Apple Pay

NFH

Paul_1977 wrote: »

Have you used it then?

Yes, I used it on TfL this morning. It was easy and effortless.

NFH

Paul_1977 wrote: »

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

This concerns very unlikely fraud for which the card issuer, and not the card holder, is liable. It's not a reason for a consumer to be wary of using Apple Pay.

Zanderman

Archi_Bald wrote: »

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.

Hmmm... we'll see. Personally I prefer, at present, to use plastic cards in my wallet, and can't see myself switching to a smartphone (of any operating system) for payment.

Cards take hardly any space, can be sat on, don't need charging and can be in any pocket of any garment. A smartphone is vulnerable to damage, is not something I always carry with me, and cannot be stowed in all clothing so easily. And they run out of power towards the end of each day.

Plus cards are in a wallet - where I also keep other personal information, plus real cash, and the wallet provides somewhere to put receipts. So I would still need a wallet, even if paying with a smartphone.

Re timing, it takes no time to get the wallet out and present a card - the 'default' one (just like the app!) being the first to hand. I cannot see how using a smartphone, also stowed away in a pocket, opening the case and activating it is any faster than doing the same motions with a card in a wallet.

But time will tell no doubt...

Paul_1977

Real cash and wallets are on the way out, young ones tend to just have their mobile with a case and all the cards and id etc in that case.

There are times when you need real cash for places like the barber, or garage for the MOT. These places (small ones) just don't have electronic payment yet, but its changing.

I am old fashioned and like to have a wallet and my cards, but I doubt they will be in use by the next decade much.

Hopefully some sort of reverse Apple Pay will come out for businesses. So I can pay a barbers with contactless using the barbers mobile.

Zanderman

Paul_1977 wrote: »

Real cash and wallets are on the way out, young ones tend to just have their mobile with a case and all the cards and id etc in that case.

There are times when you need real cash for places like the barber, or garage for the MOT. These places (small ones) just don't have electronic payment yet, but its changing.

I am old fashioned and like to have a wallet and my cards, but I doubt they will be in use by the next decade much.

Again, maybe, time will tell! I don't see it as that black and white at all. I confidently predict that cards have decades more use yet. Alongside new systems.

Phone payment systems will, obviously, get very popular, particularly with younger users. But I really don't think anyone should predict the end of the plastic card. They do the job, don't need electricity, and are supremely portable.

Plus older users increasingly outnumber the young - and whilst many older users do embrace smartphones they will be less inclined, in general terms, to change.

And lots of people have lots of cards - I have a dozen or so current accounts, two business accounts, plus three credit cards. That's a lot of cards. Only a handful are in regular use - so if I was using them via a smartphone I wouldn't need (or want) them all on it - just as I don't need to carry them all now. But they do get used now and then, and I wouldn't want to load them into an app just for occasional use - it would be much simpler to just use the card. Nor would I want every card I own loaded on my smartphone all the time.

Even if I did have just a few cards, and they were all used via the phone, I'd still need the cards for those times when the phone is smashed or stolen. If a card is ruined in a washing machine or stolen you just ring your bank and get a new one. But if the same happens to the phone which has all your 'cards' on it, and actual cards have become 'obsolete' you'd be stuck until you got a new phone.

I really don't think cards are going away anytime soon. Phone pay is coming in - but I don't see it killing off cards.

NFH

Paul_1977 wrote: »

There are times when you need real cash for places like the barber

I pay for my haircut with my American Express card. I would use Apple Pay next time, but it's more than £20 and they probably haven't yet upgraded their software to remove the £20 contactless limit for Apple Pay.

runforlife

Also useful and touched upon by another poster is that you can add any card (well, at least any Nationwide card) and make that 'contactless'.

All Nationwide debit cards and credit cards are eligible, with the exception of the FlexOne cash card. You can upload multiple cards to your device and can easily switch between these cards within the Apple Pay app.

By the way, with all the talk on speed (i really am not sure that it matters so much to save a few seconds or too) I can use my contactless card without taking it out of my wallet at all. Just place the wallet on top of the reader. Now that is easy!

NFH

The Docklands Light Railway has no ticket barriers at most stations and therefore ticket inspections on trains are common. The ticket inspectors' devices read Oystercards and immediately identify whether the passenger has paid. With contactless payment cards, it merely records the inspection, which is later validated by the end of day, and a maximum fare is then charged to the card if the same card hadn't touched in at the beginning of the journey. I asked a train supervisor to inspect my ticket in order to test the system. Surprisingly they had not been briefed on Apple Pay, even though the TfL is one of the official launch partners. A minor problem was that the card reader was on the bottom of his device, which prevented me from seeing my iPhone's screen while his device was trying to read my "card". Within 10 seconds, we got it to work and both my iPhone and his device made a confirmation sound.

NFH

runforlife wrote: »

By the way, with all the talk on speed (i really am not sure that it matters so much to save a few seconds or too) I can use my contactless card without taking it out of my wallet at all. Just place the wallet on top of the reader. Now that is easy!

When travelling on TfL, every second at ticket barriers makes a difference. If passengers are fumbling with their wallet or purse for a few seconds, they hold up everyone else. The problem with placing one's wallet on the card reader is card clash. Most people have more than one contactless card, and therefore the wrong card can get charged. In the case of TfL, if different cards are used at the beginning and end of the journey, then TfL doesn't identify it as a single journey, and both cards are charged the maximum fare. Apple Pay eliminates these problems, particularly as many people are already reading their iPhone when travelling on public transport, thanks partly to the free wifi on the Tube.

Paul_1977

NFH wrote: »

I pay for my haircut with my American Express card. I would use Apple Pay next time, but it's more than £20 and they probably haven't yet upgraded their software to remove the £20 contactless limit for Apple Pay.

Over £20 for a haircut, blind me you must have a right stylish one.:D I know people that pay £80 a time for one, not my cup of tea but each to their own.

My barbers are do not even have a till. Mine cost £10.