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Apple Pay on pace to account for 10% of global card transactions

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Re: Apple Pay on pace to account for 10% of global card transactions

#131

Post by Spare_account »

tokamak-teapot wrote: post #127
nvarsj wrote: post #113

Earlier quoted context omitted.

At least in the UK, contactless is limited to 20£ and probably has other limits as well I suspect.

£30 currently. Though mobile payments don’t fall foul of this in theory, in practice some terminals are limited to £30 to match the card limit, which can be annoying when you want to pay by mobile (the most secure way).

> £30 currently. Though mobile payments don’t fall foul of this in theory

I believe Apple Pay supports payments >£30 but I use Android Pay and it has never allowed me to exceed £30. I understand that it is probably a limitation of the terminal in many cases but I have observed an Apple Pay transation exceed £30 and then been rejected by my Android Pay device on the same terminal in one case.

Re: Apple Pay on pace to account for 10% of global card transactions

#132

Post by tokamak-teapot »

jon-wood wrote: post #64
notJim wrote: post #26

I honestly love Apple Pay, but I don't use it super often because it makes me self-conscious. I feel like a bit of a dick for some reason. If you try to do something "weird" and it doesn't work, people get annoyed, or it feels like an imposition. Even when it works, people sometimes make some kind of comment. Relatedly, it's unpredictable whether it will work or not. It usually does, as long as the card machine says…

This is a very US biased thing. In the UK it’s been months since I last encountered a card reader that didn’t do contactless, and almost as long since I’ve been told a place doesn’t accept cards. These days you’ll get looked at funny if you put your card in the machine unless you’re doing a substantial transaction. I still carry a small amount of cash on me just in case, but the same £10 note has been sitting unused…

I bought coffee from the usual place today, where the card machine was broken. Everyone uses Apple / Android pay. The lady serving there was as confused by cash as the customers were.

There were conversations about bank notes because some hadn’t seen the newer ones before, despite them being around for what seems like ages now.

I too had a note sitting in my wallet waiting for such a circumstance. Now I have change and it’s weird that it feels alien. We used to do this for everything.

Re: Apple Pay on pace to account for 10% of global card transactions

#133

Post by eigenvector »

gregdoesit wrote: post #61

I had dinner with members of the Apple Pay team a year or two back. I asked them, “So, who are your competitors? Google Pay? PayPal?” They laughed. “No, we don’t really track them. We have one main competitor. Credit cards. We care about Apple Pay being better, easier and more convenient to use than any of your credit cards.” And then, finishing dinner, the guy paid with his Apple Watch, using Apple Pay. The waiter w…

If this occurred in the USA, I'm surprised the story doesn't end with the waiter asking this guy to take his Apple Watch off so the waiter can take it to the back where the payment terminal is located. Portable terminals that are brought to the table (so the customer can enter their PIN) still seem to be a rare occurrence in the US.

Re: Apple Pay on pace to account for 10% of global card transactions

#136

Post by walshemj »

ryukafalz wrote: post #118
needusername wrote: post #112

Earlier quoted context omitted.

Sure you can. It's not a special case. That's the beauty of Apple Pay. Industry standard protocol. If the merchant accepts contactless credit cards then Apple Pay will work. No need for any special hardware, any special software or any contract changes.

Typically in the US the waiter will take your credit card back to a payment terminal rather than bringing a card reader to you. Contactless isn’t really an option in that case.

No wonder you have more problems with fraud in the USA if you let a waiter take the card away from you and do god knows what with it.

Re: Apple Pay on pace to account for 10% of global card transactions

#138

Post by trixie_ »

notJim wrote: post #26

I honestly love Apple Pay, but I don't use it super often because it makes me self-conscious. I feel like a bit of a dick for some reason. If you try to do something "weird" and it doesn't work, people get annoyed, or it feels like an imposition. Even when it works, people sometimes make some kind of comment. Relatedly, it's unpredictable whether it will work or not. It usually does, as long as the card machine says…

I kinda felt like this at first, but now I'm so fast by the time the cashier looks up, the terminal already beeped and I'm out the door.

You can double tap to pay even before the reader is ready, so that once it is, the transaction happens instantly.

Re: Apple Pay on pace to account for 10% of global card transactions

#139

Post by antipaul »

georgeburdell wrote: post #135

Semi-related, but is there a way to setup Apple Pay without disclosing your fingerprint? Unlike passwords, fingerprints are not protected by the 5th Amendment https://time.com/3558936/fingerprint-password-fifth-amendmen...

Pretty sure you can use PIN, including 6-digit and alphanumeric

Or FaceID

Re: Apple Pay on pace to account for 10% of global card transactions

#140

Post by walshemj »

Simulacra wrote: post #134

Now if only I could carry my ID around on my iPhone I wouldn't need to carry a wallet.

Until you drop you phone and break it or it barfs on you in some other way.

There was high profile case of an iPhone user who got fined over £600 because the phone died and they could not show the rail ticket to the guard on the train.

She was lucky enough to get it picked up by the national press, probably knew someone.

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