Apple Pay

Ballard

Sorry. We may have misunderstood each other. By 'journey history statement from my credit card'. I meant through TfL rather than my credit card provider. If I can register my credit card through that link and get a journey statement then I may well do that.

Thanks.

fussy123

B&M declined for me too, fortunately I work for a bank so put a trace on this back into the mainframe. B&M are sending the Apple Auth with the verification method as 'Signature' which doesn't make sense so it it rejecting. Their terminal config is wrong, I've reported it to card scheme so it can be changed.

fussy123

TFL - When you use your Apple Pay card on Transport for London it transmits the device number through the gate to their back office. That device number is static but not the same as your card number. When TFL send an authorisation to the card scheme (e.g. Visa) they return the real card number from the token system so TFL can connect it to your existing Travel done on your real card. I tested this yesterday and I can see the Apple Pay journeys on my plastic card record on the TFL account. So no need to register your device number!

NFH

fussy123 wrote: »

TFL - When you use your Apple Pay card on Transport for London it transmits the device number through the gate to their back office. That device number is static but not the same as your card number. When TFL send an authorisation to the card scheme (e.g. Visa) they return the real card number from the token system so TFL can connect it to your existing Travel done on your real card. I tested this yesterday and I can see the Apple Pay journeys on my plastic card record on the TFL account. So no need to register your device number!

Thanks for explaining this. It explains what is lacking between TfL and American Express. Clearly Amex is not sending back the real card number to TfL, which is why Apple Pay Amex customers can't see their journey history on the TfL web site. Given that there's no way for the customer to look up more than the last 5 digits of their Device Account Number, they can't register this in lieu of the real card number. TfL tell me that this will be resolved soon (September) - https://tfl.gov.uk/applepay (last section)

NFH

I'm experiencing a frequent problem using Apple Pay in pubs and bars. The contactless terminal flashes a message saying that my card was read, but then immediately prompts to insert the card. Obviously I can't insert my iPhone into the terminal. I've experienced this problem with multiple cards. If I then ask to start the transaction again, I can pay contactlessly using a physical card without any problem. There seems to be a bug somewhere, because no contactless terminal should ever ask for an Apple Pay virtual contactless card to be inserted.

Ballard

My Oyster season ticket expired a couple of days ago so I've had a chance to use Apple Pay. I'm not using it elsewhere because the only credit card that I can use with Apple pay (Santander 1-2-3) is very close to the limit (23 months 0% on purchases) so I'm restricting myself to travel (3% cashback).

From my point of view I don't see that there's any real advantage over simply using the contactless card. It has been mentioned that there's a weekly cap on TfL but I'd get nowhere near that.

To use my phone I have to open the app and get it ready for the barrier (perhaps it's not necessary but I'm going on what it says on the TfL website). With a card I just have to take it from my wallet and touch the pad with it.

With the phone I do get a notification that it's been used but it doesn't give any details beyond where (London, England).

After today I think that I'll just use my card.

NFH

Ballard wrote: »

From my point of view I don't see that there's any real advantage over simply using the contactless card. It has been mentioned that there's a weekly cap on TfL but I'd get nowhere near that.

Removing one's wallet from one's pocket or one's purse from one's handbag, then removing a card from one's wallet or purse, touching it on a card reader and putting it back into one's wallet or purse and then back into one's pocket or handbag is a relatively clumsy procedure that requires two hands. On the other hand, Apple Pay can be used with only one hand. In the common scenario where one hand is already carrying something, then getting out one's contactless card can be very awkward and can hold up other passengers behind. Many Tube passengers are already holding their iPhones as they go up escalators to exit stations, not least because of the Tube's free wifi. Therefore touching one's iPhone on a yellow card reader at the ticket barriers is an effortless process compared to a physical contactless card.

20aday

NFH wrote: »

Removing one's wallet from one's pocket or one's purse from one's handbag, then removing a card from one's wallet or purse, touching it on a card reader and putting it back into one's wallet or purse and then back into one's pocket or handbag is a relatively clumsy procedure that requires two hands. On the other hand, Apple Pay can be used with only one hand. In the common scenario where one hand is already carrying something, then getting out one's contactless card can be very awkward and can hold up other passengers behind. Many Tube passengers are already holding their iPhones as they go up escalators to exit stations, not least because of the Tube's free wifi. Therefore touching one's iPhone on a yellow card reader at the ticket barriers is an effortless process compared to a physical contactless card.

I was in London earlier this week and used Apple Pay on the Tube for the first time. So long as you don't get a Notification/Phone Call you can authorise your registered fingerprint for up to 60 seconds.

Did this before approaching the gates and it was as fast as an Oyster card/contactless card (process wise).

Ballard

NFH wrote: »

Removing one's wallet from one's pocket or one's purse from one's handbag, then removing a card from one's wallet or purse, touching it on a card reader and putting it back into one's wallet or purse and then back into one's pocket or handbag is a relatively clumsy procedure that requires two hands. On the other hand, Apple Pay can be used with only one hand. In the common scenario where one hand is already carrying something, then getting out one's contactless card can be very awkward and can hold up other passengers behind. Many Tube passengers are already holding their iPhones as they go up escalators to exit stations, not least because of the Tube's free wifi. Therefore touching one's iPhone on a yellow card reader at the ticket barriers is an effortless process compared to a physical contactless card.

I don't think that I'll find it a struggle to use a physical card but the whole point is that people view things differently. That doesn't mean that either of us are wrong, merely that we are both right for what we want out of a payment option.

I have yet to notice a single other person use a phone to pay anywhere but then again I haven't been looking. On the other hand when I was in South Korea last year most people seemed to use their phones to pay on buses. Perhaps once people get used to it and other phone makes have the option it'll get huge.

d123

Lloyds, Halifax and Bank of Scotland went live with ApplePay this morning.