Apple Pay and Section 75

noalibi

I'm a great believer in paying for things using a credit card (and paying it off in full) due - among other things - to the added protection provided under section 75.

I'm also like tech and have switch completely to using my credit card via Apple Pay due to the convenience of paying with phone/watch and no transaction limits (that I've encountered).

My question is around the section 75 protection, given that Apple appear to be an intermediary.

If I do have a problem with goods/services do I have ...

1. Exactly the same protection as before, i.e. credit card provide must take the same responsibility as the retailer if things go wrong with a purchase
2. More protection, because Apple are (indirectly) providing a credit service as are my credit card provider, i.e. Apple AND the credit card provider must take the same responsibility as the retailer (and if so, who is liable first?)
3. Less protection, because my purchase is made with Apple and therefore the credit card provider is off the hook?

My credit card statement has details of the retailer, so it appears Apple Pay is nothing more than the mechanism for the payment, not part of the payment, i.e. option 1 above.

Thanks

Sandtree

You do not have a credit agreement with Apple and so there is no Consumer Credit Act protection there.

A quick google shows that this site, Which? etc all state that the supply chain isnt broken by the use of apple pay or google's equivalent and therefore S75 against the card issuer is still  intact so answer 1

noalibi

Many thanks.

born_again

Apple pay is not a credit facility. It is just the same as using a debit card.

Google gives this.

>>> Regulator the Financial Conduct Authority has also confirmed that both Section 75 and chargeback protection will apply to purchases made in store using Apple Pay, and via in-app purchases using Apple Pay.14 Jul 2015<<<

As Chargebacks are card regulations then. The issue I can see is as Apple are moving the funds, they can reject a chargeback on that basis (did what they were asked) same with S75 if Apple are taking the funds, then there is no breach of contract.

Must admit I have never had a customer query on Apple pay.

I would have a word with your card provider. 

Chino

and here's the missing link:
https://www.moneysavingexpert.com/news/2015/07/apple-pay-launches-in-uk-today-heres-how-it-works/

phillw

When you use your phone with Apple pay it works like using a physical card. The funds don't get transferred through Apple, banks implement Apple pay because if they didn't then Apple customers will not bank with them.
https://support.apple.com/en-gb/HT206637
https://codeburst.io/how-does-apple-pay-actually-work-f52f7d9348b7

If anything goes wrong then you have no claim against Apple, in the same way you don't have any claim against the company that your Bank outsourced the manufacture of their cards to.