Apple Pay

colsten

ffacoffipawb wrote: »

Tried that, also tried Santander and Nationwide, same problem for 2 different providers.

No problems with the Watch app (on the iPhone 6) though.

Maybe a problem at Apple's end, will try again tomorrow.

Not an expert on this, but have you checked you are on the latest version of iOS?

I also had to restart my iPhone 6 after upgrading to the latest available iOS version before I got to see and could use 'Passbook and Apple Pay' in Settings.

I haven't tried it with the Apple Watch as I don't have one yet, and as I am siding with those posters who think buying one now might be a bit previous. I'll give Apple another year or so to get a bit clearer on the technology, and for users to report more about their experience.

Dandytf

I got this card is not compatible via phone 6

contacted rbs via e-chat ordered a contactless debit card which is compatible...3 days:)

colsten

Dandytf wrote: »

I got this card is not compatible via phone 6

contacted rbs via e-chat ordered a contactless debit card which is compatible...3 days:)

Get a Nationwide or a Santander card, or both.

NFH

Dandytf wrote: »

contacted rbs via e-chat ordered a contactless debit card which is compatible...3 days:)

That's extraordinary. There's no requirement for a card to be contactless in order to add it to Apple Pay. For example, I have a Santander Zero credit card that I use outside the UK, which is not contactless, and Apple Pay has made it contactless for me.

It sounds as if RBS has implemented a pointless requirement.

knack92

NFH wrote: »

That's extraordinary. There's no requirement for a card to be contactless in order to add it to Apple Pay. For example, I have a Santander Zero credit card that I use outside the UK, which is not contactless, and Apple Pay has made it contactless for me.

It sounds as if RBS has implemented a pointless requirement.

They also disallow basic cards despite all transactions being authorised online.

colsten

knack92 wrote: »

They also disallow basic cards despite all transactions being authorised online.

Are you sure? Even transactions below the retailer's floor limit?

dr_adidas01

colsten wrote: »

Are you sure? Even transactions below the retailer's floor limit?

Yes it says on the Natwest website that it can't be used on Basic accounts, adapt accounts, accounts with overdraft control and business accounts or visa credit cards.

http://personal.natwest.com/personal/ways-to-bank-with-us1/mobile-banking/Apple-pay.html

Yet nationwide let you use it on all their accounts even their basic account with the exception of the flexone account.

NFH

While we're on the subject of ineligible cards, I'm disappointed that American Express UK excludes its International Euro Cards. These cards are issued and managed in the UK, and are also available in USD. If Amex UK didn't exclude them, then they would be probably one of the only EUR-denominated cards to be supported on Apple Pay.

colsten

dr_adidas01 wrote: »

Yes it says on the Natwest website that it can't be used on Basic accounts, adapt accounts, accounts with overdraft control and business accounts or visa credit cards.

http://personal.natwest.com/personal/ways-to-bank-with-us1/mobile-banking/Apple-pay.html

Yet nationwide let you use it on all their accounts even their basic account with the exception of the flexone account.

I think we might be talking x-purpose. My question was to knack92, in response to their post saying that Natwest "also disallow basic cards despite all transactions being authorised online."

The point being that, afaik, not all (or even not many) contactless transactions are being authorised online. To me, it makes complete sense for Natwest to say on their website what you say they say - certain cards/accounts are excluded from contactless payments, and Apple Pay doesn't make a fundamental difference to that.

If Nationwide allow Apple Pay even though the cards of the relevant accounts do not support contactless, that's a Nationwide decision. It might be a correct or an incorrect decision but in either case, Natwest, or any other bank, would not be driven by what Nationwide do.

reclusive46

colsten wrote: »

I think we might be talking x-purpose. My question was to knack92, in response to their post saying that Natwest "also disallow basic cards despite all transactions being authorised online."

The point being that, afaik, not all (or even not many) contactless transactions are being authorised online. To me, it makes complete sense for Natwest to say on their website what you say they say - certain cards/accounts are excluded from contactless payments, and Apple Pay doesn't make a fundamental difference to that.

If Nationwide allow Apple Pay even though the cards of the relevant accounts do not support contactless, that's a Nationwide decision. It might be a correct or an incorrect decision but in either case, Natwest, or any other bank, would not be driven by what Nationwide do.

All mobile contactless transactions are authorised online - Visa, MasterCard and AmEx all mandate it with the exception of Amex who allow it only if the retailer is unable to authorise the transaction online.

The retailer floor limit doesn't matter, if the card or device requests the terminal to go online, it must do so or decline the transaction.