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  • FIRST POST
    • venomx
    • By venomx 2nd Jul 18, 1:32 PM
    • 173Posts
    • 22Thanks
    venomx
    Apple Pay in Asda/Lidl
    • #1
    • 2nd Jul 18, 1:32 PM
    Apple Pay in Asda/Lidl 2nd Jul 18 at 1:32 PM
    So Aldi accept payments larger than £30 with Apple Pay.

    Are Asda and Lidl the same, or is there a limit ?

    Thanks
Page 2
    • SeduLOUs
    • By SeduLOUs 3rd Jul 18, 3:49 PM
    • 2,097 Posts
    • 2,487 Thanks
    SeduLOUs
    I use my Apple Watch, so no digging for anything, phone, purse or otherwise. Quick button press, wave my hand near the device and all done. Really handy in the places that have lifted the limits, although people do look at you like you've performed black magic when you pay over £500 without doing much at all.

    I can also use it when I don't have my purse or phone with me at all.
    • eskbanker
    • By eskbanker 3rd Jul 18, 6:08 PM
    • 8,416 Posts
    • 9,525 Thanks
    eskbanker
    'may be inseparable form their phone' - Therein lies the social problem of society today.
    Originally posted by aj23
    Some would say that pompous generalisations from reactionary types who apparently believe that they speak for others are a bit of an issue too!
    • aj23
    • By aj23 3rd Jul 18, 7:36 PM
    • 852 Posts
    • 275 Thanks
    aj23
    Some would say that pompous generalisations from reactionary types who apparently believe that they speak for others are a bit of an issue too!
    Originally posted by eskbanker
    It's not though is it, with there being a crisis amongst children not developing social skills due to being plonked in front of iPads all the time.

    Perhaps your pompous generalisation that no one is allowed an opinion and yours is superior is a bit of an issue too! I'm never claimed to speak for others, unlike some.
    Last edited by aj23; 03-07-2018 at 7:44 PM.
    • Dandytf
    • By Dandytf 3rd Jul 18, 7:39 PM
    • 1,631 Posts
    • 447 Thanks
    Dandytf
    So Aldi accept payments larger than £30 with Apple Pay.

    Are Asda and Lidl the same, or is there a limit ?

    Thanks
    Originally posted by venomx
    Asda latest software updated tills clearly display contactless payments upto £30.
    sc dmp 2012 13k Jan 2018 8840 paid. 60% approx.
    Mid 2018 Help2save 50 uk pounds per month
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    • glider3560
    • By glider3560 3rd Jul 18, 8:31 PM
    • 3,690 Posts
    • 2,377 Thanks
    glider3560
    Asda latest software updated tills clearly display contactless payments upto £30.
    Originally posted by Dandytf
    The latest update introduced two payment options for card: "debit or credit card" and "contactless up to £30". You can press either and pay by chip+PIN or contactless, regardless of what you chose on-screen.



    The contactless option doesn't come up for spends of over £30, but the machine allows contactless anyway (via device verification).

    • eskbanker
    • By eskbanker 4th Jul 18, 12:06 AM
    • 8,416 Posts
    • 9,525 Thanks
    eskbanker
    It's not though is it, with there being a crisis amongst children not developing social skills due to being plonked in front of iPads all the time.

    Perhaps your pompous generalisation that no one is allowed an opinion and yours is superior is a bit of an issue too! I'm never claimed to speak for others, unlike some.
    Originally posted by aj23
    On the contrary, everyone is of course entitled to their opinion and it would be pretty dull if we all shared the same ones, but it's always best to recognise the distinction between inherently debatable opinions (such as, say, "I feel/think that phones are 'the social problem of society today'") and projecting these as if they were indisputable facts....
    • Dandytf
    • By Dandytf 4th Jul 18, 6:47 PM
    • 1,631 Posts
    • 447 Thanks
    Dandytf
    I enjoy technology as per my multiple devices answer.
    Though I'm at a point where I'm considering avoiding any new contracts which does have the potential to save a considerable amount every few weeks.
    Let's see how interest rates climb -then I'll decide what is more important.
    sc dmp 2012 13k Jan 2018 8840 paid. 60% approx.
    Mid 2018 Help2save 50 uk pounds per month
    Mid 2018-Virgin Money E-saver V11 -250+50 uk pounds per month
    • Anthorn
    • By Anthorn 4th Jul 18, 6:57 PM
    • 4,000 Posts
    • 1,069 Thanks
    Anthorn
    So Aldi accept payments larger than £30 with Apple Pay.

    Are Asda and Lidl the same, or is there a limit ?

    Thanks
    Originally posted by venomx
    In my case at least not true: I use Apple Pay in all three of those stores for anything even for amounts of no more than a fiver. On the rare occasions I shop in Tesco I always use PayQwik.

    In fact I could go further and recognise that the £30 lower limit stated in the quoted post should actually be the upper limit allowed for contactless payments. I do know that some retailers allow mobile contactless payments beyond the contactless upper limit but that circumvents the security of contactless.

    Probably the only problem I've found is when my Amex card is linked to Apple Pay and the store doesn't accept Amex contactless, i.e. Wilko.
    • knack92
    • By knack92 4th Jul 18, 7:14 PM
    • 451 Posts
    • 210 Thanks
    knack92
    In my case at least not true: I use Apple Pay in all three of those stores for anything even for amounts of no more than a fiver. On the rare occasions I shop in Tesco I always use PayQwik.

    In fact I could go further and recognise that the £30 lower limit stated in the quoted post should actually be the upper limit allowed for contactless payments. I do know that some retailers allow mobile contactless payments beyond the contactless upper limit but that circumvents the security of contactless.

    Probably the only problem I've found is when my Amex card is linked to Apple Pay and the store doesn't accept Amex contactless, i.e. Wilko.
    Originally posted by Anthorn
    What security is circumvented? As Apple Pay requires verification by passcode/biometrics it adds security that doesnít exist with non device contactless payments. An Apple Pay payment is much more secure than a contactless card payment and Iíd argue more secure than a chip and pin payment too.
    • SuperHan
    • By SuperHan 4th Jul 18, 7:15 PM
    • 2,119 Posts
    • 1,273 Thanks
    SuperHan
    I do know that some retailers allow mobile contactless payments beyond the contactless upper limit but that circumvents the security of contactless.
    It doesnít circumvent anything - ApplePay requires two step authorisation (unlike contactless which is just one step), so ApplePay is at least as secure as chip and pin (or in some cases significantly more secure, I have an 8 digit password with letters numbers and punctuation to use ApplePay, much more secure than a 4 digit PIN). Itís this additional security that means some retailers have lifted the £30 contactless limit for mobile payments. Hopefully more will follow suit!
    • Dandytf
    • By Dandytf 4th Jul 18, 7:17 PM
    • 1,631 Posts
    • 447 Thanks
    Dandytf
    The latest update introduced two payment options for card: "debit or credit card" and "contactless up to £30". You can press either and pay by chip+PIN or contactless, regardless of what you chose on-screen.



    The contactless option doesn't come up for spends of over £30, but the machine allows contactless anyway (via device verification).
    Originally posted by glider3560
    Thanks I'm a consumer, appreciate your retail knowledge
    sc dmp 2012 13k Jan 2018 8840 paid. 60% approx.
    Mid 2018 Help2save 50 uk pounds per month
    Mid 2018-Virgin Money E-saver V11 -250+50 uk pounds per month
    • Anthorn
    • By Anthorn 4th Jul 18, 10:19 PM
    • 4,000 Posts
    • 1,069 Thanks
    Anthorn
    It doesn!!!8217;t circumvent anything - ApplePay requires two step authorisation (unlike contactless which is just one step), so ApplePay is at least as secure as chip and pin (or in some cases significantly more secure, I have an 8 digit password with letters numbers and punctuation to use ApplePay, much more secure than a 4 digit PIN). It!!!8217;s this additional security that means some retailers have lifted the £30 contactless limit for mobile payments. Hopefully more will follow suit!
    Originally posted by SuperHan
    Not true: Apple Pay is a contactless payment. To verify that try using Apple Pay on a terminal which is not contactless. The major security feature of contactless is that there is a maximum spend beyond which a PIN has to be entered. What Apple Pay does is make every transaction a PIN transaction but that doesn't alter the FACT that Apple Pay is contactless and should therefore be subject to the contactless security features. Take a look at the till receipt when you've used Apple Pay: I'd guess probably quite rightly that it says the payment is Contactless and no PIN has been used and that serves to underline what I just said. If it dispenses with the security feature then the security feature is circumvented. Simple.

    Unlike you I don't use a PIN, I use my fingerprint.

    Anyway back to the topic, personally I have never experienced a minimum spend when using Apple Pay at any retailer at all, not even my local Premier shop!
    Last edited by Anthorn; 04-07-2018 at 10:24 PM.
    • knack92
    • By knack92 4th Jul 18, 11:01 PM
    • 451 Posts
    • 210 Thanks
    knack92
    Not true: Apple Pay is a contactless payment. To verify that try using Apple Pay on a terminal which is not contactless. The major security feature of contactless is that there is a maximum spend beyond which a PIN has to be entered. What Apple Pay does is make every transaction a PIN transaction but that doesn't alter the FACT that Apple Pay is contactless and should therefore be subject to the contactless security features. Take a look at the till receipt when you've used Apple Pay: I'd guess probably quite rightly that it says the payment is Contactless and no PIN has been used and that serves to underline what I just said. If it dispenses with the security feature then the security feature is circumvented. Simple.

    Unlike you I don't use a PIN, I use my fingerprint.

    Anyway back to the topic, personally I have never experienced a minimum spend when using Apple Pay at any retailer at all, not even my local Premier shop!
    Originally posted by Anthorn
    The £30 limit on contactless is in place because there is no security features. Apple Pay has a security feature in the form of passcode/biometrics so the £30 limit is not required.

    I was in France recently and using contactless over a certain amount prompted for the pin, but you didnít have to insert the card like you have to here. What do you think of this?
    • 20aday
    • By 20aday 5th Jul 18, 10:00 AM
    • 2,314 Posts
    • 964 Thanks
    20aday
    The £30 limit on contactless is in place because there is no security features. Apple Pay has a security feature in the form of passcode/biometrics so the £30 limit is not required.

    I was in France recently and using contactless over a certain amount prompted for the pin, but you didnít have to insert the card like you have to here. What do you think of this?
    Originally posted by knack92
    Looking at Appleís website here: https://support.apple.com/en-us/ht207435 in some countries you have to enter a PIN or sign a receipt over certain amounts.

    I donít know how it would be set up technically but seeing as you have to enter a PIN every X amount of contactless transactions within the UK if the system was able to distinguish between a physical card and a digitised wallet (I assume itís possible) then itíd save time having to dig your bit of plastic out when using Apple Pay & it prompts for a random security check?
    It's not your credit score that counts, it's your credit history. Any replies are my own personal opinion and not a representation of my employer.
    • AndyPix
    • By AndyPix 5th Jul 18, 10:16 AM
    • 3,956 Posts
    • 3,337 Thanks
    AndyPix
    In my case at least not true: I use Apple Pay in all three of those stores for anything even for amounts of no more than a fiver. On the rare occasions I shop in Tesco I always use PayQwik.

    In fact I could go further and recognise that the £30 lower limit stated in the quoted post should actually be the upper limit allowed for contactless payments. I do know that some retailers allow mobile contactless payments beyond the contactless upper limit but that circumvents the security of contactless.

    Probably the only problem I've found is when my Amex card is linked to Apple Pay and the store doesn't accept Amex contactless, i.e. Wilko.
    Originally posted by Anthorn

    You woefully missed the point here ..


    There is no LOWER limit - with either apple pay or traditional contactless.


    There is an UPPER limit of £30 for traditional contactless, that has been set aside by many retailers due to the added security of biometrics or passcode on the Apple device.


    I personally think Apple pay is awesome, to the tune that i dont even carry my wallet much anymore.
    Just whip out my phone and wave it at the till (with my thumb on the thumbprint reader) - even for the Saturday big shop
    Running with scissors since 1978
    • Anthorn
    • By Anthorn 5th Jul 18, 12:26 PM
    • 4,000 Posts
    • 1,069 Thanks
    Anthorn
    You woefully missed the point here ..


    There is no LOWER limit - with either apple pay or traditional contactless.


    There is an UPPER limit of £30 for traditional contactless, that has been set aside by many retailers due to the added security of biometrics or passcode on the Apple device.


    I personally think Apple pay is awesome, to the tune that i dont even carry my wallet much anymore.
    Just whip out my phone and wave it at the till (with my thumb on the thumbprint reader) - even for the Saturday big shop
    Originally posted by AndyPix
    You posted almost exactly what I posted which means that you agree with me. It's not me who is saying there is a lower limit, it's the OP. Perhaps if you read through this thread it might be constructive.

    My other main point is that Apple Pay circumvents the contactless upper limit which is £30 when I last looked. That upper contactless limit is there for a purpose and that purpose is to limit loss. Those who agree with that upper limit being circumvented probably deserve to be defrauded.

    Oh yes I use Apple Pay too. But I don't leave my wallet at home because there are those times when Apple Pay doesn't work and that as far as I can see is due to retailer error. In short, always have a back-up.
    • knack92
    • By knack92 5th Jul 18, 12:47 PM
    • 451 Posts
    • 210 Thanks
    knack92
    Looking at Appleís website here: https://support.apple.com/en-us/ht207435 in some countries you have to enter a PIN or sign a receipt over certain amounts.

    I donít know how it would be set up technically but seeing as you have to enter a PIN every X amount of contactless transactions within the UK if the system was able to distinguish between a physical card and a digitised wallet (I assume itís possible) then itíd save time having to dig your bit of plastic out when using Apple Pay & it prompts for a random security check?
    Originally posted by 20aday
    Sorry I could have been more clear. I was taking about using a contactless card, allowing you to make a payment over the limit by contactless and then authorising by card pin.

    I was interested to know what Anthorn thought of this because if they think itís secure then thereís no reason why they shouldnít think Apple Pay is secure. If Anthorn doesnít think itís secure then why? Itís contactless+pin instead of chip+pin.
    • takman
    • By takman 5th Jul 18, 12:50 PM
    • 3,775 Posts
    • 3,436 Thanks
    takman
    My other main point is that Apple Pay circumvents the contactless upper limit which is £30 when I last looked. That upper contactless limit is there for a purpose and that purpose is to limit loss. Those who agree with that upper limit being circumvented probably deserve to be defrauded.
    Originally posted by Anthorn
    The £30 for contactless on cards is to prevent the bank having to pay out for fraud; it isn't for the consumers benefit because banks will refund any contactless payments reported as fraudulent without question.

    Apple Pay (and similar) doesn't "circumvent" the limit it simply has a different limit because it operates in a different way (security wise).
    On my phone i have to unlock it (with my fingerprint) to make a contactless payment of ANY amount. This means it is more secure than even chip and pin because no matter what methods they use they can not make a record of my fingerprint (while making a payment) to fraudulently make payments using my phone.
    Compared to chip and pin where it's possible to see someones pin, steal their card and use it.
    • venomx
    • By venomx 5th Jul 18, 3:54 PM
    • 173 Posts
    • 22 Thanks
    venomx
    The following are a list of UK retailers that will accept Apple Pay transactions over £30.

    Clothes and fashion :
    Burberry
    Dune
    New Look
    Uniqlo

    Fuel :
    BP
    Shell

    Grocery :
    Aldi
    Co-op
    Home Bargains
    Lidl
    Marks & Spencer
    Morrisons
    Sainsbury!!!8217;s
    Waitrose

    Restaurants :
    Bill!!!8217;s
    Burger & Lobster
    Caf! Rouge
    Costa
    McDonald!!!8217;s
    Nando!!!8217;s
    Pizza Express
    Pizza Hut
    Pret a Manger
    Starbucks
    TGI Fridays
    Wagamamas
    Wetherspoons

    Other Retailers :
    Apple Stores
    Argos
    Boots
    Cabs
    Halfords
    Harvey Nichols
    Hotel Chocolat
    Ikea
    Liberty
    Moto Services
    Nike
    Specsavers
    Superdrug
    Transport for London
    • Dandytf
    • By Dandytf 5th Jul 18, 6:07 PM
    • 1,631 Posts
    • 447 Thanks
    Dandytf
    @venom.x

    Excellent list, I need to make a +30 purchase soon.
    sc dmp 2012 13k Jan 2018 8840 paid. 60% approx.
    Mid 2018 Help2save 50 uk pounds per month
    Mid 2018-Virgin Money E-saver V11 -250+50 uk pounds per month
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