Physical Credit/Debit Cards vs Apple Pay

Tony5896

have been very anti Apple Pay, not 95% of uk transactions and 80% of international transactions.
Still need a card for Costco fuel.

sausage_time

https://forums.moneysavingexpert.com/discussion/comment/82048948#Comment_82048948

Costco pumps can't read the virtual Costco card in their app - so you need that physical card anyway. I take my wallet when I go to Costco.

claretgirl

I tend to use Apple Pay for convenience but carry a physical card in case of any technical issues, I.e phone juice or signal.

Maegi

https://forums.moneysavingexpert.com/discussion/comment/82048290#Comment_82048290

The newer fuel dispensers let you pick a fixed litre or Pound value so you're not left with unwanted coins even with cash.

Maegi

https://forums.moneysavingexpert.com/discussion/comment/82047954#Comment_82047954

My parents are both boomers and use Google wallet almost exclusively - they prefer biometrics over pin based transactions plus they can alternate the underlying card used with ease.

Desmond_Hume

https://forums.moneysavingexpert.com/discussion/comment/82053285#Comment_82053285

Apple Pay doesn’t need a mobile signal. But the “technical issues” is a good, overall reason to carry at least one physical card.

MyRealNameToo

https://forums.moneysavingexpert.com/discussion/comment/82053957#Comment_82053957

Though "technical issues" if its at the merchants end could also take down physical cards.

In fact on one occasion I found it was down for contactless cards but working fine for ApplePay despite it also being contactless… Shop said inserting cards were working at the time but didnt have the card with me.

Maegi

https://forums.moneysavingexpert.com/discussion/comment/82054596#Comment_82054596

It will also depend on the underlying card as some may still require to go online all the time.

MyRealNameToo

https://forums.moneysavingexpert.com/discussion/comment/82055051#Comment_82055051

It appeared to be a problem with the unauthenticated payment pathway in this case, ApplePay is authenticated so hence it went through (and hence why it doesnt have the normal limits etc)

Maegi

https://forums.moneysavingexpert.com/discussion/comment/82055500#Comment_82055500

It's nothing to do with authentication.

Some cards simply can't be used offline due to the underlying card restrictions. The Apple/Google version will mirror that restriction even if authenticated.