Paying with your Phone

Matt8888

Here are two more good reasons to use Apple Pay... if you lose a credit card, it can be used contactless by whoever finds/steals it. This is not the case with Apple Pay. Secondly, the merchant receives no data along with the payment. They do not get your card number, PIN, CRV code or anything else. So, IMO, it is both more convenient and more secure. In the winter with a thick coat on, my wallet (on the rare occasions I even carry it) could be buried deep in an inner pocket. However, all I need do is press a button and move my wrist towards the terminal. People can and will convince themselves this is all nonsense for tech nerds, but not only is it demonstrably better in ways such as those I outline above, it is clearly the future and will ultimately replaces cash and cards, so those resisting for whatever reason will soon be dragged kicking and screaming. I guess there are people who thought cards would not replace writing a cheque.

JustAnotherSaver

Not sure if it’s been said by others in 5 pages but anyway, I had the following situation...

I’ve used Apple Pay here and there but a few weeks ago I came to use it at the petrol station. The thing said I needed to use my card.

Luckily I had a different card actually with me. Without it I suppose i’d have had to have called someone to come through with payment.

Ballard

Matt8888 wrote: »

Here are two more good reasons to use Apple Pay... if you lose a credit card, it can be used contactless by whoever finds/steals it. This is not the case with Apple Pay. Secondly, the merchant receives no data along with the payment. They do not get your card number, PIN, CRV code or anything else. So, IMO, it is both more convenient and more secure. In the winter with a thick coat on, my wallet (on the rare occasions I even carry it) could be buried deep in an inner pocket. However, all I need do is press a button and move my wrist towards the terminal. People can and will convince themselves this is all nonsense for tech nerds, but not only is it demonstrably better in ways such as those I outline above, it is clearly the future and will ultimately replaces cash and cards, so those resisting for whatever reason will soon be dragged kicking and screaming. I guess there are people who thought cards would not replace writing a cheque.

I’m not anti tech in the slightest. I have an Apple Watch which I find useful for several reasons. I’ve simply yet to read anything that has convinced me that it’s such a big thing. It’s all very well not needing to take your wallet out (although I need to carry mine as it contains my Oyster card and work pass) but what would happen if your phone is stolen/lost/breaks/runs out of power?

I use credit cards for everything that I can so am not phobic about the cashless society that you find inevitable but it ain’t gonna happen worldwide so those travelling overseas will need cash and/or cards.

As I’ve already mentioned I’m also not comfortable with the idea of giving Apple even more money. I’m not sure whether the retailer pays or the financial organisation but you can put money on it being a massive amount annually that Apple reap.

For those who see this as a big thing then that’s your choice. It’s no skin off my nose how you pay but I will want actual benefits to the system before I start using it.

afis1904

I only know for Google pay but you wouldn't be able to make any payments if your phone is lost and at most times you will also carry your wallet anyway.

danm

Ballard wrote: »

I’m not anti tech in the slightest. I have an Apple Watch which I find useful for several reasons. I’ve simply yet to read anything that has convinced me that it’s such a big thing. It’s all very well not needing to take your wallet out (although I need to carry mine as it contains my Oyster card and work pass) but what would happen if your phone is stolen/lost/breaks/runs out of power?

I use credit cards for everything that I can so am not phobic about the cashless society that you find inevitable but it ain’t gonna happen worldwide so those travelling overseas will need cash and/or cards.

As I’ve already mentioned I’m also not comfortable with the idea of giving Apple even more money. I’m not sure whether the retailer pays or the financial organisation but you can put money on it being a massive amount annually that Apple reap.

For those who see this as a big thing then that’s your choice. It’s no skin off my nose how you pay but I will want actual benefits to the system before I start using it.

As you point out there is not a major benefit - it just replaces the technology in the card with that in the phone.
I have found a couple of minor benefits that when added up make it very worthwhile.


I actually don't remember the last time i carried a wallet around with me. Everyday in my pocket i have only my my workpass, a spare debit card and my coffee stamp card . Contactless fares are the same as using an Oyster now and i also found there was no saving for me in having a travelcard.


My wallet is safe at home with drivers license etc in it. Nothing can be lost etc.


With the watch especially, paying is seamless. Handy if carrying a few bags, lunch, coffees etc.


Once set up, you can then pay online retailers through the phone without having to enter card details etc. this is probably the biggest timesaving and convinience benefit - especially when using a merchant for the first time and can be handy if you don't have cards to hand.


like i say, there is no lifechanging breakthroughs here, but many minor benefits (if you see them as minor benefits) can add up...

Ballard

Off subject somewhat but an annual Oyster card does work out cheaper than pay as you go, even when taking into account annual leave.

danm

Ballard wrote: »

Off subject somewhat but an annual Oyster card does work out cheaper than pay as you go, even when taking into account annual leave.

I travel to the gym 2x per week in the morning and porbably leave work after 7pm 3 times per week at least - so much of my travel is off-peak.


Will be interesting to see if tfl actually have any plans to allow users to 'add' oyster cards to their e-Wallets in the future.

Ballard

danm wrote: »

I travel to the gym 2x per week in the morning and porbably leave work after 7pm 3 times per week at least - so much of my travel is off-peak.


Will be interesting to see if tfl actually have any plans to allow users to 'add' oyster cards to their e-Wallets in the future.

In that case it makes sense for you. My son gets to work on two buses and it doesn’t really make any sense to go the season ticket route for him either.

GibbsRule_No3

I use my iPhone for contact less because my Co-Op card is not contact less and due to the account, Co-Op tell me it won't be at any time, so I use the phone to get round it. (Just looked at a Halifax Basic Account and they don't let you use Apple Pay for their non contact less card, so lucky I had a Co-Op one) Also handy that it often does not have the £30.00 limit, certainly in M&S where it is mostly used by me, Tesco is annoying, having a limit the other week, I did have the physical card with me to use luckily, I just about remembered the PIN number.

Migster

xlnc99 wrote: »

what about apps you have on your phone - for example i have a subway app that lets me scan for points. Can i add that to my wallet? I no it sounds daft but there are many issues with using the subway app, keeps crashing all the time. IS there a way to load this to your wallet and apps like this?

Just to let you know, I was able to add my Subcard into G Pay this morning (I had to scan the original card - couldn't see a way to transfer the QR code from the app). I used it at lunchtime and it worked fine (there's a free 1000 points promo at the moment).