High value UK Apple Pay outlets

[Pagemakers]

In the UK the contactless limit has increased from £20-£30 from today.

Has anybody managed to spend above this regular contactless limit yet?

If so, where?

 

[JUiCEJamie]

Anywhere that has an Apple Pay symbol [Pay logo] (rather than just a contactless “)))” symbol) there is NO limit, because your fingerprint is used in place of your PIN.

 

[OllyW]

Anywhere that has an Apple Pay symbol [Pay logo] (rather than just a contactless “)))” symbol) there is NO limit, because your fingerprint is used in place of your PIN.

Sadly that isn't true.

Limit on Apple Pay and other contactless payments rises to £30 in the UK

 

[Pagemakers]

There is an apple pay symbol in Waitrose but I still think their limit is the same as the contactless limit.

 

[yourmn]

The co-op have removed the limit for Apple Pay from today

 

[Pagemakers]

The co-op have removed the limit for Apple Pay from today

They need to update their website then

http://www.co-operativefood.co.uk/in-store-services/apple-pay/

 

[Flunkyturtle]

The co-op have removed the limit for Apple Pay from today

It's not based on what the merchant will accept, it's whether the issuer will provide an authorization.

The mandate for UK transactions is now £30

An Issuer should not provide an auth for anything over this amount as they are breaking EU payment council scheme rules.

 

[Pagemakers]

It's not based on what the merchant will accept, it's whether the issuer will provide an authorization.

The mandate for UK transactions is now £30

An Issuer should not provide an auth for anything over this amount as they are breaking EU payment council scheme rules.

Not sure you are correct….

https://www.pret.co.uk/en-gb/apple-pay-launches-at-pret

 

[Farsider]

I don't understand the point of Waitrose and others being launch partners if they still retain the generic contactless limit. What was the point of being a launch partner as there is nothing that differentiates them between other retailers that accept contactless........an opportunity for free advertising from them no doubt!

 

[JUiCEJamie]

I don't understand the point of Waitrose and others being launch partners if they still retain the generic contactless limit. What was the point of being a launch partner as there is nothing that differentiates them between other retailers that accept contactless........an opportunity for free advertising from them no doubt!

The point being that these stores don't have the Contactless Cap of £30. Just be careful though, that some users are having trouble with these limits, and it appears that some stores are hit and miss.

I've had payments over £20 at the Apple Store with Apple Pay. Pre-a-Manger and at Nando's too. Yet, I've read that some users have struggled at M&S etc..

I'm sure these problems will be ironed out soon. But I'm also very sure that the intention of this promotion of stores on the Apple Pay website is because they don't have a cap limit.

 

[Farsider]

The point being that these stores don't have the Contactless Cap of £30.

Yes I'm sure being a launch partner is supposed to be the differentiator.....but its not. Visited lots of "launch partners" stores up and down the country - consistently hitting the contactless limit.

Only M&S, Pret and Apple Store have been truly limitless for me to date. Waitrose is the worst offender.

 

[yourmn]

It's not based on what the merchant will accept, it's whether the issuer will provide an authorization.

The mandate for UK transactions is now £30

An Issuer should not provide an auth for anything over this amount as they are breaking EU payment council scheme rules.

You're incorrect. There are many places that have no limit on Apple Pay in the UK - The Apple Store for instance.

I also work for the Co-op, and can assure you that the limit has been removed for Apple Pay.

 

[Flunkyturtle]

You're incorrect. There are many places that have no limit on Apple Pay in the UK - The Apple Store for instance.

I also work for the Co-op, and can assure you that the limit has been removed for Apple Pay.

I don't disagree with you- interesting to know the Co-Op has removed this completly.

The issuer should not be giving an Auth for those transactions though.

Whether they actually abide by the rules is another thing all together though...

 

[lionsy]

I

Sadly that isn't true.

Limit on Apple Pay and other contactless payments rises to £30 in the UK

its up to the retailer and always has been. You can spend up to £2000 In Apple stores, unlimited in Marks and Sparks, etc. Normal physical cards are the thing with the £30 limit. ApplePay is treated as chip and pin, however most vendors have opted to limit it to the same amount as normal contactless pay for whatever reason.

 

[reclusive46]

I

its up to the retailer and always has been. You can spend up to £2000 In Apple stores, unlimited in Marks and Sparks, etc. Normal physical cards are the thing with the £30 limit. ApplePay is treated as chip and pin, however most vendors have opted to limit it to the same amount as normal contactless pay for whatever reason.

Its not really a choice. Retailers that have a limited contactless amount are using an old version of Visa, MasterCard's and American Express' contactless specification. The latest specification supports on device cardholder verification (I.e. High value contactless)

 

[lionsy]

Its not really a choice. Retailers that have a limited contactless amount are using an old version of Visa, MasterCard's and American Express' contactless specification. The latest specification supports on device cardholder verification (I.e. High value contactless)

If I understand you correctly, it sounds like a choice to me, just roll out upgraded equipment? Sainsbury's in the UK are rolling out new equipment to bigger stores in September to support high value payments, seems like that was their choice! No one is stopping retailers.

 

[reclusive46]

If I understand you correctly, it sounds like a choice to me, just roll out upgraded equipment? Sainsbury's in the UK are rolling out new equipment to bigger stores in September to support high value payments, seems like that was their choice! No one is stopping retailers.

In many cases especially for small businesses they don't have a choice until their merchant services provider supports the latest version, they have to certify all the merchants terminals before they can upgrade. Some of the providers (Worldpay and Elavon) are much further ahead then others (*Cough* Global payments).

 

[chriscl]

My local Co-Operative has the new higher £30 limit now. I spent £22 with them yesterday using my iPhone and Apple Pay.

Apparently (so they told me) they had an upgrade to their system this week, which brought the new, higher limit?

It worked though, I shop there all the time using Apple Pay and the new limit will be a boon!

 

[Pagemakers]

Went to Aldi yesterday. Still £20

 

[iGeek2014]

Went to Aldi yesterday. Still £20

Lloyds Bank mentioned on my latest credit card statement that they expect the £30 limit to be fully working by the end of October for all contactless Retailers.

 

[d123]

An Issuer should not provide an auth for anything over this amount as they are breaking EU payment council scheme rules.

Have you got any links to that? I haven't seen or heard any reference to the EU being responsible for contactless limits (or any card limits) before.

I'm pretty sure it's up to to the retailer to decide and the banks and the UK Cards Association set the recommended level.