Barclaycard on Google Pay

mrochester

Deleted_User said:

dr_adidas01 said:

mrochester said:

milleniumaire said:

It's been 3 3/4 years since I started this thread and having just purchased some goods at lunch time using Google Pay it reminded me again about the Barclaycard restrictions and how they are loosing out (from me) as a result.

As a result of Covid, it is rare that I pay for anything with cash these days and my Google Pay app is configured to debit from my NatWest bank account by default.  Sometimes however, I want to purchase something a little more expensive than a few pounds and this is when I prefer to use my credit card. 

As a result of Barclays not being available on Google Pay I signed up for a Santander Credit Card and use this, along with my Amex card, both of which Google Pay happily plays with.

So, as a result, although I still have a Barclaycard, it is rarely used as I use Credit Cards registered with Google Pay because it is much more convenient for me.

If everyone did this, Barclaycard might sit up and listen to its customers, but I suspect not.

It’s a shame Google can’t force Barclaycard to be available on Google Pay  

Google can’t force any organisation to be available on Google Pay so that’s not going to happen. 

Organisations can choose which digital wallet they want to support. 

Barclaycard have decided that as the NFC chip on Android phones can be accessed by any app it isn’t secure enough for them. 

Where as on Apple devices only Apple Pay is allowed to use the NFC chip which makes it more secure, hence why Barclaycard allow it to be added to Apple Pay. 

It’s all about the risk and Barclaycard have decided Google Pay is a risk they don’t want to take. 

It's dressed up as "security" but in reality, it's just about money. Apple get up to 30% of digital transactions in fees so they simply don't want other payment processors available to challenge that e.g. by allowing say PayPal or Square to do it. Many apps can use the NFC chip on apple products e.g. the WTC uses NFC on iphones for customers to access things like the gym or their offices, it's just payments they restrict to apple pay hence why the EU has issued a preliminary ruling against apple for their anti-trust restrictive practice.

Yep, agreed, but having all your cards in Apple Pay (because there is no other option) is better for consumers and a detriment to the card issuers. Any legislation will take power away from the consumer and hand it to the card issuer. 

Shakin_Steve

The way I see it is...we all have a choice. I'm quite happy, and have never had a problem, using Barclaycard on my iPhone. If I decided to buy an android phone instead, then I would know my Barclaycard wouldn't work, so would use another card and cancel my Barclaycard. 

No biggie.

[Deleted User]

mrochester said:

Deleted_User said:

dr_adidas01 said:

mrochester said:

milleniumaire said:

It's been 3 3/4 years since I started this thread and having just purchased some goods at lunch time using Google Pay it reminded me again about the Barclaycard restrictions and how they are loosing out (from me) as a result.

As a result of Covid, it is rare that I pay for anything with cash these days and my Google Pay app is configured to debit from my NatWest bank account by default.  Sometimes however, I want to purchase something a little more expensive than a few pounds and this is when I prefer to use my credit card. 

As a result of Barclays not being available on Google Pay I signed up for a Santander Credit Card and use this, along with my Amex card, both of which Google Pay happily plays with.

So, as a result, although I still have a Barclaycard, it is rarely used as I use Credit Cards registered with Google Pay because it is much more convenient for me.

If everyone did this, Barclaycard might sit up and listen to its customers, but I suspect not.

It’s a shame Google can’t force Barclaycard to be available on Google Pay  

Google can’t force any organisation to be available on Google Pay so that’s not going to happen. 

Organisations can choose which digital wallet they want to support. 

Barclaycard have decided that as the NFC chip on Android phones can be accessed by any app it isn’t secure enough for them. 

Where as on Apple devices only Apple Pay is allowed to use the NFC chip which makes it more secure, hence why Barclaycard allow it to be added to Apple Pay. 

It’s all about the risk and Barclaycard have decided Google Pay is a risk they don’t want to take. 

It's dressed up as "security" but in reality, it's just about money. Apple get up to 30% of digital transactions in fees so they simply don't want other payment processors available to challenge that e.g. by allowing say PayPal or Square to do it. Many apps can use the NFC chip on apple products e.g. the WTC uses NFC on iphones for customers to access things like the gym or their offices, it's just payments they restrict to apple pay hence why the EU has issued a preliminary ruling against apple for their anti-trust restrictive practice.

Yep, agreed, but having all your cards in Apple Pay (because there is no other option) is better for consumers and a detriment to the card issuers. Any legislation will take power away from the consumer and hand it to the card issuer. 

Legislation that stops Apple being the only one who can control payments and gives you cheaper options gives more power to the consumers 

mrochester

Deleted_User said:

mrochester said:

Deleted_User said:

dr_adidas01 said:

mrochester said:

milleniumaire said:

It's been 3 3/4 years since I started this thread and having just purchased some goods at lunch time using Google Pay it reminded me again about the Barclaycard restrictions and how they are loosing out (from me) as a result.

As a result of Covid, it is rare that I pay for anything with cash these days and my Google Pay app is configured to debit from my NatWest bank account by default.  Sometimes however, I want to purchase something a little more expensive than a few pounds and this is when I prefer to use my credit card. 

As a result of Barclays not being available on Google Pay I signed up for a Santander Credit Card and use this, along with my Amex card, both of which Google Pay happily plays with.

So, as a result, although I still have a Barclaycard, it is rarely used as I use Credit Cards registered with Google Pay because it is much more convenient for me.

If everyone did this, Barclaycard might sit up and listen to its customers, but I suspect not.

It’s a shame Google can’t force Barclaycard to be available on Google Pay  

Google can’t force any organisation to be available on Google Pay so that’s not going to happen. 

Organisations can choose which digital wallet they want to support. 

Barclaycard have decided that as the NFC chip on Android phones can be accessed by any app it isn’t secure enough for them. 

Where as on Apple devices only Apple Pay is allowed to use the NFC chip which makes it more secure, hence why Barclaycard allow it to be added to Apple Pay. 

It’s all about the risk and Barclaycard have decided Google Pay is a risk they don’t want to take. 

It's dressed up as "security" but in reality, it's just about money. Apple get up to 30% of digital transactions in fees so they simply don't want other payment processors available to challenge that e.g. by allowing say PayPal or Square to do it. Many apps can use the NFC chip on apple products e.g. the WTC uses NFC on iphones for customers to access things like the gym or their offices, it's just payments they restrict to apple pay hence why the EU has issued a preliminary ruling against apple for their anti-trust restrictive practice.

Yep, agreed, but having all your cards in Apple Pay (because there is no other option) is better for consumers and a detriment to the card issuers. Any legislation will take power away from the consumer and hand it to the card issuer. 

Legislation that stops Apple being the only one who can control payments and gives you cheaper options gives more power to the consumers 

It only gives users power to potentially have cheaper options. It also potentially takes away the users choice of having all their cards in apply pay. 

[Deleted User]

Shakin_Steve said:

The way I see it is...we all have a choice. I'm quite happy, and have never had a problem, using Barclaycard on my iPhone. If I decided to buy an android phone instead, then I would know my Barclaycard wouldn't work, so would use another card and cancel my Barclaycard. 

No biggie.

Suppose it's that old fashioned British thing of accepting poor service. 

To me, it's a slightly odd way of looking at things - why is it acceptable that Barclays provide an inferior service to Android based customers versus iPhone based customers?! For example, Amex also provides contactless via it's own app but enables Google Pay too. This is choice. 

[Deleted User]

mrochester said:

Deleted_User said:

mrochester said:

Deleted_User said:

dr_adidas01 said:

mrochester said:

milleniumaire said:

It's been 3 3/4 years since I started this thread and having just purchased some goods at lunch time using Google Pay it reminded me again about the Barclaycard restrictions and how they are loosing out (from me) as a result.

As a result of Covid, it is rare that I pay for anything with cash these days and my Google Pay app is configured to debit from my NatWest bank account by default.  Sometimes however, I want to purchase something a little more expensive than a few pounds and this is when I prefer to use my credit card. 

As a result of Barclays not being available on Google Pay I signed up for a Santander Credit Card and use this, along with my Amex card, both of which Google Pay happily plays with.

So, as a result, although I still have a Barclaycard, it is rarely used as I use Credit Cards registered with Google Pay because it is much more convenient for me.

If everyone did this, Barclaycard might sit up and listen to its customers, but I suspect not.

It’s a shame Google can’t force Barclaycard to be available on Google Pay  

Google can’t force any organisation to be available on Google Pay so that’s not going to happen. 

Organisations can choose which digital wallet they want to support. 

Barclaycard have decided that as the NFC chip on Android phones can be accessed by any app it isn’t secure enough for them. 

Where as on Apple devices only Apple Pay is allowed to use the NFC chip which makes it more secure, hence why Barclaycard allow it to be added to Apple Pay. 

It’s all about the risk and Barclaycard have decided Google Pay is a risk they don’t want to take. 

It's dressed up as "security" but in reality, it's just about money. Apple get up to 30% of digital transactions in fees so they simply don't want other payment processors available to challenge that e.g. by allowing say PayPal or Square to do it. Many apps can use the NFC chip on apple products e.g. the WTC uses NFC on iphones for customers to access things like the gym or their offices, it's just payments they restrict to apple pay hence why the EU has issued a preliminary ruling against apple for their anti-trust restrictive practice.

Yep, agreed, but having all your cards in Apple Pay (because there is no other option) is better for consumers and a detriment to the card issuers. Any legislation will take power away from the consumer and hand it to the card issuer. 

Legislation that stops Apple being the only one who can control payments and gives you cheaper options gives more power to the consumers 

It only gives users power to potentially have cheaper options. It also potentially takes away the users choice of having all their cards in apply pay. 

Users don't pay anything. The Apple / Google Pay 'cut' of fees are paid by the card issuers.
However, there are likely savings for card issuers such as less physical cards issued and less fraud etc