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  • FIRST POST
    • CSlate
    • By CSlate 7th Jul 17, 9:07 PM
    • 5Posts
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    CSlate
    Does Android/Apple Pay update Available Balance Instantly(unlike contactless)?
    • #1
    • 7th Jul 17, 9:07 PM
    Does Android/Apple Pay update Available Balance Instantly(unlike contactless)? 7th Jul 17 at 9:07 PM
    Hi, I just found out that contactless payments can take up to 4 days to show on you Available Balance!!!

    I always check my Available balance, since it tells me how much money I have right now(or so I thought), and for a while have wondered how it seems to just go down without me buying anything on that day.

    So I'm never using contactless again, since it messes up my Available Balance, and I have no idea how much money I have.

    How about Android Pay? Does it show on my Available balance immediately, or will it also take up to 4 days to show?

    How about Apple Pay?
    I've got an Android phone, and my girlfriend has an iPhone.

    EDIT: Made the title more descriptive to catch your beautiful eyes .
    Last edited by CSlate; 07-07-2017 at 9:14 PM.
Page 1
    • Dandytf
    • By Dandytf 7th Jul 17, 9:16 PM
    • 664 Posts
    • 290 Thanks
    Dandytf
    • #2
    • 7th Jul 17, 9:16 PM
    • #2
    • 7th Jul 17, 9:16 PM
    cannot say for certain though I find Apple pay instant with a receipt

    maybe different banks and retailers can vary timescales to debit as does paying by visa debit
    sc dmp 2012 13k

    Jan 2017 7380 paid. 50% ish...
    • ThemeOne
    • By ThemeOne 7th Jul 17, 9:18 PM
    • 988 Posts
    • 811 Thanks
    ThemeOne
    • #3
    • 7th Jul 17, 9:18 PM
    • #3
    • 7th Jul 17, 9:18 PM
    I find purchases made with Apple Pay often don't show up on my bank statement for a few days
    • DCFC79
    • By DCFC79 7th Jul 17, 9:19 PM
    • 29,542 Posts
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    DCFC79
    • #4
    • 7th Jul 17, 9:19 PM
    • #4
    • 7th Jul 17, 9:19 PM
    For me, a payment I made using Android pay for petrol on 5/7 was on my TSB statement on 7/07.
    Last edited by DCFC79; 07-07-2017 at 9:22 PM.
    Je Suis Charlie
    • CSlate
    • By CSlate 7th Jul 17, 9:28 PM
    • 5 Posts
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    CSlate
    • #5
    • 7th Jul 17, 9:28 PM
    • #5
    • 7th Jul 17, 9:28 PM
    Thanks for the replies. I'm still curious, and will probably ave to test it myself?

    And there may be some confusion by what I mean.

    I don't mean how long it takes to show on my account statement, since that takes forever for everything lol.
    I just mean my available balance.
    Contactless can take 4 days to register on your available balance, so you can think you've got £23, and then magically have £-5!!
    • DCFC79
    • By DCFC79 7th Jul 17, 9:32 PM
    • 29,542 Posts
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    DCFC79
    • #6
    • 7th Jul 17, 9:32 PM
    • #6
    • 7th Jul 17, 9:32 PM
    Thanks for the replies. I'm still curious, and will probably ave to test it myself?

    And there may be some confusion by what I mean.

    I don't mean how long it takes to show on my account statement, since that takes forever for everything lol.
    I just mean my available balance.
    Contactless can take 4 days to register on your available balance, so you can think you've got £23, and then magically have £-5!!
    Originally posted by CSlate
    Ah my bad.

    Use a spreadsheet to keep track of what you have spent.
    Je Suis Charlie
    • colsten
    • By colsten 7th Jul 17, 9:46 PM
    • 8,601 Posts
    • 7,220 Thanks
    colsten
    • #7
    • 7th Jul 17, 9:46 PM
    • #7
    • 7th Jul 17, 9:46 PM
    You cannot rely on your bank account to reliably show you how much money you have available. It will only be able to show your card purchases after the retailer has reported your purchases to your bank, and that is not always instant. Your available balance will also never show which DDs and SOs are about to be taken.

    To budget, you need to keep a separate record yourself of all your existing spend as well as all your committed spend. There are various ways to achieve that - a budgeting app like YNAB might help but you can also use pen and paper, or anything in between. People who find it difficult to manage their card spending have also reverted to cash, and have cut up their cards. Bottom line is that you need to manage your budget.
    • Heng Leng
    • By Heng Leng 8th Jul 17, 2:16 AM
    • 3,944 Posts
    • 1,202 Thanks
    Heng Leng
    • #8
    • 8th Jul 17, 2:16 AM
    • #8
    • 8th Jul 17, 2:16 AM
    Android pay is online, not sure about Apple though.

    If you want online contactless, get a debit MasterCard as both of mine always go online. My Visa debit cards are often offline (in the same locations)
    • Anthorn
    • By Anthorn 8th Jul 17, 11:15 AM
    • 3,043 Posts
    • 786 Thanks
    Anthorn
    • #9
    • 8th Jul 17, 11:15 AM
    • #9
    • 8th Jul 17, 11:15 AM
    Apple Pay provide an instant notification of a transaction which sometimes appear on my Mobile Phone before it shows as accepted on the terminal. Slow terminals sometimes cause confusion and disagreement with checkout operators who say something like, "Something's gone wrong. Oh it's gone through now." Where I live that's Aldi.

    Apple Pay cannot show the balance of your bank / credit card account because it's not in Apple Pay, it's at your card issuer.
    • datlex
    • By datlex 8th Jul 17, 11:28 AM
    • 1,280 Posts
    • 1,078 Thanks
    datlex
    Hi, I just found out that contactless payments can take up to 4 days to show on you Available Balance!!!
    I always check my Available balance, since it tells me how much money I have right now(or so I thought), and for a while have wondered how it seems to just go down without me buying anything on that day.

    So I'm never using contactless again, since it messes up my Available Balance, and I have no idea how much money I have.

    .
    Originally posted by CSlate
    This is the same reason I stopped using them. I tend to use a rewards card, which show the payments up straight away. I do know that when it comes to Tesco and using their payment app it shows up straight away in my pending payments. Same with Greggs when I top up it shows up straight away.
    • 20aday
    • By 20aday 8th Jul 17, 2:44 PM
    • 2,015 Posts
    • 840 Thanks
    20aday
    I use Apple Pay with Lloyds Bank and it shows up as 'pending' when using their online banking system (regardless of the amount spent) whereas with contactless most transactions <£15 don't show up.

    The same goes with my Barclaycard Platinum too.
    It's not your credit score that counts, it's your credit history. Any replies are my own personal opinion and not a representation of my employer.
    • Bmth100
    • By Bmth100 9th Jul 17, 12:44 AM
    • 1,019 Posts
    • 2,605 Thanks
    Bmth100
    I'm with Natwest. I avoid using debit card NFC payments for the same reason as you. Rest assured I've discovered that, out of the hundreds of Apple Pay payments I have made, every one has updated my available balance instantly.
    • CSlate
    • By CSlate 9th Jul 17, 8:26 AM
    • 5 Posts
    • 0 Thanks
    CSlate
    Thanks for the replies. I thought someone would have a definite answer, like how the banks definitely know it's 4 days for contactless.

    I guess I'll give it a go and keep an eye on it!

    I knew I'd get a few people saying I should manage my own budget. I've started to a little bit, so I'll work on that, but really my bank is a box with money, and when it's opened and money is taken out, it should be able to tell me how much is in it. It's 2017, and I can count my pennies faster than my bank's computer.

    I think I'll change to cash only, since I end up spending less that way, and it's clear that bank cards are rubbish for telling me how much money I have! I guess I'll just count my pennies in my pocket faster than my bank.
    • CSlate
    • By CSlate 9th Jul 17, 8:48 AM
    • 5 Posts
    • 0 Thanks
    CSlate
    I'm with Natwest. I avoid using debit card NFC payments for the same reason as you. Rest assured I've discovered that, out of the hundreds of Apple Pay payments I have made, every one has updated my available balance instantly.
    Originally posted by Bmth100
    Just read this! So Apple Pay works! Now for me to experiment with android at some point .
    • colsten
    • By colsten 9th Jul 17, 9:57 AM
    • 8,601 Posts
    • 7,220 Thanks
    colsten
    So Apple Pay works!
    Originally posted by CSlate
    The bank will immediately know of your Apple Pay transactions if the retailer immediately tells them about them. The retailers do not always do this so, for a variety of reasons, your bank will not always show all your Apple Pay purchases immediately.

    It's not hard to understand, is it.

    EDIT: to give you an example. I have been buying gift cards at Waitrose every month for the last 20-odd months. I pay for them with Apple Pay, on several different TSB cards which are linked to several different TSB Plus accounts. Most of the purchases were made early in the morning as that is when I normally do my shopping. None of the payments have ever shown in the "Available Balance" of the TSB accounts on the day the transactions were made. They always reduce the available balance up on the next working day.
    Last edited by colsten; 09-07-2017 at 10:07 AM.
    • takman
    • By takman 9th Jul 17, 12:45 PM
    • 2,399 Posts
    • 2,012 Thanks
    takman
    The perfect thing for you would be a Monzo Card.


    It's a prepaid card that you top up using an app on your phone so you can put your weekly/monthly budget onto it.


    Then when you spend anything on the card it will instantly show up on your phone and deduct the amount from the balance. It will also show where you spent the money and put it into categories so you can see where your money is going.


    Plus when you go abroad it offers an almost perfect exchange rate on purchases and cash withdrawals.
    • username
    • By username 9th Jul 17, 8:06 PM
    • 416 Posts
    • 145 Thanks
    username
    Hi, I just found out that contactless payments can take up to 4 days to show on you Available Balance!!!
    I find purchases made with Apple Pay often don't show up on my bank statement for a few days
    Who are your bankers? I often see this claim on various fora - I have never had issues with anything more than 1-2 working days to appear on the statement at most and I am with HSBC.

    Not all contactless payments come off the available balance, but what's wrong with having a receipt and simply tallying up at the end of the day what you have spent, and so know to not spend more than X?
    • CSlate
    • By CSlate 12th Jul 17, 9:19 AM
    • 5 Posts
    • 0 Thanks
    CSlate
    I am now tracking how I spend, but you're asking "what's wrong with a money box that doesn't even know how much money you have!"

    With cash I can see immediately how much money I have. With my card it's just a guess.

    I'm going cash only, it's easier. The old way is the better way, since technology can't keep up for some reason.

    Lets say someone gets wasted, buys a round of drinks and forgets about it the next day. Their cash says "you're broke". Their card says "£23 available". I've never done this, but in the past I have forgotten about a payment, for whatever reason, and gone overdrawn.

    Imagine if your bank card has always been updated instantly for every transaction for years, then one day they changed it to the way it works today. Everyone would complain!

    My banks
    Been with Santander, for a few years, changed to Natwest about a week ago.
    I have only just started bugeting and logging my money, since I went overdrawn because of Santander's available balance. Yes, it's my fault, but it's also theirs for saying I had so much available when I didn't. Just use cash .

    Natwest's app says at the bottom that contactless takes up to 4 days to show on contactless payments.

    Santander is now my bills card, and Natwest is my Spending card .

    Android Pay
    I made an Android Payment yesterday for a snack and it came out of Natwest's available balance immediately, I'll still monitor it though.

    Edit
    Are retailers the problem?
    When I use my card, the terminal contacts my bank(to check my pin), so they do know it's being used. And they can even decline it and tell you how much it was for and why they declined it(fraud prevention). So they know of it.
    Last edited by CSlate; 12-07-2017 at 9:27 AM.
    • sausage_time
    • By sausage_time 15th Jul 17, 5:19 PM
    • 42 Posts
    • 12 Thanks
    sausage_time
    Amex on Android Pay seems to show in "pending transactions" immediately.
    • simongregson
    • By simongregson 15th Jul 17, 9:30 PM
    • 813 Posts
    • 459 Thanks
    simongregson

    When I use my card, the terminal contacts my bank(to check my pin), so they do know it's being used. And they can even decline it and tell you how much it was for and why they declined it(fraud prevention). So they know of it.
    Originally posted by CSlate
    This is not true, for UK cards the terminal checks with the chip on the card that the pin is correct.

    In most cases the terminal will also contact your bank when you use chip and pin to get an authorisation for chip and pin transactions, it is quite rare not to do this live these days (although possible). This is why chip and pin transactions will usually show as pending straight away.

    To allow quicker card processing times a lot of contactless transactions do not contact your bank, this means the first your bank knows about a transaction is when the retailer submits it (usually at the end of the day on working days).

    However there is a move to process contactless transactions online and contact your bank, as most shops now have fast connections to authorise transactions instead of dial up phone connections.

    If you want a card that always goes online and updates your balance a pre-paid card will do this.
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