away, obviously banks are aware of this which is why there is a £30 limit. Although Apple Pay requires Face ID, Touch ID, or passcode, and the Watch only works if the phone has unlocked it or you unlock it with a PIN. In an ideal world more people would use Apple and Android Pay and more people would demand limits be lifted in all retailers and we get the convenience of contactless with the additional security.
On a side note, I received a message from my bank today, saying due to changes in the law, contactless payments must require a PIN after 5 uses or after a certain amount (whichever comes first with an exemption for TfL and parking). How does this affect Apple Pay? These new regulations are to protect against fraud, which makes sense, I have always thought contactless cards as insecure, you can just take anyone’s card and start tapping away, obviously banks are aware of this which is why there is a £30 limit. Although Apple Pay requires Face ID, Touch ID, or passcode, and the Watch only works if the phone has unlocked it or you unlock it with a PIN. In an ideal world more people would use Apple and Android Pay and more people would demand limits be lifted in all retailers and we get the convenience of contactless with the additional security.
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