Apple Pay

NFH

reclusive46 wrote: »

An Apple Pay transaction involves:

Dialling out to the bank (With a much shorter message), waiting for the bank to respond and then getting an authorisation code.

There is no time to dial out to the bank. A contactless payment is authorised in under a second. It might be possible to connect via IP in this time, but not via PSTN.

davethorp

NFH wrote: »

There is no time to dial out to the bank. A contactless payment is authorised in under a second. It might be possible to connect via IP in this time, but not via PSTN.

A regular contactless payment authorises that quick and as a result doesn't check or deduct from the available balance. Apple Pay is slightly slower (about 2-3 seconds in my experience) because it does dial out to the bank to check and deduct from the available balance

NFH

davethorp wrote: »

A regular contactless payment authorises that quick and as a result doesn't check or deduct from the available balance. Apple Pay is slightly slower (about 2-3 seconds in my experience) because it does dial out to the bank to check and deduct from the available balance

It is physically impossible to dial out within 2 to 3 seconds. It could only do an IP connection, not dialling out via the PSTN.

davethorp

When people are saying dial out they mean contact the bank. They don't mean using dial up. This isn't 1998!

SeduLOUs

NFH wrote: »

That's implausible. Then they would have a minimum transaction for cash as well.

It would work on me because I never carry cash. A £5 minimum in a pub would mean I'd either have to buy no drinks, two drinks or leave. If I was out with friends, the two drinks option is the most likely.

Convincing people to buy more is the only plausible reason left for them implementing a minimum for contactless when it has already been demonstrated that there is no cost justification to do so.

NFH

SeduLOUs wrote: »

Convincing people to buy more is the only plausible reason left for them implementing a minimum for contactless when it have already been demonstrated that there is no cost justification to do so.

No, it's not. Minimum transaction amounts for card payments exist all over the world, and are nearly always because of per-transaction fees. The most plausible reason is that the £5 minimum transaction amount was implemented when most card payments were debit card via Chip & PIN, which incurs a fixed fee. The pub's management has not updated the policy to reflect the negligible costs of accepting contactless payments.

edinburghlad

ApplePay declined in B&M again today but for some reason I haven't received the decline message on my phone yet.

NFH

edinburghlad wrote: »

ApplePay declined in B&M again today but for some reason I haven't received the decline message on my phone yet.

When you say it was declined, did it just not work or did your card issuer refuse the transaction? Only in the latter case might you receive a message on your iPhone.

edinburghlad

The first time it happened the transaction was declined by my card issuer. On this occasion it appears that the transaction didn't reach the issuer, so sounds like there is an issue with the terminal or merchant.

john1002

Hi all

Just on the subject of authorisation I have noticed that with Apple pay using my watch every transaction shows up on my available balance but if I use my debit card they don't. As for speed of transaction have not noticed any difference if I use watch or card.

John