Apple Pay

dr_adidas01

NFH wrote: »

Although you can use a debit card with Apple Pay, I don't see the point as you then lose out on airmiles, cashback or points using a credit card. When you register a credit card (or debit card) with Apple Pay, your card issuer issues a virtual card number that is stored in your iPhone. You see only its last 5 digits (called the Device Account Number). Apple is not involved in the transaction at all; it only delivers the technology. As usual, the transaction is confirmed between your card issuer and the merchant.

Then why don't you add your credit card to Apple Pay? You wouldn't loose out on points, airmiles or cashback.

Jon_B_2

I've been using Apple Pay using my Nationwide FlexPlus account and I must say it is awesome. Not having to get my wallet out is a revelation.

Only problem is that I'm Malin discretionary purchases at selected stores that have contact less now...

NFH

dr_adidas01 wrote: »

Then why don't you add your credit card to Apple Pay? You wouldn't loose out on points, airmiles or cashback.

I don't understand why you ask this question. As explained above, I have added my Amex cards to Apple Pay, and have used them successfully with the service.

I'm suggesting that it's pointless to add a debit card. I don't understand why people are complaining that their bank (e.g. HSBC, Barclays, Lloyds etc) doesn't yet support Apple Pay. They should be adding their credit card, not their debit card, which in many cases will be from another card issuer.

dr_adidas01

NFH wrote: »

I don't understand why you ask this question. As explained above, I have added my Amex cards to Apple Pay, and have used them successfully with the service.

I'm suggesting that it's pointless to add a debit card. I don't understand why people are complaining that their bank (e.g. HSBC, Barclays, Lloyds etc) doesn't yet support Apple Pay. They should be adding their credit card, not their debit card, which in many cases will be from another card issuer.

Perhaps some people don't have access to credit cards so that's why they want to add their debit card to apple pay as its the only method they have to pay for something!?!

NFH

dr_adidas01 wrote: »

Perhaps some people don't have access to credit cards so that's why they want to add their debit card to apple pay as its the only method they have to pay for something!?!

Only a small minority of people can't get a credit card, for example people under 18. I applied for two points-earning credit cards on my 18th birthday while still at school and both were issued. Students can get them easily too. For people working, it's even easier.

Landofwood

Paul_1977 wrote: »

When you pay with Apple Pay, does your debit card get charged by Apple, and then Apple pay for the purchase.

?

No, you pay the retailer directly.

SuperHan

NFH wrote: »

I don't understand why people are complaining that their bank (e.g. HSBC, Barclays, Lloyds etc) doesn't yet support Apple Pay. They should be adding their credit card, not their debit card, which in many cases will be from another card issuer.

I'd quite like my Halifax Clarity on my Apple Pay. That's enough to make me moan that my bank doesn't yet support it.

NFH

SuperHan wrote: »

I'd quite like my Halifax Clarity on my Apple Pay. That's enough to make me moan that my bank doesn't yet support it.

Me too, but Halifax Clarity is my credit card issuer, not my bank. People are complaining about their banks not supporting it yet, not about their credit card issuers.

SuperHan

NFH wrote: »

Me too, but Halifax Clarity is my credit card issuer, not my bank. People are complaining about their banks not supporting it yet, not about their credit card issuers.

They're also my bank though, and so I assume others will also be using the terms interchangeably.

When Halifax bank support Apple Pay, Halifax the credit card provider will too.

It would also be nice to have debit card support on there too, as not 100% of my spend is on credit card, so it'd be good to have that option.

NFH

SuperHan wrote: »

It would also be nice to have debit card support on there too, as not 100% of my spend is on credit card, so it'd be good to have that option.

Why would you ever use a debit card instead of a credit card? You lose out on points, cashback or airmiles.