Apple Pay

lee111s

HSBC/First direct have pushed their launch back towards the end of July with no confirmed date as of yet.

NFH

Paul_1977 wrote: »

i just watched a Youtube video of someone using it, it takes ever so longer than using a normal plastic card (contactless).

No, it doesn't. If you're using your default card, then you just hold your iPhone over the card reader, even with the screen switched off, and it immediately lights up with a picture of your default card. Then you put your finger or thumb on the fingerprint reader, and the transaction is completed. It's slightly easier than a contactless card, because unlike a contactless card, the iPhone is powered by a battery and so it works from at least 10cm from the card reader.

Archi_Bald

Paul_1977 wrote: »

edit: i just watched a Youtube video of someone using it, it takes longer than using a normal plastic card (contactless).

I don't think it does

Paul_1977 wrote: »

You have to unlock the phone, going to the app, select the card, scan your thumbprint, and then finally scan your "card" for payment.

I think you misunderstand how you operate an i-phone. Unlocking the phone takes a split-second as you do that with the fingerprint. You don't 'scan your thumbprint', you just touch the phone. All this is faster than reaching for your wallet, taking a card out, putting the card back in, putting your wallet away. EDIT: and see NFH's response.

Speed isn't the only advantage. Convenience is another, and so is security. It will take some time to become ubiquitous but I have no doubt that paying by smartphone (not just Apple Pay) is going to be the norm in 5-7 years time, and not just in the UK.

NFH

Archi_Bald wrote: »

Unlocking the phone takes a split-second as you do that with the fingerprint.

Even better, you don't even need to unlock your iPhone, because the iPhone lights up with the default card as soon as you hold it close to a card reader that is requesting a payment (TfL card readers are permanently requesting a payment).

dr_adidas01

anoncol wrote: »

Not at all. I've got first hand experience of both and find apple very awkward if you don't want to do just the basic apple stuff they let you do. It's not for power users.

I here you can now have a photo folder on ios9! Wow!

So whats a power user then? Whats awkward about them? what do you class as basic apple stuff?

Paul_1977

NFH wrote: »

No, it doesn't. If you're using your default card, then you just hold your iPhone over the card reader, even with the screen switched off, and it immediately lights up with a picture of your default card. Then you put your finger or thumb on the fingerprint reader, and the transaction is completed. It's slightly easier than a contactless card, because unlike a contactless card, the iPhone is powered by a battery and so it works from at least 10cm from the card reader.

Have you used it then?

I have seen the Apple demonstration, in which it works and takes about the same time as a normal contactless card, and I have seen the demonstration by normal people in which it does not work as quickly.

As I said, plastic cards will pretty much be gone in 10 years if it takes off.

Paul_1977

Archi_Bald wrote: »

I don't think it does

I think you misunderstand how you operate an i-phone. Unlocking the phone takes a split-second as you do that with the fingerprint. You don't 'scan your thumbprint', you just touch the phone. All this is faster than reaching for your wallet, taking a card out, putting the card back in, putting your wallet away. EDIT: and see NFH's response.

Speed isn't the only advantage. Convenience is another, and so is security. It will take some time to become ubiquitous but I have no doubt that paying by smartphone (not just Apple Pay) is going to be the norm in 5-7 years time, and not just in the UK.

Have you used it?

I know how to operate an iPhone thank you, but I have never used Apple pay. I am only going by Youtube videos of people using it.

Sure it might be convenient than having to carry many cards around with you.

As I said it will take over if it takes off.

Does Apple Watch have it?

Paul_1977

http://thehackernews.com/2015/06/apple-pay-hacking.html

colsten

Santander have a lovely new app to go with Apple Pay- Spendlytics.

I haven't seen similar for Nationwide, although it might be hidden in their mobile banking app which I haven't installed.

Archi_Bald

Paul_1977 wrote: »

Have you used it?

I certainly have

Paul_1977 wrote: »

Does Apple Watch have it?

yes