Apple Pay

NFH

fuzzgun19 wrote: »

I just turned the passcode thing on again but the finger thing you mention didn't work, it just asked for the passcode again. How do I stop having to type in the code every time I turn the screen on?

Have you scanned your fingerprint (ideally five of them)? Settings, Touch ID & Passcode, Add a Fingerprint. If you have done this, did you follow my instructions precisely, releasing the button but leaving your finger on the button?

fuzzgun19

NFH wrote: »

Have you scanned your fingerprint (ideally five of them)? Settings, Touch ID & Passcode, Add a Fingerprint. If you have done this, did you follow my instructions precisely, releasing the button but leaving your finger on the button?

I did upon setup with one finger but will have a look and try again.

Edit: It's working now, thanks for your help.

d123

fuzzgun19 wrote: »

Can anyone advise?

I've got Iphone 6, and trying to set up a card on Apple pay, but it keeps saying I have to have a passcode.

Now, I don't have a problem with having a passcode or fingerprint when I go on Apple pay, but I don't want to have to put in a passcode every time I activate the screen.
Is there a way around this?

ApplePay requires the security of the print reader, to enable the print reader you need a passcode.

Once you set it up you can enter the phone using the fingerprint reader. Using the passcode is only required after restarting or if you haven't unlocked the phone for 48 hours.

fuzzgun19

I've used this with a Nationwide card today for the first time in a store, very easy. Does anyone know how long it takes for the money to 'leave' your bank account?

I've got a contactless card with Natwest, but it seems to take at least a few days on this.

colsten

fuzzgun19 wrote: »

I've used this with a Nationwide card today for the first time in a store, very easy. Does anyone know how long it takes for the money to 'leave' your bank account?
.

It totally depends on when the retailer tells the bank about the purchase, and what type of card it is. My Apple Pay transactions on my Nationwide credit card appear any time between 1 and 3 days.

knack92

fuzzgun19 wrote: »

I've used this with a Nationwide card today for the first time in a store, very easy. Does anyone know how long it takes for the money to 'leave' your bank account?

I've got a contactless card with Natwest, but it seems to take at least a few days on this.

Apple say all transactions are authorised online. I've only used Apple Pay with RBS debit and the amount is immediately deducted from my available balance. I haven't noticed how long it takes to clear after this. My RBS card is the same as your NatWest one.

Archi_Bald

I have made 2 Apple Pay purchases, both below £30, at Waitrose yesterday with my 123 credit card. There is no sign of these transactions on my CC statement. My available balance does not reflect these two purchases either.

May be it's because today is Saturday, as similar small purchases at M&S and Waitrose earlier in the week did show on the statement on the day of purchase.

The Spendlytics app does show the two purchases but it doesn't show me my available balance.

Whilst Apple Pay makes it easier to keep track of your spending, you still have to do as before - i.e. you need to keep a record of your spend, and what you have available to spend, yourself.

d123

Archi_Bald wrote: »

I have made 2 Apple Pay purchases, both below £30, at Waitrose yesterday with my 123 credit card. There is no sign of these transactions on my CC statement. My available balance does not reflect these two purchases either.

May be it's because today is Saturday, as similar small purchases at M&S and Waitrose earlier in the week did show on the statement on the day of purchase.

The Spendlytics app does show the two purchases but it doesn't show me my available balance.

Whilst Apple Pay makes it easier to keep track of your spending, you still have to do as before - i.e. you need to keep a record of your spend, and what you have available to spend, yourself.

Ive found that contactless in general can take 2 or 3 days to show up with some retailers, I presume it depends on when the retailer semds the transactions to the bank concerned.

Ballard

colsten wrote: »

I am sure that in the not too distant future the majority of bank customers won't touch a bank that doesn't offer payment with mobiles. The growth of contactless payments in the UK is relentless - for example, £2.5 billion was spent on contactless cards and devices in just the first half of 2015, compared to £2.32 billion for the whole of 2014. There are more than 69 million contactless payment cards in circulation. More than 9.3 million contactless payment cards were issued to consumers between January and June 2015. Contactless payments were £287m in January this year, and £567m in June - literally doubled in a mere 6 months.

There is no reason to believe that this sort of growth will stop anytime soon.

In addition, fraud on contactless is 10 times less than it is on 'normal' cards. With Apple Pay (or similar), fraud will become even less of an issue. This isn't just excellent news for the consumer but also for banks. The only losers will be the fraudsters - hooray.

Apple Pay is accepted anywhere that accepts contactless, and there are now literally millions of contactless terminals installed in the UK. Those who want to pay contactless know how to spot a contactless pay point......

There will naturally always (or for a very long time from now) be people who won't touch a smartphone, let alone consider paying with it. But they will before long be in an ever decreasing minority, and they will certainly not stop the mobile payment juggernaut.

I don't agree at all that the majority of customers won't touch a bank which doesn't support mobile payments. They might move because of better interest rates or switching bonus but I doubt that that many will be overly concerned with mobile payments. Only time will tell, of course.

The statistics showing that contactless payments have rocketed don't show me anything that surprises. There are many more of these cards in circulation and much has been written about them so of course there will be more transactions. The fact that it's cheaper to use electronic payments on TfL than paper don't do it any harm.

My dalliance with Apple Pay lasted a couple of days on TfL. I went in with an open mind but wasn't won over and will stick to the physical card which I personally find easier than the phone. On one occasion my phone refused to accept my thumbprint twice so there was a delay. Only a second or two but a delay nonetheless. I didn't have any such delay with my card.

You did miss out one other beneficiary of Apple Pay. Apple Switzerland. I wonder what cut they get from each transaction.

It's probably worth me reminding that I know that I'm very much in the minority on this subject. I'm not as Ludditic (if that's not a word it should be!) as this post suggests, by the way.

colsten

Ballard wrote: »

I don't agree at all that the majority of customers won't touch a bank which doesn't support mobile payments.

It's best that you and I (and the 30 million+ UK people who can't exist without a smartphone) agree to disagree.