Deaf Spacker
Memb
It looks cool but I'll stick with my chip and pin, it's easier for me.
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Apple Pay now available in UK
- Thread starter Chittagong
- Start date
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Sees pointless considering contactless. Not that i've ever seen anyone pay by contactless but apparently it is a thing
I'm still stuck in the 20th century and use cash 100% of the time on the high street
Not even oyster cards on busses and trains?
We don't have oyster cards on buses here. Buses are cash only. Don't think train ticket machines here have a contactless option but i may be wrong
It's pretty short sighted to say it's pointless. The plan is obviously to eventually get rid of the spending limit once adoption starts to increase.
It also has additional benefits:
More secure transactions
Instant records of transactions
If your phone is stolen, thief probably still can't access them because of TouchID.
Instantly erase them from the phone via iCloud instead of having to contact individual banks
Eventually one less item in your pocket
It also has additional benefits:
More secure transactions
Instant records of transactions
If your phone is stolen, thief probably still can't access them because of TouchID.
Instantly erase them from the phone via iCloud instead of having to contact individual banks
Eventually one less item in your pocket
Wrestlemania
Banned
I assume it's not possible to link an Oyster travel card to Apple Pay yet, right? Still not sure how comfortable that's going to be with the card readers being on the opposite side from my watch though.
Jill Sandwich
the turds of Optimus Prime
Not the Oyster card itself but you can register your debit/credit card on the TFL website and it'll work the same way.
I would definitely think about using it once Google pay/Wallet is supported, more places in the UK support it and owning a phone with a fingerprint scanner. Although, this is less of a problem for me since I'm in London most of the time.
Wrestlemania
Banned
I don't think you can link a longer term travel card to a bank card.
Chittagong
Gold Member
Paying with Amex on Apple Pay gives you Oyster prices, which is awesome. I never have my Oyster with me, and always end up buying a new one because of how much cheaper the rates are compared to single tickets. I have probably a dozen Oysters at home
I mean touching your clock that is already on your arm is easier than taking out your card for example. Should be more secure as well.
Chittagong
Gold Member
My wife's iPhone 5S still doesn't show Apple Pay. Correct region settings, rebooted, updated, nothing. Her iPad got it fine though.
infiniteloop
Member
yeah, people saying "i already have a contactless card" aren't getting the security advantages.
infiniteloop
Member
iphone 6 only.
Chittagong
Gold Member
Weird. I somehow thought it would be usable on 5S if you had Apple Watch. Maybe not day one then?
It's not a big thing over here as most of us have contactless cards anyway rather than having to sign as happens in the states.
Even those who don't have contactless have chip and pin which is really fast anyway.
Garrett Hawke
Member
I got super excited when I read this in bed but my bank isn't doing it yet -_-
Cjdamon042
Member
Tried setting it up this morning for my Natwest debit card but it doesn't seem to like it. Says it's not available despite Natwest being there for launch. Could be because I'm on a Graduate account or something I guess. Ah well.
Chittagong
Gold Member
No PIN, but max buy is £20, going up to £30 in the Autumn
No. You just put the card on the receiver.
infiniteloop
Member
oh yeah, it is available on the watch.
AHA-Lambda
Member
Nothing on my 6+ yet.
I agree, I only use cash and chip & pin, have never used contactless yet.
Sees pointless considering contactless. Not that i've ever seen anyone pay by contactless but apparently it is a thing
I'm still stuck in the 20th century and use cash 100% of the time on the high street
I agree, I only use cash and chip & pin, have never used contactless yet.
So if your card is stolen, anyone can use it? The security benefits of Apple pay are pretty obvious then.
The security measure probably is because there is no authentication mechanism for contact-less cards. If you steal a card and tap to pay for something expensive, there is no signature or PIN to authenticate against.
Ideally they would raise the limit for contactless payments that have some type of authentication measure.
Against the downsides of
* Gives Apple editorial control of your spending decisions with their known capacity to abuse that.
* Runs out of battery on a regular basis so you can't pay for anything.
That doesn't seem very useful. I think the online payments part of Apple Pay has some appeal, but the contactless part seems inferior to existing solutions unless you're in a country with completely broken card security, which the UK isn't.
Jill Sandwich
the turds of Optimus Prime
Go to the Apple Watch app and set it up there.
What editorial control? It seems like it would be available everywhere contactless payments are available.
I really have never run out of battery when out and about, so I guess that's something that will rarely happen to me.
UK seems to have broken card security to be wary of contactless payments over 20-30 pounds.
Apple can chose to arbitrarily deny payments for any reason between any individual, or exclude their payment terminals from Apple Pay.
You're unusual then. When I dumped iOS I had to charge my iPhone three times a day on average.
That's stronger security, not broken. It's because the banks do not consider Apple Pay to be inherently more secure than a normal contactless card. Which I'd agree with given it only has a short deployment lifespan and is effectively untested.
For a maximum of three transactions, and so long as you report your card as stolen you'll be reimbursed.
iNvid02
Member
barclays said they wouldn't be supporting it last month, i think they imagined everyone would be happy buying their paytag wearables, or hoped pingit would evolve into something like that, but they just caved in today.
still seems like a novelty though considering that contactless is still not widely accepted, and the current £20-£30 transaction limit, but if anyone's going to disrupt the status quo its apple.
edit: and i like my wallet anyway (exentri). sliding cards out with your thumb is nifty
still seems like a novelty though considering that contactless is still not widely accepted, and the current £20-£30 transaction limit, but if anyone's going to disrupt the status quo its apple.
edit: and i like my wallet anyway (exentri). sliding cards out with your thumb is nifty
Example?
My phone probably averages around 20% by the time I go to bed, so not an issue for me.
infiniteloop
Member
Ravensmash
Member
Come on guys, this is the next evolution of that.
Why fumble around in your wallet for a card when you can simply tap something that you're already wearing?
Can you please cite these terms and indicate how they are different from other terms for say, card issuers.
Do you have statistics that indicate I am unusual? The actual testing from third party reviewers do not indicate that an iPhone needs to be charged 3 times a day. I would argue that it is unusual to charge it 3 times a day.
I don't think the banks are doing it because they think it is inherently more secure, that's a built-in limitation of the terminals right now. That's why they're telling people that newer or upgraded terminals will accept Apple Pay without the restriction.
http://www.bbc.com/news/technology-33489066
http://www.pocket-lint.com/news/134205-apple-pay-uk-some-retailers-to-ditch-20-contactless-limit
CadetMahoney
Member
So if your thing gets lifted, a possible thief could rinse out a lot of you money and the bank will be like:
So if your thing gets lifted, a possible thief could rinse out a lot of you money and the bank will be like:
The upgraded terminals will only remove the limit for authenticated transactions, such as the biometric authentication on iPhones and Apple Watch.
Succinct Verbosity
Member
Contactless payments fromdebit card seem like a huge security risk to me. I was t an airport a while ago and entered my pin wrong after being awake for about 20 hours, and they shop assistant just scanned the card without ny input from me... Anyone could just pick up my card and do that. No thanks.
Contactless fraud is extremely rare. It's less than 1p in every £100. Your card can only be used a maximum of three times before requiring a PIN, and the amount that can be spent is capped. Plus if your card has been stolen and is used fraudulently you'll be reimbursed provided you've reported it.
Because most people already have a watch and don't want to buy another.
Jill Sandwich
the turds of Optimus Prime
Well I just bought a chicken and chorizo sammich, white chocolate cookie and large latte at Greggs with my watch. It was quick and painless.
It is.
On the Watch, double tap the side button. This starts the process. You then continue the process on the Apple Watch app on the iPhone.
The first point is completely wrong. Apple have no idea what people buy with Apple Pay.
Second point is also wrong as Apple Watch battery life is pretty good, and if it fails, use your iPhone.
As for card security, you can take someone's contactless card and buy up to £20 (soon £30) of stuff at a time without any validation, signature or PIN. I'd say that's at least slightly broken after the huge fuss made over the benefits of chip and PIN. If you use Apple Pay you need Touch ID (on iPhone) or a passcode (Watch).
NekoFever
Member
lolwut
Nobody except you and your bank knows where you spend your money with Apple Pay. That's more private than using a card, as the merchant can track your purchasing history that way.
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